Garfield, NJ

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If you or someone you know is having trouble making mortgage payments, you may be paying special attention to the foreclosure moratorium that politicians are calling for in the press. The reality of a foreclosure moratorium is that it will end, and the foreclosure process will begin again.

The great news is that during a halted foreclosure, lenders are highly motivated to accept short sales. Distressed homeowners can use the time a foreclosure freeze provides to their advantage. I can help distressed homeowners develop strategies so they can move on to a brighter future.

A foreclosure freeze or moratorium won't save the homes of those in distress—only the homeowner can!

The game plan: Rojas listed the house on the Multiple Listing Service and advertised it on the Internet.

The home was in good condition, with updated siding, roof, kitchen and baths. Rojas suggested the sellers remove some extra furniture and belongings — "just make the rooms look a little bigger."

The home got an offer quickly, mostly because of the price, Rojas said.

The house was a short sale, in which the lender forgives part of the mortgage amount because the homeowner owes more than the house is worth. Although some short sales can be drawn-out as lenders review the transaction, Rojas said this one went quickly.

The result: Another agent in the Century 21 JR Gold Team office brought in the buyer, and the home sold for $219,000. — Kathleen Lynn
http://www.northjersey.com/realestate/news_residential/133762148_Fast-moving_short_sale_on_market_for_one_week.html

In a recent study by Lender Processing Services (LPS), 6.38 million people were at least 30 days late on their mortgage payments. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the free foreclosure avoidance guide I've place on my website:

http://www.topshortsaleexpert.com/

As a Certified Distressed Property Expert (CDPE), I can navigate a homeowner through a variety of options. I've listed some of the most common alternatives to foreclosures that homeowners can take advantage of to get back on the path to financial stability.

I would truly appreciate your taking the time to refer any homeowners you know that may need my assistance. I'm sure that they would appreciate it, too! The sooner they contact me, the more time we'll have to develop a strategy to avoid foreclosure.

With gratitude,

JOHNNY ROJAS ABRM, CRS
CENTURY 21 JR GOLD TEAM REALTY
(973) 772-9404

This is the season for taking stock and deciding what needs to happen to move into the year ahead with a positive momentum.

If you or anyone you care about has been burdened by a mortgage that's no longer manageable, you are well aware of how much the stress and uncertainty can cloud a person's outlook. And the fact that millions of Americans are in this situation right now might not be much of a consolation.

The fact is, there are no easy answers. There are, however, connected, qualified experts who are tapped into the best solutions based on individual circumstances, and are committed to helping financially distressed homeowners to make a fresh start.

That's where I come in.

Helping clients to figure out their best course of action within a market that's nothing like any of us have ever dealt with before requires an entirely new level of expertise and training. That's why I've sought out the Certified Distressed Property Expert (CDPE) designation—the most recognized and respected training on distressed properties in the real estate industry.

I invite you to visit my website for more information and please feel free to pass one of my enclosed business cards to someone you know who could benefit from a confidential consultation.