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

House Payment Too High?

Owe More Than Your House Is Worth?

Due to the economy or whatever other problem, your income has been reduced or illiminated?

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!   

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 is 2 years or less! 

While a foreclosure can keep you under for 4 - 5 years.  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 even pays the homeowner up to $1500 for doing a short sale instead of walking.

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

SSPA Certified agent, Master Short Sale Consultant training, AZ Short Sale Expert Training, Loan Modification Training, Certified Appraiser, REALTOR, etc. etc.