Integrity...Knowledge...Success!

Shortsale = 7 Years to Buy Again??? Ha!

Fri, 24 Dec 2010 14:08:18 GMT

Recently there was an article that apparantly appeared in various publications stating that a ShortSale, Deed in Lieu and Preforeclosures Sales would all be treated by Fannie Mae, the nation's largest provider of mortgage funds, as a foreclosure, thus ensuring the 'offending' party would not be able to purchase a home for 7 years!

So, in doing my little part to correct his misinformation I am posting below, a snipit from Fannie Mae's website showing the facts are completely different.

Why is this important?

In San Joaquin County, greater than 1 in 5 homes are in trouble! Shortsale is one, frequently the BEST, solution to that owners challenge. And the reality is after some 'time' has passed, that SAME OFFENDING party can reenter the home buying market, at prices that currently are from the last century, and with some proper guidance, (please please please see me on that subject!) they will have the stability and hope that all Americans look for with their home. A second chance, a new beginning, a Genesis! (that was my shameful plug :) )

So... what did Fannie Mae say?

Fannie Mae’s most recent bulletin states that Deeds-in-Lieu of Foreclosure, Preforeclosure Sales, and Short Sales all have waiting periods as follows:

2 years – 80% maximum LTV ratios
4 years – 90% maximum LTV ratios
7 years – LTV ratios per the Eligibility Matrix (https://www.efanniemae.com/sf/refmaterials/eligibility/)
(Extenuating Circumstances): 2 years – 90% maximum LTV ratios

This bulletin was released in June 2010, and Fannie Mae has confirmed with us today that this is the most recent bulletin.

The subject of should you or should you not enter into a shortsale is quite emotional. Here at Genesis, we understand and always remember... we are talking about your 'home' not a house.

I thought this might be a bit of good news as we enter the final days before Christmas. Hope so.

And hope is also that your Christmas will be blessed, full of wonderful memories, those new and old. The future is a choice... choose to enter it without the negative baggage of the past, and all the hope for the new!

Merry Christmas!

Darrell

YES!!! Fannie & Freddie HAFA Programs

Fri, 04 Jun 2010 22:21:46 GMT

Worth the Wait!

Now we are getting somewhere. Forgive me if I step on some toes, but even a high ranking official of the Treasury publically admitted, "We blew it, and started at the wrong end." However, a few trillion dollars later, the Feds actually placed it's incredible weight (pun intended) behind something that actually helps the man on the street!

As reported June 2nd, 2010 in Distressed Property Institute by cdpe :

"Fannie Mae and Freddie Mac just announced the introduction of their own HAFA programs. They’re both scheduled to be implemented by August 1, 2010, and the programs are very similar to HAFA in that they simplify and streamline the use of short sales and deed-in-lieu (DIL) options and use similar forms and timelines. In addition, like HAFA, the program expires December 31, 2012. However, some of the major differences offered by the new Fannie Mae and Freddie Mac HAFA programs include, but are not limited to:

- Both institutions will pay the servicer a $2,200 incentive fee for successful short sales
- Both institutions will pay the servicer a $1,500 incentive fee for all successful DILs
- The Deed for Lease (D4L) is available for borrowers who request and are approved to remain in the property following a successful DIL.

AND, there is no charge to the Seller but all costs will be borne by the institution!

Specific details on these programs can be found by visiting the following links: eFannieMae.com and Freddie Mac Bulletin".

There are so many benefits built into this program that I encourage you to set up a no obligation meeting. And, pass this Blog on to your friends and family members who may themselves be facing these difficult times without knowing there ARE OPTIONS!

They may be late to the dance, so what's a few trillion between friends, but I for one am glad to see that we can SAVE FAMILIES FROM FORECLOSURE!

HAFA and its Detractors

Tue, 13 Apr 2010 20:06:59 GMT

HAFA and its Detractors

Last week, HousingWire reported that—in the opinion of several vice presidents of major lending institutions—HAFA was fundamentally flawed because it requires borrowers to fail a HAMP Trial Period Plan before they can even be considered for HAFA. Bryan Bolton, senior VP of loss mitigation in the mortgage department over at Citigroup despaired, saying: “I think HAFA is nothing but a lot of press at the end of the day.” He also said that he thought that the program would be hampered (our pun) by the requirement that homeowners use a real estate professional to help them through the HAFA process. The average homeowner simply wouldn’t do it, he said.

If what he’s saying is true, then it’s a good thing we’ve been promoting HAFA education. The system is open for agents to contact homeowners—and that’s how CDPEs work. And with 10,000 people on our HAFA Decoded broadcast, we’re among the foremost HAFA educators in the industry.

Also in the same article, Robert Hunter, vice president of Amherst Securities, missed the point by stating that HAFA doesn’t work because it isn’t a solution that keeps people in their homes. True, if you go through the HAFA process, you will not be able to keep your home. However, if you go through the HAFA process, it’s because your other option was foreclosure—a fate much, much worse than being able to transition on to another living situation with $3,000 in your pocket and your credit score still standing.

We’re here to keep you educated, informed, and most of all, effective in this changing market.

Mortgage Fraud?

Mon, 22 Mar 2010 15:36:36 GMT

I wanted to give you a heads up on something I think every single homeowner should be aware of. The FBI and U.S. Attorney General Eric Holder have reported a 400 percent increase in mortgage fraud cases from five years ago. Seems to be that with more homeowners unable to make mortgage payments, there are more and more predators trying to exploit these people.

I don't want to be unnecessarily alarmist. But this is a threat that you or anyone you know should be aware of when going through a real estate transaction. It's not the nicest thing to think about, but essential nonetheless.

For anyone you know who is considering a relocation, mortgage modification, short sale or any other transaction, I put together a free report available on my website that explains what kinds of fraud schemes the FBI has seen, as well as the "red flags" to look out for. You can download it here:

http://www.homerescue209.com/

If you have any questions about mortgage scams, or if anyone you know needs legitimate, professional help with avoiding foreclosure, please don't hesitate to contact me. I am here to help.

SUCCESS!

DARRELL R. ISAACS, CRB CRS CDPE

Today… I Remember a Sad Day

Sat, 20 Mar 2010 00:32:01 GMT

As many of you know, the past 4 years my personal marketing emphasis has been serving the REO and ShortSale markets. I have encouraged Sellers not needing to sell, and those having no plan on what to do should they sell, to sit on the sidelines and wait for the market to stabilize. During this time, we have also helped numerous families finally find a home they could love, feel safe in AND afford.

But there was something that happened today that made me want to shake it up a little. You may remember that I am always loved being a resource to you, but have I done enough for my clients to provide access to me and information that might help them turn a decision into a good decision?

One of my bank clients sent me an order to confirm occupancy on a home that just had completed the foreclosure process and was now becoming REO. The address sounded very familiar, and I verified with my past client file to find that sure enough I had sold this home to a wonderful couple at the beginning of the new millennium. I have kept in touch with mailings, and whenever possible we would communicate by phone or in person on a Pop By. Now they lost their home, and I never was aware of the difficulty they were in.

The reasons do not matter, whether they were caught up in the Refi for better rates, using the home for an ATM machine, or needing their equity for real emergencies, something had gone wrong and they couldn’t keep on going. With this being so visible and close to home for me, I couldn’t just let this go without offering some insight and possibly some hope.

What caused this to end this way was embarrassment. It was too embarrassing to this couple to let anyone know until it was too late. Now added to that is guilt, what if, why, and a variety of other soul robbing questions. Let me help.

1^st, if this is where you find yourself, or your family and friends, STOP, call, let’s meet and consider your options.

2^nd, if you are in the rat race of refi, refi refi,.. STOP! The only one who wins is the lender, not you.

However, having said all that, this is not the end of the world. Someday, if someone is interested, I will tell Donna’s and my story of what we went through in the 1980’s that nearly cost us our home, business and credit but at the end changed our lives. Suffice it to say, ‘been there, done that, bought the whole T-shirt collection’. In other words I know exactly what I am speaking of.

So to this couple and to any others you may know, get up, get in, and let’s get a plan to rebuild. It took time to lose it, it will take time to regain it, but we will regain if we create a plan that works specifically for you.

But what could we have done differently had someone let me into their private financial affairs?

One thing I believe every one of the more than 5000 clients I have personally served would attest I gave them my best: advice, support, knowledge, and fought for them. I would not have allowed this to happen without an all out assault to provide alternatives. And there are some. And in 75%+ of times, they work and stop the foreclosure losses!

We have all heard the terms Loss Mitigation. This was always available for the seller to attempt to work with the lender to resolve the debt in some other fashion, i.e., rewrite the terms, recast the loan, put off the payments and add to the end of the loan, and other techniques. While not wildly successful, it is a first step to other alternatives.

Then there is the granddaddy of all solutions, the Short Sale. While industry averages of success are around 47%, with our system, our team was able to maintain over 90% success rate in 2009. As you will remember, I LOVE SYSTEMS THAT WORK, in fact, my whole 35 year career has been based on creating and improving systems that create success for my clients.

Short Sales, in brief, allow for negotiation with the Lender(s) to accept as Payment in Full the current market price for your home. There may be more detailed explanations out there, but the best summary is the bank takes what the home can now bring, as payment in full. And the cost to the seller for commissions, etc., ZERO. They are included in the loan payoff so there is no out of pocket expense for the fees.

What does this do for you?

Allows you:

1- To leave the home with dignity once it is sold, you fully participate in the selling process just as you would if you were a seller with equity in their home.

2- There is no strange signage to create embarrassment, no markings on the home targeting you as a troubled owner.

3- Reduces the negative credit rating received if the home goes thru foreclosure

4- Returns you to the market as a buyer in much less time (80% faster!)

5- Did I mention dignity?

Had this young couple been able to face the embarrassment of speaking with me about their issues, I believe we would have had a 90%+ chance of granting them a gracious dignified exit while placing them on the road to ownership in short order. Ownership that I know would have been handled differently. Isn’t there an old saying that goes “wisdom is knowledge gained by experience”? Their ‘case’ was poster perfect of what a lender looks for to see if someone qualifies for such a strong solution. One similar transaction we just closed on had the 1^st and 2^nd trust deeds in excess of $394,000 with our final sales price ending up at $157,000 and the banks accepted that as payment in full.

So why am I writing to you? 1 in 8 families in America are behind in their mortgage payments. In Stockton the numbers are nearer 1-6. That means you may know someone who could benefit from a no obligation counseling meeting.

How can you help? Here are a few suggestions:

1- Have them visit www.209-411.com as a starter

2- They can then visit my blog on www.darrellisaacs.com and get to know me a bit.

3- Let them know my CORE values of work, to serve the client, answer the questions and educate without obligation so as to build trust and how it helped you through the decision process that you went through.

4- Encourage them to visit with me for 30-60min to ask me any question about the process. Again, no obligation.

5- Request some printed materials I can forward to you or your friends/family to start the conversation.

I really believe we are at a crisis in real estate and that there are few who can lead families out of this mess. I am committed to aggressively doing everything within my power, using the knowledge and life experiences of 35 years in business and more than 5000 home sales, to ensure your family and friends have the best chance.

Oh yeah, the young couple. We are currently looking for an investor who will purchase in today’s market, enter into a qualified Lease Option that will benefit both parties fairly. Total Win-Win. Interested? J

If I can be of service, please do not hesitate to call or email.

SUCCESS!

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:41 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

DARRELL R. ISAACS, CRB CRS CDPE
209-957-2929

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

DARRELL ISAACS 2099572929

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

DARRELL ISAACS
2099572929

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.