Stop Foreclosure Institute of Jacksonville Assisting Homeowners in Distress

Jacksonville Short Sales: Some of the Stupid Things Banks Do On Short Sales

February 29, 2012
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Jacksonville FL – I have something shocking to tell you. Bankers are not as smart as you or I think they are. You know the “perfect banker” that we meet in public.

The person has never missed a payment, never been late, and has always had a bunch of savings in the bank. They sneeringly look down on normal Americans that haven’t saved their money like Scrooge Chuck.

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

Here is the sad truth. Although they think that they are so smart with money, they actually are not. And today I’ll show you one example why.

Let’s look at how 90% of the banks handle the short sale process. When an offer comes in on a short sale, it takes 30-60 days for a person at the bank to look at the offer.

Then, that person orders an appraisal on the property. After that appraisal comes back, the bank employee reviews the property value and the home seller’s personal financial situation.

Based on that, they approve or deny the short sale offer. They do this to avoid approving short sales when either a homeowner can still afford the house or the house is selling to low. Seems like a smart way to do things, right?

Here comes the stupid part. What do they do if the short sale offer is rejected? Well, they tell the buyer to hit the road and close the file. Everything gets thrown out. The appraisal is thrown out. And all the time that employee spent looking at the seller’s finances is thrown out.

Which means that they have to do all of that work again when a new short sale offer comes in. What’s worse is that it causes the banks to lose millions of dollars.

As an example, an agent I know told me about a short sale property he handled. “The first offer for $275,000 was rejected by the bank. Several more offers were rejected over the next year.

The housing market continued to decline. Finally almost 2 years later they accepted an offer for $235,000. Yes, they lost $40,000 because of the flawed short sale process.

That’s a pretty dumb way to handle things, isn’t it? And yet, most bankers sneeringly think they are responsible with money! It’s crazy, isn’t it?

As you can see, the key to a successful short sale and avoiding the mark of a foreclosure on your credit. 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: Some of the Stupid Things Banks Do On Short Sales is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Bank of America Still Has Huge Problems

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Jacksonville FL – In 2010, an agent I know talked to the person at Bank of America in charge of the Loss Mitigation Department.

He was the top manager in the department that handles short sales, loan modifications, and foreclosures. He contacted this agent because agents were banding together to educate the public on the mistakes he thought that Bank of America was making.

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

Today, almost 2 years later, Bank of America is starting to make a few, small changes to the short sale process. This agent recommended small changes to how Bank of America handled the short sale process.

He recommended several changes that would be easy to implement. But, it still took almost 2 years for them to implement those small changes. Why?

We think it was because Bank of America has been in crisis mode since the beginning of 2009. It’s hard to make proactive changes when you are putting out fires every day.

Will Bank of America ever recover? Will the ever fix the processes they use to handle loan modifications and short sales?

Well, at the slow rate they are going it will be a while before we see any progress. 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: Bank of America Still Has Huge Problems is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Why The Lack of Accountability Has Hurt The Housing Market & US Economy

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Jacksonville FL – The National Consumer Law Center wrote a White Paper on how banks handle loan modifications, short sales and foreclosures.

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

They titles their White Paper “Why Servicers Foreclose When They Should Modify and Other Puzzles of Servicer Behavior.” Check out the White Paper at this link: http://www.nclc.org/images/pdf/pr-reports/report-servicers-modify.pdf.

The “servicer” they are referring to is a bank that is handling a mortgage for another entity.

As an example, around 80% of all of Bank of America’s mortgages are not owned by Bank of America. Instead, they are owned by another entity like Fannie Mae or a hedge fund.

Bank of America is simply handling the accounting, tax filings, and the foreclosure and collections process. The Consumer Law Center thought it was “puzzling” that servicers preferred foreclosure over loan modification.

The reason that the servicers prefer it is because it is less work and they make more money in the process. But, I don’t think it is puzzling. Why not?

Because there is almost zero accountability! The owners of these mortgages never check in on the process. They don’t know that a servicer denied a short sale offer for $385,000, only to see the property sell for $230,000 as a foreclosure.

Because they are not checking on things Uncle Sam and the owners of these loans are seeing huge, unnecessary losses. Pretty sad, isn’t it? 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: Why The Lack of Accountability Has Hurt The Housing Market & US Economy is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: What To Look For In A Buyer’s Offer

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Jacksonville FL – Short sales often get multiple offers from different buyers. Which offer should you accept over the others?

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

Most people would assume that you would automatically pick the offer with the highest price. However, this isn’t always a good idea.

The offer with the highest price may have the shakiest financing. Most short sale lender issue a deadline when they approve a short sale. They state that their approval is only good for 30 days.

After 30 days, then they short sale has to be re-negotiated from scratch. That only causes the process to drag out another 2-6 months. So, you want to make sure the buyer’s offer is strong and that their financing is approved.

In this case, a little lower price might be worth considering versus a higher price with an unqualified buyer. Another thing to consider is repairs. Some short sales need repairs before they can be financed.

Most loan programs are for homes in good condition. If your home needs repairs, then most of the buyers won’t get approved for a loan until those repairs are completed. But, not every buyer has lots of cash on hand to make repairs.

Ask your agent for advice on which offer to accept. The offer with the highest price and best qualifications is the one you should pick. 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: What To Look For In A Buyer’s Offer is provided as a courtesy to our viewers to help them make informed decisions.

Jacksonville Short Sales: Is Renting or Buying Back a Short Sale Mortgage Fraud?

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Jacksonville FL – In many cases, short selling your home and then renting or buying it back is considered mortgage fraud. Because loan modifications are so difficult many homeowners are considering selling their home and then renting it from the new owner.

Many homeowners look at this as the best way to get their loan balance reduced.

“I owe 400k, my house is worth 200k, and the bank won’t reduce the amount I owe on a loan modification. I’ll just sell the home to my friend, rent it from him, and then but it back in 2-3 years after I fix my credit”, they think to themselves.

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

The Bankers are afraid that if this is allowed, then everyone will want to short sale their house and then rent it from the new owner. To discourage this, some banks are now forcing everyone involved to sign affidavits before they will approve the short sale.

The affidavit says something similar to the following: “There is no agreement, oral or written, between the seller and buyer which allows the sellers to remain in the property as tenants or to regain ownership of the property at any time after the property sells.”

The bottom line is that the banks don’t like short sale leasebacks. If they find out after closing, then you could face criminal prosecution. How exactly?

Well, have you read your entire 18 page mortgage from front to back? Have you read the entire short sale approval letter and all the other short sale documentation? A clause could be anywhere in the paperwork and cause you lots of issues down the road.

So, are short sale leasebacks illegal? I don’t know for sure. I definitely would not do it if I had to sign an affidavit like the one above. If there is nothing like that, then talk to a competent attorney first.

But, even a good lawyer can’t guarantee you won’t face future legal and/or criminal problems. They can only give you their opinion. Many attorneys have different opinions on a legal subject.

The only person’s opinion that matters is a judge who makes the decision on the case. If you are considering a short sale leaseback, then I would simply recommend short selling and renting another home until you can buy again.

It’s just simpler and you will sleep better at night. 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: Is Renting or Buying Back a Short Sale Mortgage Fraud? is provided as a courtesy to our viewers to help them make informed decisions.

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.

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