Yuri M. Ramirez, Sacramento Realtor, (Hablo Español) DRE LIC #01403924

It doesn’t cease to surprise me when I’m at a signing appointment with my clients and I see the mortgage payments they’re landing! I just sold this great home in the city of Elk Grove. The home featured 3 bedrooms, 2.5 baths, and 1500 sq. feet of living space. This family saved enough to have a good down payment—their monthly mortgage payments ended up being less than $500 a month!! Rents in that area are between $1,200-$1,400! Needless to say, although they had to wait 2 months for short sale approval, it was well worth the wait.

So many great deals out there, many are short sales but when waiting is the difference between a great deal and over paying with multiple offers on other listings—it’s worth it!

SOLD FOR $123,000

How about a BEAUTIFUL, almost new large 3 bedroom 2 bath home? Yes! If you have the right agent on your side! I just helped my buyer purchase this beautiful home that was built in 2004, over 1,600 square feet on a .014 acre lot. The home was a foreclosure so it needed some repairs, but she was able to buy it for less than the asking price which made up for the repairs. SOLD FOR $135,000 and after the money my buyer put down it left her with a fixed, mortgage payment of less than $515.00 per month!! If you're looking to buy a home, let me know! I'll help you land a GREAT deal!

Nuevamente, gane la batalla en contra del BANCO DE AMERICA. Despues de mas de un año, finalmente logre vender otra casa por medio de una “short sale” or venta corta con ellos. El titulo de ‘venta corta’ es uno que no me agrada en lo minimo ya que ninguna venta con el banco de America ha side “corta”. Casi todas se han tardado mas de 3 meses. La que mas tiempo se tardo duro mas de 2 años. Una venta corta o short sale se hace cuando debe mas en una casa de lo que vale.

Les cuento esto porque si esta fuera su casa, se imagina cuanto podria ayudar a sus familias estar en esta situacion? Imaginese vivir en una casa sin pagar renta por mas de un año? Es una de tantas ventajas que existen en hacer una SHORT SALE. Si el banco ya le nego una modificacion o simplemente la que le dieron no le combiene, llame hoy! Tiene opciones mas alla de simplemente darse por vencidos.

Esta casa: 4601 37th Ave., Sacramento 95824 se vendio en $55,000. El dueño debia mas de 3 veces lo que la casa valia, y tenia dos prestamos con dos bancos diferentes. Aun asi, el dueño logro vender la casa pagando tan solo una parte de la utilidades que le debia al condado de sacramento. Llame hoy para mas informacion o si tiene alguna pregunta.

I finally won a battle against BOFA with a SHORT SALE. After 3 buyers and 374 days, we sold the property at 4601 37th Ave. in Sacramento. Can you imagine what 374 days in your home without a mortgage payment would do for your family??

The process was an extremely lengthy one because during the transaction BOFA (Bank of America) went through several system changes, that would delay each process by about 3 months. Normally, sellers would want as much time as possible in the home, especially when you're not making a mortgage payment. In this case, the seller had vacated the property long before he hired me to sell it. The property managed to also get a lien from the city due to the overgrown lawn and lack of maintenance. The property also had a lien with CalHFA. CalHFA was great to work with. Luckily, the last buyer was trained well on what to expect on a BOFA short sale by her agent and had no problem waiting 3 months for a short sale to be approved.

If you have a property with several liens and you've decided that you need to sell it, call me!

4601 37TH AVENUE, SACRAMENTO, CA 95824 ------SOLD------- $55,000

Si usted hizo una mala inversion, tambien tiene opciones. No porque ya esta perdiendo la batalla contra el banco, se deberia de dar por vencido. Si los bancos no le dieron una modificacion, todavia hay opciones...

Recientemente vendimos una casa aqui en Sacramento. El dueño no vivia en ella, ya que la habia comprado como inversion. El habia intentado una modificacion pero como a muchos inversionistas, no se la dieron. El nos hablo cuando ya estaba por perder la casa. El banco ya habia puesto fecha de 'foreclosure' o embargo hypotecario. Logramos detener ese embargo, y conseguimos que los alquilinos estubieran unos meses mas en la casa mientras que se hacia la short sale. El banco le perdono mas de $120,000 de deuda hypotecaria, ya que debia mas de $200,000 en la casa y solo tenia un valor de $85,000. Logramos que el dueño vendiera la casa sin tener que pagar un solo centavo en costos de cierre. Si usted tiene una propiedad que no puede seguir pagando, no sufra mas! Pregunteme aserca de sus opciones. Ofrecemos consultas gratuitas y en su idioma.

6209 Melavic Ct., Sacramento, CA 95824 --S O L D $85,000