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SHORT SALE TAX EXEMPTIONSET TO EXPIRE IN 2012
If you are contemplating short selling your home, this is a must read.
H.R. 3648 EXPIRES ON 12/31/2012
On December 21, 2007 President Bush signed into law The Mortgage Forgiveness Debt Relief Act (HR 3648) which protects most homeowners from being liable for paying taxes on the deficiency after a short sale on their primary residence. This law caused short sales to spike in numbers nationally very quickly, even more so here in Southwest Riverside County. As soon as this was seen as a legitimate exit strategy by the U.S. Treasury / government, many homeowners were more comfortable choosing this option to avoid foreclosure. Of course, there are stipulations to this exemption and this advertisement is in no way an attempt to deliver tax or legal advice.
The bottom line is that this major exception in the tax code is set to expire at the end of this year (2012) and that is big news for distressed homeowners.
WHY THIS AFFECTS YOU
In most cases, short sales are anything but short. Many seem to linger on for 6 -9 months or more. That means if you are delaying a short sale in hopes your loan servicer may offer you a loan modification, you have some big decisions to make VERY soon. If HR 3648 is not extended and you do not list your home for sale as a short sale in the next 30 – 60 days, the chances of your transaction being a taxable event may go up drastically.
There are many government and proprietary short sale programs that give cash incentives as well as other non-recourse incentives to borrowers for choosing a short sale. Make sure you are in full control of your future. Call me today at 951-375-0367 to discuss your options.
Temecula and Murrieta Homes, Real Estate Agents, Temecula - Murrieta Short Sales, Also serving Wildomar, Menifee, Canyon Lake, Lake Elsinore and Winchester - Foreclosure Homes List Available
Call us at 951-375-0367 for all your Temecula, Murrieta, Winchester, Menifee, Wildomar and surrounding area real estate and home needs. Like us on Facebook www.facebook.com/berkshirewestrealty Find us on Trulia www.trulia.com/profile/kevinmclaughlin
Great Temecula and Murrieta blog about real estate short sales and loan modifications http://shortsalenow4free.com/
We are Local Temecula - Murrieta Real Estate Agents / Brokers and our client's satisfaction is our highest priority. Our extensive experience includes residential real estate, resale homes, new homes, short sales, foreclosure homes, banked owned (REO) homes, military relocation & executive relocations.
Buying and selling Temecula, Murrieta, Menifee, and Wildomar real estate requires a special agent with specific area knowledge (property tax, home buying tips, Temecula loans). Whether you're buying a new Temecula or Murrieta home, a Murrieta or Temecula town home or condo, a La Cresta or De Luz custom estate, executive Bear Creek house, Murrieta foreclosure or short sale, Temecula short sale or bank owned home, foreclosure in Temecula or Murrieta, a Menifee retirement community property, Wildomar Real Estate, or selling your house with equity, or as a short sale, or if you need help avoiding foreclosure. please contact us today! We are your Murrieta-Temecula Valley CA Real Estate Experts!
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
We help families with the Short Sale Process. LET US HELP YOU.
You may have heard about the FREE home selling strategy most commonly referred to as a real estate short sale, and how you can easily use it to avoid foreclosure and 10 years of devastated credit.
In fact, you might already be in a situation where you can no longer afford your mortgage and are facing foreclosure. If that's the case, a real estate short sale is the perfect solution. Your bank would actually prefer a short sale on your home as opposed to a foreclosure. Foreclosing costs them much more money. When a bank forecloses on your home they must pay to manage the property until they can sell it. When it does sell, it's often for much less than they would have received through a short sale because buyers perceive greater bargain opportunities in foreclosures and bid lower.
At Berkshire West Realty, we've helped people just like you avoid foreclosure, save their credit and start the financial healing process. I'm certain that my strategic advice and counsel, if applied, will help you and your family.
If you're already behind on your payments, stop reading right now and call 951-375-0367.
Welcome to the Murrieta / Temecula Valley! The role of a Berkshire West real estate agent is to guide you through the home buying or home selling process, taking the time to make sure you understand every step of the transaction. At Berkshire West Realty, we are absolutely committed to fulfilling your needs with the highest level of professionalism, expertise and service. Our commitment to your satisfaction is the foundation from which a solid business relationship is built.
At Berkshire West we realize that people do business with people they trust. We are interested in what is best for you, the client, and are committed to establishing a long-term relationship based on trust. We pride ourselves on being knowledgeable and staying current with changes in the industry that will affect the success of your transaction. Our agents have extensive knowledge of the communities of Southwest Riverside County, strong negotiation skills, and the commitment to providing excellent service are all crucial elements. Each agent at Berkshire West Realty will help negotiate the best possible deal for their clients with each and every real estate transaction. Serving the Murrieta / Temecula Valley since 1989.
- Enthusiasm working for you
Helping people make important decisions regarding real estate is a serious responsibility, but something that we enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions. - Established Credibility
We have many years of experience and knowledge working in this industry. We can say with confidence that we'll get the job done right.
Berkshire West Realty Certifications
Murrieta Real Estate Agents who are Equator (formerly known as REOTrans) Platinum Certified for REO and Short Sale Properties, RES.NET Certified, The Five Star Institute Certified, Better Business Bureau with A+ Rating.
Real Estate Agents Serving Murrieta, Temecula, Wildomar, Menifee, Canyon Lake, Lake Elsinore and All of Southwest Riverside County
To get information on other cities in the Southwest Riverside County area, Please call us at 951-375-0367 or email us at info@BWestRealty.com
Some of the Communities We Specialize in: Murrieta, Temecula, Tuscany Hills, Crowne Hill, Paseo Del Sol, Santiago Estates,Temeku Hills and Grizzly Ridge, Paloma Del Sol, Vintage Hill, Chardonnay Hill, Redhawk, Copper Canyon, Vail Ranch, Mapleton, Bear Creek, De Luz, La Cresta and Meadowview. In addition to the above mentioned communities, we are also buying and selling in Montego Bay Condos, Auberry Condos, Alpine Union Condos, Arboretum Condos, Madison Condos and Sonrisa Condos. Winchester Creek, Mariposa, Menifee Lakes, Menifee Heights, Country Walk, Rancho Bella Vista, Walnut Crest, Wolf Valley, Monet, Vintage Reserve, Old School House and Rancho Del Mar Condos. Greer Ranch, Blackmore Ranch, Berkshire, Mariposa, Bayberry, Riverstone, Granite Gate and May Ranch. Other fine communities include Sherwood, Whispering Oaks, Avondale, Mission Wells, Berringer Creek and Nottingham. Olde Orchard, Morgan Hill, Glenburst, Ashwood and The Cove. Call us if you are interested in buying in The Landing, Amberwalk, Terrazzo, Barrington Heights, Summit Ridge, Meadowland, Walden at Harveston or Valdemosa, Jackson Crossing, Menifee Green, Ryland Oasis, Roripaugh Hills as well as in Country Glen. We will be able to help you buy or sell in Winchester Creek, Mariposa, Menifee Lakes, Menifee Heights, Country Walk, Rancho Bella Vista, Walnut Crest, Wolf Valley, Monet, Vintage Reserve, Old School House and Rancho Del Mar Condos. Remember, Berkshire West real estate agents are experts in REO bank owned home sales and purchases, short sale listing, negotiating, and selling, AND we have the expertise to help you sell your home with equity and receive the most profit the market will bear.
Southwest Riverside County Real Estate, Home Buying, and Home Selling Tools
This web site features every real estate tool you need when looking at Southwest Riverside County real estate. You can browse exclusive homes for sale, search virtually all area listings through our property search, calculate mortgage payments on your next home with our real estate mortgage calculators, access home buying and selling tips, get tremendous area information about Southwest Riverside County including specific information for Murrieta, Temecula, Wildomar, Menifee, Canyon Lake and Lake Elsinore. Furthermore, you can find out how much your property is worth, and access comprehensive information about selecting someone from our team as your real estate agent. If you are interested in learning about Southwest Riverside County schools, this site also offers thorough school information.
Thanks again for visiting and be certain to contact the email or phone number above for the best professional real estate service.
Temecula and Murrieta CA – You can hire a real estate agent if you want to, but it’s not a necessary step to get preapproved for the short sale. I help my sellers get preapproved but not every short sale agent offers this type of service because we don’t get paid to do it
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
Here is how the program is approached:
1. Write a hardship letter.
2. Send the hardship letter to the bank and ask the bank to do a Cooperative Short Sale.
3. Follow up with Bank of America weekly to make sure your Cooperative Short Sale is being processed.
The bank might request other documents. But, in most cases it will not. The program is streamlined. This means the bank will run a credit report.
If your FICO score is very low and your credit report is terrible, then Bank of America probably will not ask for supporting documents. It will simply approve your Cooperative Short Sale.
The process can take anywhere from 30 days to 3 months. By working with Bank of America on a Cooperative Short Sales, you can sell your home without the negative aspects of a foreclosure.
It truly is a situation where everyone’s best interest: yours, the buyers, and the banks, can be mutually considered. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
Get your Free copy of the Homeowner’s Guide to Real Estate Short Sales by clicking here.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Temecula and Murrieta loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Kevin McLaughlin.
Kevin is a Real Estate Broker at Berkshire West Realty. Temecula and Murrieta Short Sales Realtor:
Phone: 951-375-0367. info@BWestRealty.com.
Sometimes Moving Forward In Life Begins By Simply Moving
View My homes for sale at www.BerkshireWestRealty.com.
Kevin McLaughlin specializes in loan modification assistance and short sales in Temecula and Murrieta California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale.
This information on Temecula and Murrieta Short Sales: How To Do a Bank of America Cooperative Short Sale is provided as a courtesy to our viewers to help them make informed decisions.
One Key To Getting A Murrieta or Temecula Short Sale Approved
 Murrieta and Temecula CA –
Working to convince a bank to approve a short sale is what I do every day. I work with lenders on a daily basis.
I understand the importance of starting the process in a way that is likely to succeed with the lender’s loss mitigation department.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
I am always prepared and I maintain a high level of professionalism during the whole process because I understand how critical it is to get a short sale approved.
The Lender wants a great file. I understand that I only have one opportunity to impress the lender with a professionally prepared file and this is exactly what they will get. This initial step often proves to be determinant on the lender’s decisiveness to approve your file.
As much as lenders may not like to acquire properties through foreclosure, they will not just approve any short sale.
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
When I submit your short sale file for approval, I will come up with a strategy that will have the lender feeling positive about approving the short sale.
Remember, your short sale file will be reviewed by a human being just like you and me. Someone that can’t help but understand and feel the problems other people have to face in life.
I will help you outline the events that caused you to fall behind on your mortgage so that the loss mitigation representative handling your file will look for ways to give us approval.
Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Thinking about a loan modification? Our Murrieta - Temecula loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Kevin McLaughlin.
Kevin is a Real Estate Broker at Berkshire West Realty. Murrieta - Temecula Short Sales Realtor: Phone: 951-375-0367. info@BWestRealty.com. Sometimes Moving Forward In Life Begins By Simply Moving View My homes for sale at
www.BerkshireWestRealty.com.
Kevin McLaughlin specializes in loan modification assistance and short sales in Murrieta California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale.
Murrieta and Temecula Short Sales: Do Not Pay Any Upfront Fees To Anyone
Murrieta and Temecula CA – Most state governments have determined that the practice of offering consulting services to those with delinquent mortgages presents an opportunity for abuse.
You don’t need to pay any consulting fees to get the help that you need to resolve your unpaid loan.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
You have a chance to work with your mortgage company to determine what options may be available to resolve your unpaid mortgage.
If the problem that led to this is temporary, you may explore the option of a Forbearance or loan modification agreement with your mortgage holder. We offer a free guide to negotiating a loan modification agreement with your lender.
There is a possibility that your situation may involve legal issues. In such a case, you may need to consult an attorney that specializes in either real estate or contract law. They can advise you on how to proceed forward.
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Are you in this complex situation and do not know what to do? You are just a call away from getting the assistance that you need.
Just give me a call. I do not charge any consulting fees and will do all I can to give you the help you need.
Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Thinking about a loan modification? Our Murrieta - Temecula loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Kevin McLaughlin.
Kevin is a Real Estate Broker at Berkshire West Realty. Murrieta - Temecula Short Sales Realtor:
Phone: 951-375-0367. info@BWestRealty.com.
Sometimes Moving Forward In Life Begins By Simply Moving
View My homes for sale at www.BerkshireWestRealty.com.
Kevin McLaughlin specializes in loan modification assistance and short sales in Murrieta and Temecula California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale
Murrieta - Temecula Short Sales: How do I benefit from a Short Sale?
Murrieta and Temecula CA –
The Stop Foreclosure Institute is closing another short sale tomorrow. The sellers had a job transfer out of state. They were short selling an FHA loan with a second mortgage. The short sale was fairly simple because FHA's short sale guidelines.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
Here was how these sellers benefited from the short sale.
Benefit #1: The sellers were able to walk away with the debt wiped out completely. The FHA short sale guidelines released them from the first mortgage debt. The second mortgage also gave them a complete release. At first they weren't willing to do that. But, we offered them a little extra money in return for a complete release. Fortunately they agreed to it. This meant that the sellers were able to completely wipe out a total of $180,000 in upside down debt.
Benefit #2: The sellers paid no money for the short sale. Everything was paid for by the lender. The short sale lender paid the real estate agent, title company, and all the other fees. They can look forward to getting their financial life back on track.
Benefit #3: They will be eligible to buy another home in 2 years. Current Fannie Mae Rules allow homeowners to buy another home 2 years after a short sale. Compare that with the 5-7 year wait after a foreclosure.
Benefit #4: Limited Tax Consequences. These sellers will owe no taxes on the loss. Why? Because the Mortgage Debt Relief Act of 2007 states that you will not owe taxes on a loss if you used that money to purchase or remodel your home. I recommend that you talk to a competent tax professional before making any financial decision. This is only my opinion after reading the law.
Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.
Thinking about a loan modification? Our Murrieta - Temecula loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.
Thanks for reading this, Kevin McLaughlin.
Kevin is a Real Estate Broker at Berkshire West Realty. Murrieta and Temecula Short Sales Realtor: Phone: 951-375-0367. info@BWestRealty.com.
Sometimes Moving Forward In Life Begins By Simply Moving
Kevin McLaughlin specializes in loan modification assistance and short sales in Murrieta and Temecula California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale.
This information on Murrieta - Temecula Short Sales: How do I benefit from a short sale? is provided as a courtesy to our viewers to help them make informed decisions.
Murrieta and Temecula Short Sales: Mistakes To Avoid When Facing Foreclosure
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
You will need to consult with an independent attorney, not the buyer’s attorney. Deeding your property will render you powerless. The new owner will always have control and as such they can do anything with the property, including renting it out and keeping the rent, or even attempting to sell it to make profit. This may have a negative financial impact on you because the new owner might not make your mortgage payments. As you well know, this can cause huge damage to your credit.
Mistake #2: Selling your home at a huge discount. Take time to explore your options especially when your foreclosure sale is more than 45 days away. Take a day or two making phone calls just to try and find an appropriate solution for your situation. Do not allow a buyer to push just to get you sell them your property. In such a case, the deal will most likely be favorable to them and not to you. Equity in your home belongs to you.
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Mistake #3: Authorizing a prospective buyer to deal directly with your lender. The buyer will always ask your lender to accept a discounted payoff. The negotiations may be longer than expected and if they fail to agree, the buyer may decide not to buy your property. This could waste time for you. Before you realize, you may not have time to resolve the situation and avoid foreclosure. In addition, not knowing what goes on between the buyer and your lender may be detrimental to you. It may happen in such a way that the buyer could handle the negotiation and presentation of information in a way that makes it very difficult for you to resolve your loan situation later.
If you believe that this is the best option for you, please make sure that you consult with a real estate professional or an attorney before signing a contract. Hiring a real estate professional to represent you costs you nothing as the lender will pay the fees.
We have helped many homeowners like you and we can do it for you at absolutely no cost. The worst thing for you to do is to sit back and do nothing about your situation.
Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
Thinking about a loan modification? Our Murrieta - Temecula loan modification kit has the instructions you will need to get a loan modification approved with your bank.
Click here to request a copy.
Thanks for reading this,
Kevin McLaughlin. Kevin is a Real Estate Broker at Berkshire West Realty.
Murrieta and Temecula Short Sales Realtor:
Phone: 951-375-0367.
Sometimes Moving Forward In Life Begins By Simply Moving
Kevin McLaughlin specializes in loan modification assistance and short sales in Murrieta and Temecula California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale.
This information on Murrieta and Temecula Short Sales: Mistakes To Avoid When Facing Foreclosure is provided as a courtesy to our viewers to help them make informed decisions.
How To Convince A Lender To Approve A Murrieta or Temecula Short Sale
Murrieta and Temecula CA – Patience, persistence, and a lot of experience is required to convince a lender to approve a short sale. It is a process with many steps.
Do “NOT” allow a buyer to work directly with your lender! Don’t let the buyer speak for you.
You will be required to provide so much financial information and documentation to your lender. This is not something to let your buyer discuss with your mortgage holder. If you do, you will have no control over what the buyer tells your mortgage holder.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
Getting the best deal is always on the mind of the buyer. That could ruin the entire process. A lengthy negotiation period will leave you with absolutely no time to avoid foreclosure if the sale doesn’t work out.
Get a professional to do this for you. It costs you nothing. Never get stuck in your situation and let the process run without your control.
Getting a real estate professional to handle your short sale file is absolutely free and an option worth taking. The mortgage holder pays any real estate fees involved and you pay nothing.
In addition, the mortgage holder knows that it is in their best interest as well as that of the borrower to the have short sale file put together properly by a professional that does not have a conflict of interest right from the beginning.
We’re ready to represent you just the way we have successfully done it for many others.
Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367
Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here.
Thinking about a loan modification? Our Murrieta - Temecula loan modification kit has the instructions you will need to get a loan modification approved with your bank.
Thanks for reading this, Kevin McLaughlin.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice Kevin McLaughlin, Berkshire West Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale that the lenders pays. The views expressed here are Kevin's personal views and do not reflect the views of Berkshire West Realty.
Temecula - Murrieta Short Sale Question: Do Lenders Always Agree To Loan Modification Requests? Temecula - Murrieta CA – Unfortunately, lenders do not always agree to loan modifications. That’s why when you decide to explore this option you need to get all the information you can on the subject. Lenders call the loan modification process "Loss Mitigation." Loss mitigation is the act of lessening the lender's losses whether they approve a loan modification, short sale, or foreclose on the property. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. The lender's loss mitigation specialist will provide multiple strategies for repaying your loan, depending on the type of loan and delinquency. When you get my advice on how to avoid foreclosure, I can help you decide if a loan modification is the best option for your situation. If you decide that a loan modification is the best option, then I will give you a copy of my free loan modification guide. You can use the guide to negotiate a payment reduction with your lender. The lender may propose repayment plans that best fit your needs. The loan modification guide explains how to start the loan modification process from start to finish. It also explains how to convince a lender to agree to a loan modification. Please request a free copy today so you can get your mortgage payment reduced and keep your home. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367 Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here. Thinking about a loan modification? Our Temecula - Murrieta loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Kevin McLaughlin. Kevin is a Real Estate Broker at Berkshire West Realty. Murrieta Short Sales Realtor: Phone: 951-375-0367. info@BWestRealty.com. Sometimes Moving Forward In Life Begins By Simply Moving View My homes for sale at www.BerkshireWestRealty.com. Kevin McLaughlin specializes in loan modification assistance and short sales in Temecual and Murrieta California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.  Teme
cula and Murrieta CA – You may be in a situation where your income dropped for a few months and then went back to normal. During that time period, your got behind on your mortgage and other payments. Don’t worry, this isn't a doom and gloom problem. Click here to discover how other sellers successfully did a short sale and avoided foreclosure. Many people missed payments for up to 18 months and still kept their home. In two cases that come to mind, their lender simply forgave the missed payments. They started fresh with payments very close to their prior payments. In one of those cases, the homeowner's payments were reduced by $1,000 a month. The key is to convince your mortgage company that you can still afford your home. You will need to prove a couple of things: First, that the problem that caused your mortgage payment disruption was clearly beyond your control. An example of this could be an illness, temporary disability, or injury. Second, you will need to prove that you are now in a good position to stay current on your payments and make some progress towards repaying the unpaid amount. (They sometimes ask for you to repay the missed payments over the course of 6-12 months.) You will need to convince your mortgage company that you’re back on your feet financially. You need to show that you will be able to make your payments without a struggle. If you are in this situation, do not wait for your home to be sold without exploring the options available to you. Please contact me for more information on my free loan modification guide that will help you with a Forebearance or Loan Modifcation. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at info@BWestRealty.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 951-375-0367 Get your Free copy of the Homeowner's Guide to Real Estate Short Sales by clicking here. Thinking about a loan modification? Our Temecula - Murrieta loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Kevin McLaughlin. Kevin is a Real Estate Broker at Berkshire West Realty. Temecula and Murrieta Short Sales Realtor: Phone: 951-375-0367. info@BWestRealty.com. Sometimes Moving Forward In Life Begins By Simply Moving View My homes for sale at www.BerkshireWestRealty.com. Kevin McLaughlin specializes in loan modification assistance and short sales in Temecula and Murrieta California. Murrieta Loan Modification Help, Murrieta Short Sales. Murrieta Short Sale Realtor. Temecula Loan Modification Help, Temecula Short Sales. Temecula Short Sale Realtor. Winchester Loan Modification Help, Winchester Short Sales. Winchester Short Sale Realtor. Menifee Loan Modification Help, Menifee Short Sales. Menifee Short Sale Realtor. Wildomar Loan Modification Help, Wildomar Short Sales. Wildomar Short Sale Realtor. Murrieta CA Short Sales. Murrieta Realtor. Murrieta Homes For Sale, Temecula Homes For Sale, Winchester Homes For Sale, Menifee Homes For Sale, Wildomar Homes For Sale. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice Kevin McLaughlin, Berkshire West Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission paid by your lender for helping you on a short sale. The views expressed here are Kevin's personal views and do not reflect the views of Berkshire West Realty. This information on Temecula - Murrieta Short Sale Question: I Had A Temporary Income Problem. Do I Still Need To Sell My Home? is provided as a courtesy to our viewers to help them make informed decisions.
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