Not if I have anything to say about it!
The FBI reported a jump of 71% in mortgage relief fraud investigations from 2008-2009, and expects this number to have grown in 2010.
That's why it's my duty to educate homeowners in my community on the cautions they need to take, and what the government has recently done to protect you from unscrupulous individuals and companies who want to take advantage of their desperate situations.
What you need to watch out for if you are looking for mortgage relief assistance:
1. Upfront fees-just don't pay them! In fact, they are now illegal!
2. A request to sign over your deed (this only spells trouble)
3. Lots of paperwork without the opportunity for review
4. The claim of government-affiliation
These are just a few red flags you need to be wary of. I've created a free report on the homepage of my website that details more of what you need to watch for.
If you are struggling with an unaffordable mortgage and are looking for help, educate yourself. These scammers can be very shrewd and will say almost anything to steal your money.
The Federal Trade Commission has required disclosures of anyone offering mortgage relief services. If you'd like to see an example, check out any of the pages of my website. If a company you are dealing with has not provided these disclosures, please ask why they are not compliant, and proceed with caution!
As a CDPE, you can trust that I have the tools to be in full compliance of FTC regulations, and will always work with your best interests at heart.
If you want viable alternatives to foreclosure, give me a call today. I'm always here to help!
Amy Austin DRE # 01704880
Federal Trade Commission Disclosures
1. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services.
2. The above brokerage is not associated with the government, and our service is not approved by the government or your lender.
3. Even if you accept this offer and use our service, your lender may not agree to change your loan.
A recent study in Nevada (a state that holds the nation's highest foreclosure rate), found that only 5% of distressed homeowners knew they had alternatives to foreclosure, and only 3% took advantage of them. It was also found the 1 in 4 homeowners chose to "strategically default," or allow their homes to be foreclosed upon on purpose!
Clearly, too few distressed homeowners know their options and the fallout of foreclosure. If they did, they'd soon realize that there's nothing ‘strategic' about foreclosure, and that avoiding foreclosure is always the best plan to create financial stability.
Millions of Americans feel alone and trapped by mortgage payments they can no longer afford. In fact, 27% of Americans with mortgages now owe more than what their home is worth. However, more and more of them are finding education on the responsible alternatives to foreclosure is helping them move toward financial stability.
Education is key. The more distressed homeowners know about solutions, the more likely they are to overcome their financial challenges. I've seen this firsthand.
I can help with the education part-it's up to you to contact me!
Amy Austin
Fighting against Foreclosure
Today, more than ever, homeowners are in the need of a Certified Distressed Property Expert to help put their nerves to ease. It is normal to feel the stress, anxiety, depression and loss of self-esteem one feels when faced with the possibility of loosing their home. A recent elderly client of mine told me "this is one of the most stressful situations they have ever been in in their entire life." I understand. With ther right assistance, these feelings become manageable and you will start to see their is light at the end of the tunnel, and I am here to help. I have received the training and have the experience to assess all possible foreclosure alternatives and pursue homeowners' best options. My number on goal is to keep you in your home. If that is not possible, I know how to negotiate short sales efficiently and ethically. If you or someone you know is in need of my assistance, please give me a call. You may visit my website at www.amyshortsells.com.
Realtor Certified Distressed Property Expert (CDPE)
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