Stop Foreclosure!
Lower your monthly payments. Modify your loan now!
Who is able to qualify for a loan modification? Here is an example list of hardships that lenders consider during the loan workout process:
Anyone who has a hardship in...
Increasing Loan Payments Property Value
Reduced Household Income
Increased Monthly Expenses
Increased Debt Adjustable Rate Mortgage that is increasing your payment
Illness
Loss of Job
Reduced Income
Failed Business
Job Relocation
Death of Spouse or Co-Borrower
Death
Incarceration
Divorce
Marital Separation
Military Duty
Reduced Income
Medical Bills
Damage to Property (natural disaster or unnatural)
More info For more information please visit my website at www.ModifyLoanSolutions.com
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Typical completion time: 6 - 12 Weeks
Loan Modification is a permanent change in the terms of your existing loan. Lenders may restructure your loan by a reduction in the interest rate, an extension of the length of the loan, a lowered principal balance, reduction in the amount of accrued back payments or late fees, as well as many other options to allow you the affordability to pay your mortgage. If you are behind on your payments, struggling to make your payments, expect an adjustment that will cause you to fall behind, you are facing foreclosure, or fear foreclosure is just around the corner, then you are a candidate for loan modification More info
Claudia Jaramillo
772-559-2364
ClaudiaJaramillo@eliteloanmodifications.com
If you looking ito Buying a Bank Owned Property In Indian River and Saint Lucie Counties Call me at 772-559-2364
ATTENTION FIRST TIME HOME BUYERS!!
I took a look at the IRS website and a qualifying taxpayers who buys a home before Dec. 1, 2009, can claim the credit on either their 2008 or 2009 tax returns. They can receive the money to be used for down payment, closing costs etc. The home buyer has to qualify and they do not have to repay the credit, as long as they remain in their home for 36 months. You can see below in bold.
"Expanded Tax Break Available for 2009 First-Time Home buyers
IR-2009-14, Feb. 25, 2009
WASHINGTON - The Internal Revenue Service announced today that taxpayers who qualify for the first-time home buyer credit and purchase a home this year before Dec. 1 have a special option available for claiming the tax credit either on their 2008 tax returns due April 15 or on their 2009 tax returns next year.
Qualifying taxpayers who buy a home this year before Dec. 1 can get up to $8,000, or $4,000 for married filing separately.
"For first-time home buyers this year, this special feature can put money in their pockets right now rather than waiting another year to claim the tax credit," said IRS Commissioner Doug Shulman. "This important change gives qualifying home buyers cash they do not have to pay back."
The IRS has posted a revised version of Form 5405, First-Time Home buyer Credit, on IRS.gov. The revised form incorporates provisions from the American Recovery and Reinvestment Act of 2009. The instructions to the revised Form 5405 provide additional information on who can and cannot claim the credit, income limitations and repayment of the credit.
This year, qualifying taxpayers who buy a home before Dec. 1, 2009, can claim the credit on either their 2008 or 2009 tax returns. They do not have to repay the credit, provided the home remains their main home for 36 months after the purchase date. They can claim 10 percent of the purchase price up to $8,000, or $4,000 for married individuals filing separately.
The amount of the credit begins to phase out for taxpayers whose adjusted gross income is more than $75,000, or $150,000 for joint filers.
For purposes of the credit, you are considered to be a first-time home buyer if you, and your spouse if you are married, did not own any other main home during the three-year period ending on the date of purchase.
The IRS also alerted taxpayers that the new law does not affect people who purchased a home after April 8, 2008, and on or before Dec. 31, 2008. For these taxpayers who are claiming the credit on their 2008 tax returns, the maximum credit remains 10 percent of the purchase price, up to $7,500, or $3,750 for married individuals filing separately. In addition, the credit for these 2008 purchases must be repaid in 15 equal installments over 15 years, beginning with the 2010 tax year."
FOR FORECLOSED HOMES IN VERO BEACH, SEBASTIAN, SAINT LUCIE CONTACT:
CLAUDIA JARAMILLO, REALTOR
MARREROTEAM
772-559-2364
Hablo Español
1962 19th Ave
Vero Beach FL, 32960
MarreroTeam.com
February 24, 2009
Just a note to let you now, I am located at a new address. I am know a sales associate with MarreroTeam.com Real Estate at their office at 1962 19 Ave. I really like this office, as we have a group of energetic professionals who work together as a team to meet both buyer and seller needs.
I will be contacting you in the next few days to find out if any of your friends need my real estate services. I would greatly appreciate any referrals you can provide of friends and neighbors who might be considering buying or selling real estate in Indian River County.
Thank you
Sincerely,
Claudia Jaramillo
772-559-2364
ClaudiaSellsFlorida@gmail.com
www.ClaudiaSellsFlorida.com
MarreroTeam.com
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Claudia Jaramillo Specializes in Sale of Residential homes in Vero Beach & Sebastian
Vero Beach, Florida Welcome to this quaint setting of beautiful weather, sandy beaches, blend of small-town charm and natural beauty with culture sophistication and some of the best golf courses in Florida named Vero Beach and Sebastian. People love the Treasure Coast because of everything it has to offer. Fabulous boating and fishing and a mild annual climate makes any outdoor activity a delight. Royal Palm Point We are located less than hour and a half south-east of Orlando, two hours east of Tampa and two and a half hours north of Miami. Perfect location near to everything. Living in Vero Beach is living in paradise, let me find you a perfect home or vacation home of your dreams! When I first came to Vero Beach 5 Years ago I fell in love with the city. Two years later I moved down from upstate New York. It has been a pleasure living here. I've managed to meet many good people and have given them the best of myself. The most important thing when choosing a Real Estate professional is to find someone you can trust. I have a history of success and integrity in real estate that you can depend on. I am an experienced negotiator with expert knowledge of the local market. You can count on me to always work with your interests in mind, and to represent you and your wishes to the best of my ability.
Cuando viaje por primera vez a Vero Beach hace 5 anos, me enamore con la ciudad. Dos anos despues me vine a vivir aqui desde Nueva York.
Ha sido un placer vivir aqui. He logrado conocer mucha jente buena y les he dado la mejor de mi misma. Lo mas importante cuando se busca un profesional en Real Estate es encontrar a alguien en que puedas confiar. Yo tengo un historial de triunfos en que puedes confiar. Soy una experta negiciante en el mercaado local. Puedes contar con que siempre trabajare teniendo en cuanta los intereses y preocupaciones de la comunidad hispana. Te representare a ti y a tus deseos lo mejor que pueda. CUENTA CONMIGO!!!
Every one of my clients is unique, and that is exactly how I treat him or her. I'm proud to say that a high percentage of my business comes from past clients-from people who choose my services time and again. I don't measure my success by sales, but by the relationships I build along the way.
Cada uno te mis clientes son unicos y de esa manera es que yo los trato. Estoy muy orgullosa de decir que el major porcentaje de mi clientela viene de antiguos clientes. De personas que han escojido mis servicios una y otra vez. Yo no mido mi triunfo por las ventas, sino por la relacion que he construido a lo largo del camino.
About Claudia Jaramillo
Born in Colombia and Raised in NY I enjoy interacting with a diversified group of people. With a degree in MIS, I combine my people skills with my knowledge of computers to develop a marketing plan to tackle the most difficult property. I enjoy Stained Glass, Salsa dancing and traveling, visiting Europe, Mexico, the Caribbean, Venezuela and Colombia. As a mother of three I am a hard worker and will be happy to guide you with all your Real Estate needs.
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