Orange County Short Sale Specialist

Orange County lenders foreclosing on christmas eve?

Hello my dear fellow Americans, what do you think about this? Fannie Mae, Freddie Mac and other Financial institutions are suspending foreclosure and eviction procedures for three weeks average, what would you think?

http://www.fanniemae.com/newsreleases/2009/4893.jhtml?p=Media&s=News+Releases

It is good news?, well perhaps it is, it will at least allow families to have a moment of peace, but how much for real, these families will enjoy?

Fannie and other financial institutions are giving homeowners a few more days before they get tossed on the street, this is a very difficutl time for those homeowners that are facing their american dream to fly away, anyway I agree with this decision. What's the sense of kicking people out to the streets over the holidays? We are supposed to be a compassionate people, live the christmas spirit. I am not sure that those who get this two-week reprieve will really be enjoying Christmas Eve. Waiting for the moment to vacate their homes, their dreams.

Merry Christmas !

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•    Are You Going To Fall Behind Your Mortgage Payment?   •  

•    Have You Received A Certified Letter From Your Lender or Servicer?    •

•    Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?    •     

•    Are You In Pre-Foreclosure or Foreclosure Procedures?    •

•    Have You Received Correspondence Of Notice Of Default?    •    

•    Is Your Company Relocating You Or You Need To Relocate?    •   

•    Not Enough Equity To Refinance or Sell?    •

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE,

BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•    IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

http://hosted.cdpe.com/carl-got-help

www.carlmorales.com

www.orangecountycashortsale.com

How to avoid foreclosure in orange county, and in any other counties...

First of all you need to understand that in order to be in foreclosure procedure is because you (the borrower) has failed to make at least 3 consecutive payments to your lender or servicer and have not been able to get into any workout solution with your lender in order to avoid this situation.

If you are going through a financial or any other kind of hardship that is preventing you from making you mortgage payment, CALL YOUR LENDER and explain your situation, most of the time they are willing to offer you a temporal solution so you can avoid foreclosure procedures.

If you have talked to your lender or servicer and you have not come to any solution or agreement, call a counseling agency and explain what have you attempted to do so far to avoid foreclosure, they may have other ways to help you negotiate with your lender a temporal or permanent solution.

BUT WHAT IT MATTER THE MOST IS, You need to take action! you need to contact your local real estate agents, your local credit counseling agency and your lender/servicer, and request HELP. if you keep it to yourself, if you think you know it all, if you think you can handle it with no one assistance, I'm sorry to tell you this BUT you are mistaken! You are the affected party, your emotions no matter how strong you are, they will not be 100% focused on a work out solution but on a problem.

Many Agents (including myself) are willing to help you for free to get through this situation. Don't be afraid to call.

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•    Are You Going To Fall Behind Your Mortgage Payment?   •  

•    Have You Received A Certified Letter From Your Lender or Servicer?    •

•    Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?    •     

•    Are You In Pre-Foreclosure or Foreclosure Procedures?    •

•    Have You Received Correspondence Of Notice Of Default?    •    

•    Is Your Company Relocating You Or You Need To Relocate?    •   

•    Not Enough Equity To Refinance or Sell?    •

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE,

BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•    IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

 AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•    Are You Going To Fall Behind Your Mortgage Payment?   •  

•    Have You Received A Certified Letter From Your Lender or Servicer?    •

•    Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?    •     

•    Are You In Pre-Foreclosure or Foreclosure Procedures?    •

•    Have You Received Correspondence Of Notice Of Default?    •    

•    Is Your Company Relocating You Or You Need To Relocate?    •   

•    Not Enough Equity To Refinance or Sell?    •

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE,

BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•    IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•    Are You Going To Fall Behind Your Mortgage Payment?   •  

•    Have You Received A Certified Letter From Your Lender or Servicer?    •

•    Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?    •     

•    Are You In Pre-Foreclosure or Foreclosure Procedures?    •

•    Have You Received Correspondence Of Notice Of Default?    •    

•    Is Your Company Relocating You Or You Need To Relocate?    •   

•    Not Enough Equity To Refinance or Sell?    •

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE,

BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•    IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•    Are You Going To Fall Behind Your Mortgage Payment?   •  

•    Have You Received A Certified Letter From Your Lender or Servicer?    •

•    Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?    •     

•    Are You In Pre-Foreclosure or Foreclosure Procedures?    •

•    Have You Received Correspondence Of Notice Of Default?    •    

•    Is Your Company Relocating You Or You Need To Relocate?    •   

•    Not Enough Equity To Refinance or Sell?    •

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE,

BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•    IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

When and why to do a Short Sale, Newport Beach CA

Dear Friends,

One more time I would like take a brief moment to tell you Thank you, thanks for all your kindly words and comments you gently leave in all my posts I want you to know that all the time I invest here is to provide you with a little knowledge so you are very prepared to take your real estate decisions.

 When and why to do a Short Sale.

  I'm very sure by now you have a pretty good idea about what is a short-sale or short-pay off (Both terms are the same).

 But when to do it and why? Keep in mind that in a short-Sale the homeowner WILL NOT get any equity or money residuals from the sale of the property, so with this in mind a short-sale is not a business proposition.

The sole purpose of a short-sale is to AVOID Foreclosure.

If you need to sale your home because your company is transferring you, because you don't like the neighborhood anymore, or because there is a better and more affordable home next door, are NOT OPTIONS to do a Short-Sale.

If you in the other hand, CAN'T Afford your current or future mortgage payment or if you are going through a strong and meaningful hardship that is or will be preventing you to meet your montly mortgage obligation, you may consider one of the multiple options to avoid foreclosure called "Short-Sale" meaning "We will sell your home so your credit history and score takes less harm than if you end up in Foreclosure"

IMPORTANT: as long as you meet the criteria of a Distress Property Home Owner" you may qualify for a Short-Sale regardless if your home is in a multi-millionare neighborhood.

To answer this and more Pre-foreclosure options please contact me at 714-955-1932 or by email at carlmorales@ochomes-estates.net visit my web site www.carlmorales.com I'm always ready to assist you.

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•v     Are You Going To Fall Behind Your Mortgage Payment?

•v      

•v     Have You Received A Certified Letter From Your Lender or Servicer?

•v      

•v     Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?

•v      

•v     Are You In Pre-Foreclosure or Foreclosure Procedures?

•v      

•v     Have You Received Correspondence Of Notice Of Default?

•v      

•v     Is Your Company Relocating You Or You Need To Relocate?

•v      

•v     Not Enough Equity To Refinance or Sell?

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE, BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•·       IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

Should I Short Sale my house in Santa Ana, California?

This is the most common questions home owners have in their minds now a days, and the reason is very simple, unemployment is growing, lot of wage earnesr borrowers are seeing their wages reduce or limited. and the mortgage is either the same or about to become adjustable where most likely it will increase the monthly payment.

Lot of people is trying to get Loan Modifications or work outs with their investors, this is truly a good thing to do, actually I'd say, try it before you decide to put the house on the market, however, there are another group of people that prefer to sell the property.

While a short-Sale is an option to avoid foreclosure, let's make sure you understand that a Short-Sale is not the way to get rid of a bad investment, meaning, NOT BECAUSE THE HOUSE HAS LOST VALUE you qualify for a short-sale.

In order to qualify for a short-sale, YOU (the borrower) needs to have a legimit hardship that is or in a near future will prevent you from making your mortgage payment.

These hardships are not limited to financial hardships but it has to be in some how leading to it. For example, if one of the borrowers have become ill and is not able to work, that is a hardship, perhaps at this moment is not affecting you for making your payment but if the situation doesn't change it will.

There are other types of hardships that lenders find acceptable to negociate a short-sale.

AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

•v     Are You Going To Fall Behind Your Mortgage Payment?

•v      

•v     Have You Received A Certified Letter From Your Lender or Servicer?

•v      

•v     Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?

•v      

•v     Are You In Pre-Foreclosure or Foreclosure Procedures?

•v      

•v     Have You Received Correspondence Of Notice Of Default?

•v      

•v     Is Your Company Relocating You Or You Need To Relocate?

•v      

•v     Not Enough Equity To Refinance or Sell?

No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE, BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

www.orangecountycashortsale.com

DRE Lic# 01706745

What Benefits Will You Get After Working With Us?

THE NUMBER ONE "UNO" BENEFIT IS

You will be calm and stress FREE

•·       IF You Decide to Sell:

•·       You Credit will take less Damage than if you wait to be foreclosed.

•·       You will be able to buy another home is 2 years instead of 7.

•·       You will save thousands of dollars in credit cards and other loans interest rates.

•·       We are in control of the sale transaction.

•·       Your lender will pay our commissions.

•·       YOU WILL SAVE YOUR PRIDE

Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

Not ready to call? Send us an email cmorales@ochomes-estates.net

TEXT Messages are WELCOME "714-955-1932"

Remember: You are not alone and we are here to help.

www.carlmorales.com

www.orangecountycashortsale.com

Buying A House In A Down Market Orange California Tip 4

Negotiate With the Realtor

When houses are selling at a slow pace, many real estate agents are also struggling. In such an environment, both agents and firms may be more inclined to knock a percentage point or two off of their commission schedule to get a deal done.

But isn't it's the seller's job to pay the real estate agent? Why should you care what the commission is? 

Commission is important to the buyer because the seller probably listed the home at a high price so he or she could pay the commission to the agent and still walk away with a nice profit. Buyers can get their real estate agents to ask the listing agent to lower his or her commission so that the deal gets done, and both the seller and his or her agent both walk away with a decent profit.

The Consumerist.com offers these tips for increasing your leverage when negotiating with a real estate agent:

• You may be able to get a discount by using the same agent to sell your current house and buy a new one.
• Smaller real estate firms may be able to approve lower commission rates more quickly, because they have fewer layers of bureaucracy.
• If one agent won't negotiate, find another who will.
• Consider using the internet as much as you can to eliminate properties you are not interested, send a list of these homes to your real estate agent so the house hunting time is less and more productive. There are services available online that give house hunters direct access to the Multiple Listing Service, allowing them to find potential properties themselves.

  AVOID FORECLOSURE, ALLOW A CERTIFIED DISTRESS PROPERTY EXPERT REAL ESTATE AGENT TO HELP EVALUATE YOUR OPTIONS

  •v     Are You Going To Fall Behind Your Mortgage Payment?

  •v      

  •v     Have You Received A Certified Letter From Your Lender or Servicer?

  •v      

  •v     Are You Going Through Any Hardship Situation That Is Contributing To Miss Your Mortgage Payment?

  •v      

  •v     Are You In Pre-Foreclosure or Foreclosure Procedures?

  •v      

  •v     Have You Received Correspondence Of Notice Of Default?

  •v      

  •v     Is Your Company Relocating You Or You Need To Relocate?

  •v      

  •v     Not Enough Equity To Refinance or Sell?

  
  No matter what your current situation is, my team and I are ready to help you overcome even the toughest situation.

  Let's work together to analyze your current financial condition, prepare the BEST strategy to either keep your home or rescue your credit history from taking a great and LONG lasting DAMAGE.

  We are specialist in this subject matter, you ARE not alone, and the worst you can do is not to call 714-955-1932. The call is FREE, the Consultation is FREE, Our help is FREE, Our ALLIANCE is FREE, BUT OUR EXPERTISE AND SUPPORT TO YOU IS PRICELESS.

  www.orangecountycashortsale.com

  DRE Lic# 01706745

  What Benefits Will You Get After Working With Us?

  THE NUMBER ONE "UNO" BENEFIT IS

  You will be calm and stress FREE

  •·       IF You Decide to Sell:

  •·       You Credit will take less Damage than if you wait to be foreclosed.

  •·       You will be able to buy another home is 2 years instead of 7.

  •·       You will save thousands of dollars in credit cards and other loans interest rates.

  •·       We are in control of the sale transaction.

  •·       Your lender will pay our commissions.

  •·       YOU WILL SAVE YOUR PRIDE

   

  Call Carl Morales today at 714 - 955 - 1932 to schedule an appointment.

  Not ready to call? Send us an email cmorales@ochomes-estates.net

  TEXT Messages are WELCOME "714-955-1932"

   

  Remember: You are not alone and we are here to help.

  www.carlmorales.com

  www.orangecountycashortsale.com

Buying A House In A Down Market Orange California

When real estate sales are slow, and there is an extensive inventory of homes for sale, buyers have an opportunity to pick up a house on the cheap. The key word here is "opportunity". There are times when you should pounce and times when you should show restraint and avoid the impulse to buy, if you are able to differenciate between this two types of market it will save you thousands of dollars.

I'm going to provide you 7 Tips to buy a house in a Down Market.

I invite you to join my blog and follow these tips that will empower you to take better and stronger decisions when getting into the house hunting whether you are a sofisticated investor or a first time home buyer, being informed is the key of a successfull investment.

Tip No.1 - Do your Homework

Prospective buyers would be wise to search the internet for listings, inquire with a Realtor or real estate agent and also check the local newspapers to gain insight on a particular area. Realtor.com is a good source, you can also visiti my website www.carlmorales.com it will allow you to do some custom searches.

The objective of this research is to get to know the price range for the area. You want to learn what is considered excessive and what is considered low. This research will help you make a reasonable bid and also provide the first inkling that there is bargaining room on a particular home. (To begin with an overview of the buying process and terminology you need to know, check out First-Time Homebuyer Guide.) Available upon request, please call Carlos Morales at 714-955-1932