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Special Short Sale Realtors

Published February 14, 2011 in Bank America Short Sales - 0 Comments

My First Short Sale

Hi! Welcome to Group 46:10’s short sale website. We are Kevin Kauffman and Fred Weaver, Arizona’s premier short sale realtors. There are a lot of excellent pieces of information on this blog to help Arizona property owners stay up to date or get educated concerning short sales in Arizona. We have closed higher than 300 short sales over the past few years at a very high success rate. So, we have lots of good quality information to share with you.

We would like to chat about one exact topic that can help homeowners relate to why we are so talented at what we do, short sales. From time to time we like to share stories so that you can understand how we are uncommon. We know that we look different from the typical realtor. Still, here’s the deal. We are professionals and we get the job done.

The average realtor will struggle in the world of short sales. For example, in order to be thriving with short sales, you need to have contact information for lender staff. One of our tips or tricks to receiving that contact information is to transmit out a Happy Thanksgiving email to bank executives. From that email we obtain an automated reply. Inside those auto response emails, there is typically a memo that tells us to contact this person or that person for assistance. So, by simply sending out one email, we gather extra contact details.

Your conventional realtor contacts the customer service division at the bank and asks for an update on their short sale packages. We, on the other hand, penetrate the lenders upper management that is making all of the decisions. You might think that it is insignificant or we are goofy, but please know that we are willing to go the extra mile to get your short sale package closed.

We would love to talk to you more concerning your choices. Please fill out a form on our blog concerning your Arizona short sale. We look forward to speaking with you.

Short sale FAQs and more.

Get more information on selling your home from Kevin and Fred at My First Short Sale by the Short Sale Specialists of Arizona

How We Successfully Close Short Sales

Published February 14, 2011 in Bank America Short Sales - 0 Comments

My First Short Sale

Hi! Welcome to Group 46:10’s short sale website. We are Kevin Kauffman and Fred Weaver, Arizona’s premier short sale realtors. There are a lot of excellent pieces of information on this blog to help Arizona property owners stay up to date or get educated concerning short sales in Arizona. We have closed higher than 300 short sales over the past few years at a very high success rate. So, we have lots of good quality information to share with you.

We would like to talk about the reason why you ought to intensely consider doing a short sale. You are going to find yourself in a condition in the next couple years where you may want to acquire an additional home. Perhaps it is four or five or six years away. And we are here to tell you that the banks have tightened their rules and regulations. They will make you wait a minimum of seven years to purchase a new property.

On the flip side, if you are a homeowner that uses the short sale, you have gone to the bank and renegotiated with the lender to sell your property by the use of short sale, you will be rewarded. Property owners that use the short sale can acquire a home in as little as two years. Right now you might be thinking about the short term. However, you have to think about the long term. Think about where you will be in a couple years and how your life will be on track and you may want to obtain a property again. The market will still be in a condition that you can take advantage of these miraculous prices to own a property again.

We would love to speak to you more about your choices. Please fill out a form on our blog concerning your Arizona short sale. We look forward to speaking with you.

Short sale FAQs and more.

Get more information on selling your home from Kevin and Fred at My First Short Sale by the Short Sale Specialists of Arizona

Timelines For Gov’t Programs, HAFA And HAMP

Published February 14, 2011 in Bank America Short Sales - 0 Comments

The Capstone Team

Hello, we are Derick and Andrea of the Capstone Team. We are the premier Bay Area short sale realtors. This blog is intended to help Bay Area homeowners stay informed of their options in avoiding foreclosure. Today we would like to chat with you regarding two gov’t programs, HAFA and HAMP, and their present timelines.

A lot of citizens in Bay Area have gone through the annoyance of attempting to acquire a loan modification only to have their home get foreclosed upon while they were in the loan modification process. Others have determined to do a short sale only to have the process go on for months at a time. Dependent upon the bank, the short sale may not be permitted, or since the procedure takes a long time, the buyer may make a decision to move on to a different home. With the new gov’t programs, this does not need to happen any longer! The time lines for HAFA and HAMP are significantly reduced.

  • HAMP is the Home Affordable modification Plan (Government Loan mod Program)
  • HAFA is the Home Affordable Foreclosure Alternatives Plan (Government Short Sale Plan)
  • Approvals happen in 10-14 days (although in practice may take a slight more)
  • Approval process starts once all paperwork is turned in
  • Good news for those attempting a loan mod or short sale

These programs involve the same paperwork and an extra form or two to qualify for.Nonetheless, the process is significantly faster for both programs. You will also get an approval or disapproval quickly. This permits you to move on to your next choice right away and elude a foreclosure.

If you are thinking about a short sale and dwell in the Bay Area locale, call us for more details and to find out if you meet the criteria.

The Capstone Team can answer your questions. We are Bay Area Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Derick and Andrea, at The Capstone Team presented by the Short Sale Specialists of the Bay Area

Employment Loss, Wage Cuts, And Short Sales

Published February 13, 2011 in Bank America Short Sales - 0 Comments

Orlando Short Sale Expert

Today we would like to speak a little bit about Employment loss. Lots of homeowners have lost their job or taken a considerable cut in pay. I bring this topic up because I have experienced this in my personal life. I’ve seen acquaintances and family members who have worked for businesses for several years and have lost their jobs. There are also a few who have taken a wage cut in order to retain their employment.

The unemployment rate in the Orlando area is high and i know that it is an issue. This has led to a troubling trend of Orlando potential short sale clients who are utilizing their savings account and their retirement account to keep up with their loan. They are simply trying to hold on to their Orlando property. Nevertheless, nine times out of ten, they end up losing their home and their funds.

I would persuade you to not throw good money after bad. If you have lost your job or witnessed a loss in income and in an upside down property, do not begin using your funds to keep your home. You will end up in a poorer situation, from my experience. Don’t leave the house or go through foreclosure. That is the worst route to pick. Short sale your Orlando house.

Here at the Mark Alan Adams Team, we are Orlando short sale agents. If you have had a loss of wages, we can build a case for your bank to aid you with your Orlando short sale. Sign up for our at no cost short sale package to receive more details in relation to Orlando short sales. we’d happily talk with you about your alternatives in this challenging time.

The Orlando Short Sale Expert can answer your questions. Mark Alan Adams’ Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale expert, Mark Alan Adams, at Orlando Short Sale Expert presented by the Short Sale Specialists of Orlando

Working A Loan Mod, Have A Backup Plan

Published February 13, 2011 in Bank America Short Sales - 0 Comments

The Capstone Team

Hello, we are Derick and Andrea of the Capstone Team. We are the premier Bay Area short sale realtors. This blog is intended to help Bay Area homeowners stay informed of their choices in avoiding foreclosure. Today we would like to confer with you on the subject of loan mods and making sure that you have a backup plan when and if your loan modification doesn’t work. We witness it all of the time: homeowners want to trust that their loan modification is going to be approved and they will get to hang on to their Bay Area home. Alas, the realism is that around 20% of loan mod applied for end up going permanent. If you do submit an application for a loan mod, the numbers undoubtedly are not in your favor. This can be due to numerous factors due to not being employed, being under-employed, poor health and so on. The lender will not give you a loan modification if you can’t make the payments on your Bay Area home according to their guidelines. What are your choices? Your 3 main choices include a conventional sale, HAFA short sale, or Bankruptcy. Their are other options, and if you would like to hear about them, please get in touch with us. Nonetheless, the above options are really the only options left for a lot of people that find themselves in economic distress. This is because by the time many people get to this step of financial hardship, they have reached their credit limits, used up their 401k and any other reserves they may have. The important points to keep in mind, are that A) You may be able to purchase a home again after just 2 years after a short sale, and B) You are likely to end up losing your property. Have a backup plan: if you are working on a loan modification, you have to define when you will give up and sell. A good rule of thumb is that if you have gotten a foreclosure date either in words or through a Notice of Default, you should think about a short sale.

If you are taking into consideration a short sale and have your home in the Bay Area area, call us for more details and to find out if you meet the criteria.

The Capstone Team can answer your questions. We are Bay Area Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Derick and Andrea, at The Capstone Team presented by the Short Sale Specialists of the Bay Area

Working A Loan Mod, Have A Backup Plan

Published February 13, 2011 in Bank America Short Sales - 0 Comments

The Capstone Team

Hello, we are Derick and Andrea of the Capstone Team. We are the premier Bay Area short sale realtors. This blog is intended to help Bay Area homeowners stay informed of their choices in avoiding foreclosure. Today we would like to confer with you on the subject of loan mods and making sure that you have a backup plan when and if your loan modification doesn’t work. We witness it all of the time: homeowners want to trust that their loan modification is going to be approved and they will get to hang on to their Bay Area home. Alas, the realism is that around 20% of loan mod applied for end up going permanent. If you do submit an application for a loan mod, the numbers undoubtedly are not in your favor. This can be due to numerous factors due to not being employed, being under-employed, poor health and so on. The lender will not give you a loan modification if you can’t make the payments on your Bay Area home according to their guidelines. What are your choices? Your 3 main choices include a conventional sale, HAFA short sale, or Bankruptcy. Their are other options, and if you would like to hear about them, please get in touch with us. Nonetheless, the above options are really the only options left for a lot of people that find themselves in economic distress. This is because by the time many people get to this step of financial hardship, they have reached their credit limits, used up their 401k and any other reserves they may have. The important points to keep in mind, are that A) You may be able to purchase a home again after just 2 years after a short sale, and B) You are likely to end up losing your property. Have a backup plan: if you are working on a loan modification, you have to define when you will give up and sell. A good rule of thumb is that if you have gotten a foreclosure date either in words or through a Notice of Default, you should think about a short sale.

If you are taking into consideration a short sale and have your home in the Bay Area area, call us for more details and to find out if you meet the criteria.

The Capstone Team can answer your questions. We are Bay Area Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Derick and Andrea, at The Capstone Team presented by the Short Sale Specialists of the Bay Area

Working With Small Banks And Short Sales

Published February 13, 2011 in Bank America Short Sales - 0 Comments

Short Sale Power Hour

This is officially the original installment of Short Sale Power Hour, year two! Fred is currently on hold with PHH Mortgage, a smaller lender in the industry. He was attempting to close up this call with PHH Mortgage before filming, but that has not occured.

We talk about the large four banks lots on this program. GMAC, Wells, BofA, and Chase are the bulk of our interactions. Today, we are going to chat about the smaller lenders in this game and in particular PHH Mortgage. A lot of of these smaller lenders have major issues with short sales.

Here’s the deal. With smaller banks you need to master the first 30 days. call them habitually. You have to be on top of them through every step of the course, even more than the big banks. They are losing documents frequently and their stated procedure times are dreadfully long. It can be 60-90 days before they will even get you to a coordinator and do a BPO.

We took a little time to dig up contact details for PHH Mortgage and now we have an cache of people to contact if we need to escalate. It becomes crucial to escalate files quicker with these smaller banks. You need to put the demands on these small lenders.

We are also working on a deal with Flagstar. They are still working on folders based on how close they are to the foreclosure sale date. The big lenders stopped doing this since they found out that the only thing they were accomplishing is postponing sale dates. So, none of the transactions were being approved.

In summary, stay on top of your files with smaller lenders. Escalate sooner rather than later. It is easier to get to the top. Additionally, with smaller lenders, the employees take things a little more personally because they are not dealing with short sales as much.

Short sale FAQs and more.

Get powered up by Kevin and Fred at Short Sale Power Hour by the Short Sale Specialists of Arizona

HAFA Plan Offers Little Success

Published February 13, 2011 in Bank America Short Sales - 0 Comments

Short Sale Shift

Good morning everyone. Thank you for coming to Short Sale Shift. We are Sarah Willman and Josh Pomerleau, Minnesota’s premier short sale realtors. We are in our new office where all of the magic happens. So, you may hear a little construction like we do. Hopefully that does not distract you as it doesn’t keep us from completing short sales.

We would like to speak to home owners and people in the Minnesota vicinity that are considering short sales, on the subject of HAFA. HAFA is a government plan that stands for Home Affordable Foreclosure Alternatives. There are a few good things about the HAFA program from a conceptual approach. The idea behind this government plan was a good one. Nonetheless, it doesn’t work as you will see with the figures that we are going to present to you now.

We do try to put our Minnesota short sale clients through the HAFA plan since there are some incentives for the lender and some great incentives for the home owner also. Nevertheless, the results of utilizing the HAFA program have not been promising. So, much of our achievement with Minnesota short sales comes outside of the HAFA plan.

The figures are extremely frightening. Since the HAFA program came out in April, there have been 340 short sale packages closed through the HAFA plan. There are probably more than a million short sales that have been completed in that time, but just 340 have been completed through the HAFA plan. That is far from the victory that the government was hoping for.

If you are in the Minnesota region and thinking about a short sale, please contact us today. We can help you dodge foreclosure. You can also check out the chat tool on our website for quicker access. Thanks for tuning in!

Minnesota Short Sale Shift can answer your questions. We are Minnesota’s Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Josh and Sarah, at Short Sale Shift presented by the Short Sale Specialists of Minnesota

What To Anticipate During The Short Sale Process

Published February 13, 2011 in Bank America Short Sales - 0 Comments

My First Short Sale

Hi and welcome. We are Fred Weaver and Kevin Kauffman, Group 46:10. We are Arizona’s best short sale team. Here on this website there are many frequently asked questions to help you understand the short sale procedure and get to know us. We have completed greater than 300 short sales, a quantity unequaled in the state of Arizona.

One of the things that we wanted to chat about with you today is what you can expect from the short sale process. We can answer this for you with a few very broad answers, understanding that anything can happen in a short sale.

First, how long does it take to close a short sale? You will get some paperwork which will take about 48 hours to complete. When we have that information we will then list your property for sale. We will come to your home and take pictures, put up a sign and do all of the stuff that generally happens with any property sale.

Then we will market your property on the MLS and hundreds of websites that we have access to through our network of websites. What is expected to take place next is that a buyer, working with a real estate agent, will find your home through the MLS and wait for offers. We will reprice your home every two weeks until we get an offer. This procedure typically takes anywhere from 30 to 75 days. When we have an offer that we think the bank will agree to, we will negotiate with the lender. This negotiation procedure will take, on average, 50 to 90 days. Then we will let everybody know that the deal has been approved. We will then get your house closed in 21 days.

From filling out the form on our website to closing on your home it will take about five to seven months to close a short sale. It can surely occur quicker than that, but it starts by filling out a form on our blog today. Thanks and have a great day!

Short sale FAQs and more.

Get more information on selling your home from Kevin and Fred at My First Short Sale by the Short Sale Specialists of Arizona

Fresh Wells Fargo Short Sale Program Improves The Process

Published February 12, 2011 in Bank America Short Sales - 0 Comments

My First Short Sale

Hi! Welcome to Group 46:10’s short sale website. We are Kevin Kauffman and Fred Weaver, Arizona’s premier short sale realtors. There are a lot of excellent pieces of information on this blog to help Arizona property owners stay up to date or get educated concerning short sales in Arizona. We have closed higher than 300 short sales over the past few years at a very high success rate. So, we have lots of good quality information to share with you.

We would like to share some good news with you today. If you have a Wells loan that is owned by Fannie Mae you may benefit from a new program that they are implementing. Firstly, you need to determine whether or not your loan is owned by Fannie Mae. Wells fargo and Fannie Mae are working on a program that will permit you to carry out a short sale with limited documentation. You might be someone that has missed a few payments. If that is the case, you may benefit from that. Wells fargo will consider a short sale for you with just a few easy documents. This will be accepted quicker than ever before.

If you possess a Wells loan, please contact us today and we can help you figure out if you meet the criteria for this streamlined fresh course that is designed at assisting homeowners. It is a simple procedure and takes only a couple minutes of your time. This might be your opening to improve your financial state of affairs.

We would love to speak to you more in relation to your options. Please fill out a form on our website regarding your Arizona short sale. We look forward to talking with you.

Short sale FAQs and more.

Get more information on selling your home from Kevin and Fred at My First Short Sale by the Short Sale Specialists of Arizona