Avoid Foreclosure Find a Short Sales Specialist

Have you fallen behind on your mortgage payments? Is your lender calling you and threatening to foreclose? If you want to hold on to your home, the best way to stop home foreclosure is to negotiate a modification of loan, also known as a loan modification agreement, with your lender.

There are now several programs available that will do a modification of loan. Did you ever wonder if you might be able to get a mortgage rate modification? Thousands of homeowners have learned that a modification of their home loan is the most feasible remedy for a mortgage that is in default. So, let's take a look at some possible scenarios whereby you could qualify for a modification of loan.

You were laid off from your job or suffered some other monetary emergency.

As much as we try, we simply cannot control all the things that happen in our lives. Perhaps you got laid off from your job. Maybe there was an illness or death in your family. It cost money to deal with it, but it also caused you to lose time from your job. Car accidents. Injuries. Unplanned events. The depressed economy reduced your income. These are all legitimate reasons for getting behind on a mortgage that you were otherwise able to afford. Setbacks similar to these are usually accepted by lenders as justification for agreeing to a loan modification agreement.

The market value of your home has dropped precipitously.

The real estate market has been in sharp decline and home values are falling just about everywhere you look. It is an unfortunate fact that in many cases, a modification of loan may not be an option once you get upside down on your home loan (you owe more than the home is worth). People in this situation are typically better off doing a short sale. Whichever applies to you, it would be a wise investment of your time to discuss your situation with a short sale specialist. Even if you're not in a position to qualify for a modification of loan, they can help you to persuade your lender to approve of a short sale.

You have applied for a refinance but couldn't qualify.

So many homeowners with an adjustable rate mortgage have attempted to refinance. Unfortunately, most of these folks are getting turned down. With so many bank failures, funds for home loans have dried up to a large extent, making it extra tough to get new financing. Unfortunately, many homeowners who were turned down for new loans are not able to work out a modification of loan agreement with their lenders.

Those high mortgage payments are simply too much for you.

In this tough market, many homeowners, through no fault of their own, have watched as their income drop substantially and can no longer afford the home they once easily made payments on. You may be able to get a loan modification that makes your home more affordable. The alternatives could be either a short sale or a short refinance.

Are you facing a possible foreclosure and don't know where to turn for help? Call a short sale specialist to negotiate with your lender and protect your interests. Explore your options, then don't waste any time getting help. A short sale of loan can really help to put your life back on track. You CAN stop home foreclosure if you take appropriate action, quickly.

Need help finding a certified specialist.......let me Google one for you.

Sherry Chastain specializes in Short Sales and is a RDCPro, FARRV, REOTRANS Certified Specialist. Need help selling your home in Hendersonville, Gallatin, White House, Goodlettsville, Nashville or any other area in Middle Tn give Sherry Chastain at Keller Williams Realty a call.

Beautiful All Brick Home For Sale in Goodlettsville, TN 37072!

1108 Kimberly Drive

Goodlettsville, TN 37072

MLS #1141305

$279,900

3 Bedrooms, 2.5 Baths and 3141 Square Feet

Welcome to 1108 Kimberly Drive! This all brick home for sale in Goodlettsville, TN has been meticulously cared for by its owners. From the hardwood floors, vaulted ceilings and full finished basement to the manicured exterior with covered porch and recently stained deck, this home is exactly what you are looking for!

The large living room welcomes you with its custom columns, hardwood floors, custom Italian marble fireplace and surround sound!

High-end Cabinetry and New Upscale Appliances await you in this Gorgeous Eat-In Kitchen!

More of the Cabinets and the Stainless Steel Appliances that this Kitchen boasts!

Large Eat-In Area in the Kitchen; there is a Large Pantry upstairs currently being used as a Laundry - there are also Washer/Dryer Hookups Downstairs!

Formal Dining Room with Palladium Windows, Chair Rail, Hardwood Floors and Vaulted Ceiling. Currently Being Used as a Music Room.

Large Master Bedroom with Lighted Trey Ceiling, two Closets (one that is a Walk-In), Floor-to-Ceiling Windows, Ceiling Fan and En-Suite Master Bath!

More of the Master Bedroom

Great Master Bath features Two Separate Vanities, Separate Whirlpool Tub and Shower, Enclosed Toilet Room and Linen Closet!

More of this Large Master Bath...

Second Bedroom with Vaulted Ceiling, Ceiling Fan, Extra Large Closet and lots of Natural Lighting - currently being used as an Office.

Third bedroom with Ceiling Fan and Extra Large Closet - So Cute!

Full Bath Between Bedroom 2 and Bedroom 3 has a Linen Closet and Tiled Floor!

Recently Finished Basement with Hardwood Laminate Flooring, Gas Fireplace, Half Bath, Storage Space, Tornado Shelter and Double French Doors Leading to Covered Aggregate Porch with Porch Swing! All Renovation was Approved by Goodlettsville Codes.

Large Half Bath in Finished Basement!

The back of the house shows the two car garage, playground equipment, aggregate driveway, basketball goal, large deck and covered porch! A great place to call home!

More photos of this Goodlettsville TN home for sale!

For more information on this fantastic listing or to view this Goodlettsville TN home for sale, please call Emily Lowe at 615.509.1753

______________________________________________________________________________________

If you are interested in selling or finding a home in Green Hills, Downtown, 12th South, or Oak Hill area of Nashville, or would like to look at other real estate for sale in the Middle Tennessee area, please search the MLS HERE. Please note: You will have to register with my site to be able to search the MLS. I will contact you initially and all requests thereafter for privacy will be respected.

Looking to move? Wanting to Invest? Need help as a First Time Buyer? Please feel free to call me, Emily Lowe (yes, I'm a Realtor, with The Lipman Group Sotheby's International Realty) at 615.509.1753

Cambridge Farms still hold it's numbers. Looking for a great place to raise your family, a convienent place to live, and one of the most popular neighborhoods in Gallatin. Cambridge Farms is not only a great place to live the homes continue to hold the value.

Active 19 Properties Found
	Square Feet	Bedrooms	Full Baths	Half Baths	List Price	Sales Price	Days on Market
MIN	1,738	3	2	0	$168,900	$0	2
AVG	2,418	3.21	2.11	0.47	$205,003	$0	105
MEDIAN	2,462	3	2	1	$199,900	$0	105
MAX	2,914	4	3	1	$244,900	$0	287

Closed 29 Properties Found
	Square Feet	Bedrooms	Full Baths	Half Baths	List Price	Sales Price	Days on Market
MIN	1,200	3	2	0	$143,000	$135,000	0
AVG	2,213	3.07	2.1	0.38	$194,219	$190,511	70
MEDIAN	2,222	3	2	1	$189,900	$187,500	81
MAX	3,670	4	3	1	$249,785	$249,785	194

Pending 1 Properties Found
	Square Feet	Bedrooms	Full Baths	Half Baths	List Price	Sales Price	Days on Market
MIN	2,394	3	3	0	$209,900	$0	239
AVG	2,394	3	3	0	$209,900	$0	239
MEDIAN	2,394	3	3	0	$209,900	$0	239
MAX	2,394	3	3	0	$209,900	$0	239

Need help finding someone to sell your home..........looking for someone to help you find your dream home. Let me Google someone for you.

Hendersonville Tn is such a great place to live with the lake, the schools, the shopping, the convience of Nashville Tn, and best of all the small town feel. The greatest thing of all about Hendersonville is that our homes are selling. So many parts of the country people are loosing their homes to foreclosure. So many people across the country have no control as they have lost their industries that support their towns and their families. Hendersonville Tn folks have so much to be thankful this holiday season. Check out the numbers for November. It has been my experience December is a very busy month also. Ready to get your home in these numbers give Sherry Chastain 615-504-1911 a call.

Closed 81 Properties Found
	Square Feet	Bedrooms	Full Baths	Half Baths	List Price	Sales Price	Days on Market
MIN	1,032	2	1	0	$79,900	$68,000	0
AVG	2,411	3.46	2.12	0.56	$232,056	$224,943	65
MEDIAN	2,386	3	2	1	$203,700	$193,900	60
MAX	6,518	5	4	1	$699,900	$623,000	300

Great numbers for the month of November. Need help finding someone to get your home sold.........looking for your dream home..........Let me Google someone for you.

The top ten reasons to list your home during the holidays.

One of the most frequent objections given by sellers for not signing a listing agreement is, the Holidays. But Sellers don't have to let the Holidays stand in the way! By understanding these 11 benefits of listing during the Holidays, sellers won't have any objections to listing their home late in the year.

11. By Selling Now, you may have an opportunity to be a non-contingent buyer during the spring, when many more houses are on the market for less money! This will allow you to sell high and buy low!

10. You can sell now for more money and we will provide for a delayed closing or extended occupancy until early next year!

9. Even though your house will be on the market, you still have the option to restrict showings during the six or seven days around the Holidays.

8. January is traditionally the month for employees to begin new jobs. Since transferees cannot wait until spring to buy, you need to be on the market during the Holidays to capture that market!

7. Some people must buy before the end of the year for tax reasons!

6. Buyers have more time to look for a home during the Holidays than during the regular work week!

5. Buyers are more emotional during the Holidays, so they are more likely to pay your price!

4. Houses show better when decorated for the Holidays!

3. Since the Supply of listings will dramatically increase in January, there will be less demand for your particular home! Less demand means less money for you!

2. Serious buyers have fewer houses to choose from during the Holidays and less competition means more money for you!

AND THE NUMBER ONE REASON SELLERS SHOULD LIST DURING THE HOLIDAYS........

1. People who look for homes during the holidays are more serious buyers!

People often have a misconception of listing during the Holidays, they are surprised when I say November and December have been my most busiest time of the year for 4 years straight. Enjoy this time with your family. Be sure and take them to see the local parade. Keller Williams Realty is a proud sponsor of the Hendersonville Parade.

Ready to list your home.....Google Me....I can get buyers to find your home too! Looking for your dream home.......find it with Sherry Chastain!