"HOW TO AVOID FORECLOSURE AND SELL YOUR HOME WITH NO EQUITY."

"If you are a few months behind on your mortgage and facing a foreclosure and are ready to resolve your financial burden and sell your equity-deficient home - A Short Sale may be the answer." 

Dear Friend,

If you'd like to keep foreclosure off your credit report, avoid humiliation of a public sale and complete your loan commitment with integrity, then this might be the most important letter you'll ever read.

Here's why:

A Short Sale is a special real estate transaction which allows you to sell your home even if your mortgage loan is higher than the value of your home.  Now, I know you're probably skeptical. That's normal and healthy. Let me give you three good reasons we can back up what we claim:

Three Reasons To Believe What I Say

Reason one: Lenders want to help you avoid foreclosure because alternatives like Short Sales are less expensive, saving them thousands of dollars. The average loss per foreclosure property for a lender is $30,000 - $40,000.

Reason two: The Short Sales works because mortgage loans are big investment business on Wall Street and lenders are under continual pressure from regulators to reduce the amount of defaulted homes they actually take back and subsequently own.

Reason three: Lenders prefer working with licensed agents because we have the necessary documents and information to submit. As Short Sale experts we understand the discount percentages of senior and junior liens.

Here is a summary of the
benefits you receive

Now, you're probably wondering how and why we can do all those things.

Let me explain.

Statistics indicate that almost 421,000 mortgage loans enter foreclosure each year nationwide. Each and every default has the potential to be saved from foreclosure through a variety of alternate means, including the equity-deficient Short Sale.

Why are lenders willing to accept sixty cents or less when they are owed a dollar? Simple - they have come to the conclusion that it is better to get something now rather than risk receiving nothing later. Lenders are under increased pressure from regulators to reduce the amount of homes they actually own.

FDIC lending guidelines dictate that investors lose 7 times the amount of outstanding bad debt principle. For example: If an investor has a $300,000 non-performing loan on their books, they lose the opportunity to invest seven times that amount, or 2.1 million. bad debt on lender's books limits their investing capabilities.

The Short Sale Process has eight stages:

1. Determine the Property's Value

2. Signed Listing Agreement

3. Find a Buyer

4. Necessary seller paperwork completed and signed

* Two Year's most recent tax returns
* Two most recent paycheck stubs
* Last Two month's bank statements
* Copies of mortgage statement with loan account and telephone numbers
* A Seller hardship Letter
* Borrower Financial Statement

5. The Lender Sale/Demand Statement

6. Calculating the Lender Pay Off

7. The HUD-1 Seller's Net Proceeds Statement

8. Submitting Documentation for Short Sale

Short Sales are a Win-Win-Win-Win scenario:

** The Seller wins by selling their home prior to losing it through the embarrassing and long-term credit-damaging foreclosure auction.

** The listing and selling Agents win by obtaining commissions paid by the lending institution(s)

** The Buyer wins by obtaining a property at good value

** The Lender wins by not having to continue with the foreclosure process and take the property back; requiring continued in-house payroll support, marketing, monitoring, legal expense, accounting efforts and property maintenance. 

Warning:  There is a lot of confusion surrounding Short Sales, so Do NOT attempt one unless you are absolutely, positively confident that your agent meets the following 6 criteria:

1: Understands all necessary documents needed for submittal.

2: Has a complete understanding of discount percentage on Senior & Junior liens.

3: Knows how to properly complete HUD-1.

4: Has knowledge of state-specific foreclosure laws and timeliness.

5: Commitment to well-versed, professional negotiating relations with nationwide lenders.

6: Discloses all aspects of Short Sale - the cons as well as the pros.

If you are ready to resolve your financial burden and sell your equity-deficient home - time is of the essence - you need to act quickly, before the foreclosure date or sale date. 

For a no obligation interview please call me toll free at 877-773-2199, local at 843-340-5828, or feel free to e-mail me at linksunlimited@ucmax.com

Thanks for your time,

Richard Brouwer - Donovan Realty