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 22, 2012

Gaithersburg Kentlands Real Estate


New Email
Gaithersburg Kentlands Homes For Sale 

Search Homes Our Selling Fees Foreclosures Short Sales 

The  Kentlands in Gaithersburg MD 
Is this the best place to live in Montgomery County?

With so many Maryland real estate options to choose from, you need a truly experienced and professional agent to help you make the best real estate decisions.  You've come to the right place.  I'm the local expert and I'm ready to put my experience to work for you. 
One of  the hottest growing areas in Maryland today is the Kentlands in the city of Gaithersburg 
Check the video for sample of a ReallyNiceHome in the Kentklands today.
You've come to the right place to find your dream home in Maryland. . Whether you're looking for an estate, an executive home, a luxury condo, a retirement community, or a historic home in Montgomery and Frederick Counties. . We can help you.
Just give us a call. . 
Fernando Herboso Carlos Herboso | Stephanie Reilly | Hilda Rocha | Susan Cadima | Gale James 
               240-426-5754       240-671-5542    301-704-1616                                                       703-928-8111
Maryland Principal Broker : Fernando Herboso
 Virginia & DC Broker : Gale L. James |Relocation Express|



Herboso & Associates LLC | 301-246-0001 
Maryland | DC | Virginia  

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





Monday, July 16, 2012

What a Million Dollars Will Buy You in Maryland DC or Virginia


What a Million Dollars Buy in Maryland Luxury Real Estate

Luxury Homes

            Maryland DC or Virginia


Let us be your  gateway to a all the luxury home sin our area. There is a diverse population in our area and we have very unique renowned luxury homes.
We showcase the finest luxury real estate for sale in MD DC and VA
Indulge yourself in our luxury home listings and get the answer to the question. .

What a Million  Dollars Will Buy You

in Maryland DC or Virginia

SAMPLES ANYONE? 


Take a Peek to Maryland Million Dollar Homes

Homes For Sale
We showcase the finest luxury real estate for sale in MD DC and VA
Indulge yourself in our luxury home listings and get the answer to the question. .

What a Million  Dollars Will Buy You

in Maryland DC or Virginia


Saturday, July 14, 2012

Ten Secrets To Buy a Foreclosure in Montgomery County Maryland FREE LIST


 Ten Secrets To Buy Foreclosures in Maryland

 Purchasing foreclosed homes or pre-foreclosure properties can be a great experience if you give enough time to educate yourself on the complexities of buying foreclosure homes or properties.
Start by reading these TEN SECRETS "How To Buy Foreclosures in Montgomery County MD"

Thursday, July 12, 2012

Clarksburg Real Estate Homes Condos For Sale 20871




A Sample Of Homes in Clarksburg Now. . . . . 

                        GREAT HOUSE


An outstanding country estate on 49 acres located in Montgomery County's sought after Agricultural Reserve. Southern style manor home w/ expansive entertaining rooms, gourmet kitchen w/ granite counters, first floor master bedroom suite plus second level master suite. Formal gardens, landscaping, horse stable & ring. Less than an hour from D.C. Ideal for the buyer looking for peace and serenity.

                  PERFECT HOUSE


Don't miss GORGEOUS rarely available Craftmark Kenwood II Colonial with all the bells & whistles. From the two story great room with gas fireplace & wall of windows to the Gourmet Kitchen with breakfast bar & stainless steel appliances this homes open floor plan allows for formal entertaining or casual living. Five bedroom suites & lower level walk-out. Enjoy your visit.


                  FABULOUS HOUSE


Short Sale;LRG CUSTOM KITCHEN, CERAMIC TILE BATHS, HARDWOOD FLRS ON MAIN LEVEL,WALK-OUT SEPARATE ENTRANCE, SOLD AS IS, BUT EXCELLENT CONDITION. commit ion split 50/50. Seller prefers to use Nexus Title for closing.



www.reallynicehomes.com




23105 TURTLE ROCK TERRACE, Clarksburg MD 20871
$459,975

23105 TURTLE ROCK TERRACE, Clarksburg

Don't miss this incredible home with all of it's upgrades! Start on the main lvl with wide plank hrdwd flrs, extra deep kitch sink w/upgraded faucet, SS appl, granite cou...
  • Beds 3
  • Baths 4.0
  • MLS MC7882699
12843 MURPHY GROVE TERRACE, Clarksburg MD 20871
$365,000

12843 MURPHY GROVE TERRACE, Clarksburg

Gorgeous home that has been upgraded. Wide plank hardwood floors on 2nd floor. Newly painted in many areas. New carpet on bedroom level. Good size kitchen w/ dining are...



Herboso & Associates LLC

13106 Commodore Ln
Clarksburg, MD 20871

301-246-0001