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$200,000 Present Value/$275,000 Loan Amount= SHORT SALE OR MODIFY.
IF SO, WHAT ARE YOUR STRATEGIC OPTIONS?Short sale, reinstatement, deed in lieu, loan modification, forbearance, repayment plan.
WHAT ARE THE ADVANTAGES OF A SHORT SALE or a MODIFICATION?Minimizing impact to credit, Minimizing tax ramifications
HOW DO I QUALIFY FOR A SHORT SALE?You have to be a victim of hardship, where you are unable to make payments because of unemployment, divorce, medical, death or resetting of your adjustable rate mortgage.
HOW DO I GET STARTED?Begin communication, proving hardship, and providing supporting financial documents.
WHEN SHOULD I GET THE PROCESS STARTED?The sooner you get the process started, the more time you have for marketability and a successful resolution. Banks are well aware of the housing market and would prefer you sell the property. Banks are in the business of loaning money not managing and owning real estate.
HOW LONG IS THELOANMODIFICATIONPROCESS AND WILL IT STOP MY FORECLOSURE?Everymodification is unique and requires its own unique time line. Typically, timing depends on how quickly you can begin negotiation with your lender, it all starts with the knowledge of all the policies and guidelines of the modification programs.
WHY SHOULDN'T I NEGOTIATE WITH MY LENDER DIRECTLY?To put it simply, you are their adversary, they are collecting a debt. They have thousands of files being handled by hourly waged loss mitigators whose sole job description is to COLLECT and collect their bonus. It is very time consuming and the chances of you speaking to the same loss mitigator is very slim. You will lose sleep, become overwhelmed, stressed and frustrated! I have my MBA and I can only compare this tedious and monotonous process as to writing a thesis.
HISTORY SHOWS THAT IT WOULD NOT BE WISE TO DEFEND YOURSELF IN LAW SUIT nor SHOULD YOU FEEL COMFORTABLE IN HIRING A REALTOR WHO HAS NO VESTED INTEREST IN YOUR WELL BEING!You need a third party Intermediary who has experience and a proven track record in the acceptance of the short sale.
PLEASE REASSESS YOUR STRATEGY in a housing market where banks are overwhelmed with thousands of foreclosures and short sales. The loss mitigation departments only concern is the banks portfolio and the banks financial well being and your short sale file can easily be placed at the lowest level of priority.
MODIFY MY HOME LOANTODAY ANDASKFOR OUR FREE INSIGHT!

HOME-LOAN-SOLUTION.COMand Partners is committed to providing you with the best mitigators in the industry. We approach every short sale and moficationfile with a different Stop foreclosure strategy and an ethical business model.

For close to a decade,HOME-LOAN-SOLUTION.COM and Partners has been designing unique and innovative systems. Each file is handled with unique perspective and integrity.HOME-LOAN-SOLUTION and Partners is established itself as a leader in the industry. Ingenuity and an eye for solutions makeUS and OUR Partners the obvious choice in hiring a Professional Mitigation Team.
What is a Short Sale?
A short sale is when your lender agrees to accept less than the principal amount owed to your lien holders. This amount exceeds or is close to the present value of your home, including closing costs and commissions.
Most Homeowners do not have enough equity within their homes to cover closing costs and commissions when the time comes to selling their home. The hottest topic in real estate investing today is ARIZONASHORT SALES. Why? Because 90% of the mortgage market is made up of interest only, negative amortization and sub-prime loans ( and we know what's happening with them) . During the next 24 months these loans will come to maturity requiring re-financing. The problem with this is that the real estate market has gone soft, therefore property values have decreased by at least 30% preventing the possibility of re-financing.
How can Short Sale or Modification Protection help me?The housing meltdown is nationwide and we have helped homeowners throughout the nation. We manage the stress and paperwork for all stages of short sale or modification process. This process is a very strategic, tedious and cumbersome and requires lots of time, communication, due diligence and paperwork. So our team handles the process from the first phone call to opening escrow upon approval. We have formed alliances with investors, contractors, realtors, attorneys and title companies to expedite the short sale process for an approval and a sale.