New York Short Sale Specialist - Stop NY Foreclosure FREE
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Free Short Sale Specialist Realtor Help to New Home Owners in Financial Hardship. Stop NY Foreclosure FREE!
Does the current economy have you in a difficult financial situation? We may have a FREE solution for you!
We are a network of short sale Realtors who offer Free short sale real estate services and consultation to New York home owners. If you owe more than the value of your home and are in a situation where you MUST sell, our local agents will work with your lenders to negotiate a lower payoff amount on your home loans and leins, in order to get your property sold around todays market value. This process is commonly called a "short sale" or "short pay".
We are NOT investors, and do NOT want to try to "steal" your home or buy it ourselves. We are state licensed and regulated real estate agents, who are here to serve your best intersts. Beware of investors.
Despite what many agents say, you do NOT have to be in default on your loans or even late on payments in most cases to qualify for a short sale.
In a short sale, your lender pays our fees, as well as the traditional sellers closing costs in a short sale! Our services don't cost you a penny!
Our agents will work hard with your lender to get you fully forgiven of your debt, regardless of the amount owed against your home
On average, it will cost a lender around $58,000 to go through with a foreclosure, it is usually in everyones best interest to accept a short sale on a property.
When foreclosure and your credit are on the line, be careful who you choose to help with a short sale! Contact us today for a free, confidential, no obligation consultation with a licensed short sale expert Real Estate agent.
Do you qualify for a short sale?
Call Toll Free (877)737-4903
Short Sale Specialist Network - First Coast Realty Associates
Short Sale Specialist Network
Mike Linkenauger Team
Foreclosure stinks! Don't throw your credit away without a fight!
Just announced Novemember 30th 2009 is the Home Affordable Foreclosure Alternatives plan. This new incentive offers $3,000 BACK to home owners who complete a short sale, in order to help pay for relocation expenses!
We help Short Sale New York Homes for Free
Rochester NY Short Sale Realtors Yonkers Agents to help stop foreclosure and Syracuse New York Short Sale Specialists, New York City, NY Short Sale Experts and avoid foreclosure specialists, Free Help. Buffalo New York Short Sales, Syracuse New York Short Sale specialists offering free NY stop home foreclosure help. and Hudson Valley New York Short Sale Realtors. Manhattan New York Short Sales Specialist and Pre Foreclosure Real Estate Agents, We help Stop Manhattan NY Foreclosure of Luxury Apartments and Condominiums at no cost to the home owner.
Short Sale Specialists in Bronx, NY, Staten Island New York City Short Sales and Short Pay on your home, condo, Apartment, or New York Real Estate. Brooklyn, NY Short Sale Specialists and Stop Foreclosure Expert Realtors, New York County in New York City Short Sale and Pre Foreclosure Real Estate Agents, Brooklyn County, New York Short Sales Specialist. Short Sale Specialist Realtor in Bronx County, Stop New York Foreclosure, Staten Island County NY Short Sale Real Estate Agents. We help Stop New York Foreclosure of Luxury Homes and Apartments. New York Short Pay
Call (877)737-4903 to discuss options
A Short sale is not the best solution to every situation. This advertisement is meant for general purposes, and does not guaranty anything. First Coast Realty Associates is a licensed Florida Real Estate Brokerage Company. Please seek legal representation in all legal matters, as we are not a lawfirm.
Manhattan, Rochester, Buffalo NY Short Sales and search short sale listings in Buffalo New York. New York City Short Sale Realtor, Queens, Staton Island County NY Short Sale Specialist and Free Stop Foreclosure Help for Homes, Condos, Townhomes, Apartments, and Real Estate
The Obama Administration recently Announced Financial Incentives as well as a Uniform Process for Short Sales. This is very good news for home owners across the country, and will help many home owners avoid home foreclosure across the country by working a short sale on their homes.
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 on the propertyor, if that is not successful, a deed-in-lieu of foreclosure.
A deed in lieu of foreclosure however has a longer impact on the credit (similar to a foreclosure when compared to a short sale. When a home owner does a deed in lieu, it does NOT release them from being liable to their lender for any deficiency once the home is sold. This means that their lender could persue a judgement against the homeowner after a deed in lieu for any money owed. In a short sale, our agents try to work to get you fully forgiven 100%.
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 if needed to find a new property; and (3) up to $1,000 toward the cost of paying junior lien holders to release their liens.
Homeowners qualify under the FAP if they meet minimum eligibility requirements for the Home Affordable Modification program but don't qualify for a modification or do not successfully make payments during the three month period. Before proceeding with a foreclosure, lenders must determine if a short sale is a good idea.
The program will also include standardized documents to use, including a Short Sale Agreement and an Offer Acceptance Letter. The goal of this is to minimize the complexity of short sales and help make the short sale a more attractive option. These forms are available on our website by going to http://www.short-sale-specialists.com/client_services.shtml
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 at their choice. Property must be listed with a licensed real estate professional (Realtor) with experience in the neighborhood, or short sale specialist. No foreclosure will take place during the marketing period specified in the Short Sale Agreement.
Property Valued by Appraisal or Broker Price Opinion (BPO).
Servicers will establish both property value and minimum acceptable net return, in accordance with the investor requirements. The price of the property is based on either an appraisal or one or more broker price opinions, issued no more than 120 days before the date of the short sale agreement.
The Short Sale Agreement will 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.
Fees and costs to home owner
Servicers may not charge fees to borrowers/homeowners for participating in the program. All other traditional sellers closing costs are also paid for by their lender. The short sale process has no out of pocket expence for home owners.
This should help the New York Short Sale Process. We are New York City and Manhattan Short Sale Expert Realtors, and offer Free Short Sales Help and process guidance for real estate owners in hardship.
Our New York Certified Distressed Property Expert real estate agents are here to help, and are Certified or trained in the New York Home Affordable Foreclosure Alternatives, or HAFA Government short sale program. Are you in need of a New York Certified Distressed Property Expert Short Sale CDPE to offer free Chase short sale services?
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