Who do you know that needs to be saved from an impending Foreclosure.
We are funded from the lenders Stimulus Money, so there is no net cost to you !
... No Matter What You Owe ! ...Who do you know that needs to be Saved from From Foreclosure, but has no Money ?
Our Experienced Intention is, to ease the Burden of your house payments, and to help you move into a more affordable Home..(.possibly the one you live in for about 1/2)....
24Hr recorded message gives details:1 866 866 6662 x5555 ....
Any type of situation will be considered, for you or a deserving Friend.
We have several years of experience helping our Friends and Family, and we will give you the benefit of this experience, at no Cost to you.
..It's not an insult to seek 'Professional Help"
Jill Berni - Broker/Owner Celebrating 30 Years of Customer Service...Licensed and Fully Insured.....
Serving: SACRAMENTO,EL DORADO,and PLACER County,CA.
OakTree Real Estate Services
DRE#01043608.
http://www.ResistForeclosure.net
24Hr recorded message gives details:1 866 866 6662 x5555
***************************** Licensed ************************** Fully Insured ****************
SERVING:
Sacramento County
El Dorado County
Placer County
Realtor in El Dorado Hills,Realtor, http://www.ResistForeclosure.net ,Oak tree home and loan,El Dorado County, Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM CaDRE#01043608 •Location: Sacramento El Dorado Placer * Location: Sacramento - El Dorado - Placer , Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM Broker#01043608 •Location: Sacramento Placer El Dorado,...Realtor in El Dorado Hills,Realtor,Oak tree home and loan, El Dorado Hills,CA,REO,inventory,MLS,listings,evaluation,appraisal,Bank-owned,Sacramento,home,loan,first time,buyer,mortgages,my,real estate,forclosure,foreclosure,lendingtree,purchase 100%,relocation,find,Asset Management,home,loans,pre foreclosure,pre forclosure, short sale,foreclosure mortgage, stop foreclosure, foreclosure credit ,foreclosure help, bankruptcy foreclosure, pre foreclosure, deed lieu short sell, deed lieu of foreclosure, foreclosure loan, to stop foreclosure, avoid foreclosure, mortgage foreclosures, foreclosure prevention, short foreclosure, short sale foreclosure, what is foreclosure, what is short sale, avoid bankruptcy ,home short sale, foreclosure refinance, preforeclosure, to avoid foreclosure, shortsale, foreclosure bailout, 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process, stop foreclosures now, stop forclosure now, after foreclosure assistance.,Oak, tree, oaktree,realestate,Oak tree. http://www.GoToOakTree.com
*Don't Hire Any Realtor to Sell Your Home, until you read this... (...Sacramento - Placer -El Dorado County) Tuesday, March 23, 2010 2:06 PM
When You Absolutely, Positively NEED to Get Out of Your House...
you Must hire the most Experienced Broker you can find....
Not all Realtors' have been Fully Trained by Dozens of years of Successful Experience !
http://www.SellYourHomeForAllitsWorth.com
Jill Berni, Specialized Broker
Celebrating 30 years of Customer Service......"You can't bring her a Problem that she hasn't Solved before"....( no brag, just fact )
Serving Northern California:
Sacramento County
El Dorado County
Placer County
CaDRE#01043608
Including:
Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service
...Realtor in El Dorado Hills,Realtor,Oak tree home and loan, El Dorado Hills,CA,
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Know Someone Facing Foreclosure? You can be an Anonymous Benefactor (Sacramento Placer, El dorado County) Tuesday, March 23, 2010 2:04 PM
Help someone you know Avoid "7years Bad Luck"in the Credit World... Know someone Facing Foreclosure?....Help us to help them at no Cost.
We Beat the Banks at Their Own Game...20 years Experience...No Fee ever..
..local Broker has all the details, so feel confident there is a real Solution.
* Having helped Family members out of Foreclosure, has made us Sensitive to the exact solutions and procedures as necessary.
* There is never a fee.
* Everyone knows someone in this dilemma, and they should be Honor-Bound to ask us to help them.
* Best of all, you can be an anonymous benefactor..Refer them with confidence, to Experienced Agents that are Bonded, Licensed, and Fully Insured.
Your good deed will be confidential!
http://www.ResistForeclosure.net/
24Hr recorded message gives details: 1- 866 866 6662 x5555
SERVICE AREA (NORTHERN CALIFORNIA)
SACRAMENTO COUNTY,
EL DORADO COUNTY,
PLACER COUNTY.
******************************* Licensed ******************** Fully Insured *****************
Serving Northern California
Including:
.Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693). Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM Broker#01043608 •Location: Sacramento Placer El Dorado ,Realtor in El Dorado Hills,Realtor,Oak tree home and loan, El Dorado Hills,CA,REO,inventory,MLS,listings,evaluation,appraisal,Bank-owned,Sacramento,home,loan,first time,buyer,mortgages,my,real estate,forclosure,foreclosure,lendingtree,purchase 100%,relocation,find,Asset Management,home,loans,pre foreclosure,pre forclosure, investors,roseville,homes,apply,rates,report,experian,short sale,credit report,bank owned,house,my house,stop foreclosure,bulk purchase,properties,inventory,California, mortgage,relocating,non performing,BPO,Broker opinion,Lenders,Jill Berni,Placer,Mortgage Broker, Rates,purchase,for sale,refinance,purchase, consolidate,cash out,homeloan,rates, Equity,Refinancing,qualified,prequalified,qualify,prequalify,pre qualified,pre qualify,Jill Berni,Berni,Agent,Shortsale,short-sale,short sale,R.E.O.,preforeclosure,preforclosure,foreclosure,BPO,bank owned,asset,repo,oak,tree,citrus heights,loan,apply on-line,sell,sale,sold,selling,lending,purchase,100%,relocation,home depot,reo speedwagon,construction,realtor,realtor.com, investors,northern california,new,apply,Find,Placer,el dorado,eldorado,credit,first time,homebuyer,Auburn,antelope,cameron park,cameron park,lotus,cool,rescue,placerville,serrano,rancho murieta,sloughhouse,slough house,carmichael,gold river,el dorado hills,elk grove,elverta,folsom,rescue,empire ranch,granite bay,laguna,lincoln,placerville,rancho cordova,rancho murieta,shingle springs,citrusheights,citrus hts, West sacramento,placer,county,Oak, tree, oaktree,realestate,Oak tree.
Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax
Home & Loan
Broker#01043608
Are You Living in the Wrong House... Need a No Cost Solution ? (.Sacramento El Dorado Placer County) Tuesday, March 23, 2010 1:53 PM
No Matter What You Owe, or Your Current Financial Situation..
.I will help you out with an simple Exit Strategy, and I Promise that you will "Land Well" !
http://www.ResistForeclosure.net
24Hr recorded message gives details:1 866 866 6662 x5555
SERVICE AREA (NORTHERN CALIFORNIA)
Sacramento County,
El Dorado County,
Placer County
********************************************* Licensed ************************** Fully Insured *************************
.Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693).
Jill Berni -
Celebrating 30 Years of Customer Service
BROKER/OWNER
Broker#01043608
>
********************************************* Licensed ************************** Fully Insured *************************
Placer El Dorado ,Realtor in El Dorado Hills,Realtor,Oak tree home and loan, El Dorado Hills,CA,REO,inventory,MLS,listings,evaluation,appraisal,Bank-owned,Sacramento,home,loan,first time,buyer,mortgages,my,real estate,forclosure,foreclosure,lendingtree,purchase 100%,relocation,find,Asset Management,home,loans,pre foreclosure,pre forclosure, investors,roseville,homes,apply,rates,report,experian,short sale,credit report,bank owned,house,my house,stop foreclosure,bulk purchase,properties,inventory,California, mortgage,relocating,non performing,BPO,Broker opinion,Lenders,Jill Berni,Placer,Mortgage Broker, Rates,purchase,for sale,refinance,purchase, consolidate,cash out,homeloan,rates, Equity,Refinancing,qualified,prequalified,qualify,prequalify,pre qualified,pre qualify,Jill Berni,Berni,Agent,Shortsale,short-sale,short sale,R.E.O.,preforeclosure,preforclosure,foreclosure,BPO,bank owned,asset,repo,oak,tree,citrus heights,loan,apply on-line,sell,sale,sold,selling,lending,purchase,100%,relocation,home depot,reo speedwagon,construction,realtor,realtor.com, investors,northern california,new,apply,Find,Placer,el dorado,eldorado,credit,first time,homebuyer,Auburn,antelope,cameron park,cameron park,lotus,cool,rescue,placerville,serrano,rancho murieta,sloughhouse,slough house,carmichael,gold river,el dorado hills,elk grove,elverta,folsom,rescue,empire ranch,granite bay,laguna,lincoln,placerville,rancho cordova,rancho murieta,shingle springs,citrusheights,citrus hts, West sacramento,placer,county,Oak, tree, oaktree,realestate,Oak tree •Location: -Sacramento -El Dorado -Placer . ). http://www.goyooaktree.com
You Can't bring her a Problem that she hasn't Solved before... (Sacramento Placer El Dorado) Tuesday, March 23, 2010 1:49 PM
...no brag just fact !......JILL BERNI - "Celebrating 30 years of Customer Service"
We Saved This Home From Foreclosure, and Helped Them Avoid 7 Years of Bad Credit ....
Jill Berni - Celebrating 30 Years of Customer Service
BROKER/OWNER
916 834-2822 916 933-4454 -fax
WWW.GOTOOAKTREE.COM
•Locations:
Sacramento
El Dorado
Placer
*********************************************************************************************************************
SERVICE AREA
SACRAMENTO COUNTY,
EL DORADO COUNTY,
PLACER COUNTY
. Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER
Broker#01043608
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*Program Will Pay Homeowners to Sell at No Loss to Them ! (Sacramento - Placer - El Dorado County) Tuesday, March 23, 2010 1:46 PM
By DAVID STREITFELD
New York Times excerpt: March 7, 2010
In an effort to end the foreclosure crisis, the Obama administration has been trying to keep defaulting owners in their homes. Now it will take a new approach: paying some of them to leave.
This latest program, which will allow owners to sell for less than they owe and will give them a little cash to speed them on their way, is one of the administration’s most aggressive attempts to grapple with a problem that has defied solutions.
More than five million households are behind on their mortgages and risk foreclosure. The government’s $75 billion mortgage modification plan has helped only a small slice of them. Consumer advocates, economists and even some banking industry representatives say much more needs to be done.
For the administration, there is also the concern that millions of foreclosures could delay or even reverse the economy’s tentative recovery — the last thing it wants in an election year.
Taking effect on April 5, the program could encourage hundreds of thousands of delinquent borrowers who have not been rescued by the loan modification program to shed their houses through a process known as a short sale, in which property is sold for less than the balance of the mortgage. Lenders will be compelled to accept that arrangement, forgiving the difference between the market price of the property and what they are owed.
“We want to streamline and standardize the short sale process to make it much easier on the borrower and much easier on the lender,” said Seth Wheeler, a Treasury senior adviser.
The problem is highlighted by a routine case in Phoenix. Chris Paul, a real estate agent, has a house he is trying to sell on behalf of its owner, who owes $150,000. Mr. Paul has an offer for $48,000, but the bank holding the mortgage says it wants at least $90,000. The frustrated owner is now contemplating foreclosure.
To bring the various parties to the table — the homeowner, the lender that services the loan, the investor that owns the loan, the bank that owns the second mortgage on the property — the government intends to spread its cash around.
Under the new program, the servicing bank, as with all modifications, will get $1,000. Another $1,000 can go toward a second loan, if there is one. And for the first time the government would give money to the distressed homeowners themselves. They will get $1,500 in “relocation assistance.”
Should the incentives prove successful, the short sales program could have multiple benefits. For the investment pools that own many home loans, there is the prospect of getting more money with a sale than with a foreclosure.
For the borrowers, there is the likelihood of suffering less damage to credit ratings. And as part of the transaction, they will get the lender’s assurance that they will not later be sued for an unpaid mortgage balance.
For communities, the plan will mean fewer empty foreclosed houses waiting to be sold by banks. By some estimates, as many as half of all foreclosed properties are ransacked by either the former owners or vandals, which depresses the value of the property further and pulls down the value of neighboring homes.
If short sales are about to have their moment, it has been a long time coming. At the beginning of the foreclosure crisis, lenders shunned short sales. They were not equipped to deal with the labor-intensive process and were suspicious of it.
The lenders’ thinking, said the economist Thomas Lawler, went like this: “I lend someone $200,000 to buy a house. Then he says, ‘Look, I have someone willing to pay $150,000 for it; otherwise I think I’m going to default.’ Do I really believe the borrower can’t pay it back? And is $150,000 a reasonable offer for the property?”
“You have one loan, it’s no sweat to get a short sale,” said Howard Chase, a Miami Beach agent who says he does around 20 short sales a month. “But the second mortgage often is the obstacle.”
Major lenders seem to be taking a cautious approach to the new initiative. In many cases, big banks do not actually own the mortgages; they simply administer them and collect payments. J. K. Huey, a Wells Fargo vice president, said a short sale, like a loan modification, would have to meet the requirements of the investor who owns the loan.
“This is not an opportunity for the customer to just walk away,” Ms. Huey said. “If someone doesn’t come to us saying, ‘I’ve done everything I can, I used all my savings, I borrowed money and, by the way, I’m losing my job and moving to another city, and have all the documentation,’ we’re not going to do a short sale.”
But even if lenders want to treat short sales as a last resort for desperate borrowers, in reality the standards seem to be looser.
Steve Reddy, a lawyer and commercial real estate investor who lives in Miami Beach, bought a one-bedroom condominium in 2005, spent about $30,000 on improvements and ended up owing $540,000. Three years later, the value had fallen by 40 percent.
Mr. Reddy wanted to get out from under his crushing monthly payments. He lost a lot of money in the crash but was not in default. Nevertheless, his bank let him sell the place for $360,000 last summer.
“A short sale provides peace of mind,” said Mr. Reddy, 32. “If you’re in foreclosure, you don’t know when they’re ultimately going to take the place away from you.”
Mr. Reddy still lives in the apartment complex where he bought that condo, but is now a renter paying about half of his old mortgage payment. Another benefit, he said: “The place I’m in now is nicer and a little bigger.”
A version of this article appeared in print on March 8, 2010, on page A1 of the New York edition.
courtesy of JILL BERNI, Home & Loan Broker, Celebrating 30 years of Customer Service.
"You can't bring her a Problem that she hasn't Solved before"
Why are Wachovia/World Savings the Only ones to Offer a $25OO Reward? (Sacramento- Placer - El Dorado County) Tuesday, March 23, 2010 1:37 PM
At last,... We have been in discussion with upper management at Wachovia bank, regarding their Delinquent World/Wachovia Loans.
They are willing to allow us to help "Surrender" these loans, and in exchange they will allow YOU to receive a possible $2500 Relocation Assistance, and cancel the debt!
No matter what you owe, no matter if you are borrowing your payments just to appear to be "current".
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Soon all Lenders will follow, but for now get on board before too many people move ahead of you
24Hr recorded message gives details: 1 866 866 6662 x5555
JILL BERNI, Broker - Celebrating 30 years of Customer Service
"You can't bring her a Problem that she hasn't Solved before"
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CaDRE#01043608
Are You Really Stealing from your Savings to make your House Payments? ( Sacramento - El DoradoCounty- Placer) Tuesday, March 23, 2010 1:33 PM
You will soon start tripping over everything you have "Swept under the Rug"...please stop the insanity !
Remember: It's not an insult to seek Professional Help beyond what you might be familiar with.
Stop "Self Medicating, and contact the most Experienced person you can find...Someone with Dozens of years of successful Professional success...(at no cost to you)...no matter what you owe...
********************** Licensed ******************* Fully Insured ***************************
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Help Save your Credit Rating, or the Creditworthiness of Someone You Know.
Who you know that is behind on their House Payments...?
Better still, who do you know that is borrowing from their Savings or Credit, trying to fool the Bank into thinking they are "current" ...
Banks have recently changed the way they do business. Finally, the Rules have changed in your favor, to avoid a Foreclosure, and "7 years Bad Luck"
There is no reason not to do a Short Sale or Loan Modification...if handled Properly!
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Act now, while the Systems are in place to help you get out from under the Burden of your House Payment.
Most Others Here Can't Compare with our Valuable Experience !
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Specializing in working with homeowners and Investors, who need to sell and have no equity/upside down.
If you have a Notice of Default or Trustee Sale Date it's NOT too late to save your credit from a foreclosure. A Short Sale Modification may be the answer.
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SERVICE AREA (NORTHERN CALIFORNIA)
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BROKER/OWNER
********************** Licensed ******************* Fully Insured ***************************
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You're Stealing from your Savings to make your House Payments?..Really (.Sacramento -Placer -El Dorado County) Tuesday, March 23, 2010 1:32 PM
.You're not alone. Lots of people, just like you, are Borrowing from their Credit Cards, and their Life Savings...just to "Appear" current on their Credit report..
.You will soon start tripping over everything you have "Swept under the Rug"...please stop the insanity !
.Stop "Self Medicating, and contact the most Experienced person you can find...Someone with Dozens of years of successful Professional success...(at no cost to you)...no matter what you owe...
********************** Licensed ******************* Fully Insured ***************************
..Just Visit: http://www.LoanModification-vs-ShortSale.com
.Help Save your Credit Rating, or the Creditworthiness of Someone You Know.
Who you know that is behind on their House Payments...?
Banks have recently changed the way they do business. You can Avoid "7 years Bad Luck"on your Credit Report.
.There is no reason not to do a Short Sale or Loan Modification...to reduce your Huge Loan Balance!
.Learn how to beat Foreclosure, and save your Credit:
24Hr recorded message gives details: 1 866 866-6662 x5555
.Don't let "analysis turn into paralysis"
.Act now, while the Systems are in place to help you get out from under the Burden of your House Payment.
.
..Remember: It's not an insult to seek Professional Help beyond what you might be familiar with.
*.Licensed,
*.Fully Insured
*.Lifelong Resident of this Area...not a "carpetbagger" that blew into Town to take advantage of a Bad Situation
* .Highly Specialized Broker,
( I Have Personally Helped 1OOs of Home Owners with their Exit Strategies, over the Past 30 Years...)
If you have a Notice of Default or Trustee Sale Date it's NOT too late to save your credit from a foreclosure. A Short Sale Modification may be the answer.
Even if you're not behind in payments, I can work for you, with NO damage to your credit.
Many no cost Options
24Hr recorded message gives details: 1 866 866-6662 x5555
JILL BERNI Home & Loan Broker - Celebrating 30 years of Customer Service
"you can't bring her a Problem that she hasn't Solved before"
http://www.ResistForeclosure.net
Jill Berni - Celebrating 30 Years of Customer Service
BROKER/OWNER
********************** Licensed ******************* Fully Insured ***************************
SERVICE AREA (NORTHERN CALIFORNIA)
SACRAMENTO COUNTY,
EL DORADO COUNTY,
PLACER COUNTY
including:
Sacramento Valley, Sierra Foothills,Garden Valley (95633), Rescue (95672), Shingle Springs / Cameron Park (95682), Coloma (95613), Placerville (95667,) El Dorado Hills (95762), Cool (95614), Pilot Hill (95664), El Dorado (95623), Diamond Springs (95619), Lotus (95651), Placer County, Penryn (95663), Rocklin (95677), Granite Bay (95746), Roseville (95661), Lincoln (95645) Roseville (95747), Lincoln (95648), Roseville (95678), Loomis (95650), Newcastle (95658). Sacramento County, Carmichael (95608), North Sacramento Natomas Del Paso Heights (95838), Sacramento Elder Creek Fruitridge (95820), Citrus Heights (95621), North Sacramento Natomas Del Paso Heights (95833), Sacramento Elder Creek Fruitridge (95824), Sacramento Downtown Midtown (95816), North Sacramento Natomas Del Paso Heights (95835), Sacramento Florin & Vicinity (95829), North Sacramento Natomas Del Paso Heights (95834), North Sacramento Natomas Del Paso Heights (95836), Sacramento Florin & Vicinity (95830), East Sacramento & Vicinity (95817), Orangevale (95662), SACRAMENTO COUNTY Sacramento Florin & Vicinity (95828), East Sacramento & Vicinity (95819), Ranch Cordova Gold River (95670), Sacramento Foothill Farms (95842), Elk Grove (95758), Rancho Cordova (95742), Sacramento Franklin Freeport Vicinity (95823), Elk Grove (95757), Rancho Murieta (95683), Sacramento Franklin Freeport Vicinity (95832), Elk Grove (95624), Represa (95671), Sacramento International Airport & Vicinity (95837), Elverta (95626), Rio Linda (95673), Sacramento Land Park Curtis Park (95818), Fair Oaks (95628), North Highlands& Vicinity (95660), Sacramento Rosemont College Greens Mayhew (95827), Folsom & Vicinity (95630), Sacramento Antelope (95843), Sacramento Rosemont College Greens Mayhew (95826), Galt (95632), Sacramento Arden Arcade Creek Vicinity (95821), Sacramento So Land Park Greenhaven (95831), Herald (95638), Sacramento Arden Arcade Creek Vicinity (95841), Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown (95814), Sacramento Arden Arcade Creek Vicinity (95864), Sacramento Arden-Arcade Creek Vicinity (95815), Mather (95655), Sacramento Arden Arcade Creek Vicinity (95825), Wilton (95693).
Advanced Specializations in:
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