San Jose Short Sales - FREE Specialist Realtor Help in San Jose, California For Sale

San Jose California Short Sale Specialist - Stop Foreclosure
 
 Contact the San Jose CA Short Sale Specialist Realtor Team for FREE Stop Foreclosure help! (877)737-xxxx
 
If you are in financial hardship where you MUST get your home sold, we may have a solution!  We are a network of San Jose short sale specialist Real Estate agents, who work with your lender on your behalf in order to get them to accept a lower payoff amount on your loans.
You do not always have to be in default, or even late on payments to qualify for a short sale! 
Fees are paid by your lender 100%, you do not have to pay any money out of pocket!
Our agents will work to get you forgiven of your debt 100%, regardless of what you owe!
We are NOT home investors trying to steal homes! Our agents are ALL state licensed and regulated!
***A short sale is NOT part of the Realtor basic training! Our agents are experts in San Jose Short Sales!
 Give us a call to discuss a solution!  Remember, our service does not cost a penny!
Short Sale Specialist Network
www.short-sale-specialists.com
Call Toll Free (877)737-xxxx
 
 
 
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Please note that we are NOT attorneys or accountants!  Seek appropriate legal coucel in all legal matters!
First Coast Realty Associates 
 
FREE Stop San Jose California Home Foreclosure with Expert Foreclosure Specialist Realtor Help!
 
Short Sales may getting quicker and easier in the near future!  Obama Administration recently announced Financial Incentives and Uniform Process for Short Sales. This is excellent news for home owners across the country, and will help many home owners avoid home foreclosure across the country by working a short sale and streamlining the San Jose CA short sales process.
Responding to the call of the National Association of REALTORS®, on May 14, xxxx, the Obama Administration recently announced incentives and uniform procedures for short sales under its new Foreclosure Alternatives Program (FAP). For borrowers who do not qualify to have their loans modified on a permanent basis under the Making Home Affordable Loan Modification Program, the servicer may consider a short sale or, if that is not successful, a deed-in-lieu of foreclosure.
Lender Incentives.
Incentives include: (1) $1,000 for servicers for successful completion of a short sale or deed-in-lieu of foreclosure; (2) $1,500 for borrowers/homeowners to help with relocation expenses; and (3) up to $1,000 toward the cost of paying junior lien holders to release their liens (one dollar from the government for every $2 paid by the investors to the second lien holders).
Borrowers (Homeowners).
Borrowers/homeowners qualify under the new program if they meet minimum eligibility requirements for the Home Affordable Modification program but don't qualify for a modification or do not successfully complete the three month trial period. Before proceeding with a foreclosure, servicers must determine if a short sale is appropriate in every case.
Standardized Short Sale Documents.
The program will include streamlined and standardized documents, including a Short Sale Agreement and an Offer Acceptance Letter. The goal is to minimize complexity and increase use of the short sale option.
Property Valuation by Appraisal or BPO.
Servicers will independently establish both property value and minimum acceptable net return, in accordance with investor requirements. The price may be determined based on an appraisal or one or more broker price opinions (BPOs), issued no more than 120 days before the date of the short sale agreement.
Timeline.
In the Short Sale Agreement, servicers must give borrowers/homeowners at least 90 days to market and sell the property, or up to one year, depending on market conditions. Property must be listed with a licensed real estate professional with experience in the neighborhood, or short sale specialist.  Make sure your San Jose area Realtor is a short Sale specialist or expert, as you may only get one shot!  No foreclosure may take place during the marketing period (at least 90 days) specified in the Short Sale Agreement.
Commissions.
The Short Sale Agreement must specify the reasonable and customary real estate commissions and costs that may be deducted from the sales price. The servicer must agree not to negotiate a lower commission after an offer has been received.
No Borrower Fees.
Servicers may not charge fees to borrowers/homeowners for participating in the FAP.
Program Expiration.
The short sale program is in effect through xxxx.
Deed in Leiu of Foreclosure Option.
Servicers have the option to require the borrower/homeowner to agree to deed the property to the servicer in exchange for a release from the debt if the property does not sell within the time allowed in the Short Sale Agreement (plus any extensions).   This option is usually NOT in the home owners best interests, as the lenders can come back and seek a deficiency judgement years up the road in most states.  In addition, this option scars the borrowers credit very similarly to an actual foreclosure.
This should help the San Jose California Short Sale Process.  Our agents are San Jose California Short Sale Expert Realtors, and offer Free Short Sales Help and process guidance for property owners in hardship Throughout California including San Jose, CA Short Sales
Beware if investors if you are in financial hardship!  Watch out for anybody who is offering to "buy" your home, but insists on offer a "$10 option contract" instead.  These saavy scam artists are only out to illegally flip your home to a REAL home buyer, and usually cause more harm than good!
Are you looking for a short sale specialist in San Jose California?  Our agents are San Jose Short Sale Expert Realtors®, we offer free short sale help to home owners in financial hardship free of charge.
Contact our team at (877)737-xxxx if you are in need of Free San Jose California Short Sale Help
Copyright xxxx First Coast Realty Associates
Looking around for a San Jose California Distressed Property Expert Certified in short sales to offer free Chase short sale services? Our San Jose and San Mateo CA area Distressed Property Expert Certified real estate agents are here to help, and are Certified or trained in the California Home Affordable Foreclosure Alternatives, or CA HAFA Government short sale program.
• Location: San Francisco, San Jose / South Bay
• Post ID: xxxx364 sanjose
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