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Rancho Del Rey Short Sales - Short Sales In Rancho Del Rey

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Chula Vista CA Short Sales - Many people ask if they should do a deed-in-lieu of foreclosure and give their house back to their lender. A deed-in-lieu does have its benefits. Lenders like them because they speed up the foreclosure.

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

A deed-in-lieu is the equivalent to a "No Contest" plea in a criminal trial. You just give up on the foreclosure. If there is a foreclosure court case, the judge will still have to schedule a foreclosure sale.

Contrary to popular opinion, a deed-in-lieu does not automatically release you from the debt. This means that your lender could be pursuing you five years later, after you get back on your feet.

There is an application process. You will have to spend between 5 and 10 hours submitting paperwork to your lender before they will approve the deed-in-lieu. Yes, I think it's crazy!

Why should you have to submit paperwork to make it easier for your lender to foreclose on your house? Doesn't make any sense. That is why I recommend a short sale instead of a deed-in-lieu.

You get to avoid the humiliation of a foreclosure. In addition, most short sales allow you to stay in the home rent free for 3-6 months. And you can get up to $3,000 from HAFA.

That will help cover the cost to move and maybe even cover the deposit on a rental property. The other advantage with a short sale is that you will be able to buy another home sooner.

Because a deed-in-lieu acts as a foreclosure, you will not be eligible for a new mortgage for 5-7 years. With a short sale, you can be eligible to buy another house in 2 years.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at mikeprusd@hotmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail. If you prefer, then you can call me at (619) 743-8884.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Chula Vista Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this, Mike Watson.

Mike is a Real Estate Agent at Keller Williams Realty.

Phone: (619) 743-8884. mikekwcv@gmail.com.

View My homes for sale at www.sellingchulavistahomes.com.

Mike Watson hag lived and worked in Chula Vista California since 1999.
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Chula Vista Short Sales CA - Most people are shocked to learn that 80% of all loans held by Bank of America are not owned by Bank of America. That means someone else owns those loans.

A large majority of these loans are owned or insured by Uncle Sam. They own them outright thru Fannie Mae & Freddie Mac. And they insure the actual owners against loss thru FHA and VA.

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

The rest of the loans are owned by Wall Street Firms, Hedge Funds, Pension Funds, and other various investors. So who makes the decision on a short sale?

It depends. If the loan is "delegated", then Bank of America can make the decision to approve or deny the short sale. The actual owner of the loan has "delegated" the authority to make a decision to the lender handling the loan.

Usually a supervisor at Bank of America will make the final decision. This is an advantage because you are able to get an answer faster on the short sale.

A Non Delegated Short Sale can drag out longer. First you have to submit everything to the short sale lender. They look everything over.

They will ask you for any missing documents or anything else needed for the file. Then they submit the complete short sale package to the loan owner. The loan owner looks everything over and makes a decision.

The first question we ask when negotiating a short sale is, "Are you delegated." I want to know who the decision maker is on the file. This improves the odds of getting the short sale approved.

Here are a few guidelines for whether or not a short sale has been delegated. Is the loan one of the following?

FHA Loan. Not delegated. The lender assembles a package and submits to FHA for approval.

Fannie Mae Loan. Sometimes delegated, but not always.

Freddie Mac Loan. Our experience is they usually are not delegated.

VA Loan. Not delegated. The lender assembles a package and submits to VA for approval.

Sliced and diced loan (Wall Street Owned.) Almost always delegated.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at mikekwcv@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (619) 743-8884.

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Chula Vista Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this, Mike Watson.

Mike is a Real Estate Agent at Keller Williams.

Phone: (619) 743-8884. mikekwcv@gmail.com.

View My homes for sale at www.sellingchulavistahomes.com.

Mike Watson has lived and worked in Chula Vista California since 1999.
Chula Vista Loan Modification Help, Chula Vista Short Sales. Chula Vista Short Sale Realtor. Short Sale Realtor. Chula Vista CA Short Sales. Chula Vista Realtor.

Chula Vista Short Sales CA - If you are looking to buy a home, then you probably want to get the best deal. January is the best time to be purchasing a home. Let me explain why.

A lot of people put their homes on the market in January. In addition, there are very few people looking to buy a home in January.

This is because most of the people transferring for a job have already bought a home. Their companies want them to have purchased by the end of the year so they can write it off on the corporate tax bill.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

The remaining buyers are usually waiting until Spring to go house hunting again. This gives you 2-3 months of prime negotiating time.

It is more than likely that you will be the only offers most sellers will see until Spring. But, guess what happens in Spring?

All of the other buyers start looking at homes and making offers. Those home sellers now have other options. Your offer isn't the only one they have on the table.

As a result, the seller might pass on an offer that they would have accepted in January. So, if you are looking for a home, get out there and start looking. Don't let the cold stop you from finding a great deal.

You probably won't find home prices this low for a while. Everyone is expecting the economy to finally pick up in 2011. This will drive home prices higher.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at mikekwcv@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (619) 743-8884

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Chula Vista loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Mike Watson.

Mike is a Real Estate Agent at Keller Williams Realty. Chula Vista Short Sales Realtor:

Phone: (619) 743-8884. mikekwcv@gmail.com.

View My homes for sale at
www.sellingchulavistahomes.com.

Mike Watson specializes in loan modification assistance and short sales in Chula Vista California. Chula Vista Loan Modification Help, Chula Vista Short Sales. Chula Vista Short Sale Realtor.
Short Sale Realtor. Chula Vista CA Short Sales. Chula Vista Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Mike Watson's personal views and do not reflect the views of Keller Williams Realty.

This information on Why January is a great time to buy a home is provided as a courtesy to our viewers to help them make informed decisions.