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1. You pay no out of pocket expenses. Your short sale transaction will be an as-is sale, meaning you won't have to bother spending time and money on tedious home repairs. Your lender also pays for all commissions and services on both sides of the transaction, giving you the least hassle possible in moving on to your next home.
2. Your credit damage is minimized. A short sale will have a recoverable impact on one’s credit, compared to the devastating effect of 250-350 points a foreclosure has on a credit score.
3. You can buy another home in just three years. Homeowners who choose to short sale only have wait three years before buying a new home. Foreclosure prevents you from owning a home for up to 7 years under new lending guidelines.
4. You may qualify for relocation assistance. Yes, that's right, you might be able to get cash when you short sell your home. Lenders are offering anywhere from $3000 to $20,000 in relocation assistance at the moment.
5. You have an assured sense of relief. Short sales in lieu of loan modifications give homeowners a firm new start. The Department of the Treasury just released a study revealing that 55% of homeowners re-default again within six months of receiving a loan modification.
6. You save money and pay less taxes. The Mortgage Forgiveness Debt Relief Act of 2007 allows short sale homeowners to avoid taxation. In the past you would receive a 1099 and owe taxes on the deficiency balance.
7. You have a dignified solution to a difficult problem. A short sale allows you to stay in your home during the negotiation period. A foreclosure can become an embarrassing situation as a bank representative comes by to lock up the doors and windows, change the locks, and put up "bank owned" signs on your property while the local Sheriff is contacted to have you forcibly evicted.
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Get Help Now - FREE Phone Consultation Request
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Want more information on how a short sale can help you? I offer FREE phone consultations. Complete and submit the following Online form. I would be happy to discuss your situation and see how I can help you. All information you provide is secure and will be kept strictly confidential.
I look forward to helping with you. You can also call me at 772-285-7611
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NOTICE:
THE MORTGAGE DEBT RELIEF ACT EXPIRES IN 2012
If you are in foreclosure you need to act now.
Call Lisa to find out how to qualify for relocation assistance.
HIGHLIGHTS OF THE PROGRAM
PRE-APPROVED SHORT SALE TERMS BEFORE LISTING YOUR PROPERTY
COMPLETE FORGIVENESS OF YOUR DEBT WITH A FULL RELEASE**
UP TO $3000 IN RELOCATION ASSISTANCE MONEY IF YOU LIVE IN THE PROPERTY
SPECIAL BANK PROGRAMs
Bank of America, Chase, Wells Fargo and many other are offering up to $20,000 to select Florida homeowners willing to agree to a short sale instead of entering foreclosure.
To sweeten the deal further, the nation's largest lender will consider waiving the deficiency on the loan, which allows homeowners to sell the house for less then they owe without having to make up the difference to the bank. It can save homeowners thousands of dollars.
Not every customer in Florida will be eligible for the program, which pays a minimum cash incentive of $5,000. It's targeted toward homeowners who cannot afford their mortgages.
Call Call Lisa to make application for this program and if your not a B of A customer, Chase and Wells Fargo have similar programs. Many lenders are getting on board.
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If you’re in need of a short sale, you’re in good hands. As a former mortgage executive with a comprehensive understanding of lender requirements, Lisa is your ultimate partner in the short sale process. With the right expertise, approach, and contacts on your side, you can trust that your short sale will be a priority with your lender, in addition to having your case handled quickly and efficiently.
Don’t leave your short sale to chance with someone who has little proven experience with lender negotiations or a less than stellar success record. The last thing you need is more uncertainty regarding your homeownership future. Lisa understands what’s at stake, and believes you deserve only the best negotiator representing your interests to get results you want.
** A short sale payoff of the mortgage may have tax consequences. You are advised to contact a tax professional to determine the extent of tax liability, if any.
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Illustrated Properties and Lisa Ammons does not work for the government. We are independent contractors in the real estate business. If you accept this offer & use our short sale service, your lender may not agree to change your loan.
If you stop paying your mortgage, you could lose your home & damage your credit rating.
Lisa Ammons is a leading foreclosure prevention specialist in the Treasure Coast. Foreclosure prevention services provided in Florida for the following cities; Stuart, Port St Lucie, Hobe Sound, Sewalls Point, St. Lucie West, Port Salerno, Palm City, Ft Pierce, Jensen Beach, Hutchenson Island and Jupiter.
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