Bradley Oliver

This is a call to all churches of the Treasure Valley. If you know a person or a family that needs help either keeping their home from going to foreclosure or need to sell their home before it goes to foreclosure, please let me help them.

I have access to a group of professional approved loan modifiers that in most cases can help the homeowner stay in their home by doing a loan modification with their mortgage company. These are Idaho State approved loan modifiers. These are folks that are ready to help those in OUR community during these rough times.

And if they cannot help them stay in their homes, then that is where I would like to help. I would short sale the home for them to save the homeowner's credit. And this would cost the homeowner no money at all. The bank will pay for all fees, and in some cases, liens that are attached to the property!

By doing a short sale, the home owner will have a chance to buy a home again in 24 months. If they let the bank take the home back, it can be 5-7 years before they could buy a home again. Plus, if the home owner does a short sale, their credit score would only drop 50-70 points unlike a full foreclosure would be 200-300 point drop. This will affect the home owner getting insurance and other items that look at credit scores.

So let us come together to help people in OUR community during these difficult times.

Short Sale Agent

Brad Oliver

Century 21 1st Place Realty

208-947-4659

Bradley@Century21.com

Follow me twitter@BradinBoise

Calling all distressed homeowners!

Do you need to sell your home before foreclosure?

Have you tried to do a loan modification already and it wasn't approved?

Do you have to relocate and really need to sell your home?

If any of the questions relate to your situation, please call or email me today. I can help. And it will not cost you a penny!

Most properties that are selling in the treasure valley are distressed homes. Short sales and REO or bank owned homes. They are usually priced below the lowest regular priced home. That is why they are selling. And many times with multiple offers. Which can be frustrating at times for buyers looking for a good deal.

If you are needing to sell your home, let me help sell your home. I can even sell your home without putting a for sale sign in the yard or having a bulky lockbox hanging on your door! Or multiple realtors calling to schedule showings. If you would like to sell your home without all the hassle of cleaning and getting the home ready for a buyer who is not even qualified to buy your home, you no longer need to!

Call me or email me today!

Short Sale Realtor

Brad Oliver

Century 21 1st Place Realty

208-947-4659

Bradley@Century21.com

Late last week the WSJ.com reported a 7.2% rise month-over-month increase in more than ten years!

Most of the sales were distressed homes including short sales and bank owned homes. It is very important to get these distressed homes off the market and get back to a regular market which might not be until 2012 most experts suggest.

Prices of homes will continue to drop until the distressed properties are mostly sold. There is still at least another year of inventory of bank foreclosures. Some of the bank owned properties are being held by the banks waiting for the market to get better.

The interest rates for home mortgages are still very low. The average 30-year mortgage rate fell to 5.22% in July from 5.42% in June.

Thanks

Brad Oliver

Century 21 1st Place Realty

208-947-4659

Bradley@Centuy21.com

http://www.BradleyOliver.net

What is a short sale?

Is a short sale my only option?

Why not just let the bank take my home back? Why do I care?

I've heard short sales take a long time to sell.

These are some of the most common questions I get from home owners. They all are very good questions. I will attempt to answer these questions the best I can here now.

What is a short sale? A short sale is when a lender/bank is willing to accept an amount less than what is actually owed. Example: Lets say Sally owes the bank $200,000 for her beautiful home in Meridian. Do to a job loss, she no longer can afford the payments anymore. So she calls me to help her see what her options are. After careful analysis her best option is to sell the home. So she puts the home on the market to sell.

I the agent market her home aggressively and get immediate activity on her home. Joe the buyer comes in and says I'll buy your home for $150,000. So I the agent take the offer to Sally's lender and submit to the lender all the paperwork needed. I get the bank to agree to the offer of $150,000 and the home gets sold, Sally's credit has been saved so she can buy a home again in 2 years instead of 7 years or more if she would have let the home go back to the bank.

In this case, Sally didn't want to stay in the home. Instead, Sally needed to rent a home for much less of a monthly payment. Which I helped Sally find a wonderful rental home near where her old home in Meridian was. Sally no longer has a debt of $200,000. Now all the debt she has is a small balance on a credit card and a car payment and a new lower rent payment. Sally can now get on with her life. The pressure is gone and now Sally can sleep at night knowing this is now all behind her.

I have helped alot of Sally's and Fred's in the Treasure Valley. Let me help you today!

Call today 208-947-4659 and ask for Brad

Visit our website http://www.BoiseHomeHelpline.com and leave your contact information. You can also get a hold of me via email Bradley@Century21.com

Thanks

Brad Oliver

Century 21 1st Place Realty

Boise, Idaho 83709

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