Stop Foreclosure Institute of Jacksonville Assisting Homeowners in Distress

Jacksonville Short Sale Question: I Had A Temporary Income Problem. Do I Still Need To Sell My Home?

January 13, 2012
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Jacksonville FL – You may be in a situation where your income dropped for a few months and then went back to normal.

During that time period, your got behind on your mortgage and other payments. Don’t worry, this isn’t a doom and gloom problem.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Many people missed payments for up to 18 months and still kept their home. In two cases that come to mind, their lender simply forgave the missed payments.

They started fresh with payments very close to their prior payments. In one of those cases, the homeowner’s payments were reduced by $1,000 a month.

The key is to convince your mortgage company that you can still afford your home. You will need to prove a couple of things:

First, that the problem that caused your mortgage payment disruption was clearly beyond your control. An example of this could be an illness, temporary disability, or injury.

Second, you will need to prove that you are now in a good position to stay current on your payments and make some progress towards repaying the unpaid amount. (They sometimes ask for you to repay the missed payments over the course of 6-12 months.)

You will need to convince your mortgage company that you’re back on your feet financially. You need to show that you will be able to make your payments without a struggle.

If you are in this situation, do not wait for your home to be sold without exploring the options available to you. Please contact me for more information on my free loan modification guide that will help you with a Forebearance or Loan Modifcation.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sale Question: I Had A Temporary Income Problem. Do I Still Need To Sell My Home? is provided as a courtesy to our viewers to help them make informed decisions.

One Key To Getting A Jacksonville Short Sales Approved

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Jacksonville FL – Working to convince a bank to approve a short sale is what I do every day. I work with lenders on a daily basis.

I understand the importance of starting the process in a way that is likely to succeed with the lender’s loss mitigation department.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

I am always prepared and I maintain a high level of professionalism during the whole process because I understand how critical it is to get a short sale approved.

The Lender wants a great file. I understand that I only have one opportunity to impress the lender with a professionally prepared file and this is exactly what they will get.

This initial step often proves to be determinant on the lender’s decisiveness to approve your file. As much as lenders may not like to acquire properties through foreclosure, they will not just approve any short sale.

When I submit your short sale file for approval, I will come up with a strategy that will have the lender feeling positive about approving the short sale.

Remember, your short sale file will be reviewed by a human being just like you and me. Someone that can’t help but understand and feel the problems other people have to face in life.

I will help you outline the events that caused you to fall behind on your mortgage so that the loss mitigation representative handling your file will look for ways to give us approval.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on One Key To Getting A Jacksonville Short Sales Approved is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Do Not Pay Any Upfront Fees To Anyone

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Jacksonville FL – Most state governments have determined that the practice of offering consulting services to those with delinquent mortgages presents an opportunity for abuse.

You don’t need to pay any consulting fees to get the help that you need to resolve your unpaid loan.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

You have a chance to work with your mortgage company to determine what options may be available to resolve your unpaid mortgage.

If the problem that led to this is temporary, you may explore the option of a Forbearance or loan modification agreement with your mortgage holder. We offer a free guide to negotiating a loan modification agreement with your lender.

There is a possibility that your situation may involve legal issues. In such a case, you may need to consult an attorney that specializes in either real estate or contract law. They can advise you on how to proceed forward.

Are you in this complex situation and do not know what to do? You are just a call away from getting the assistance that you need.

Just give me a call. I do not charge any consulting fees and will do all I can to give you the help you need.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: Do Not Pay Any Upfront Fees To Anyone is provided as a courtesy to our viewers to help them make informed decisions.

How To Convince A Lender To Approve A Jacksonville Short Sale

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Jacksonville FL – Patience, persistence, and a lot of experience is required to convince a lender to approve a short sale. It is a process with many steps.

Do “NOT” allow a buyer to work directly with your lender!

Don’t let the buyer speak for you. You will be required to provide so much financial information and documentation to your lender.

This is not something to let your buyer discuss with your mortgage holder. If you do, you will have no control over what the buyer tells your mortgage holder.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Getting the best deal is always on the mind of the buyer. That could ruin the entire process. A lengthy negotiation period will leave you with absolutely no time to avoid foreclosure if the sale doesn’t work out.

Get a professional to do this for you. It costs you nothing. Never get stuck in your situation and let the process run without your control.

Getting a real estate professional to handle your short sale file is absolutely free and an option worth taking. The mortgage holder pays any real estate fees involved and you pay nothing.

In addition, the mortgage holder knows that it is in their best interest as well as that of the borrower to the have short sale file put together properly by a professional that does not have a conflict of interest right from the beginning.

We’re ready to represent you just the way we have successfully done it for many others. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on How To Convince A Lender To Approve A Jacksonville Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Mistakes To Avoid When Facing Foreclosure

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Jacksonville FL – Mistake #1: Deeding your property to a third party without confirming that your debt has been paid off.

Deeding your house to someone else is one way to avoid foreclosure. However, there are some things you need to do before you make a decision to deed your house to someone else in order to stop foreclosure on your home.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

You will need to consult with an independent attorney, not the buyer’s attorney. Deeding your property will render you powerless.

The new owner will always have control and as such they can do anything with the property, including renting it out and keeping the rent, or even attempting to sell it to make profit.

This may in return have a negative financial impact on you because the new owner might not make your mortgage payments. As you well know, this can cause huge damage to your credit.

Mistake #2: Selling your home at a huge discount.

Take time to explore your options especially when your foreclosure sale is more than 45 days away. Take a day or two making phone calls just to try and find an appropriate solution for your situation.

Do not allow a buyer to push just to get you sell them your property. In such a case, the deal will most likely be favorable to them and not to you. Equity in your home belongs to you.

Mistake #3: Authorizing a prospective buyer to deal directly with your lender.

The buyer will always ask your lender to accept a discounted payoff. The negotiations may be longer than expected and if they fail to agree, the buyer may decide not to buy your property.

This could waste time for you. Before you realize, you may not have time to resolve the situation and avoid foreclosure. In addition, not knowing what goes on between the buyer and your lender may be detrimental to you.

It may happen in such a way that the buyer could handle the negotiation and presentation of information in a way that makes it very difficult for you to resolve your loan situation later.

If you believe that this is the best option for you, please make sure that you consult with a real estate professional or an attorney before signing a contract.

Hiring a real estate professional to represent you costs you nothing as the lender will pay the fees. We have helped homeowners like you and we can do it for you at absolutely no cost.

The worst thing for you to do is to sit back and do nothing about your situation. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: Mistakes To Avoid When Facing Foreclosure is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: How do I benefit from a Short Sale?

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Jacksonville FL – The Stop Foreclosure Institute is closing another short sale tomorrow. The sellers had a job transfer out of state. They were short selling an FHA loan with a second mortgage. The short sale was fairly simple because FHA’s short sale guidelines.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here was how these sellers benefited from the short sale.

Benefit #1: The sellers were able to walk away with the debt wiped out completely. The FHA short sale guidelines released them from the first mortgage debt. The second mortgage also gave them a complete release. At first they weren’t willing to do that. But, we offered them a little extra money in return for a complete release. Fortunately they agreed to it. This meant that the sellers were able to completely wipe out a total of $80,000 in upside down debt.

Benefit #2: Limited Tax Consequences. These sellers will only owe taxes on approximately $30,000 of the loss. Why? Because that was around how much money was borrowed on a home equity line. The Mortgage Debt Relief Act of 2007 states that you will not owe taxes on a loss if you used that money to purchase or remodel your home.

However, if you borrowed and used the money for something else, then you would owe taxes on the loss. You would owe the money whether you short sold, or the lender foreclosed. This is only my opinion after reading the law. I recommend that you talk to a competent tax professional before making any financial decision.

Benefit #3: The will be eligible to buy another home in 2 years. Current Fannie Mae Rules allow homeowners to buy another home 2 years after a short sale. Compare that with the 5-7 year wait after a foreclosure.

Benefit #4: The sellers paid no money for the short sale. Everything was paid for by the lender. The short sale lender paid the real estate agent, title company, and all the other fees. They can look forward to getting their financial life back on track.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty. Jacksonville Short Sales Realtor:

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: How do I benefit from a Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: How To Find Out Who Owns The Loan So You Can Hold Your Bank Accountable

November 24, 2011
Comments 0

Jacksonville FL – In our last post, we talked about how you could contact the entity that owns a loan. But, some people were wondering how they could find out who owned their loan.

“I thought ABC Bank owned my loan. I send them a payment every month”, they told us. Well, here is how to research the owner of your loan.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Between 65% and 70% of all loan losses are borne by Uncle Sam. He has direct/indirect ownership or insures against losses thru the following entities: Fannie Mae, Freddie Mac, Federal Housing Administration (FHA), and the Veterans Loan Program (VA.)

Here is how to find out if your loan is owned by any of those entities.

Fannie Mae. http://loanlookup.fanniemae.com/loanlookup/

Freddie Mac. https://ww3.freddiemac.com/corporate/

FHA. Towards the top right corner of the first page of the mortgage, there should be a small square. Inside the square, it will say “FHA Case Number 091-424240-703.” The case number will be different, but it will still be an FHA loan.

VA. On the mortgage, 1-4 pages past the signature page will be a VA Rider. At the top it will say “NOTICE: THIS LOAN IS NOT ASSUMABLE WITHOUT THE APPROVAL OF THE DEPARTMENT OF VETERANS AFFAIRS.” That is a VA loan.

Now you know how to hold your lender accountable. The remaining loans are probably owned by that bank. If that is the case, then you threaten to contact their stockholders. Anyone want to “crash” a stockholder meeting? Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty.

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: How To Find Out Who Owns The Loan So You Can Hold Your Bank Accountable is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: How To Hold Your Bank Accountable

Comments 0

Jacksonville FL – In our last post, we ranted about how the bankers do a lousy, incompetent job on short sale and loan modification negotiations.

Here is how you can avoid suffering under their incompetence. The key is to hold your bank accountable. Here’s how to do that.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

ell them they can do as good of a job or as bad of a job as they want to on your short sale or loan modification. But, if they do not approve it, and lose money as a result, then you will report them.

Here is an example from an email we sent to a short sale negotiator. (Some of the details have been changed to protect the home seller’s identity.)

1. We have had the property at 193 NE Brock Lane for sale for over 4 months. Any buyer who would be interested in that house knows about it. They have decided not to make an offer.

The current offer is for $230,000. That is the highest and best offer we have received on this house. 2. I do not foresee a better offer coming in.

3. I project that if you reject this short sale and foreclose, then the home will sell for around $200,000. Here is how I came up with that number.

A. The local real estate market is declining by about 5% annually.

B. The foreclosure case is going very slow and will probably run for another 9-12 months.

C. Foreclosures sell for about 10% less than other listings.

4. The loan is owned by Fannie Mae. That means they and every American Taxpayer are the ones that stand to lose $30,000 or more. I will be contacting Fannie Mae, all of the members of congress, and my local newspaper.

I will let them know that you, John Doe, rejected this short sale and caused Uncle Sam to lose (another) $30,000.

Do you see how this holds them accountable? This strategy works for loans mods to. Just run the numbers and see what the projected losses are going to be. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty.

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: How To Hold Your Bank Accountable is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: What Occupy Wall Street Doesn’t Know About Bankers

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Jacksonville FL – Occupy Wall Street Protestors are not having the best success attacking Wall Street and the banks. But, that is because they are complaining about what they think is wrong with the situation.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

If the protestors only knew the level of incompetence in the banks, then they would have a better argument. Here are some of the glaring mistakes we see the bankers make.

1. Doing an incompetent job on short sales and losing tens of thousands of dollars as a result. We have seen many banks turn down short sale offers only to foreclose on the home and sell it for $30,000 less.

2. Kicking people out of their homes only to lose more money as a result. Many people’s homes have dropped in value.

At the same time their income has dropped. But, they can afford to repay the bank, only a lower amount. But, do the banks make the loan modification process easy?

No. Instead, they kick people that could repay them $200,000 out of their homes and then sell the home for $165,000. Again, tens of thousands of dollars are lost.

Yes, I can appreciate that the Occupy Protestors are angry at how hard it is to get a job. But, what about the Americans that are kicked out of their homes?

What about the taxpayers losing thousands bailing out Fannie Mae, Freddie Mac, and FHA? A large part of that bailout cost is attributable to the lousy job banks are doing on short sales and loan modifications.

I think homeowners and taxpayers getting the raw end of the deal are the silent majority. But, we don’t have time to protest. so, the banks get away with incompetence. Enough of my rant.

Do you want to be part of the solution. Get a loan modification or short sale your home. You will be doing your part to help the economy. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at jaxssblog@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty.

Phone: 904-900-5555. jaxssblog@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: What Occupy Wall Street Doesn’t Know About Bankers is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Do the Problems In Greece Affect Us?

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Jacksonville FL – The Greeks are finding themselves in hot water. They have maxed out their credit.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

The government borrowed money and is having a hard time paying it back today. Here is what most people don’t understand about how a national economy works.

When the government reduces interest rates to boost the economy and spending, they are actually only acting as a co-signer on the loan. Here is a real life comparison.

Let’s say a wealthy person has lots of kids. I’ll call him Mr. Wealthy. To boost his kid’s economic activity he lends them money at 1% interest.

However, because he has so many kids, pretty soon he has lent all of his own money. So he starts borrowing money from someone else at 6%.

Pretty soon he has maxed out his credit. In addition, he is also paying the difference in interest payments between 1% and 6% each month. That difference is almost ready to eat up his remaining savings. After he runs out of money; he’ll be broke. Let me ask you a question?

How much longer will his kids be able to enjoy below market 1% interest rates? It doesn’t sound like much longer to me.

This is what happens when a government with a good credit rating borrows money and re-lends it to citizens for below market interest rates.

It sounds to me like Greece borrowed a lot of money from foreigners and is now having a hard time repaying the debt. A bailout from Germany, the EU, and the IMF hasn’t stopped their problems yet.

And it doesn’t look like it will be anything other than a short term band-aid. Many say that when Greece does default it will send shock waves thru the global economy.

Who really knows? Either way, it is still a good idea to get rid of upside down debt with a short sale. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at mikekwcv@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 904-900-5555

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Jacksonville loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Chris Curry.

Chris is a Real Estate Broker at Curryteam Realty.

Phone: 904-900-5555. mikekwcv@gmail.com.

Educating Jacksonville Homeowners on Their Options to Avoid Foreclosure

View My homes for sale at www.CurryTeam.com.

Chris Curry specializes in loan modification assistance and short sales in Jacksonville Florida. Jacksonville Short Sales, Jacksonville Loan Modification Help. Jacksonville Short Sale Realtor. Jacksonville FL Short Sales. Jacksonville Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Chris Curry, Curryteam Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Chris’s personal views and do not reflect the views of Curryteam Realty.

This information on Jacksonville Short Sales: Do the Problems In Greece Affect Us? is provided as a courtesy to our viewers to help them make informed decisions.

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