Are you facing foreclosure? You may have options you have not considered.
Atlanta, Decatur and Tucker Families are facing unprecedented hardships in today’s economy and many families need foreclosure help. Breadwinners have lost jobs, healthcare bills have emptied family bank accounts and unexpected mortgage payment increases have made it impossible for some families to make their monthly mortgage payment. At the same time the value of many homes has dropped to a price below what is owed on their mortgage loan.
If your family is facing any of these situations, you do have options – we can offer foreclosure help.
There are steps you can take to avoid foreclosure. But you have to take action. Foreclosure has long term effects on your credit rating and on your emotions. Others may have told you there are no alternatives. It is important to know you may have a way out of foreclosure.
Lenders are now considering “Short Sales” for sellers who can demonstrate hardship. This term, “Short Sale” may be new to you even of you heard it mentioned on the news on read about it in a newspaper.
Cutting right to the point, a short sale means your lender may agree to allow you to market your home at a value that is less than what you owe on the mortgage. At closing the lender agrees to accept a payoff on your mortgage loan that is less than the loan balance you presently owe. The payoff is “short” of a full payment. Your lender has to agree to accept the “short” amount as full payment of your home loan for this to work. This “Short Sale” mechanism gives many homeowners an opportunity to sell their home BEFORE a foreclosure occurs.
A short sale is a complex and time consuming real estate transaction. Many real estate agents and attorneys will not be familiar with the mechanics of a short sale transaction. Fortunately, there is an educational and training organization that provides the knowledge and experience necessary to negotiate the approval of these transactions with a lender. We offer foreclosure help through The Certified Distressed Property Expert designation.
“A Certified Distressed Property Expert® is a real estate professional with specific understanding of the complex issues confronting the real estate industry, and the foreclosure avoidance options available to homeowners. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today’s market, specifically short sales”
If you are ready to take the first step forward in avoiding foreclosure of your Atlanta, Decatur or Tucker Georgia home, I am ready to help. I promise to give you honest answers to your questions about foreclosure, short sales and loan modifications by lenders. You will know how each option affects your credit score and what opportunities you will have for home ownership in the future. I am all about helping Atlanta families in foreclosure.
I have walked in your shoes. As a residential custom homebuilder I faced the anxieties and stress of having mortgage payments due that I could not pay on time. The stress permeates every aspect of your life. You will find a great burden lifted from your shoulders when you take care of this once in a lifetime intersection of a bad economy and bad timing.
If you would like to discuss the possibility of avoiding foreclosure of your Atlanta, Decatur or Tucker home through a short sale or loan modification, call me at 770-939-3174 and I will put my Certified Distressed Property Expert Designation to work for you. We have a track record of helping Atlanta families in foreclosure and we would like to do the same for you.
If you would prefer to contact us for more information about a short sale, just complete the form below.
We look forward to hearing from you and can offer real foreclosure help.