Principal Reduction Program to Current Market Value / Short Refinance /

Do you owe more than your home is worth? Facing a financial hardship? Has your lender given you a Notice of Default?

Example: First loan Balance $700,000 2nd Loan balance $75,000 Homes Current Market Value $500,000. 2nd loan payment $512 30 years at 7.25%. approximately

Second loan is completly upside down and can be settled for potentially pennies on the dollar.

Current mortgage payment $4775 principal and interest. Plus Taxes and insurance. $700 $5,475 Income $ 13,500. Had a reduction in pay from $ 18,000.

Are you 60 days or more late on your mortgage?

Potential new mortgage at current market vallue $ 500,000 7.25% interest rate 30 year loan $3233 savings of this loan will take over the current loan.

first mortgage $5475

+ 2nd mortgage 512

$ 5987

new loan $ 3410.00 - old mortgage payment, savings of $ $2577 PER MONTH!! Plus a reduction of negative equity of $ 275,000!.

This is just an estimate. Because your loan is 1) upside down by 20%

or more and 2) non performing, (late 60 days or more)

**Your credit score does not matter!!! your ability to pay does. You must have a 50% debt to income ratio. Which mean that your gross income needs to be 2 times as much as your new mortgage payment, principal interest taxes and insurance plus all of your additional credit cards.

I may even be able to help you buy a new home once you successfully short sale your current home even with credit issues. If you decide to short sale your home we may be abe

Please call today for a free 15 minute consultaion on our Balance Reduction Program and our Short Purchase Program to find out solutions for your real estate needs.

JoAnna Jensen

Certifieddebtnegotiators.com

925 699 5041

jensenair@hotmail.com

Certifieddebnetotiatiorskk