Temecula Short Sale Expert
Like many Temecula homeowners caught in the misfortunes of our global economic contraction, you’ve found it harder and harder, even impossible, to make your monthly house payments. Deep down, you know that it’s going to stop. You will not be able to sustain your payments and living expenses as they are now.
You’ve heard the term, short sale bantered about, and as you’re probably well aware, there are many Temecula short sale agents ready to list your home. Some agents may regard it as an easy listing as they have no real skin in the game. These same agents will list all the Temecula homes they can and only a few will sell.
Your Temecula home likely is already a liability that can harm your credit through foreclosure but it will be reported as paid as agreed at the end of a short sale, helping you smoothly transition to a fresh start.Choose the best qualified and experienced Temecula short sale agent who is more interested in helping you to a successful close than just making you another number that ends up foreclosed on.
You can have confidence in my ability to help you. I’ve been helping homeowners in Temecula for over 17 years to success with their short sales.
I specialize in timely and completed approved short sale closings, with minimal impact on your credit and no drama.
If you think it’s expensive to hire a professional,wait until you hire an amateur!
by Sidney Kutchuk - Realty Works broker & Certified Short Sale Agent – 951-215-6745
Why should I short sale my Temecula home?
Chances are you already know the answer, but need to rationalize it out
Questions about a short sale
in your mind. Before going forward with a short sale lets go over a few reasons
a Temecula short sale may be the correct solution for you and your family.
Obvious reasons.
- Your home has lost value and you see no recovery in the near future.
- Your payment has or is adjusting up and you can no longer make the mortgage payment.
- Job loss,reduction in pay,relocation.
- Retirement,divorce,health……..
Not so Obvious.
- Current laws have opened a window for you to get a fresh start via a short sale.
- Current tax benefit windows will be closing soon.
- A Failed loan modification,this could be your golden ticket into a short sale.
- Saving your credit,Yes a short sale will allow your credit to bounce back quickly.
- No Realtor Fees – you pay no commissions or fees for your short sale.
These are just a few of the facts that may answer your question,”should I short sale my Temecula home?”
I have been helping local Temecula homeowners for over 16 years and have earned the title Temecula Short Sale Specialist and I’m also a certified *HAFA short sale agent.
Lets can go over your situation in detail and then if you decide a short sale is for you, we will go over the process on how to get your Temecula short sale approved at no charge to you. Call me at 951-215-6745
Received this email today from Bank of America.
They are offering up to $30,000.00 in extra incentives for a limited time.
If you thinking of Short Selling your home call me at 951-215-6745 or you can email me at Expert@aShortSale.com
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Short Sales in Temecula CA – Not Easy
Have you seen some agents pitch Temecula Short Sales as an easy way out of your mortgage?
Well a short sale is an option for many homeowners but seldom is it easy,it’s a process.
I am a short sale specialist and after 17 years of doing short sales I can make your short sale seem easy.I work with all the major lenders and know what it takes to get you a short sale approved. Plus I get you through the entire short sale process with no drama just results. You will need to provide me with some personal information which I will review and package into a proven short sale package that your lender will review for approval. I have found that most of the processors at the major banks want to approve your short sale, but can’t if your short sale is not packaged correctly. Many agents lack the knowledge and experience on how to package a short sale for success.
So while short sales are not easy, they may be your best option to avoid a foreclose or even a strategic way out of a bad mortgage.There are no out-of-pocket costs to you when you choose to do a short sale.So why not have the best Temecula short sale agent working for you.
If you think it’s expensive to hire a professional,wait until you hire an amateur!
I have been able to stop many bank foreclosures, even when they are just days away from the sale date. But this homeowner got to close to edge.
Today a Temecula homeowner lost his home to foreclosure. He contacted me last week asking about the Short Sale Process and told me a sale date had been set for the following week. The bank was set to foreclose in four days. This homeowner has done everything to stall the banks,a loan mod,a bankruptcy,a second loan modification and now he wanted to do a short sale.With only four days left before the sale date I sent him the forms I needed to stop the bank sale. The only form I need back ASAP was a 3rd party authorization. This form once signed by the seller allows me to contact their lender and request that the sale date be postponed.This would allow me time to process and start their Temecula short sale.
This seller had been able to push back the sale date 3 times before. He did not take me seriously when I requested of him to get me back the form that day. All it needed was his signature,loan number and social security number. He waited two days to get it back to me. Once I received it I was able to contact the bank and ask for the sale to be stopped. It was too late for this Temecula homeowner,the bank went forward and foreclosed. I think they had had enough of his stalling the foreclosure process. The Short Sale was denied.
Don’t wait till the last moment. A short sale is an option to foreclosure. I can help you with no out-of-pocket costs. This is what I do and I do it well. Call or email me I have provided the links below. Sidney Kutchuk - Expert@aShortSale.com 951-215-6745.
By Sidney Kutchuk – Certified Murrieta Short Sale Agent.
HAFA Certified Short Sale Specialist
A short sale is a type of real estate transaction were you need to be sure you have the best Murrieta Short Sale Agent on your side.
WHY? Because a short sale is a pre-foreclosure sale and you risk loosing your home to foreclosure if the sale is not handled correctly.
Time is of the essence with all real estate transactions, but with a short sale it is even more important to keep tract of the many moving parts that are part of the short sale process.
Realty Works has a proven tract record helping local Murrieta homeowners with NO “Out-Of-Pocket-Costs”. Get the facts before you list you Murrieta home. The hardest part of a short sale is not knowing what to do. Lets talk. I can and will advise you of your options. There is no pressure from me,use my 17 years of short sale experience to make your choice. If you decide a short sale is the correct option I will step you through the short sale process and tailor my program to your needs. I have many ways to get to the goal which is an approved short sale.
Email me Expert@aShortSale.com or call me 951-215-6745
I am here to help. I am a certified HAFA Murrieta Short Sale Agent.
Avoiding mortgage relief scams – Source C.A.R. Market Matter Report
The offers seem like answers to the prayers of a struggling homeowner: A promise of legal tactics to forestall foreclosure, reduce mortgage balances and interest rates, or restore credit. But these so-called mass joinder lawsuits being advertising in mailings are fraudulent – sent out by companies purporting to be law firms, according to a consumer alert by the Federal Trade Commission’s (F.T.C.) website.
Making sense of the story
- Consumers can lose valuable time to these dishonest players – not to mention money. The nonprofit Lawyers Committee for Civil Rights Under Law estimates that homeowners nationwide who reported scams to its database have lost more than $60 million in the last two years alone.
- There are many credible law firms around to help homeowners. But some businesses might be promoting themselves as providers of legal services, they might have only one lawyer on retainer, as a way around F.T.C. rules that allow only lawyers to collect upfront fees on mortgage aid.
- Such firms, and people posting as lawyers, are fueling a 60 percent jump in complaints about mortgage scams this year, according to a report by the homeownership Preservation Foundation, which helps distressed homeowners.
- When speaking with a lawyer, consumers might ask about the lawyer’s track record, including documentation of successes via media reports or signed court documents awarding borrowers money or relief.
- Consumers should beware of promises. According to the Homeownership Preservation Foundation, “legitimate lawyers don’t make guarantees, just like doctors don’t.”
- There are plenty of free services available at nonprofit groups certified by theDept. of Housing and Urban Development.
Realty Works Temecula offers an honest “no out -of- pocket cost” solution called a short sale.
- The CALIFORNIA ASSOCIATION OF REALTORS® also has information available about short-sale and foreclosure-prevention fraud. Visithttp://www.car.org/aboutus/forconsumers/loanfraud/ for more information.
Temecula Short Sale Specialist
Rumor has it that the time frames for short sales will soon be reduced. As a Temecula short sale expert I keep reading that the major lenders and even our government are working, even mandating that the inventory (housing) & time to complete short sales must be reduced.
Two years ago it was the U.S. Treasury HAFA short sale program that was going to streamline the short sale process. HAFA made many welcomed changes but did NOT result in reduced time frames. This year we are now being told that new Federal rules could speed up the short sale process. The key word being could.
Here is the line were being fed….
Homeowners can expect a response from their bank on a short-sale offers within 30 business days, with a final decision taking no more than 60 days, if their loan is owned by Fannie Mae or Freddie Mac.
All in all I do expect to see some progress but I am skeptical that banks and servicers will be able to reform their staffing practices to achieve this — even if penalties are imposed. But this is a good sign and I do feel some time will be shaved off most Fannie & Freddie Mac short sales. Currently I quote my Temecula short sale clients 90 days as the average time to get their short sale approval letters.
Some of the complications inherent in short sales are beyond the control of regulators or banks, or servicers. Buyer’s putting in multiple offers, and or changing their minds force seller’s and Realtors to come up with replacement buyers.
Short sales continue to provide Temecula and Murrieta homeowner an option to foreclosure.
If your thinking “is a short sale a solution for me” let me show you the facts.
I offer my services at no out-of-pocket costs to you. My direct line is 951-215-6745
By Sidney Kutchuk - Realty Works Temecula broker & Certified Short Sale Specialist.
Temecula Short Sale – Investor Alert – Pool Home under $180,000
 
Temecula Short Sale – Pool Home
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Overview Maps Photos Description Neighborhood Market Stats
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Sidney M Kutchuk
Realty Works Temecula
(951) 676-4663 Expert@aShortSale.com http://www.aShortSale.com
Listed by: Realty Works Temecula |
Nearby properties for sale
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This home is not a Temecula Short Sale.
Wrangler Dr. Murrieta Ca. $294,900
Its former owner lost it to foreclosure and now I have it listed for sale.
If you are in the market for a large Murrieta home,approx 3,700 SqFt or have questions on the short sale process,visit me at this home on Saturday.
I will be holding this Murrieta standard sale home open from 11:00 till 2:00
Not a Short Sale – Buy now!
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Overview Maps Photos Video Market Stats |
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Sidney M Kutchuk
Realty Works Temecula
(951) 676-4663 Expert@aShortSale.com http://www.aShortSale.com
Listed by: Realty Works Temecula |
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Our recent listings
Temecula Short Sale Agents – Featured Home
Not a Short Sale – Buy now! Fontana Homes for rent. Temecula Short Sale Specialist – Pool and View Home for Sale. Bank Owned Murrieta Homes – REO
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Nearby properties for sale
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It’s safe to sell your home again
Buyers Market?
While analysts debate when the housing market will hit bottom, for a surprising number of cities the turnaround has already begun. In December, prices rose in 109 of the 384 metro areas tracked by data firm CoreLogic.
Making sense of the story
- There are certain signs to help determine if a particular neighborhood is on the verge of a rebound. For instance is local employment on the upswing? That’s a critical factor for a region to get itself on the path to recovery. Improving jobs picture has led to shrinking housing stock across the country, as investors and bargain hunters have started buying up foreclosures that have been preventing a recovery.
- For years, buyers were scared of overpaying for a home, but less so now. Many buyers have grown accustomed to thinking they’ll score deals, so they tend to act slowly, and typically start bidding around 10 percent to 15 percent below list price. However, a growing number of buyers are beginning to realize that if they wait too long in this market, they may miss out.
- Sellers can hold firm on price if they’re patient. The days of having to deal with low-ball offers are coming to an end. The higher the price, the more patient the seller must be. Cheaper homes are affordable to more buyers and appealing to investors, so recoveries usually start there.
- Sellers should keep in mind that while they don’t have to placate low-ball offers anymore, they also can’t shoot for the moon either. Working with a REALTOR® and setting a realistic price from the get-go is key.
- Sellers should know what they’re competing against. Homeowners should let their home’s value dictate the price. While this may seem self-evident, some owners may have lost sight of it during the bust. On the one hand, some sellers clung to the false hope of a return to boom prices, so they set prices unrealistically high. Others may have gone too far the other way, and set their price too low.
- It’s also important that sellers understand they’re no longer competing with gutted foreclosures. Buyers are tired of looking at worn-down, neglected, distressed properties and often don’t have much extra money to do a lot of fixing up. REALTORS® often report their clients are willing to pay a little more for a home that’s ready to move into.
- Source – California Association of Realtors
Yes you can Short Sale your Temecula CA Home.
Thinking about selling your Temecula home? Wondering if you qualify for a short sale?
Yes you can and yes you do. Now is the time to short sale your home if… you can no longer
make sense of continuing to hold it. Not all short sales are started with seller’s in distress.
Before the real estate bubble burst, many of us looked to buy a home for investment or retirement. Well it did not work out for many of us and now that home is a non-performing asset. Banks know this term well and when they have a non-performing asset they dump it. You can do the same. You need to look out for yourself and your family first. Now is the time to use the option of a Strategic Short Sale. Your lender is open, as never before to work with you, but only if you take the lead. Now is the right time for you to start a short sale. Shed that non-performing asset. Strategically short sale your Temecula or Murrieta CA property. Let me show you how to get started now. 951-215-6745
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