Showing posts with label Maryland Short Sale Help. Show all posts
Showing posts with label Maryland Short Sale Help. Show all posts

Friday, September 21, 2012

A Short Sale Tale. .with a Happy Ending | Dear Consuelita

http://www.reallynicehomes.com/blog/short-sale-tale-happy-ending-dear-consuelita/
CLIENT: "Hi Fernando, do you remember me?"
 

ME: "Of course I do, you are the one I helped a couple years ago do a short sale. .how are you doing?, How is the family?"

CLIENT: "We are doing well, we are receiving  your emails every week and in one of them, you've mentioned  about being a great time to buy again. .I was wondering if you can help us, I think we are ready to be HOMEOWNERS once again?"

ME: "Of course we can! Let me get you connected with a loan officer and see where you are as far as your credit is concerned . .and we'll go from there. . OK? "

CLIENT: "Thank you Fernando, we are ready when you are. .our lease ends in 3 months and I just got a raise."

"An experienced loan officer with access to many programs available could possible find the right loan based on your own circumstances. . . you will never know until you try it!"


ME: "Great news, you qualify for a loan. .I'll get you connected with our buyer agent and lets start looking for homes!


CLIENT: Thank you Fernando, we have this weekend available. .


I'm very happy to report the ratification of one contract for our dear clients. .there will be some celebrating in order when they get their new house keys!


Dear Consuelita:

Your parents  hired me to do a short sale a couple years ago, you were two years old then. . of course you don't remember me.. .

I'm the one that sold their house and arrange it with their lender,Bank of America to forgive your parents from over $100,000 of debt and many years of residing inside a home living  underwater; with no hopes for a better future and not knowing how many years they will have to pay. . before they even catch up to their home's value. 

Now, you've turned  four years old. .two years later and  their nightmare is over and you will start kindergarten soon coming to your brand new home everyday!

You can have a puppy now. . your parents make the rules . .not your landlord

They can paint your bedroom walls pink. .without having to ask your landlord's permission.

They can possible refinance your new house in 14 years and have enough to pay for your college.. 
I shudder with fear knowing of that day your parents made the decision to do a short sale or not. .at their kitchen table.
That day was a huge day for them. 
A day that determined that may have determined your future!
A day that determined where they were going to be two years later. .5 years later. . 14 years later.
I was very happy for their decision then. .
I'm very happy for you now. .

See you at closing Consuelita.. .I'll be the one holding a teddy bear for you!



Now, ask yourself. . .about the loan modification you may have signed. .was that good for you. ..or just your bank?



THINK if IT STINKS!




EspaƱol? Haga Clic Aqui




Short Sales Expert MD

Come on. .swim to it. .grab it and call me!

240-426-5754




One of best  testimonials ever. .watch it!

     
     



Monday, August 27, 2012

Everyone knows how difficult is to get short sales accepted by the lender. . .





Everyone knows how difficult is to get  short sales accepted 

by the lender. . . 


But. .. We DID IT AGAIN!



Lender: WELLS FARGO

Original Purchase Price: $554,020

SOLD in a HAFA SHORT SALE for : $305,000


$3,000 Relocation costs for my clients


100% Full REMOVAL of ANY Deficiency JUDGMENT


Actual excerpt from the final approval letter:

Reads: Upon short sale completion, . .

 "shall waive the bank's right to seek a deficiency under 

the loan documents or any of its other rights there 

under,  and the obligations evidenced by the note"


Total net to the bank from proceeds: $279,347.78



                                       Total deficiency forgiven. . $274,672.22 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!




Final Results. . .

Why don't I just show them to you?




It is important to find a realtor who is an expert in 

handling short sale transactions. . .if you are having 

problems with a hardship and contemplating years and 

years for your mortgage to catch up with your home's 

value. .


Do the smart thing . . You should call me. . .240-426-5754


                  SHORT SALES IN MARYLAND


short sales

Hello, 


It is my sincere belief that homeowners need to find an advocate to represent them.  
Someone to seek the guidance, counsel, and services to make the right decisions based on facts and not emotions.  
An advocate that is educated, a licensed distressed property expert, a real estate broker that has the experience, the knowledge and the savvy to simply get you OFF the hook! Someone that will act totally in your best interests to help you find the best solution to the financial crisis you are facing now.
I believe I am that advocate for you for many reasons. .
With my experience and as a broker certified by different organizations to do short sales, I have developed a system that helps homeowners dealing with distressed properties. My team of Realtors, one assistant, an attorney and several supporting staff has developed long lasting relationships with these lenders that allow you to take advantage to short sale your property quickly and remove instantly bad mortgage debt. The strength of our experience and knowledge is invaluable to anyone seeking for a solution.
Fernando Herboso Broker for Herboso & Associates 240-426-5754


Saturday, August 25, 2012

Is a Short Sale Right For Me?


http://www.reallynicehomes.com/blog/what-better-doing-one-short-sale-two/

"What is better than doing one short sale?  

TWO!"

Short Sales have been the salvation for a  lot of the homeowners we helped so far. . .
What can be a better solution?
Your house is upside down by thousands of dollars. 
Your equity may break even with your mortgage in 15 years,
15 years of paying and paying just tor break even? 
So, you've decided to go forward on a short sale. .
You have a legitimate hardship and the lender accepts the short sale
You have another upside down property that is an investment. .
The same hardship can be applied here. . "resetting" your real estate holdings to short sales all at one time. .
and start fresh once again. .
The question is. . .

Is a Short Sale Right For Me?



I invite you to read some of my own publications about short sales and loan modifications. . 



     short sales           

          

     

More Short Sale Information HERE 

Fernando Herboso is the author for the above eBooks. 
Fernando is available to consult with you about your short sale situation. .if you live in MD, DC or VA by calling 240-426-5754

Monday, July 23, 2012

The Different Types of Hardships in Short Sales

New Email
http://www.reallynicehomes.com/blog/different-types-hardships-short-sales/

Types of Hardships That Qualifies For a Short Sale

A short sale is when a homeowner facing foreclosure sells his or her property for less than what is owed to the mortgage lender. The sale has to be approved by the lender.
Short sales have become so popular these days. There are several reasons why they are so prevalent right now. In some instances homeowners with adjustable-rate loans can't make the payments when their interest rates rise; others fall behind because of job loss, others because of a divorce or sickness.
A lot of homeowners have seen their homes values drop and when they want to refinance. .
The surprise hits them square in the face. .
Their home can not be refinanced because the appraisal for the refi is below what you need to refinance the entire loan
Why are banks increasingly willing to embrace short sales as an alternative to foreclosure?
Simple: Because they lose LESS MONEY! CHEAPER!
So, if you are procrastinating, not knowing what to do?
And you are tired living with the uncertainty if you have a place to live tomorrow. . 
Take control of your financial life. .and consult with an experienced Short Sales Specialist to take your next step
Fernando Herboso is a Short Sale Specialist in Maryland DC and Virginia 
Expert in  Bank of America, Wells Fargo and Chase Short Sales.
call: 240-426-5754 for MD, DC & VA
short sales hardships maryland realtor
Fernando Herboso has listed over 160 short sales, trained dozens of agents "how to do short sales "and has authored the following books about short sales
Author of the eBOOK "Is A Short Sale An Option For Me?
Author of the eBOOK "AdiosLender.com"
Author of the eBOOK " 10 Secrets To Loan Modifications"
Author of the eBOOK " Avoid Foreclosure Hell"
Author of the Ebook " 31 Reasons To DO A SHORT SALE"
Maryland Principal Broker : Fernando Herboso direct # 240-426-5754
My  Best Short Sales Testimonial Ever 




Herboso & Associates LLC | 301-246-0001 
Maryland | DC | Virginia  
www.Short-Sales-Expert.com 
www.ReallyNiceHomes.com

Sunday, July 8, 2012

If your mortgage is underwater. . Do you qualify for a principal reduction?


If your mortgage is underwater. . 
Do you  qualify for a principal reduction?
First of all . .if your loan is owned  FreddieMac or FannieMAe. .THE ANSWER IS NO!~
You can find out if your loan is with either of these lenders by looking up your loan at www.fanniemae.com/loanlookup or www.freddiemac.com/mymortgage
If you are still in. .
then
This is your first step. . 
Just reach out to your bank to find out if you may be eligible. The only banks that are participants of this settlement are below with their phone numbers. . if your lender is not listed there. .you do not qualify. If your home was foreclosed by any of these banks during 2008 and 2011, call them to claim your $2000.00
Ally/GMAC:           800-766-4622


 Bank of America:    877-488-7814


Citigroup:              866-272-4749

JPMorgan Chase:   866-372-6901

 Wells Fargo:           800-288-3212

What if my house is already listed as a short sale, and I'm in the middle of negotiations with my lender right now?
If you already missed one mortgage payment, you do not qualify for this Government Mortgage Settlement and my advice is to continue on with your plans.
If you have NOT missed your mortgage payments and you are seeking for a short sale relief. .you may consider calling your lender to the numbers listed above and ask them specifically. .do you qualify?
Be prepared to wait some time for this.
The Worst Thing You Can Do Is Wait !
Take Action Today!
Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!

www.SHORT-SALES-EXPERT.com





Tuesday, May 29, 2012

No deficiency short sales performed in Maryland


Negotiating Deficiency is The Key when attempting a  SHORT SALE   

With a SHORT SALE the lender has three option to collect the deficiency of the loan


#1  The Lender could file a deficiency  judgement after the short sale has closed 

#2  The Lender may ask for an unsecured promissory note for the deficiency 

#3  The Lender may agree to cancel and FORGIVE the entire DEFICIENCY From the loan

The person you hire to negotiate  on your behalf must have the experience to get the best results for you. . .
We are SHORT SALES SPECIALISTS in Maryland

See COMPELLING VIDEO how we got the lender to forgive the deficiency  100% for our client . .but we got her also an additional $23,000!!!

CHECK IT HERE 

Ready? :  Http://www.Short-Sales-Expert.com 240-426-5754