Stop Foreclosure Institute of Cape Coral Assisting Homeowners in Distress

swingset

 

Cape Coral FL – If you are selling your home, then ask the buyer to write a letter about why they want to purchase the home. If you are a buyer, then write that letter.

The listing agent will submit that letter along with the short sale paperwork. With a little luck that letter will help “grease the wheels” and cause the short sale to be approved faster.

Short Sale negotiators are human beings  They have emotions that can be touched by a good story.

These letters might sound like a joke, but they can make a huge difference. I’ve even seen home owners lose money on their sale because the liked a certain buyer over another one.

In that case, the seller sold their home for several thousand dollars less to a buyer that they liked. The other buyer had been rude and the seller didn’t like them.

If that made a difference when the seller was losing their own money, then think about the difference it will make to a short sale negotiator who isn’t losing their own money.

Put a good story in your letter. Here are a few examples.

You might say something like this“We are a first time home buyer looking for our first home. We just want to move out of our cramped apartment and are looking forward to our first home where we can plant a garden.”

Or, maybe it would be like this: “We have looked for a while and finally found this home on Elm Street that we love. We are selling our current home so we can buy a house with a yard.

Our two boys, Tim and Julian, have been begging us for a swing set. We never had room in our old condo.

If you approve our short sale offer, then we will finally be able to give them the large, fenced backyard they’ve always wanted with a swing set.

We’ve already picked out the swing set plan and Tim and Julian are so excited about it. So, don’t approve the short sale offer for us, approve it for them.”

See how I’m pulling the negotiator’s heartstrings. Unless your short sale negotiator is absolutely heartless, it will make a difference for you. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at mailto:donnabishoprealtor@gmail.com” I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by http://stopcapecoralforeclosure.info/Short_Sale.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. <“http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Broker at Jones & Co. Realty.

Phone: (239) 560-3149. “email to:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at http://www.SWFloridaBroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Another tip to improve the odds of your short sale offer being approved is provided as a courtesy to our viewers to help them make informed decisions.

fl-rental-house

 

Cape Coral FL – The Stop Foreclosure Institute recently received a question from Phil. Here is Phil’s Question.

“I am a California Resident but have 3 distressed Florida Properties pending foreclosure. Under Florida law a creditor cannot garnish wages. Will investor pursue deficiency? If yes, will they follow FL or CA law? Thanks, Phil.”

“http://stopcapecoralforeclosure.info/Short_Sale.Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here was our answer. That is a legal question. Since I am not a lawyer I cannot answer it.

I do know that you can usually short sale in Florida and get the lender to forgive you of the debt. However, there are other things you can do to avoid the deficiency problem.

First, work hard to convince your lender to waive the deficiency. Investment Property Short Sales are tougher because the lenders are more reluctant to waive the deficiency.

But, many lenders will waive it. Others will agree to waive it when you have presented financial statements that show you cannot afford the deficiency.

So I think that over half of the deficiencies will be waived by the lenders. Here is what you can do for the remaining ones. First, depend on incompetence on the lender’s part.

Most lenders don’t have enough staff to handle their delinquent debt. Even if they do have the right to a deficiency in most cases the only thing they will do is call you.

When they call, you simply tell them that you don’t have the money in your budget that month to pay them anything. Don’t say anything more than that and don’t lie to them.

(A lie can get you in legal trouble later on. You are better saying very little and hanging up the phone than lying.)

Most lenders won’t do anymore than “sic” the debt collectors on you. They hardly ever go to court or attempt to garnish your wages. E-mail me for a simple letter that will legally stop the harassing phone calls.

In my opinion, this will enable you to short sale 90% to 95% of all investment properties and avoid paying a deficiency. Here is what you should do if you fall into the unlucky 5-10%.

Hire a good lawyer. They can usually find a hole in their court case and get you out of paying the debt. These lenders are so disorganized that the often do not have all their paperwork in order.

Or, they can find a situation where the lender broke Collection Law. In that case, the lender is usually more than happy to settle with you versus facing a lawsuit.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at  “mailto:donnabishoprealtor@gmail.com”  I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. “http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Broker at Jones & Co. Realty.

Phone: (239) 560-3149.   “mailto:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at “http://www.swfloridabroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Cape Coral Short Sales: Can I Short Sale Investment Property Without A Deficiency? is provided as a courtesy to our viewers to help them make informed decisions.

   

stop-sign

Cape Coral FL – Debt collectors are infamous for multiple phone calls at all hours of the day. One person told the Stop Foreclosure Institute that he would receive several phone calls the first thing Sunday Morning.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure.
“They would call my home phone at 8:15AM on Sunday. This was the only day that I had to sleep in and they woke me up. I had 2 other people call me before noon”, he told us.
This is the biggest complaint the Stop Foreclosure Institute has heard about debt collectors. People have told us, “No matter how many times I tell them to stop calling, they still call me.”
Let me give you the inside story. The reason this happens is because most people don’t do anything about it. They just learn to live with the harassing calls and go on with their lives.
Here is what the debt collectors don’t want you to know. Under the Fair Debt Collection Practices Act, a creditor or collection agency that calls you after you request them to stop may be liable for statutory damages up to $1,000 plus any actual damages suffered, plus attorney fees.
So when someone sticks up for themselves, it costs the debt collectors money. In fact, they are so scared of being sued that they all work together to track the people that have sued to collect the $1,000.
Here is the best technique that I have heard of to stop the calls. According to one guy it works great. When a debt collector calls you stop and ask for the person’s name and the company name. Then, say the following.
“Bob, I have documented that you have called me today. I also have documented your company name and the phone number you have called from. Now, let me tell you this.
Under my right in the Fair Debt Collection Practices Act, I am requesting that you stop any and all calls to me. If I get another call from this phone number, then I will be contacting my attorney to help me get the statutory damages laid out in the Fair Debt Collection Practices Act.
In addition, I will call your manager and let them know that you could have saved the company $1,000, but chose not to. I will make sure that they understood who cost the company $1,000. So, don’t call me again.”
The reason this works so well is because you are holding that employee accountable. If they do call you again and have to pay you $1,000 as a result, then that manager will be angry. And it will hurt even more when you tell them that Bob could have saved them from paying it, but was incompetent.
Please try the script and let us know how it works out for you.
If you want a list of 12 common violations and instructions on how to stop the calls, then send me an email and I’ll send you back the 12 most common violations.
That way you will know when a debt collector breaks the law. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at “mailto:donnabishoprealtor@gmail.com“. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149
Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.  clicking here
Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. “http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.
Thanks for reading this, Donna Bishop.
Donna is a Real Estate Agent at Jones & Co. Realty.
Former Owner/Broker of A & B Mortgage Brokers of Florida.
Cape Coral Short Sales Realtor:
Fort Myers Short Sales Realtor:
Lehigh Acres Short Sales REaltor:
Lee County Florida Realtor:
SW Florida Realtor:
Phone: (239) 560-3149.     “mailto:donnabishoprealtor@gmail.com
Share a Smile!
View My homes for sale at “http://www.SWFloridaBroker.com
Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor. Fort Myers Loan Modification Help. Fort Myers Florida. Fort Myers Short Sales Realtor.Lehigh Acres Loan Modification Help. Lehigh Acres Florida. Lehigh Acres Short Sales Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice:
Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.
This information on Cape Coral Short Sales: The Most Effective Way To Stop Debt Collector Harassment is provided as a courtesy to our viewers to help them make informed decisions
 handcuffs
Cape Coral FL – I’ve heard of debt collectors contacting people’s family and relatives trying to reach them for “an important business matter.”
When they tell the relative their business name, then it becomes obvious what is happening. They do this as an attempt to embarrass a debtor into paying them.
Here is what most debtors do not know. This is actually a violation of a Federal Law called The Fair Debt Collection Practices Act, provided the debt collector has your information already.
I have seen this happen in many situations. Someone gets a call from a debt collector. A few days later that same person calls their relative and says they can’t reach the debtor.
They are not allowed to do that because they already have your information. If this happens to you, then document everything. Then, call that company and ask for the manager or company owner.
You have several options available to you at this point. You can use this violation to negotiate for a much lower payoff on the debt. In some instances you can convince them to forgive the debt over the violation.
If they don’t want to negotiate with you, then contact a debt collection lawyer. Just Google “Fair Debt Collections Lawyer” for help. Many of them will help you for no cost. They only get paid if they collect from the debt collection company.
Don’t kid yourself, this is real. I know for a fact that debt collection companies are scared of being sued. In fact, they have systems in place that flag debtors that have sued another company.
They may choose not to attempt to collect from that debtor, because they think there is a high likelihood of being sued themselves. In my opinion, most debt collectors break the Fair Debt Collection Practices Act all the time.
I used to think that debt collectors didn’t break the law. Because of the stories I have heard from Stop Foreclosure Institute Customers, I now believe otherwise.
If you want a list of 12 common violations and instructions on how to stop the calls, then send me an email and I’ll send you back the 12 most common violations.
That way you will know when a debt collector breaks the law. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at “mailto:donnabishoprealtor@gmail.com“. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149
Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.
Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank.
Thanks for reading this, Donna Bishop.
Donna is a Real Estate Agent at Jones & Co. Realty.
Former Owner/Broker of A & B Mortgage Brokers of Florida.
Cape Coral Short Sales Realtor:
Fort Myers Short Sales Realtor:
Lehigh Acres Short Sales REaltor:
Lee County Florida Realtor:
SW Florida Realtor:
Phone: (239) 560-3149. “mailto:donnabishoprealtor@gmail.com
Share a Smile!
View My homes for sale at “http://www.SWFloridaBroker.com
Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor. Fort Myers Loan Modification Help. Fort Myers Florida. Fort Myers Short Sales Realtor.Lehigh Acres Loan Modification Help. Lehigh Acres Florida. Lehigh Acres Short Sales Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.
This information on Cape Coral Short Sales: How To Tell If A Debt Collector Is Breaking The Law is provided as a courtesy to our viewers to help them make informed decisions.

Man_Buy_HomeCape Coral FL – Are you looking to buy a short sale? Before you make an offer, you need to check and see how competent the listing agent is at short sales.

The listing agent is the agent with the property for sale. They will usually be in charge of processing the short sale with the lender.

“http://stopcapecoralforeclosure.info Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

If the listing agent is a genuine short sale expert and knows what they are doing, then you have a very good chance of the short sale being approved and buying the home. I’ll show you how to separate the experts from the pretenders in this post.

<strong>If the agent is not a genuine short sale expert, then you are probably wasting your time. </strong>You should go find another home to buy.

First, ask them how many short sales they have successfully sold If they have only sold 2-3 short sales, then the odds are not in your favor. You risk wasting months of time waiting for an answer on <strong>the short sale.

Next, ask them how many loans are on the property. If there is only 1 loan, then you know two things. First, they know what they are doing. Second, this is relatively simple short sale.

If there are two loans, then the property is still worth considering. However, if there are 3 or more loans, then you might want to look at another home. Short sales with 3 or more loans are very difficult.

The first mortgage won’t give enough money to the second and third position mortgages. The second and third position mortgages won’t release their lien without more money. At the end, everyone loses (that is another story for another day.)

Lastly, ask who the lenders are. If the lenders are Bank of America, or another notoriously bad lender at short sales, then you might want to avoid the property. However, a competent short sale agent can handle a Bank of America short sale with ease.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail a”mailto:donnabishoprealtor@gmail.com” I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. “http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.Click here to request a copy

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Agent at Jones & Co. Realty.

Cape Coral Short Sales Realtor

Fort Myers Short Sales Realtor

Lehigh Acres Short Sales Realtor

Lee County Florida Realtor

SW Florida Realtor

Phone: (239) 560-3149. “mailto:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at “http://www.swfloridabroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Questions Buyers Should Ask The Agent Listing A Cape Coral Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Small-Home-3-300x199

 

Cape Coral FL – The Stop Foreclosure Institute recently received a question from Phil. Here is Phil’s Question.

“I am a California Resident but have 3 distressed Florida Properties pending foreclosure. Under Florida law a creditor cannot garnish wages. Will investor pursue deficiency? If yes, will they follow FL or CA law? Thanks, Phil.”

“http://stopcapecoralforeclosure.info/Short_Sale.Click here to discover how other sellers successfully did a short sale and avoided foreclosure.</a>

<strong>Here was our answer.</strong> That is a legal question. Since I am not a lawyer I cannot answer it.

I do know that you can usually short sale in Florida and get the lender to forgive you of the debt. However, there are other things you can do to avoid the deficiency problem.

First, work hard to convince your lender to waive the deficiency. Investment Property Short Sales are tougher because the lenders are more reluctant to waive the deficiency.

But, many lenders will waive it. Others will agree to waive it when you have presented financial statements that show you cannot afford the deficiency.

So I think that over half of the deficiencies will be waived by the lenders. Here is what you can do for the remaining ones. First, depend on incompetence on the lender’s part.

Most lenders don’t have enough staff to handle their delinquent debt. Even if they do have the right to a deficiency in most cases the only thing they will do is call you.

When they call, you simply tell them that you don’t have the money in your budget that month to pay them anything. Don’t say anything more than that and don’t lie to them.

(A lie can get you in legal trouble later on. You are better saying very little and hanging up the phone than lying.)

Most lenders won’t do anymore than “sic” the debt collectors on you. They hardly ever go to court or attempt to garnish your wages. E-mail me for a simple letter that will legally stop the harassing phone calls.

In my opinion, this will enable you to short sale 90% to 95% of all investment properties and avoid paying a deficiency. Here is what you should do if you fall into the unlucky 5-10%.

Hire a good lawyer. They can usually find a hole in their court case and get you out of paying the debt. These lenders are so disorganized that the often do not have all their paperwork in order.

Or, they can find a situation where the lender broke Collection Law. In that case, the lender is usually more than happy to settle with you versus facing a lawsuit.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at <a href=”mailto:donnabishoprealtor@gmail.com”. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. “http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.

Thanks for reading this, Donna Bishop.

Donna is a Real Estate  Agent at Jones & Co. Realty.

Former Owner/Broker of A & B Mortgage Brokers of Florida

Cape Coral Short Sales Realtor

Fort Myers Short Sales Realtor

Lehigh Acres Short Sales Realtor

Lee County Florida Realtor

SW Florida Realtor

Phone: (239) 560-3149. “mailto:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at “www.swfloridabroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Cape Coral Short Sales: Can I Short Sale Investment Property Without A Deficiency? is provided as a courtesy to our viewers to help them make informed decisions.

questions

 

Cape Coral FL – The Stop Foreclosure Institute recently received a question from Chad.  Here is Chad’s Question.

“I own a condo that I purchased in 2007, pre-construction for $375,000. My mortgage balance is $337,000.

“http://stopcapecoralforeclosure.info/Short Sale.Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

I have been trying to sell my unit for upwards of 2 years with no success. I have been unable to refinance because my unit is worth much less than the balance on my mortgage.

I have been denied a loan modification. I must move by this summer and do not want to make a penny on the sale. I just want to be rid of this property.

I have been advised that I would not get approved for a short sale because I do not have a financial hardship. However, I am not sure this is correct. I am seeking advice as to what my options are.” said Chad.

Here was our answer. If you are moving for a job transfer then, then you have a legitimate hardship. I do know this.

If you move in 6 months and stop making the payments, then something will need to be done. The bank will either approve a short sale or foreclose on your property.

You could try to rent the unit out and write a check every month to cover the payments. But, then you would be limping along for years until the market improved and you can sell.

But, what if things get worse? What if a tenant trashes your condo and you can’t afford the repair bill? No one wants to rent a trashed condo.

You would have a hard time covering the payments then and even risk a foreclosure. I would start the short sale process today. There is a good chance that your lender would approve a short sale today.

If not, then you could convince them to approve it later, after you have moved. Some short sale negotiators are easy to work with and will approve the short sale.

Others might play hardball and want a promissory note from you. It’s all negotiations. The sooner you start the negotiations, the sooner you can move on with your life. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at <a href=”mailto:donnabishoprealtor@gmail.com“. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.clicking here.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. <a “http://stopcapecoralforeclosure.info/Loan_Modification_Secrets Click here to request a copy.

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Agent at Jones & Co. Realty.

Cape Coral Short Sales Realtor

Fort Myers Short Sales Realtor

Lehigh Acres Short Sales Realtor

Lee County Florida Realtor

SW Florida Realtor

Phone: (239) 560-3149.  mailto:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at “http://www.swfloridabroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

 

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Cape Coral Short Sales: Can I Short Sale If I Don’t Have A Normal Hardship? is provided as a courtesy to our viewers to help them make informed decessions.

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Cape Coral FL – Even though lenders pretend to hate short sales, they actually benefit from short sales. Let me explain why. A lender gets to sell the house at today’s price, versus what it will be worth 6-12 months down the road. We just did a comparison and pulled up sold listings. All of the listings were the same, very comparable, and located in 3 similar, comparable neighborhoods. All were less than 2 miles apart. “http://stopcapecoralforeclosure.info/Short_Sale.Click here to discover how other sellers successfully did a short sale and avoided foreclosure. First, we looked up the average selling price per SQFT of homes that sold in a 3 month period. In spring 2009, all the homes sold for an average of $103 a SQFT. Then, we pulled up houses in the same neighborhoods that sold after the bank had foreclosed on them. Those sales were 6-9 months later than the original sales. 6-9 months later, the average sales price of a home in these neighborhoods was $85 a SQFT. These homes average 1,700 a SQFT. That means a 1,700 foreclosure sold for $30,600 less than it would have sold as a short sale six months before. Ouch! Sure, most short sales are cheaper than comparable bank owned or “seller with equity” sales. But, we’re bringing a tremendous amount of value to the bank. The other person that’s getting value is the buyer. They get a better deal in today’s market than buying a “seller with equity” or REO. You, the seller is also getting a better deal. You get a lower deficiency and your credit is back to normal in 18-24 months. A short sale is a win – win for everyone involved. Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at :donnabishoprealtor@gmail.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149 Discover how other sellers successfully completed a short sale and request a free consultation by “http://stopcapecoralforeclosure.info/Short_Sale.Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank.”http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.html“>Click here to request a copy. Thanks for reading this, Donna Bishop. Donna is a Real Estate Agent at Jones & Co. Realty. Former Owner/Broker of A & B Mortgage Brokers of Florida Cape Coral Short Sales Realtor Fort Myers Short Sale Realtor Lehigh Acres Short Sales Realtor Lee County Florida Realtor SW Florida Realtor Phone: (239) 560-3149. :donnabishoprealtor@gmail.com” Share a Smile! View My homes for sale at “http://www.swfloridabroker.com” Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor. Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice</strong></font> Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty. This information on Who Benefits From A Cape Coral Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

deadline-300x238Cape Coral FL – The Stop Foreclosure Institute gets asked this question quite a bit. The answer depends on the type of loan you are looking to use to purchase your next home.

Here are the details on your options to buy another home after a short sale.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Owner Financing. You can buy a home with owner financing anytime after a short sale.

FHA Financing. (FHA is very popular because it only requires you to put down 3.5% and pay your closing costs. You  can usually convince the seller to pay your closing costs, thereby reducing your down payment to 3.5% of the purchase price.)

FHA’s current guidelines state that you can get an FHA loan immediately after a short sale, provided that you never missed a payment. If you were in default at the time of the short sale, then you have to wait 3 years before they will approve your loan.

Fannie Mae Loan.Fannie Mae is the most common loan program. You can get a Fannie Mae Loan in as little as 2 years after a short sale. But, you have to put 20% down.

If you wait 4 years, then you have to put a minimum of 10% down. After 7 years, you can get a Fannie Mae Loan and put less than 10% down.

The most attractive (and currently most popular) loan program in America is FHA. The reason is because it’s down payment requirements are much lower than anyone else. It looks like the best option to buy your next home after a short sale.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at <a href=”mailto:donnabishoprealtor@gmail.com“>donnabishoprealtor@gmail.com</a>. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by <a href=”http://stopcapecoralforeclosure.info/Short_Sale.html“>clicking here</a>.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. <a href=”http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.html“>Click here to request a copy.</a>

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Agent at Jones & Co. Realty.

Former Owner/Broker of A & B Mortgage Brokers of Florida

Cape Coral Short Sales Realtor

Fort Myers Short Sales Realtor

Lehigh Acres Short Sales Realtor

Lee County Florida Realtor

SW Florida Realtor

Phone: (239) 560-3149. mailto:donnabishoprealtor@gmail.com

Share a Smile!

View My homes for sale at  www.swfloridabroker.com

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on How Long Do I Have To Wait After A Cape Coral Short Sale To Buy Another Home? is provided as a courtesy to our viewers to help them make informed decision.

The Stop Foreclosure Institute recently received a question from Cathy. Here was her question.

“I am trying to buy a house that is a short sale. It has been 4 months and we have heard nothing. The agent did mention that they are now on the 2nd negotiator and still haven’t heard from the negotiator.

I am getting very frustrated. Is there anything I can do on my end to try to push the process along, or is it all up to the agents? Cathy.”

<a href=”http://stopcapecoralforeclosure.info/Short_Sale.html“>Click here to discover how other sellers successfully did a short sale and avoided foreclosure.</a>

<strong>Here was our answer to Cathy. </strong>Cathy, short sales can take a long time. But, usually the longest they should take is 3-4 months.

If the short sale hasn’t been approved by the end of 4 months, then it probably won’t be approved by the end of 12 months. I remember reading an article online about why the short sale process takes 9-12 months.

The author just broke each part down and justified why the entire process should take that long. I don’t think the author knew what he was talking about.

The Stop Foreclosure Institute has been able to get short sales approved as fast as 1 month. Most have been approved before the end of 3 months.

You mentioned that the agent “still hasn’t heard from the negotiator.” Did they ever think of maybe trying to contact the negotiator? It’s their job to help the seller sell their house and avoid foreclosure.

Calling the negotiator is part of the job. If I was you, I would find another short sale where the listing agent is experienced with short sales and doesn’t wait for the negotiators to call them.

Thinking about a short sale? I can help you short sale your property and get back on your feet. Send me an e-mail at <a href=”mailto:donnabishoprealtor@gmail.com“>donnabishoprealtor@gmail.com</a>. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (239) 560-3149

Discover how other sellers successfully completed a short sale and request a free consultation by <a href=”http://stopcapecoralforeclosure.info/Short_Sale.html“>clicking here</a>.

Thinking about a loan modification? Our Cape Coral loan modification kit has the instructions you will need to get a loan modification approved with your bank. <a href=”http://stopcapecoralforeclosure.info/Loan_Modification_Secrets.html“>Click here to request a copy.</a>

Thanks for reading this, Donna Bishop.

Donna is a Real Estate Agemt at Jones & Co. Realty.

Former Owner/Broker of A & B Mortgage Brokers of Florida

Cape Coral Short Sales Realtor

Fort Myers Short Sales Realtor

Lehigh Acres Short Sales Realtor

Lee County Florida Realtor

SW Florida Realtor

L

Phone: (239) 560-3149. <a href=”mailto:donnabishoprealtor@gmail.com“>donnabishoprealtor@gmail.com</a>.

Share a Smile!

View My homes for sale at <a href=”http://www.swfloridabroker.com“>www.swfloridabroker.com</a>. <a href=”http://”></a>

Donna Bishop specializes in loan modification assistance and short sales in Cape Coral Florida. Cape Coral Loan Modification Help. Cape Coral Loan Modification Help. Cape Coral Short Sales Cape Coral FL Short Sale Cape Coral Short Sale Realtor Cape Coral FL Short Sales. Cape Coral Realtor.

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

<font size=”+1″><strong>Important Notice</strong></font>

Donna Bishop, Jones & Co. Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Donna’s personal views and do not reflect the views of Jones & Co. Realty.

This information on Cape Coral Short Sales: Why Is The Short Sale Taking So Long? is provided as a courtesy to our viewers to help them make informed decisions.

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