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These times are definitely exposing the greedy from the helpful. Short sales can be done ethically or unethically, and its crucial that homeowners and realtors screen the parties they get involved with carefully. Legal and ethical short sales are done with complete transparency and full disclosure to all parties; the bank, the homeowner, the realtors. This is created through the right documentation and information provided to the right parties at the right time. If someone does not know what theyre doing, they can possibly create enough chaos to lead the property straight to foreclosure.

Many realtors are not trained well enough in short sales to prevent a foreclosure, but many homeowners are going to them believing that they are the most ethical and protective of their homes. The National Association of Realtors reports that only 10-15% of short sales that realtors are negotiating prevent a foreclosure. The other 85-90% are being foreclosed on. You have to realize that realtors are in the business of finding Buyers and Sellers of homes, not in the buiness of negotiating and processing short sales with lenders. Short sale negotiating is a very specific skill set and constant training and updated legal documents insure a higher chance to avoid a foreclosure.

Trilogy Property Solutions prides themselves on their integrity, ethics, and compassion for what homeowners are going through. If you would like more information on how we can possibly find solutions for you, please call us anytime. (888) 803-0505 or email: ShortSaleCrystal@gmail.com

Duration : 0:1:51

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Part 7 – Were in the studio today with Kalyn Roberts and Jeri League of the Dreamvesting Group, these two young ladies are experts in the short sale area, they are NOT going to tell you what you want to hear, they are going to tell you what you need to hear. There is a big difference between what you want and what you need in the case of getting out of a situation. We talked during the break about the different types of people; who qualifies, who doesn’t qualify, who this is good for, and who its not good for. I want you to talk about people who are upside down and how you’re here to help.

What we want to get across today if you just need to call someone if you’re upside down in your mortgage, if you have a listing next door and its a bank owned or short sale, there is a good chance you’re probably upside down in you mortgage if you bought anytime in the last, in the last 5 years were almost back to 2003 pricing now.

Just to jump in real quick, Jeri and Kalyn its not just the people who purchased, its the people who used their homes as ATMs which is a crude way for me to say it but lets be honest. You watch the television, and I am not going to name any names, but a company that rhymes with lie-tech though, they have a commercial where they are showing pictures of using your home to buy a big boat and everybody got sucked into that and now here were.

Yes, if you used your second mortgage to build that big beautiful pool in your backyard, maybe you need to call us. Yes, its unfortunate, we always tell everyone like you just said, everybody got sucked into it, it doesn’t mean you’re stupid, it doesn’t mean you necessarily made a really bad decision. Most people got caught up in the real estate market and good marketing ploys like that, and the bottom line is as we said earlier you dont have to be late on your mortgage payment, you don’t have to be facing a foreclosure, if you’re simply upside down because you refinanced your home or purchased too recently and the house next door is selling for $100,000 less than yours and you just need to get out of a bad financial situation, you’re a candidate for a short sale or even a loan modification.

One of the things about loan modifications that I hear all the time is, and I research other loan modification companies, and what I hear is they are telling people things that just aren’t real. For instance if your owe $400,000 and your house is worth $300,000 and you want your lender to forgive $100,000 on a loan modification, chances are that isnt going to happen, whereas with a short sale, when youre exiting the property because it just isnt going to work, they would in most cases consider doing that.

Absolutely if that is the market value of your home they are going to consider the bottom line, the banks dont want these properties back, it costs them so much money to go through a foreclosure process and as our prices are falling, monthly, weekly, daily, the likelihood of the value of the property being extremely lower by the time they get the property back is 100%.

In addition to the $60,000 in foreclosure cost, paying real estate commissions and a few other fees is significantly better, because the loss is going to be significantly less with a short sale. Heres a question and I hope that I am not putting either of you on the spot, but suppose the guy owes $400,000 on his house, lets just say its worth $300,000 and you get the listing and this guy is out at a cocktail party and his cousin shows up and says, Ill buy the house from you. Ill buy the house from you, we will make the bank pay the difference and Ill just let you stay in the house. Is that a realistic situation, is someone going to find out about it? Is it good to do that or not?

In real estate, real estate purchases and transactions have to be non-arms length. Now arms length is described as your parents and your children, other than that we pretty much stay out of it because theoretically, yes that could happen, however the banks want to see that the homeowner is not benefiting, so the homeowner would have to become a tenant and be paying rent to new owner at that point. So there are many legitimate situations where you could meet someone who would buy the home and allow you to stay in the home… http://realestatemarketingthisweek.com

Duration : 0:5:53

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Upside down on your mortgage? You have company, estimates are that between 50 to 75% of our community is upside down. This is a serious situation that is only getting worse.

Don’t giving up! Don’t move out, Don’t just ignore the situation, we can get through this. As bad as it may seem today, someday this will all be behind us! You and your family will Prevail.

my name is Jeff Cameron with Keller Williams here in Scottsdale, helping home owners across the valley. Unfortunately, I have been there. I have had a personal short sale, foreclosure and that led to bankruptcy. I know what you are feeling.

As dramatic as these experiences were on me and my family, I believe they happened for a reason. For me to grow from what happened, so I can help others through it.

This experience, along with a strong support team and my 15 years in real estate is why I am qualified to assist you on your journey!

Most people I talk to just don’t know what to do, they call their bank and can’t get a real answer. That is why I have put together this series of videos, to help you with the important information you need.

So where to begin? This video focuses on the steps You should take in determining what is best for YOU and YOUR family.

Step 1
1. Can I save my home? This should be the first priority. There are several options such as: Reinstatement, Forbearance, loan modification, Refinance and Short Refinance. It is very important you follow through with this step first and decide what is best for You and Your family. Answer the question “is it possible to save my home.” Our video Before Foreclosure or Short Sale – Step 1 on Save My Home will walk you through this step in greater detail.
Most people watching this can’t save their home. This is why we have focused more information on the next steps.

Step 2
2. If I can’t save my home, am I protected? I mean protected from the bank and the IRS. We work with attorneys that will review your situation. They will help you get answers to these legal questions. Is your mortgage a purchase money mortgage? Can the bank come after you for recourse or do you have a Non Recourse loan?
What about the IRS? Talk with a CPA. One that is familiar with this subject.
Do you qualify for The Mortgage Forgiveness Debt Relief Act of 2007.
The answers to these questions will help you decide the next step. Is it better to do FC or BK? What about the new HAFA program, Home Affordable Foreclosure Alternative, do you qualify? Can this remove the recourse of the bank? These are all important questions you need answers to. We can help you. Our video on Am I protected will go into more detail on these subjects.
Remember- even if you are exposed, FC and BK may not be your best answer.

Step 3
3. If you can’t save your home and you are not doing a Foreclosure or Bankruptcy the next logical step is to save your credit? For many people, Short Sale is the fastest and easiest way to start over. First, many people stay in their home, make no payments, and begin to get caught up. Through short sale we help sell your home, save your credit and get YOU on path to start over. We work to get your home sold quickly and then have the legal arm take over to negotiate with the bank. We use a law firm to negotiate our short sales. They deal with hundreds of banks and know the back doors into the bank and how to get things done. I always ask this question, how could I negotiate with a bank, constantly call and be there when we contact is made when being a Realtor is a full time job.

Step 4
4. Time to clean up your credit? Start Over. This at first can be very difficult with poor credit. Now is the time to live within a Budget you can afford. Pay everything On-Time.
Hire a legitimate Credit Cleaning company. We work with a company that has been very successful for some in removing all those negative marks on your credit. Be proactive, don’t just wait until you need your credit. Give it your all and do what you can to get it scrubbed today! Check our site for video interviews with our credit scrubbers!

Duration : 0:5:54

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