Sandy Wickware

What should you do if you are behind, upside down or at risk of falling behind on your mortgage payments?

Our market is still very tricky, and daily I speak with homeowners who don't know that they have options when dealing with a difficult situation when it comes to their homes.

Most of you don't know that you may be able to save your home, sell your home without the stress and embarrassment of a foreclosure and some of you are right at the end of the process and cannot change the tide of things to come. No matter what your current situation appears to be, if you call I can provide information that may open up some options for you. If you are down to the very end, it is still worth a call.

My goal is to develop relationships with you that will go on for years to come and to be a resource that you would refer to your friends and family. That being said, my objective is to help you get to the best possible place in a bad situation. If it is possible to save your home from foreclosure and even help you continue to own and occupy your home, then that is what I will work toward.

A lot of things come into play that will determine what the end result will be, your wants, your needs, your finances, etc. If you want input from a neutral professional that will work toward what is best for you, I am open to a confidential discussion to see what the options might be.

I am sure that if you are speaking with your lender, you are getting different answers everytime you call. Your lender has multiple departments that have access to different information. Each department has a different function and do not always know what is going on in other departments. I can help you get to the true status of your loan quickly which will help determine how much time is available to get to a resolution to any current or potential problems with your mortgage.

Short sale is a possibility, but not the first place to start. I do list and sell short sale homes, that is the last resort when the only other outcome would be foreclosure.

I would be honored if you contacted me to see if we can get things worked out for you to end up with your desired outcome.

Call or email me today.

Sandy Wickware, Realtor

RE/MAX Best

469-363-8501

sandywickware@remax.net

Real estate is on everyones mind. Sellers that are current on their mortgage are having to compete with foreclosures and sellers that are behind on their mortgage don't know what to do. It's all very frustrating and can lead to indecision for home owners.

If you are in danger of losing your home through foreclosure, you are not alone. Many homeowners are behind and have big decisions to make. Arm yourself with information before moving forward.

I am a CDPE® and Realtor® armed with the information that you need to educate yourself before you do anything. I am here to help you whether you need to work with your lender to get your mortgage back on track or you need to move on.

Predictions are that our housing crisis is far from over. It is my job to assist you so that you have the best possible outcome in regard to your current housing needs. Please call before you do anything.

Sandy Wickware RE/MAX Best 469-363-8501 www.sandywickwarehomes.com

Each office independently owned and operated.

Short sale is when your lender/mortgage company agrees to accept less money than you owe and allow the sale of your home. Sometimes with a promissory note for a portion of the amount short to pay off the loan in full, sometimes with no note and sometimes they won't commit to anything.

Regardless of what your lender agrees to, selling as a short sale is much less damaging to your credit and potential financial obligations after the transaction is complete.

Foreclosure leaves you with a mark on your credit potentially forever and you will be waiting to see if your lender is going to pursue a judgement against you for the shortage of what they sold for vs what you owed.

With a short sale, you have many benefits. Homes sold through a short sale rather than foreclosure generally sell for more money therefore reducing the gap between what is owed and the sales price. Most times we can work out the expectations of your lender for any shortage prior to closing, so you know what you are facing and your credit may not be damaged so badly sometimes they will agree prior to closing how your mortgage will be reflected on your credit report.

If you have hit a bump in the road as so many homeowners have, then you know that it is highly likely that you will recover once you get past some of the big obstacles. You need to have your credit in tact as much as possible to speed your recovery.

I am here to help you through this difficult process and assist you in moving on with your life. I am a CDPE® Certified Distressed Property Expert and Realtor®. Serving Ellis County & Southern Dallas County, including but not limited to Red Oak, Waxahachie, Midlothian, Lancaster, DeSoto and Cedar Hill, Texas.

Call or email with questions-Sandy Wickware 469-363-8501 s_wickware@hotmail.com RE/MAX Best

If you are confused in this turmoil homeowners are going through, you need to know you are not alone. Many families are struggling with solving a problem with a mortgage that is behind and the real possibility of foreclosure.

Before you make any decisions, please call to get current accurate information. Foreclosure hurts everyone. It hurts you the homeowner financially, most severly damages your credit and in some cases can cause problems with your employment. It hurts values in the community and costs the banks the most money.

Everyone looses when a home is foreclosed. This is a very scary and confusing time for you and I am here to help evaluate, guide and relieve as much stress as possible for you. I am a Realtor® and a CDPE® Certified Distressed Property Expert. I have the correct information and the tools to help you through this very difficult time.

Please email me or call me for a free comparison chart showing the differences between foreclosure and short sales. Please give me the opportunity to discuss your situation with you before you give up and walk away. My office is in Red Oak, Tx. I serve Ellis and Southern Dallas Counties, including but not limited to Red Oak, Waxahachie, Midlothian, DeSoto, Lancaster, Cedar Hill, Ovilla and Glenn Heights, Texas.

Some homeowners are able to keep their homes. If that is a possibility, we can work on that. My job is to do what is best for you. Call me today 469-363-8501 s_wickware@hotmail.com

You may also post questions.

The first time homebuyers tax credit is about to expire. Despite that fact, there are very few buyers out looking to take advantage of it. At least that is what we are seeing. It is really amazing that first time buyers are so quiet since this is a great opportunity. Prices are still low and buyers can potentially get reimbursed their down payment and some closing costs.

There is a sense however that there may be a mad rush at the end. Most buyers wanting to take advantage of the tax credit should be under contract by Oct 15th, or there will likely be a major jam trying to get later executed contracts closed and some people won't make the deadline.

It will be interesting to see if the tax credit is extended, but I wouldn't want to risk it. Just some thoughts regarding this issue. We will have to wait to see what comes next.