Fresno CA – The Stop Foreclosure Institute recently received a question from John. Here was his question.

“I am current on my mortgage with X Bank (one of the top 4 US banks.) However, I would like to short sale and move for my new job.

I am current on my mortgage. Will my lender consider a Short Sale, even though I am not behind on the payments? Thanks for your help. John.”

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

Here was our answer to his question. When we work on several files with a lender, it seems that those that are late get approved faster than those that are current.

However, you still have a chance of getting your file approved even when you are current on your mortgage. The banks might approve your short sale file, depending on your specific situation and the hardship.

But they certainly seem to be taking their time on approvals where mortgage payments are current. The good news is we have clients who are current on their mortgage payments and have already had short sale approvals.

However, we also have clients where the banks have dragged the process on for 8 months or more. after that long wait, they still were not approving the short sales.

I can help put your Short Sale file together within a couple days and submit it for approval. (Remember, there is no charge for this.)

The best way to determine if your lender will approve your short sale is to simply start the process. Every lender and loan program is different, so we will never know for sure until we start. 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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Fresno Short Sale Question: I am current on my mortgage; will my lender consider a Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – Working to convince a bank to approve a short sale is what I do every day. I work with lenders on a daily basis.

I understand the importance of starting the process in a way that is likely to succeed with the lender’s loss mitigation department.

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

I am always prepared and I maintain a high level of professionalism during the whole process because I understand how critical it is to get a short sale approved.

The Lender wants a great file. I understand that I only have one opportunity to impress the lender with a professionally prepared file and this is exactly what they will get.

This initial step often proves to be determinant on the lender’s decisiveness to approve your file. As much as lenders may not like to acquire properties through foreclosure, they will not just approve any short sale.

When I submit your short sale file for approval, I will come up with a strategy that will have the lender feeling positive about approving the short sale.

Remember, your short sale file will be reviewed by a human being just like you and me. Someone that can’t help but understand and feel the problems other people have to face in life.

I will help you outline the events that caused you to fall behind on your mortgage so that the loss mitigation representative handling your file will look for ways to give us approval.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on One Key To Getting A Fresno Short Sales Approved is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – Most state governments have determined that the practice of offering consulting services to those with delinquent mortgages presents an opportunity for abuse.

You don’t need to pay any consulting fees to get the help that you need to resolve your unpaid loan.

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

You have a chance to work with your mortgage company to determine what options may be available to resolve your unpaid mortgage.

If the problem that led to this is temporary, you may explore the option of a Forbearance or loan modification agreement with your mortgage holder. We offer a free guide to negotiating a loan modification agreement with your lender.

There is a possibility that your situation may involve legal issues. In such a case, you may need to consult an attorney that specializes in either real estate or contract law. They can advise you on how to proceed forward.

Are you in this complex situation and do not know what to do? You are just a call away from getting the assistance that you need.

Just give me a call. I do not charge any consulting fees and will do all I can to give you the help you need.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Fresno Short Sales: Do Not Pay Any Upfront Fees To Anyone is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – Patience, persistence, and a lot of experience is required to convince a lender to approve a short sale. It is a process with many steps.

Do “NOT” allow a buyer to work directly with your lender!

Don’t let the buyer speak for you. You will be required to provide so much financial information and documentation to your lender.

This is not something to let your buyer discuss with your mortgage holder. If you do, you will have no control over what the buyer tells your mortgage holder.

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

Getting the best deal is always on the mind of the buyer. That could ruin the entire process. A lengthy negotiation period will leave you with absolutely no time to avoid foreclosure if the sale doesn’t work out.

Get a professional to do this for you. It costs you nothing. Never get stuck in your situation and let the process run without your control.

Getting a real estate professional to handle your short sale file is absolutely free and an option worth taking. The mortgage holder pays any real estate fees involved and you pay nothing.

In addition, the mortgage holder knows that it is in their best interest as well as that of the borrower to the have short sale file put together properly by a professional that does not have a conflict of interest right from the beginning.

We’re ready to represent you just the way we have successfully done it for many others. 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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on How To Convince A Lender To Approve A Fresno Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – Mistake #1: Deeding your property to a third party without confirming that your debt has been paid off.

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

You will need to consult with an independent attorney, not the buyer’s attorney. Deeding your property will render you powerless.

The new owner will always have control and as such they can do anything with the property, including renting it out and keeping the rent, or even attempting to sell it to make profit.

This may in return have a negative financial impact on you because the new owner might not make your mortgage payments. As you well know, this can cause huge damage to your credit.

Mistake #2: Selling your home at a huge discount.

Take time to explore your options especially when your foreclosure sale is more than 45 days away. Take a day or two making phone calls just to try and find an appropriate solution for your situation.

Do not allow a buyer to push just to get you sell them your property. In such a case, the deal will most likely be favorable to them and not to you. Equity in your home belongs to you.

Mistake #3: Authorizing a prospective buyer to deal directly with your lender.

The buyer will always ask your lender to accept a discounted payoff. The negotiations may be longer than expected and if they fail to agree, the buyer may decide not to buy your property.

This could waste time for you. Before you realize, you may not have time to resolve the situation and avoid foreclosure. In addition, not knowing what goes on between the buyer and your lender may be detrimental to you.

It may happen in such a way that the buyer could handle the negotiation and presentation of information in a way that makes it very difficult for you to resolve your loan situation later.

If you believe that this is the best option for you, please make sure that you consult with a real estate professional or an attorney before signing a contract.

Hiring a real estate professional to represent you costs you nothing as the lender will pay the fees. We have helped homeowners like you and we can do it for you at absolutely no cost.

The worst thing for you to do is to sit back and do nothing about your situation. 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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Fresno Short Sales: Mistakes To Avoid When Facing Foreclosure is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – The Stop Foreclosure Institute is closing another short sale tomorrow. The sellers had a job transfer out of state. They were short selling an FHA loan with a second mortgage. The short sale was fairly simple because FHA’s short sale guidelines.

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

Here was how these sellers benefited from the short sale.

Benefit #1: The sellers were able to walk away with the debt wiped out completely. The FHA short sale guidelines released them from the first mortgage debt. The second mortgage also gave them a complete release. At first they weren’t willing to do that. But, we offered them a little extra money in return for a complete release. Fortunately they agreed to it. This meant that the sellers were able to completely wipe out a total of $80,000 in upside down debt.

Benefit #2: Limited Tax Consequences. These sellers will only owe taxes on approximately $30,000 of the loss. Why? Because that was around how much money was borrowed on a home equity line. The Mortgage Debt Relief Act of 2007 states that you will not owe taxes on a loss if you used that money to purchase or remodel your home.

However, if you borrowed and used the money for something else, then you would owe taxes on the loss. You would owe the money whether you short sold, or the lender foreclosed. This is only my opinion after reading the law. I recommend that you talk to a competent tax professional before making any financial decision.

Benefit #3: The will be eligible to buy another home in 2 years. Current Fannie Mae Rules allow homeowners to buy another home 2 years after a short sale. Compare that with the 5-7 year wait after a foreclosure.

Benefit #4: The sellers paid no money for the short sale. Everything was paid for by the lender. The short sale lender paid the real estate agent, title company, and all the other fees. They can look forward to getting their financial life back on track.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Fresno Short Sales: How do I benefit from a Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – Many home buyers think that the short sale lender is in charge during a short sale. Nothing could be further from the truth.

The short sale lender can only veto short sale offers. They can’t put the property up for sale or decide who to sell it to. Only the home owner can do that. Why is that?

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Until the lender forecloses on the home the home owner is in the driver’s seat. They “own” the property until the lender forecloses.

We have had many buyers get angry that a home owner would not accept their lowball offer. “You have to submit my offer to the lender. If you don’t then that would be fraud”, they tell the home owner.

You, the home owner are in charge. That means that you can make the following decisions.

You are allowed to pick the buyer’s offer that you think the lender will be most likely to accept.

You are allowed to turn down offers that you don’t like for whatever reason. (Maybe the buyers are too picky about the home and want you to make repairs.)

You are allowed to turn down offers if the buyer is not pre-approved for a loan. In addition, you can ask the buyer to inspect the property before they write a contract.

You are allowed to ask for an earnest money deposit to make sure the buyer is serious about the house.

It is your right to do these things for as long as you own the property. Don’t let anyone tell you otherwise.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Fresno Short Sales: Who is in charge during a short sale? is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – A home owner thinking of a short sale recently asked us why they should short sale versus just walking away and letting their lender foreclose on the home. We gave them the normal answer: “It’s much better for your credit.”

That was the first thing that popped into our head. But, I knew there are more benefits to a home owner than simply better credit. So I put together the entire list and here they are.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

1. The upside down debt is erased in most cases. If you are selling because of a financial hardship, then the upside down debt will be automatically erased in most cases. Is your loan is owned or insured by the following agencies: Fannie Mae, Freddie Mac, FHA, and or VA? If you are short selling because of a financial hardship, their policies state that your debt will be erased.

2. You are eligible to buy another home much sooner compared to a foreclosure. The most common loan program, Fannie Mae, stipulates that you can buy another home under their program in 2 years. FHA, a popular low down payment loan program stipulates that you can qualify for an FHA loan within 3 years.

3. No Cost To You. That is right. A short sale costs you nothing. All of the expenses are paid for by your lender. That includes the title insurance, any county taxes or fees on the sale, attorney fees, and the Real Estate Agent. If the lender foreclosed on the house and then tried to sell it, they would have to pay all the costs. So why not pay the costs with a short sale?

4. Your credit suffers less damage. Most people think that a short sale will be the kiss of death to their credit. That is the one big advantage of a short sale over a foreclosure.

Upon completion of the short sale, your credit score will drop between 50 and 100 points. However it will rebound fairly quickly. The other benefit is that you will have less debt. (A lot of debt hurts your credit score.) You will have a lower debt to income ratio, which will boost your credit.

In a couple of years your credit will be back to normal and you can buy another home. In addition, anything and everything bad on your credit can be fixed thru the dispute process.

5. You can often rent a comparable house for less than your former mortgage payment. In one example, a homeowner in foreclosure found a larger home. It even had a fenced backyard for their kid and a garage. Their prior mortgage payment was $1,500. They rented the nicer, bigger house for $850 a month.

6. You avoid the humiliation of a foreclosure.

7. You don’t have to pay rent during the short sale process. A short sale can take up to 6 or 9 months. Not all of them do. But, some do. If you aren’t concerned about your credit, then you can stop making your mortgage payments during the short sale. You can use the savings for the deposit on a rental.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Seven Ways You Benefit From A Fresno Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Fresno CA – 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.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

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.

Fresno CA – We often get asked if a short sale is even worth the effort. “Do I need to have my short sale “Approved” by my lender before I put my home on the market?” one seller asked us.

“When I called my lender they wouldn’t talk to me about my short sale. I am concerned that they might do that when I finally sell the property and I’ll never get the short sale approved.”

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Here was our answer. Most lenders will not talk to you about a short sale until you have several things in place.

They want a solid offer from a pre-qualified home buyer along with all the necessary financial documents. Why do they do this?

Because they only want to process short sales that will sell and close. Now, I think it’s a stupid way to do things. Instead of refusing to negotiate short sales until there is an offer on the table, they should instead pre-approve short sales.

It would make the process so much easier. A home could be placed on the market at a set price. Buyers would be more interested in the property because they know they can get an answer in 2-3 days versus 2-3 months.

We have brought this up with Matt Vernon, the Vice President of Bank of America’s Short Sale Department. He knows there is stuff to improve.

But, it’s hard to change the course of a huge company with so many different parties involved. Despite all this, experienced short sale agents are getting short sales approved every day.

The Short Sale Process is getting better and easier to navigate. More and more lenders are moving towards “Approved” Short Sales.

You just need to find a good short sale realtor that can navigate their way thru the crazy short sale process.

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 gary@garypamma.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 559-549-7355

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fresno loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Gary Pamma.

Gary is a Real Estate Broker at Realty Marketing Team. Fresno Short Sales Realtor:

Phone: 559-549-7355. gary@garypamma.com.

Expert Advice, Guaranteed Results.

View My homes for sale at www.fresnohomeinfo.com.

Gary Pamma specializes in loan modification assistance and short sales in Fresno California. Fresno Loan Modification Help, Fresno Short Sales. Fresno Short Sale Realtor. Clovis Loan Modification Help, Clovis Short Sales. Madera Loan Modification Help, Madera Short Sales. Kerman Loan Modification Help, Kerman Short Sales. Sanger Loan Modification Help, Sanger Short Sales. Selma Loan Modification Help, Selma Short Sales. Selma Loan Modification Help, Selma Short Sales. Parlier Loan Modification Help, Parlier Short Sales. Fresno CA Short Sales. Fresno Realtor.

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Important Notice

Gary Pamma, Realty Marketing Team, 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?

The views expressed here are Gary’s personal views and do not reflect the views of Realty Marketing Team.

This information on Does My Fresno Short Sale Have To Be Approved Before I Put It Up For Sale? is provided as a courtesy to our viewers to help them make informed decisions.