Should I Short Sale my house in Santa Ana, California?

This is the most common questions home owners have in their minds now a days, and the reason is very simple, unemployment is growing, lot of wage earnesr borrowers are seeing their wages reduce or limited. and the mortgage is either the same or about to become adjustable where most likely it will increase the monthly payment.

Lot of people is trying to get Loan Modifications or work outs with their investors, this is truly a good thing to do, actually I'd say, try it before you decide to put the house on the market, however, there are another group of people that prefer to sell the property.

While a short-Sale is an option to avoid foreclosure, let's make sure you understand that a Short-Sale is not the way to get rid of a bad investment, meaning, NOT BECAUSE THE HOUSE HAS LOST VALUE you qualify for a short-sale.

In order to qualify for a short-sale, YOU (the borrower) needs to have a legimit hardship that is or in a near future will prevent you from making your mortgage payment.

These hardships are not limited to financial hardships but it has to be in some how leading to it. For example, if one of the borrowers have become ill and is not able to work, that is a hardship, perhaps at this moment is not affecting you for making your payment but if the situation doesn't change it will.

There are other types of hardships that lenders find acceptable to negociate a short-sale.

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•v Are You Going To Fall Behind Your Mortgage Payment?

•v

•v Have You Received A Certified Letter From Your Lender or Servicer?

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•v Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?

•v

•v Are You In Pre-Foreclosure or Foreclosure Procedures?

•v

•v Have You Received Correspondence Of Notice Of Default?

•v

•v Is Your Company Relocating You Or You Need To Relocate?

•v

•v Not Enough Equity To Refinance or Sell?

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE, BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•· IF You Decide to Sell:

•· You Credit will take less Damage than if you wait to be foreclosed.

•· You will be able to buy another home is 2 years instead of 7.

•· You will save thousands of dollars in credit cards and other loans interest rates.

•· We are in control of the sale transaction.

•· Your lender will pay our commissions.

•· YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

Must home owners know's that there is help available from their lenders, and programs that will help them stay on their home, what they don't know is that the firs line of defense by the lenders is to get the home owner true their "Collection Department".

Here you will be ask question and or try to squeeze money from you before they offer you any consolation.

You will be ask for your financials and the reason of your delinquency, you will also be ask to write a Hardship letter and provide your last w2 form, probably your last year taxes, proof of income.

After all this documents are provided to them, they will probably offer you a reinstatement of your loan, prepayment plan, forbearance, modification or refinance and all these if you qualify.

Must home owner get them self in a situation in which accept the program offer by the collection department.

Doing this by your self as suggested by the banks, is putting your self in harms way. We all know that the bank is not out to provide you with the help needed but to help them self, so what make you believe that they will offer you the best modification available to you.

I am not suggesting that you should pay an expert to this for you, but to think before you act. If you ake the decision to call your self to negotiate a modification; I will strongly suggest getting sufficient information prior to embark in this difficult decision.

There are groups that belong to the "HOPE NOW" alliance; find them to obtain more inforamtion. I will sugets to call us at 888-250-4230 or call 714-699-4695 RE/MAX Metro Realty is approve to offer Modification Services by the DRE (Department of Real Estate)

Lupe Medina Click Here

We all make mistakes, but sometimes it is hard to learn, move on and let go of them. Here are some Quotes for these tough times:

• Intelligence is not to make no mistakes, but quickly to see how to make them good. -Bertolt Brecht
• Out mistakes won't irreparably damage our lives unless we let them. -James E. Sweaney
• A man may fall many times, but he won't be a failure until he says that someone pushed him. -Elmer G. Letterman
• The road to wisdom? Well, it's plain and simple to express: Err, and err, and err again. But less, and less, and less. -Piet Hein
• A man must learn to forgive himself. -Arthur Davison Ficke
• If you're not failing, you're not trying anything. -Woody Allen
• Wise men learn by other men's mistakes, fools by their own. -H.G. Bohn
• Difficulties are meant to rouse, not discourage. The human spirit is to grow strong by conflict. -William Ellery Channing
• In order to change, we must be sick and tired of being sick and tired. -Anon.

There is a light at the end of the tunnel, we just have to "ride the wave".

Over $250K in Hardscaping and Landscaping!!! Tri-level backyard with BBQ & bar, pool, and basketball court. Pebbletech pool includes cascading waterfall and rock cave spa. Some might consider it as 'The Grotto'. 5 bed 4 bath home full of upgrades and completely remodeled from top to bottom. Beautiful granite countertops and light fixtures. Long private driveway & 3 car garage w/ stainless steel doors. Beautiful gated court yard. ENTERTAINER'S DREAM HOME!!! 

More Info at 13111 Saint Marks Dr North Tustin, CA 92705

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