Ann Urias

Top Eight Reasons to Short Sale

1. You pay no out of pocket expenses. All short sales are sold as-is, meaning you won't have to bother spending time and money on tedious home repairs. Your lender also pays for all commissions and services on both sides of the transaction, giving you the least hassle possible in moving on to your next home.

2. Your credit damage is minimized. A short sale will have a recoverable impact of 80-100 points on one's credit, compared to the devastating effect of 250-350 points a foreclosure has on a credit score.

3. You can buy another home in approx. two years. Fannie Mae Announcement 8-16 recently set the standard that homeowners who choose to short sale only have to wait two years before buying another home. Foreclose prevents you from owning a home for at least 7 years

4. You have an assured sense of relief. Short sales in lieu of loan modifications give homeowners a firm new start. The Department of the Treasury just released a study revealing that 55% of homeowners default again with in six months of receiving a loan modification.

5. You save money and pay less taxes, The Mortgage Forgiveness Debt Relief Act of 2007 allows short sale homeowners to not be taxed on the difference between their loan amount and the short sale price. With a foreclosure, you'll receive a 1099 for a home you don't even own.

6. You have a dignified solution to a difficult problem. A short sale allows you to stay in your home during the negotiation period. A foreclosure can become an embarrassing situation as a bank representative comes by to lock up the doors and windows, change the locks, and put up "bank owned" signs on your property while the local Sheriff is contacted to have you forcibly evicted.

7. You can have a trust deed sale date delayed. A short sale will cause the lender to Post pone a trust deed sale date.

8. You'll have an easier time finding a nicer place to rent. If you chose to rent, a foreclosure and/or eviction are red flags for landlords that will make it very difficult for you to find a place to live in the future. However, while a short sale is being negotiated, homeowners have many more options and can easily select a new place to live at their leisure.

If you are considering short selling your home contact Ann Urias for a confidential consultation

www.remaxann.com for more info

A short sale may be the answer you have been waiting for.

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If you are in a situation where:

• You lost your job

• Your Medical Expenses are too high

• Just went through/going through a divorce

• You are behind on your payments

• You have no equity

• You can't afford the cost of selling your home

• Your income has been reduced

WE CAN HELP YOU! It's easy and doesn't cost you any MONEY!

I am a licensed Realtor® that specializes in avoiding foreclosure. We will NOT buy your home, but will assist you in selling your home quickly. The lender will cover all closing costs including realtor commissions. We can make selling your home MUCH EASIER FOR YOU and lift much of the financial burden off your shoulders-- OUR SERVICE DOES NOT COST YOU ANY MONEY!!!

WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE

One way we can help is with a SHORT SALE.

A short sale will help you:

• Avoid Foreclosure

• Avoid Bankruptcy

• Protect your credit

• Postpone your foreclosure sale date

• BE FREE of financial and emotional burdens!

I am a professionally trained real estate agent and I know how to make a settlement with your lender. This process is called short sale. You can sell your property and lift the financial weight off yourself. Best of all with a short sale my commission will be paid by the bank, so you won't have any out-of-pocket expense!

A Short Sale requires a trained professional who is a specialist in this type of real estate deal and can provide the path for a successful transaction. I know what your entitlements are - so does the lender but they won't tell you. Regardless of your current situation, I can assist you through this, so call me today to help you find a solution! You have options which can enable you avoid foreclosure proceedings and escape the 10 year scar it will leave on your credit, therefore, your future. Stop the inevitable and don't face Foreclosure IF YOU DON'T HAVE TO! Don't wait for the nasty letters and collection calls to begin. Let ME handle YOUR lender!

Re/Max Homes and Estates short sale division has closed over 80 short sales nationwide within the last year. We have a 95% success rate. Do not trust just anyone to handle your short sale. List with an experienced Orange County short sale Realtor

www.ReMaxAnn.com

Call for a private consultation (714) 588-7676

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Short Sale is a great option to avoid Foreclosure and it is absolutely FREE to the homeowner!!

What is a Short Sale?

A short sale, also called "Short Pay" or "Pay Off", is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.

What is Foreclosure?

Foreclosure is a process in which the estate becomes the absolute property of the lending institution. It is a termination of all rights of the homeowner covered by a mortgage.

Foreclosures and Short Sales are extremely time sensitive and consuming for negotiations. The sooner we can begin the negotiations with your lender, the greater the chances of a successful resolution. There is no need to wait until the lender sends you a notice of default or initiates formal foreclosure proceedings against you.

TIME is very important....Contact me to see if you qualify!

www.orangecountyshortsalerealtor.com for more info!

Call Ann Urias 714-588-7676 for a private consultation.

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What Causes A Short Sale?

Sometimes a short sale is brought about because the homeowner borrowed more than he/she could afford to pay back and miscalculated his/her financial status. Often, the short sale arises because of an unforeseen change in the homeowner's life, such as a long-term illness, disability, divorce or loss of employment, which has dramatically affected the person's income such that the mortgage payments are no longer affordable

What are the Benefits of a Short Sale?

When a Short Sale is achieved, there will not be a foreclosure. A Foreclosure damages credit up to 7 years and bankruptcy up to 10 years. Many experts believe that a foreclosure is much worse than a bankruptcy.

Is a Short Sale right for me?

Mortgage lenders are increasingly willing to work with borrowers faced with a financial hardship to accept a discounted payoff on a mortgage. If you are faced with a hardship that makes it likely you will be unable to meet your obligation on your mortgage, your lender would prefer to settle the matter with you as opposed to taking the property through foreclosure.

As you consider the option of pursuing a Short Sale, remember your lender is looking to limit any potential loss on your loan. By completing a Short Sale, your lender has arrived at a solution that is, for them, much better than a foreclosure.

Remember your lender wants to work with you.

My services are FREE to the homeowner.

Time is of the essence!

Contact Ann ASAP for questions and answers to see if a short sale is the best option for you!

www.remaxann.com

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• Are Your Mortgage Payments Too High?

• Do You Want Lenders to Stop Calling?

• Do You owe More Than Your House is Worth?

• Do You Want to Dispose of Your Debt?

• Want to Minimize Damage to Your Credit?

• Suffered Loss of Income?

• Your Mortgage Will Adjust Soon and You Cannot Afford Paying Skyrocketing Rate?

• Want to Sell Your House but There is Not Enough Equity?

• Do you want to avoid a Foreclosure and Get a Fresh Start?

If you answered yes to any of the questions, then a short sale might be right for you!!

My services are FREE!!

Do not wait...Call Ann (714) 588-7676

Time is of the essence!

www.orangecountyshortsalerealtor.com for more info

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