Ready to sell your house? 

I have investors ready to buy your home quickly and hassle-free if necessary. Or, depending on the time frame and circumstances with your lender(s), it may make the best sense to list your home to get top price. From listing to closing, I will be committed to navigating the entire sales process for you, using my expertise to sell your home smoothly, working closely with your homes' lender(s) and buyers to ensure a smooth transaction. I will also help you with your move, whether you want to move locally or another state or even another country! I will also get you the maximum moving expenses, if you are eligible, from your lender, to help with your move. 

Click here to set up a free, no-obligation, consultation or call 480.529.0938 to discuss. 

PS-professional services are usually paid by your lender - this can include attorney fees as well as real estate fees. 

NOT Ready to sell your house?

The stress of dealing with a default mortgage can be overwhelming. The complicated and confusing process of how to avoid foreclosure has gotten a lot easier. The federal government and lenders developed more efficient systems to assist struggling homeowners. With these systems, homeowners will be able to move forward with their lives, avoiding the emotional and financial toll of foreclosure in the process. Take advantage of the options and programs available to you to move on to a more stable future. The sooner you get started, the more time you have to improve the situation. Call today 480.529.0938, or Click here to get started.

First, we will discuss your home market value; then your equity and financial situation. Next, we will discuss what it is you want to do - even if that means keeping your home! At times, an attorney may be needed and we are a great referral source to bring your team together to get you a successful outcome. Who pays for this? your lender most times will be paying for this and only after a successful outcome - no out of pocket for our services. 

*other options may exist for your situation 

What is a Short Sale?

Click here to review the Sellers Advisory document which explains it. 

Why Neither Bankruptcy nor Foreclosure Will Work For You

Most homeowners are concerned about how their legal action pertaining to their finances will affect their credit score. Both bankruptcy and foreclosure will but there are a few differences. If you allow your property to become foreclosed, you will have to face a 7-year statute of limitations but your credit score will have to suffer doubly, which means you will have negative figures on your legal entry and your trade line. This will make it very difficult for you to take out a mortgage loan down the line, even after your credit has improved. A foreclosure, quite simply, is a red flag to the creditor, who will be very wary about granting you a home loan.

If you file for bankruptcy, the entry will stay in your report for 10 years. Your credit score will take a hit but once that’s done and you are able to rebuild your credit, your score will do okay. Since no further actions will be taken against you by your creditors, your credit score will not suffer further. However, what if you do not want to take chances and prefer to protect your credit score? Consider looking for other options that will allow you to avoid a foreclosure. Some of these include:

Loan Modification – a process whereby the lender changes the terms of the loan to make payments more affordable for the borrower. Changes may be imposed on the term, the loan balance and the interest rate.

Short Sale – many times the lender agrees for the homeowner to sell their property for less than what is still owed. Most of the times the lender will forgive the deficiency and the credit score will not be hurt.

Deed in Lieu of Foreclosure – allows the homeowner to avoid a foreclosure by handing the property back to the lender. Instead of using bankruptcy to stop foreclosure, homeowners can take charge of the situation and walk away from a financial burden with their credit score intact.

Faced with foreclosure and on the brink of bankruptcy, many homeowners feel at a loss about what to do and where to go. If you feel unsure about handling the transition of your property on your own, working with a real estate agent, like me, will give you the confidence you need so you can use the best option available for you. Keep in mind that an informed decision is a better decision.

 Click here to set up a free, no-obligation, consultation or call 480.529.0938 to discuss. 

Articles

September 17, 2017 U.S. News Article 

Arizona Homeowners Associations Foreclosing Thousands Homes

A newspaper investigation has found Arizona residents are seeing their houses end up in foreclosure over missed maintenance payments to homeowner associations for as low as $1,200.

7 Ways to Buy Foreclosure Property    Video from Attorney William Bronchick Published on May 10, 2016 

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