SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR
The Short Sale Services I offer:
Please remember that experience counts. In most cases, you will only get 1 chance to complete a short sale. Hiring the right agent makes all the difference.
The more time you have the better your chances are for a successful short sale.
You have nothing to lose, please call me. I can help. Mike Pahua
SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR
Frequently Asked Questions (FAQ) about Short Sales: A. A short sale is the process by which a homeowner can sell a house for less money than he actually owes on the mortgage(s). If the bank approves the discount on the mortgage, the home can be sold for a lower price without the seller having to come up with cash to cover the shortfall, and the mortgage is satisfied and the foreclosure process stops. A. The lender will pay all the real estate commissions and the closing costs for the seller. The lender will often pay back property taxes and past due association dues if applicable. On rare occasions, the lender will require that the seller contribute something ($1,000 - $3,000) to the second lien holder (if any). A. The most important factor in qualifying for a short sale is having a legitimate hardship and being able to prove your inability to repay your loan(s). The short sale process is complex and often frustrating for the seller. It is important that the seller is flexible with the lender?s documentation requests and timelines. A. Your financial hardship can take many forms. The most common hardships include one or more of the following. Job Loss or Reduction of Income, Divorce, Illness, Mortgage Payment Increases, Debt Increases, etc? Every home owner?s situation is different so you are encouraged to call for a confidential consultation. A. My quickest approval on a short sale took 8 business days (Citibank). My longest approval on a short sale took 18 months (Bank of America). Each lender has a different process and often the timeliness of a short sale is dictated by the individual bank negotiator we are assigned to. A. For a lender, doing a short sale avoids many of the costs associated with the foreclosure process. Attorney fees, delays from borrower bankruptcy, damage to the property, repair costs associated with resale, additional property tax, property insurance, etc. all must be paid by the bank during a foreclosure until it?s resold. In a short sale, the lender is able to cut its losses by getting rid of the property faster and avoiding many of the expenses. Mike Pahua The Pahua Group Realty ONE Group (949) 309-2400 Office Dre # 01461649 *This is not meant to be a complete or exhaustive advertisement about short sale or foreclosures. Nor, are we giving legal or tax advice in any way. Every situation is different and you are encouraged to obtain legal and tax advice from the appropriate professionals prior to pursuing the services of a short sale agent.*
SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR
GET MORE INFO FROM TOP ORANGE COUNTY SHORT SALE REALTOR Call Mike Pahua at 949-309-2400 before it's too late.
Benefits of a Short Sale:
Benefits of working with The Pahua Group:
Have you tried a loan mod?
Did you received a loan modification with unrealistic expectations?
Did you pay a loan mod company a retainer with no satisfactory result?
IT MAY BE TIME TO CALL A PROFESSIONAL
I am a full time Short Sale Realtor with an excellent tract record and I am happy to provide plenty of referrals. I only get paid (by the bank) when the job is done. When you hire me, you have nothing to lose.
Please visit my website for more home owner short sale information, faq's, foreclosure information, recently closed short sales and to find out more about me.
Recent Case Files:
Anaheim, CA: Owed 530k on a 1st and 2nd loan. Lender settled for a sales price of 281k. No out of pocket from the owner. Foreclosure date was postponed once.
La Palma, CA: Owed 375k on a 1st loan. Lender settled for a sales price of 265k. Owner was required to satisfy all unpaid hoa dues. Foreclosure date was postponed twice. Property was tenant occupied and the tenant stayed for the new owner.
Laguna Niguel, CA: Owed 475k on a 1st and 2nd cash out loan. Lender settled for a sales price of 243k. Owner was required to contribute 3k to the 2nd lien holder. Both lenders waived the deficiency judgement.
View more case files at www.shortsalesoc.com
Mike Pahua
Realty ONE Group
(949) 309-2400
ca dre# 01461649
Info @ PGcoastal.com
GET MORE INFO FROM TOP ORANGE COUNTY SHORT SALE REALTOR
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PROVIDED BY:
MIKE PAHUA
KELLER WILLIAMS REALTY
949-309-2400
DRE # 01461649
Frequently Asked Questions (FAQ) about Short Sales: A. A short sale is the process by which a homeowner can sell a house for less money than he actually owes on the mortgage(s). If the bank approves the discount on the mortgage, the home can be sold for a lower price without the seller having to come up with cash to cover the shortfall, and the mortgage is satisfied and the foreclosure process stops. A. The lender will pay all the real estate commissions and the closing costs for the seller. The lender will often pay back property taxes and past due association dues if applicable. On rare occasions, the lender will require that the seller contribute something ($1,000 - $3,000) to the second lien holder (if any). A. The most important factor in qualifying for a short sale is having a legitimate hardship and being able to prove your inability to repay your loan(s). The short sale process is complex and often frustrating for the seller. It is important that the seller is flexible with the lender’s documentation requests and timelines. A. Your financial hardship can take many forms. The most common hardships include one or more of the following. Job Loss or Reduction of Income, Divorce, Illness, Mortgage Payment Increases, Debt Increases, etc… Every home owner’s situation is different so you are encouraged to call for a confidential consultation. A. My quickest approval on a short sale took 8 business days (Citibank). My longest approval on a short sale took 18 months (Bank of America). Each lender has a different process and often the timeliness of a short sale is dictated by the individual bank negotiator we are assigned to. A. For a lender, doing a short sale avoids many of the costs associated with the foreclosure process. Attorney fees, delays from borrower bankruptcy, damage to the property, repair costs associated with resale, additional property tax, property insurance, etc. all must be paid by the bank during a foreclosure until it’s resold. In a short sale, the lender is able to cut its losses by getting rid of the property faster and avoiding many of the expenses. The Short Sale Services I offer: Please remember that experience counts. In most cases, you will only get 1 chance to complete a short sale. Hiring the right agent makes all the difference. The more time you have the better your chances are for a successful short sale. You have nothing to lose, please call me. I can help. –Mike Pahua Mike Pahua The Pahua Group Keller Williams Realty (949) 309-2400 Office Dre # 01461649 *This is not meant to be a complete or exhaustive advertisement about short sale or foreclosures. Nor, are we giving legal or tax advice in any way. Every situation is different and you are encouraged to obtain legal and tax advice from the appropriate professionals prior to pursuing the services of a short sale agent.*
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The Pahua Group specializes in buyer and seller representation of foreclosures/bank owned REOs and seller negotiations of short sales in Southern California. Orange County Real Estate
The Pahua Group specializes in buyer representation of Orange County Bank Owned Foreclosures and Orange County Short Sales.
Please contact us at, (949) 309-2400 for a custom list of foreclosures and short sales in your area. Below is just a small sample of the lists we have. You can even visit our website to search the Orange County MLS to perform your own Orange County Real Estate Search.
Search Property By The Pahua Group:
Search The Orange County MLS:
Search Orange County Foreclosures and Orange County Bank Owned Homes:
Inland Empire Foreclosures and Inland Empire Bank Owned Homes below:
Los Angeles County Foreclosures and LA County Bank Owned Homes below:
Dear Mike, thank you, thank you, thank you! We are so happy with our home and the way you handled our purchase. You were always available to talk (even at 7pm) and were upbeat when you answered. You worked so hard for us and we appreciate everything you did. We are so happy that we found you. Thank you again, Claire and Steve
Mike, I was so confused and had so many questions before I spoke to you. You handled my emotions and issues in a truely understanding manner. You never judged me nor made me feel bad. You gave me the truth no matter how hard it was to hear. I just wanted to thank you for holding my hand through my short sale. The process was so much easier than I ever thought it would be. You are a real professional and I hope we have the chance to work together in the future. B.H.
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