Showing posts with label short sales expert. Show all posts
Showing posts with label short sales expert. 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!




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Short Sales Expert MD

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

240-426-5754




One of best  testimonials ever. .watch it!

     
     



Friday, July 20, 2012

Should I have to pay taxes when I do a short sale in Maryland ?


Taxes short sale

Should I have to pay taxes when I do a short sale?

 When you sell a  principal residence as a short sale, the entire gain may be federal-income-tax-free thanks to a convenient IRS gain exclusion . . . see this short video for more information 
Call Fernando Herboso @ 240-426-5754 if you even considering a short sale on your upside down mortgage. . preparation by an expert could be the difference bettwen success and failure
Fernando Herboso
Short Sales Broker for MD, DC and VA


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

Wednesday, July 18, 2012

Lost Your Job in Bechtel Corporation in Frederick?


Lost Your Job in Bechtel Corporation in Frederick?

LAYOFFS 

Bechtel Corp, one of the largest employer in Frederick County, has recently laid off more employees.
This is probably an strategic move since its decision to relocate its corporate headquarters to Fairfax Virginia.

What if you are a homeowner in Frederick County and you were one of the affected employees from Bechtel?

How are you going to pay your mortgage?

As a real estate Broker handling short sales for underwater homeowners in Frederick County. .. I found lately that more and more ex-employees form Bechtel Corp are needing help with their mortgage payments.

My advise if you are one of the employees affected. .

Check with your mortgage company and, if you have mortgage insurance with your loan, request coverage assistance


If you are sure that is apparent that you won't be able to meet even the mortgage payment within a month or two.. .you need to take drastic actions

Call you lender and explain the job loss and put this problem in their laps. Banks know that most mortgages are underwater and they are most likely to help you while you are looking for a job. In most cases they
will often work with you if you call them immediately after being laid off if you can’t make your payments -- or even before you miss even one payment.
 Be honest and straightforward with them. . telling them that you’ve lost your job and you are searching for another job. At this time you should ask for a reduced or suspended payments for a period of time. Preserve any little savings you have in case you do not find a job for several months.

You heard the expression FOOD and SHELTER?

"You worry about the food part. . and in the beginning let the lender worry about the shelter part"

If you can't find a job promptly, you may have to consider at this time to unload the liability of an underwater property. Not a good place to be in when you are not making any money.

READ THE REST HERE


Fernando Herboso 240-426-5754

www.Short-Sales-Expert.com



Short Sales Question and Answers for  Maryland, DC and Virginia 240-426-5754



Fernando Herboso 240-426-5754

www.Short-Sales-Expert.com


More information for Frederick Realtor for Short Sales