Orange County Short Sale Specialist: California: Anaheim

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

Loan mod frequently asked questions Anaheim California

Hello folks, a lot of you are concern about what steps, activities, requirements are necessary to do a loan modification, we have heard that a lot of people don't qualify for it, why?

let's keep in mind that all loan matters are and will be always subject to the final investor approval.

Who is your investor?

Your investor is in few words the owner of your note, the owner of your loan. this person or corporation is not necessarily the financial insitution you see in your montlhy mortgage statement, this could be just a servicer.

For example: if your monthly mortgage statement displays the ABC Mortage Inc. this could be only the servicer not the actual investor, if you are doing a modification or negociation a short sale, both types of transactions are subject to your investor approval.

To see more questions and answers about loan modification visit

http://www.nls.gov/offices/hsg/sfh/nsc/faqlm.cfm

 Remember, I'm always here to help and assist you in your real estate matters\

Sincerely

Carlos Morales

www.carlmorales.com www.orangecountycashortsale.com

SHORT SALE TIP

The Mortgage Forgiveness Debt Relief Act
 

If I sold my home at a loss and the remaining loan is forgiven,

does this constitute a cancellation of debt?

Does the Mortgage Forgiveness Debt Relief Act apply

to debt incurred to refinance a home?

Do you want answers to these types of questions?
The IRS speaks here.

Our next Short Sale Tip will address how California is handling this issue.

As always, we recommend that you consult with your accountant or attorney

to obtain advice as to how the information presented by the IRS will impact you.

Estimado visitante, he decidido escribir este mensaje en español para todas aquellas personas que tienen dudas con respecto a que hacer con su casa cuando ya no pueden pagarla y falta información en el idioma español.

Cuando usted tiene una problema que afecta su situación actual para efectuar sus pagos, antes de tomar la decisión si hacer una modificación o hacer una venta corta (Short-Sale) tiene que considerar lo siguiente:

1) Que problema tiene actualmente que le esta afectando para hacer sus pagos, (Ejemplo: Pérdida de empleo, Reducción de salario, pérdida de algún familiar que ayudaba a hacer los pagos, Problemas de Salud, Problemas con la ley (algún miembro está en la cárcel).

2) Una vez que sabe el motivo por el cual no puede hacer los pagos, analice si esta situación es temporal o permante, si es temporal es por un tiempo corto o un plazo largo.

3) Analice sus ingresos acutales (reales) sin contar con ayuda de rentas de cuarto o garge. Recuerde que ese ingreso no es 100% confiable por lo tanto no lo considere como parte de su ingreso del hogar.

Una vez que tiene identificado el problema por el cual los pagos de su casa no pueden efectuarse, es momento de llamar a su lender. Si el problema es temporal, explíquecelo al prestamista, probablemente ellos puedan ajustarle los pagos por un periodo te tiempo para que usted reestablesca.

Si el lender despues de revisar su situación le dice que no califica para algun plan de pagos o modificación, podría empezar a considerar vender la casa.

Consulte con algún real estate con respecto al valor actual de su propiedad, no siempre será el valor negativo y tal vez hasta puede venderal y salvar su ganancia.

Para mayor informción comuníquese conmigo.

Estaré listo para servirle.

Carlos Morales