SHORT SALES - HELP, TIPS AND ADVISE

THE MORTGAGE FORGIVENESS DEBT RELIEF ACT OF 2007

H.R. 3648

NO Equity on your home?

Behind on your mortgage payments?

Is your Lender giving you the run around?

You may qualify for a SHORT SALE!

If you're at least 30 days behind on your mortgage, your mortgage company may be willing to consider completely forgiving a significant portion of your mortgage debt through a Short Sale (provided you go through the proper process). The portion they forgive, under H.R. 3648, is NO longer counted as personal income and CANNOT be taxed by the federal government.

FOR MORE INFORMATION ON THE MORTGAGE FORGIVENESS DEBT RELIEF ACT AND DEBT CANCELLATION

CLICK here AND TALK TO YOUR TAX PREPARER.

A short sale is a special transaction that allows you to sell your home - even when your mortgage debt is higher than the value of your home.

I am a REALTOR® with the experience and commitment to help you negotiate a settlement with your current lender(s) so you can sell your property and get out from under this burden. Best of all, my commission will be paid by the bank, so you won't have any out-of-pocket expense!

A SHORT SALE WILL HELP YOU:

•· Avoid Foreclosure

•· Protect Credit Score from "foreclosure" ding

•· Be free of financial & emotional burdens

AND, I will help you STAGE your home FREE of charge, for a faster sale! Call me today for the peace of mind you deserve.

REMEMBER: ALWAYS HIRE AN ACCREDITED STAGING PROFESSIONAL REALTOR® FOR ALL YOUR REAL ESTATE NEEDS. THE MOST TRUSTED & REPUTABLE REAL ESTATE PROFESSIONALS.

ADDIE SCHARFF, REALTOR®, Accredited Staging Professional (ASP)

BEAUTIFUL HOMES REALTY, CA Dept. of Real Estate License #01449964

e-mail: Addie@SellingBH.com Website: www.SellingBH.com

(209) 277-8346 or (408) 887-2142 cell