Short-Sale vs. Foreclosure

You're About To Discover How You Can Sell Your Home At Its Current Market Value, Avoid Foreclosure, Save Your Credit And Owe Your Lender Absolutely Nothing - For FREE!

Dear Neighbor,

You may have already heard about the free home selling strategy most commonly referred to as a real estate short sale and how people use them to avoid foreclosure .

In fact, you might be in a situation yourself where you can no longer afford your mortgage and are facing foreclosure. If that's the case, a real estate short sale is quite possibly the perfect solution.

My name is Stephanie Young and I've helped people just like you avoid foreclosure, save their credit and live to fight another day using the short sale method and I'm certain that my advice if applied, can work miracles for you and your family as well.

Since beginning my real estate career in 2007 I've helped a lot of people sell their homes and investment properties using powerful home selling strategies including the real estate short sales method.

If you're already behind on your payments, stop reading right now and call me at 949-342-4177 to discuss our options or you can input your information below for me to contact you.

You have nothing to fear. I promise you'll remain completely anonymous and when we're done you'll have the peace of mind that comes with knowing exactly what options you have for the situation you're facing right now. By acting quickly, you can likely avoid foreclosure and save your credit.

Is Yours A Recourse or Non-Recourse Loan?

WARNING: Theexpert you want on your team must know the difference between a recourse loan and a non-recourse loan. Knowing these things can either stop a foreclosure dead in its tracks OR ruin your credit and cost you thousands! You'd be shocked to discover the devastating effects a recourse loan can have on you for the next 20 years if the bank forecloses on your home. You MUST avoid this.

You're in for real trouble if your agent doesn't know the re-course laws in your state and how the banks use them to their advantage. Do not expose yourself to possible financial ruin by working with an inexperienced real estate agent.

Home Affordable Foreclosure Alternatives Program (HAFA)

In 2009, the Treasury Department introduced the HAFA program in part to help simplify and streamline the short sale process for the millions of home owners unable to successfully modify their mortgages through the existing Home Affordable Modification Program (HAMP).

In a short sale, your lender allows you to list and sell your property with the understanding that the net proceeds from the sale may be less than the total amount due on the first mortgage. With HAFA, a lender may not require a cash contribution or promissory note from the borrower and must forfeit the ability to pursue a deficiency judgment against the borrower.

By providing a standard process flow, minimum performance time frames and standardized documentation, HAFA makes it easier for home owners to sell their homes and avoid foreclosure. HAFA takes effect on April 5, 2010 and is set to expire on December 31, 2012.

We Know HAFA, We Know Banks and We Know Buyers!

My team understands real estate and banking and we already have relationships with many of the major banks asset managers. We know exactly what to say to each lender on each type of loan. Not only that, our computer is loaded with the names and contact information of senior managers and...

Since we have the direct contact numbers for senior loss mitigation manager's at most major banks and plenty of smaller institutional lenders we often can get your file approved more quickly, often getting them pushed to the front of the line.

We Provide Everything You'll Need From An Expert Advisor.

  • Experience selling homes in difficult market conditions.
  • Years of experience negotiating with loss mitigation and asset managers.
  • The systems, structure and contacts required to get your real estate short sale approved and closed quickly and with the least amount of hassle.

So... I hope this information helps you. I provided it so that you can make the very best decision for you. My philosophy has always been to provide people with the critical information they need to make informed and educated decisions so they can decide what's best for themselves.

I don't try to sell, convince, cajole or pressure anybody to use my services, I simply answer questions and provide the best advice I can based on my professional experience. The end result is that many people appreciate my advice and ask for my help, which in the case of real estate short sales is absolutely free.

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