If Your House Is Upside Down & You Are Under Water, You Need a Reliable Solution!

There is almost never a GOOD reason to become a Foreclosure Victim!

But it's the homeowners responsibility to be proactive in finding their best Solution!

Get Your Free Consumer Resource Guide to Available Solutions in AZ.

And my Short Sale Information Packet

( Don't leave your home without it! )

www.CraigsHouseDeals@yahoo.com

You are not alone.  Millions of people are in the same boat.  Some may qualify for LOAN MODIFICATIONS.  I can give you a good idea about your ability to qualify for a Loan Mod. I went through training with one of the largest & most successfull Loan Mod companies in AZ so I can, as an agent, better help homeowners know what their options are!   

Your Advantages

Short Sale can get you back on track years sooner than a foreclosure!

Did you know that in some cases the credit recovery time for a Short Sale far less than 2 years!  And in some cases a homeowner can do a short sale w/o missing any payments!  Then it may be possible to go right out & buy a more affordable home w/o waiting!

A Short Sale is a negotiated solution that may reduce or eliminate potential liability to your lender.  A foreclosure is a legal action that costs the lender a lot of money.  If a homeowner is liable for any part of the loss, a foreclosure could increase the amount of money the lender could sue them for afterwards.  Please seek the advise of a lawyer who specializes in real estate foreclosure issues to find out where you stand.  Protect yourself.

While a foreclosure can keep you under for 4 - 5 years. And even after that, you could still have to pay a large downpayment in order to buy again.  Which one would you pick?

A Short Sale can be FREE to the homeowner! as the lender typically pays for all commissions & closing costs & in some cases can pay the homeowner up to $1500 or more for doing a short sale instead of walking.

In my mind, if a homeowner needs to do a short sale, it is the most honest & ethical way to approach the situation.  It is a win-win for the homeowner & the lender, as opposed to foreclosure.  You may be mad at your lender, & you may have a good reason, but they really don't care.  You need to do what is going to be best for you!

Be Aware !

There are scams out there promising quick easy help, don't sign documents you don't understand or pay a lot of money upfront to anyone.

There are also a lot of well meaning people trying to help that have not been to enough training on these issues. There are reasons why less than 1/2 of short sale listings actually close escrow.

Just one example, Ask just about any real estate agent about their plan to protect your personal financial information from identity theft during the short sale process, & I'll bet most do not have a solid plan or any plan.  E-mails are not secure, especially if the e-mail has a sync to a phone, as many do these days with smart phones etc.  With all the buzz about going paperless among agents, what is the security of the info? There are a lot of government regulations relating to this issue, & you need to know your information is going to be as secure as possible.  Needless to say, I have a plan!

This can be a tough & emotional decision, & the more information you arm yourself with, the better your CHANCES FOR SHORT SALE SUCCESS.

 I've been to numerous short sale seminars by some of the countries most successfull short sale experts, been successful in the short sale process & continue to seek more updated information all the time.  The short sale is not like a typical sale.  That's why a lot of agents shy away from even touching them.  I've aligned myself with some very good professionals who know their short sale stuff & we can offer you one of the best chances for a successfull short sale. 

I know many people are asking the question, is a short sale right for me, or could I get a better deal by getting a loan modification.  That's a great question.

That's why I have spent a lot of time training with one of Arizonas largest & most successfull loan modification companies & some of the best short sale professionals in AZ.  I wanted to be able to help people answer that very question.  And I can now offer you a great bit of info on how to tell which way you might be able to go.  Of course, its a good idea to also get legal & tax advise before making a final decision. 

Basically if you still have income similar to what you have had, maybe less but not a lot less, or a new higher payment, you may be able to get qualified for a loan modification.  There has to be a hardship, but there also has to be income to make a payment with. The new goverment plan is to take a owners payment down to 31% of income.  There is more to it than that, but that's the basic idea.

The Short Sale is for those with more severe hardships that there is no way they can keep their current house, even with a loan modification.  There are many people in this situation because of the economy. 

Please feel free to contact me for information or a free no obligation consultation.  CraigsHouseDeals@yahoo.com  or call me at: (480) 244-6210

SFR  ( Short Sale, Foreclosure, Resource certified ), SSPA Certified agent, Master Short Sale Consultant training, AZ Short Sale Expert Training, Loan Modification Training, Certified Appraiser, REALTOR, etc. etc.