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Simple step by step example

Tips & Warnings Some short sale companies and agents are available to help you negotiate a short sale with your bank. You can often find a company that charges no upfront fees for you. (They take their payment out of the real estate commission when the home sells)Be wary of some negotiating companies that charge an upfront "application or processing fee." Some of these companies charge $999 upfront to desperate homeowners with promises of negotiating a short sale, loan modification, or some other solution between you and your bank, with no actual results.There are some very good free or low cost services available to upside-down homeowners to help you negotiate with your bank and avoid foreclosure. Call Justine she's experienced in short sales and charges no fee. 740-922-2387

Final paragraph: Clearly state that you "cannot pay" and need to short sale the home. You don't have any other options available. State your intent: do you want to keep your home or not? Leave your contact info or short sale agent's contact info if they require further information. Sign, date, and give to your short sale agent, attorney, investor, or bank.

2nd paragraph: State why your area is bad. Ex: "My property is located in ______ town. The taxes have increased, property values have declined, there are 5 foreclosures on my street, etc." List any bad circumstances for your specific location. Step 73rd and or 4th paragraph: List any of the following and explain using details and specific numbers as best as you can. • wrong doing by mortgage loan broker, bad adjustable mortgage loan on the property. • hardships (income I depended on is no longer available, increased bills, inability to work due to health or disability, etc. - from your brainstorm list).

Line 1: At the top of the hardship letter type your bank's name that you are requesting the short sale from. Line 2: put their address. Line 3: type their phone number and fax number. Skip a space. Line 4: type the date. Line 5: type "RE: Request for short sale - (Your Loan # and Property address)." Skip a line and start your letter with: "Dear (Bank's Name) Representative:" Step 5First paragraph: State a change. Mention what change took place why you can no longer afford your payments. Keep it brief and simply let them know that some change happened between the time you bought the home and now which has affected your ability to pay your mortgage loan

Now look at your hardship letter brainstorm list and pick the most obvious ones that have the most affect on your financial situation and ability to make payments on the home. Look at the list as if you were Countrywide, or Washington Mutual, or your specific bank. Which hardships would you look at as the most crucial? Once you select 3 or 4 hardships, focus on them and explain exactly why they are affecting your ability to make payments on the loan. (For example: I was laid off on Sept. 27 and as a result, my monthly income has decreased by $2,100.) Step 3Now you're ready to begin writing and putting together your hardship letter. Rule # 1, make your hardship letter less than one page, paragraph form. Short sale department reps look through many letters. They don't want to be reading a novel to find out why you can't afford your mortgage payments.

First brainstorm about your hardship. Sit down, and write down every idea that pops in your head about why you can't afford your house. Why are you having financial difficulties. Loss of job, medical bills, increased property taxes, child's college education tuition, divorce, credit card debt, etc. Write every possible thought that has any affect on your financial situation or your wanting to get rid of the property. It doesn't matter what you write down. Don't think too much, just write whatever pops in your head. Sit and write until you have at least 5 ideas. If you don't have 5, you're thinking too much. Just write whatever pops in your head.

Select either Short Sale or Deed-in-Lieu as early on as possible The sooner you act on either a short sale or a deed-in-lieu the better. Once the foreclosure process is activated, you will not be in a strong position to negotiate with your lender because payment arrearages, interest and penalties have piled up.

deed-in-lieu may be your fastest way out A deed-in-lieu of foreclosure is when you give your home back to your lender, take your losses and thereby prevent the foreclosure.

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Benefits for Short Sale Of course, you will make your real estate agent happy because agents are happy to take listings. But what about you? What do you get out of a short sale?

Benefits for Short Sale Of course, you will make your real estate agent happy because agents are happy to take listings. But what about you? What do you get out of a short sale?

Benefits & Drawbacks for Foreclosure Benefits for Foreclosure Although going through foreclosure is often painful and embarrassing for sellers, there are benefits: Drawbacks to Foreclosure Few people, apart from the sellers who choose to buy and bail, really want to experience a foreclosure. Memories are made in a home, and losing it can shatter future dreams. Here are other drawbacks to foreclosures:

Why Agents Recommend Short Sales Here are the main reasons why agents encourage sellers to do a short sale: Agents get paid by the lender to do a short sale. Agents don't get paid if the seller loses the home to the bank by going all the way through foreclosure. Even if the home never sells on a short sale, the agent gets free publicity (and new business) through signage, open houses, marketing and posting listings online.

With today's economy and the foreclosure who is going to bail us out? Watch and find out. Find a solution by a reputable company~Real Estate Acquisition Firm

While you keep in mind that you are trying to stretch that dollar and not get what you want this may incur re a negative vibration on money. While keeping conscious of what you have to spend and feeling there's not enough. STOP Change is needed.

While you keep in mind that you are trying to stretch that dollar and not get what you want this may incur re a negative vibration on money. While keeping conscious of what you have to spend and feeling there's not enough. STOP

I am a real estate specialist and I can share with you the secrets to saving your home from foreclosure. I have shown homeowners how to not only stop foreclosure... but also how to save thousands of dollars by avoiding the biggest mistakes so many other

According to RealtyTrac.com, 1 out of 84 homeowners received at least 1 foreclosure filing during the first half of 2009, and for the 4th straight month, more than 300,000 foreclosure filings were reported nationwide.

According to RealtyTrac.com, 1 out of 84 homeowners received at least 1 foreclosure filing during the first half of 2009, and for the 4th straight month, more than 300,000 foreclosure filings were reported nationwide.

Astonishing "Insider" Bankruptcy Loopholes to faster sales time and maximum sales price for your home finally revealed by the one expert greedy creditors wish would just go away!! In fact, you will most likely receive a nice check from me.

Save your home while filing bankruptcy. We have specialized in negotiations with your leander and can get you a short sale.

For two decades foreign counties have used sign language for their babies as well as their toddlers. Americans have just caught on to this philosophy and widely using the sign language for communication.

I've seen many theories on debt elimination but, this makes sense. I almost had this down but, add previous payment to the next was the key-up from my former way of paying off debt.

Allow me to educate you about the foreclsoure process. Since I am a foreclosure expert and a real estate entrepreneur, if we don't strike a deal, at least my creative financing strategies may be of help to you.

I've seen many theories on debt elimination but, this makes sense. I almost had this down but, add previous payment to the next was the key-up from my former way of paying off debt.

I've seen many theories on debt elimination but, this makes sense. I almost had this down but, add previous payment to the next was the key-up from my former way of paying off debt.

For two decades foreign counties have used sign language for their babies as well as their toddlers. Americans have just caught on to this philosophy and widely using the sign language for communication.

I've seen many theories on debt elimination but, this makes sense. I almost had this down but, add previous payment to the next was the key-up from my former way of paying off debt.

Homes with little to no equity which have been listed without success The homeowner must be a foreclosure candidate or facing foreclosure

Infants start out by listening to their mothers voice. Weeks after sight is developed. With that in mind your child sees you repeating facial gestures as well as hand motions. In teaching a infant how to express themselves, its your job to teach language

The purpose of this report...to quickly arm you with the most important information so you can make the right decisions fast. I have shown homeowners how to not only stop foreclosure... but also how to save thousands of dollars by avoiding the biggest mistakes so many other people make!

crakling fire with sounds from the woods.

crakling fire with pop and sounds from the woods.

Unity in the family Power of Prayer Husbands and Wifes work together

Challenges about raising children in today's economic living. Create a environment in the home where unity and the power of prayer.

Some questions for your attorney. You can save you home while filing bankruptcy. Keep your home while foreclosure process and find some professional help. Make sure the services are FREE and require no deposit.

Foreclosure and Bankruptcy What to say to your trusty How to do ask for a relief of stay Keep your home and still file bankruptcy