“I used to lie awake nights worrying about how I was going to pay all the bills, my mortgage was out of control and my home not worth the loan! Thank you! MetroCal” - Roberta Black
Free Reports
Hey,
We have lots of good stuff for you. You may be one of the few who will get a real loan modification! If you want to see if you can get qualified to a government program, we have report for you. It will take time and patience on your side, dealing in the banks red tape and be frustrating, but you end up with enough modification to actually make sense in your situation.
Welcome
Hello Neighbor,
If you find yourself in a position where you owe more than your home is worth and you need to sell, a short sale may be your best option. But don't get taken for a long, stressful ride by a self proclaimed 'expert'...
"What is a short sale?"
Simply put, a short sale is a real estate transaction where the homeowner owes their lender more than what their property is worth and they need to sell. In a short sale, the lender must approve and accept less than what they are owed as full payoff (this means they may settle for $400,000, even if you currently owe them $500,000...even if the loss is hundreds of thousands of dollars).
Are you facing a financial hardship that you know will decrease your income?
Are you getting behind on your mortgage and you're not sure if you can catch up?
Or do you just need to sell quickly but your home is worth less now than when you bought it?
If you are facing any of the situations above, and you think a short sale might be your best option, then read on. If you're still not sure and just want more info, then scroll to the bottom of this page and request a free copy of our article "The 9 Alternatives When Facing Foreclosure"
Don't worry. It's not your fault...
You gotta remember, we've all had our ups and downs in life and a lot of other good people are also in the same tough spot as you. Life seems scary when you're facing the reality of foreclosure and we know how you feel when you just don't wanna answer the phone any more...
We all agree that we're in the middle of a national mortgage crisis and that, in many cases, homeowners who have bought or refinanced in the last few years have been seriously abused by unethical lending practices!!
You bought your home and hoped (like we all did) that it would increase in value (and some folks were even promised it would!), but most likely the harsh reality is that now your home is worth less than when you bought it and the value is still declining sharply.
We've helped hundreds of homeowners in this position to get the help they deserve. We've also, helped train dozens of real estate professionals here at MetroCal Short Sale Negotiators to do the same for their clients.
It's sad but true!
Did you know that nearly 90% of the homeowners nationwide who try to "short sale" their home will end up losing their home to foreclosure due to an uneducated or lazy agent?
Don't allow this to happen to you!
We hate to say this about our fellow agents from other companies, but the majority of them that are "trying to help" have not been properly trained and sadly, they are misinformed as to how to even negotiate with lenders. Some even get so far as to submit your 'short sale packet' and then just sit back and wait for a response! In the end, they simply don't know how to help you and you will become one of those "90%" that were not helped.
"Short sales are not easy!"
...unless you seek the help of an expert agent with a proven track record. We have been personally trained by a former Chief Loss Mitigator who is a career loss mitigator and asset manager with 20 years in the business (he is ultimately the guy at the bank who accepts or declines short sales). Actually, we went so far as train with his partner and help to train our entire office. We are now helping save even more folks from foreclosure.
We have successfully negotiated short sales for hundreds of families and as you can see from our recent approval letters below (I swap out some of my recent approvals every couple months, so you will notice these will have been from within the last 90 days), we actually get the banks to say YES to our short sales. Before you agree to have an agent help you sell your home, ask him/her to show you just one short sale approval within the last 6 months... I doubt they can.
The best part is, our business partner, has taken his tips and tricks from working INSIDE THE BANK and taught our team exactly how to ethically BEAT THE BANK... 93.2% of the time!
Our partner most recently worked for IndyMac Bank, a top ten lender, as the head of their HELOC loss mitigation division. His insider knowledge and broad base of industry contacts allows us to get our approvals faster than any other agents in Southern California! In fact, we are constantly solicited by agents in town to 'help them' get their short sales approved.
the Negotiators
Now it's up to you...
We are ready, along with our team of experts, to go to battle for you. Are you ready to take a serious look at your options and see how a short sale can help you:
- Avoid paying TAXES on the money the bank loses at foreclosure! (Yes, you may have to pay taxes on the amount of loss to the bank if the home goes to foreclosure!)
- Save your credit from the "Foreclosure" ding
- Avoid Bankruptcy
- Avoid Foreclosure
- Relieve the stress that this financial burden has become
- WITH NO OUT OF POCKET FEES OR ANY UP FRONT COSTS OF ANY KIND! …or in other words, you pay us nothing and if we do our job and save you from foreclosure, only then will we get paid by the lender!
RECENT RESULTS
Countrywide Short Sale Approval
Indymac Short Sale Approval
Not all agents can do a short sale and not all people qualify for our help. We are here for you if your situation meets the following criteria:
- You have a valid hardship
- You have little or no equity in your home
- You are unable (or soon will be unable) to pay your bills on time
- You want to work with an expert
If you're not sure and just want to find out if you qualify, give us a call and we will walk you through your options. Believe it or not, you may just need help getting a temporary reduction in your payments to 'catch up'. In any case, call us to talk about the several options that you may not be aware of.
If you don't know what else to do and you don't call us at 1 (562) 391-7821, what will it cost you in damaged credit, frustration and stress? If we are unavailable when you call, we have our assistants taking calls from 6am to 10pm Pacific time Monday through Saturday. If the lines are busy you will get a voice message, just leave your name, address and phone number and we will get right back with you!
We know how you feel and we can help.
Sincerely,
Connie Wildasinn
1 (562) 391-7821
P.S. Don't let your lender's abusive schemes take advantage of you and cause you to lose your home to a foreclosure auction! Save your credit and have peace of mind dealing with an expert.
Still Not Sure?
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Short Sale Certified
You’re not alone, statistics show that 2012 will prove to be the biggest year of home foreclosures surpassing last year and the downturn in 1994.
With the moratorium gone, Lenders are filing notices of default on properties when the homeowners are late on the 3rd month or 90 days. Once the notice of default gets filed the properties can be taken back by the lender in foreclosure in as little as 120 days.
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Loan Mod Assistance
At the very least,
let us give you some
information about
your alternatives. The
last thing you want to
do is go through the
foreclosure process. It's
draining emotionally and psychologically. And you certainly don't want to face it alone. We've prepared a document we'd like to send you that details out in simple to understand terms what alternatives you have along with their pros and cons. If you're not ready to call us and let us help you, at least let us send you this information so you can be better informed on your options. We ask for your phone number because we will occasionally call people we've sent the information to for their feedback.
What HUD has to Say...
2012 Stats
Loan Modification
Frequently Asked Questions
A Loan Modification is a permanent change in one or more of the terms of a Mortgagor's loan, allows the loan to be reinstated, and results in a payment the Mortgagor can afford.
Question 1:
In utilizing the Loan Modification option to bring an asset current, can the Mortgage include all fees and corporate advances??
Question 2:
May a Mortgage perform an interior inspection of the property if they have concerns about property condition?
Question 3:
Can a Mortgage include late charges in the Loan Modification?
Question 4:
When utilizing a Loan Modification option, can a Mortgage capitalize an escrow advance for Homeowner's Association fees?
Check out the answers to these and more questions....
More...
Call us and get the assistance you want in a one-on-one confidential appointment!
(562) 391-7821
