Laura Lake - La Quinta Short Sale Specialist

Mortgage Forgiveness Debt Act Expiring

Unless extended, the Mortgage Forgiveness Debt Ace is set to expire the end of 2012. There is no guarantee that the act will be extended into 2013. Bottom Line, if you are thinking of doing a short sale, now is the time to act.

Rules and guidelines are constantly changing with the banks, what worked yesterday, doesn't work today. Banks are cracking down on homeowners trying to "delay" the sale with no real intention of resolving the debt with the bank.

My job is to help you understand all of your options so you can make an informed decision. Whether it be a loan modification, deed in lieu, walk away or a short sale, we will discuss every option in detail and can also provide you access to CPAs/Attorneys to discuss your specific situation.

We have a "restructure program" to help you after we complete your short sale so you can work towards the American Dream and become a homeowner again. With this program, you will work with our preferred lender to keep you on track so you can re-buy a home in as little as 12 months.

If you like more information about our short sale program or our restructure program, visit us at www.stopymydesertforeclosure.com or call us directly at 760-464-8138. We are here to help no matter your situation.

See our latest results, video included at: www.myshortsaleapproved.com

Laura Lake, Real Estate Short Sale Specialist and CDPE Certified with Keller Williams Realty, La Quinta, CA 92253

sold@TheLauraLakeGroup.com

How to Short Sale

Like many homeowners upside down on their mortgages, you may be thinking of a bank short sale and how the short sale process works.

Laura Lake, Real Estate Agent with Keller Williams Realty, works with homeowners to help determine their best option for their situation which may or may not be a short sale.

There is a lot of bad information out there, it's important you talk with an experienced short sale agent to better understand the process and learn the best way for you to move forward.

I get many calls from homeowners who feel, for whatever reason, that they are "cheating the system", are deadbeats because they can't afford their mortgage, feel useless, defeated, ashamed, etc. I am here to tell you that don't need to listen to that negativity. Let's think for a moment. When a business runs into trouble they file for a chapter 7 or 13 and/or re-negotiates with the debtors, including their banks....and they call is "restructuring", so why should we, as good citizens, be tagged as “deadbeats”?

The short sale process is not an easy process, but it’s still one of the best options to a foreclosure. We have a system in place for our clients to ease the process of the short sale and them through before, during and after.

After the short sale is successfully completed, we have lenders on hand to work with our clients to help them through the “restructuring phase” so that in as little as 2 years’ time, they will be ready and able to buy a home again…this is a free service we provide!!!

So don’t wait until it’s too late to learn your options, call Laura Lake today at 760-464-8138 or email her at lauralake@searchpalmspringshomes.com

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