Roseville Short Sale Specialists Help Homeowners

IS-YOUR-MORTGAGE-OUT-OF-BALANCE-WITH-YOUR-BUDGET

Mon, 14 May 2012 17:24:42 GMT

It can happen quickly.

An expensive car repair, an emergency, an unexpected illness – just a couple of little things and the life you’ve worked so hard to and your finances can begin to feel completely out of balance.

No one is immune from the housing crisis in this country. The foreclosure crisis has hit every income, every region and every education level. Take a look at some of these numbers:

Number of consecutive years home prices have fallen: 5

Number of homes lost to foreclosure since 2007: 7.9 million.

In 2011, 1.9 million homes were foreclosed on. In most economic times, that would be a lot of homes, but that was actually the lowest number of foreclosures since 2007.

When you find yourself in financial distress because of an unaffordable mortgage it can make you feel like the scales are tipped against you and that there is no way out.

You have options. I have a Distressed Property Expert (CDPE) designation and I can help you with options and help you avoid scams.

REMEMBER: DOING NOTHING DOES NOT SOLVE ANYTHING!

Foreclosure results from non-payment of a mortgage and homeowners don’t reach out for help before letting this happen. The unfortunate fact is that there’s a lot more to foreclosure than losing your home. Foreclosure carries long-term consequences. It affects your credit. After foreclosure it may be 7 years or more before any bank will consider letting you buy a home again. The fact is foreclosure almost never needs to happen— especially today.

IS a SHORT SALE RIGHT FOR YOU?

If you are no longer able to make your home payments, and you owe more on your mortgage than your home is worth, you’re in good company. An estimated one-fourth of all U.S. homeowners are Upside Down on their mortgage—meaning they owe more on their home than they could get from selling it in today’s market. Often the best solution for homeowners in this situation is a short sale in which the bank agrees to accept less than is owed on the mortgage. The bank doesn’t want to foreclose on your home and short sales are more common than ever before.

The situation is complicated and the stakes are high. Never has it been more important to have a local market advocate on your side.

Contact me today and let’s get started! When you contact a CDPE, we will go over your options to avoid foreclosure. Here are some of them:

Forbearance or Repayment Plan:

If the hardship which caused you to miss your payments was temporary but you cannot afford a payment to qualify for reinstatement, you may be able to negotiate a forbearance or repayment plan. In this case, you may be able to pay the missed payments over time, or the payments can be placed at the end of the scheduled loan amortization.

Sell the property

If you have equity in your property than can cure the foreclosure (and you have time to wait for a buyer) then this may be an option for you.

Rent the property

Renting your home might be an option which enables you to pay your mortgage. You are still responsible for all costs associated with the house including maintenance and taxes.

Mortgage Modification

In some cases, you may be eligible to modify your loan in a way that reduces principle or lowers payments. Some of these programs vary from bank to bank but there are also government sponsored programs which are available to help homeowners in distress.

Refinance get back to more affordable payments. This will be determined by your credit, if you are current on your loan and how much the property is worth.

Bankruptcy

In some cases, bankruptcy is an option. It may stop foreclosure and allow you to reorganize your debt. The stoppage is only temporary and if you are still unable to make payments then foreclosure will go through anyway. It also makes a property

Short Sale

You sell your property for less than it is worth and the bank, realizing that some money is better than no money at all, agrees to release you from your obligation to the remainder of the loan.

In some cases, you are able to walk away from the loan clear of any obligation.

Contact me today or a REALTOR in your area for a confidential consultation and help navigating the option that best suits your situation.

AVOID MORTGAGE SCAMS! KNOW THE SIGNS:

You are told you will get a federal incentive to walk away from your mortgage
You are asked to pay upfront for counseling
You are pressured to sign papers immediately
You are asked to sign your house over to a company or person who is not working with your mortgage company
You are asked to make a mortgage payment to someone other than your mortgage company without their approval
You are guaranteed a successful short sale or mortgage Loan Modification
They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at: 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant:

https://www.ftccomplaintassistant.gov Contact me today and let’s get started!

Kathy Dyer Roseville Short Sale Specialist, you pay me nothing to do a short sale. Serving Roseville, Lincoln, Rocklin, Granite Bay, Loomis, Folsom, Citrus Heights, Orangevale, Fair Oaks, Sacramento and areas in Placer and Sacramento County.

Roseville Short Sale Hope for Over leveraged Real Esate Investors and Home Owners

Thu, 13 Oct 2011 08:57:56 GMT

Renewed trust for tough times

Does it feel like trust is one of the major casualties of the economic meltdown of 2008 – followed by the “Great Recession,” the “Jobless Recovery” and now the threat of a “Double Dip Recession?”

Weren’t we assured that home values were destined to go up and up and up?
There have been lots of promises that help is on the way—and lots of warnings of scams and schemes that have only served to confuse the matter. So where’s a homeowner who’s underwater or overleveraged real estate investor to turn?

Here’s the bottom line: the choices that homeowners make when they feel they are at the end of their rope will have ramifications for years to come on their ability to qualify for credit, their job prospects, their security clearance and their overall finances.

When a family’s financial trajectory is rapidly heading in a negative direction, there’s no substitute for the helping hand of a knowledgeable expert who has the integrity, the experience and the training to reverse the course—someone who is tapped into regulatory initiatives and can separate fact from fiction.

It is my mission to serve as a credible source of information and perspective to homeowners who have found themselves in a tough situation and need help sorting through their options. That’s why I sought out the Certified Distressed Property (CDPE) designation—the most renowned and recognized credential in the distressed property field, and it’s why I continue to stay on top of regulatory and industry developments that impact options available to homeowners who are struggling with their current financial situations.

My message to homeowners who do not know where to turn: there is hope. Foreclosure is not inevitable and neither the government nor your bank wants to see that happen. No one expected to find themselves on the brink of foreclosure, but I have worked with countless clients who have managed to turn their financial trajectory around and get on a path of financial recovery.
It CAN be done! And it would be my privilege to help.

We just closed a short sale on an investment property in Roseville Ca, the homeowner could not continue to make the payments. His rental income was not covering his mortgage payment anymore and it was a burden. We were able to short sale his Roseville investment property without any deficiencies owed. His tax situation was fine as well.

If you find yourself struggling to make payments on your home residence or even an investment property, give me a call and let's see what your options are.

Kathy Dyer Roseville Short Sale Certified Distressed Property CDPE Designation, you pay me nothing to do a short sale. Serving Roseville, Lincoln, Rocklin, Granite Bay, Loomis, Folsom, Citrus Heights, Orangevale, Fair Oaks, Sacramento and areas in Placer and Sacramento County.

Home Owner Cash Incentives for Short Sales are Real

Wed, 12 Oct 2011 21:58:36 GMT

It’s time to take another look at short sales

As recently as a few months ago, if you would have told a real estate agent who specialized in short sales that they’d be raving about a lender’s stellar service and rapid approval times - not to mention significant cash incentives for financially strapped homeowners for pursuing a short sale-you’d have gotten some strange looks.

That’s all changed. And it’s changed faster and to a greater extent than most real estate professionals ever could have imagined. With a glut of bank-owned properties dragging down the recovery of the real estate market, as well as the national economy, major lenders are more eager than ever before to avoid foreclosure. So they’ve sharpened their focus on short sales. Big time.

The biggest lenders in the country have staffed up to ensure rapid processing of short sale applications. They’ve ponied up with cash incentives at closing for homeowners who pursue a short sale. And they’re proactively reaching out to CDPE agents and putting them in touch with delinquent borrowers. I was recently contacted by Chase Bank to do a short sale for my client. Chase pre-approved them for a short sale and offered them a $30,000 cash incentive once we closed the short sale. I was able to secure a good offer and get an approval within 18 days.

This is big news and the media has not really caught onto it yet. What’s important for you to know is that whatever you’ve read or heard in the past about long lag times and frustrations with short sales is probably no longer the case.

As a member of the CDPE Advanced community, I’m tapped into major lenders and on top of major developments affecting short sales and bank-owned properties. I invite you to visit my website www.HomeTeamGirls.com to learn more and feel free to contact me any time at 916-759-2147 or Kathy@Kdyer.com if you or anyone you know is struggling with an unmanageable mortgage.

A Dignified Solution to Foreclosure

Fri, 04 Jun 2010 20:54:20 GMT

You Deserve a Dignified Solution To Foreclosure

The economy today has been especially hard on homeowners who are facing financial hardship with their mortgage. One out of 10 people are late on their mortgage. We meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get our free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact us right away.

We're here to help.

Short Sales Success For Granite Bay Distressed Home Owner

Fri, 21 May 2010 10:37:20 GMT

Kathy Dyer helped me short sale my home in Granite Bay with flying colors!

Due to an unexpected hardship I had to make one the hardest decisions I have ever made. I had to sell a home I fell in love with and lived in for the past 5 years. Due to the economy and the real estate market, the home appraised for much less than I owed on it. I was unable to refinance and the loan modification programs did not work for me. I did not want to go into forclosure or file bankruptcy. I just didn’t know where to turn.

I met realtor, Kathy Dyer when she helped me stage my home. I found that she also dealt in short sales. I knew Kathy would do a good job because of her professionalism and personalized way of doing business. Kathy did not disappoint me, but exceeded my expectations.

Going through a short sale can be a long stressful process but Kathy made it much easier on me by negotiating with the banks so I didn’t have to. Kathy was in touch with me every day keeping me informed during the entire process. They were able to negotiate a deal that the banks were happy with and did not totally compromise my financial future.

I am very impressed with Kathy’s professionalism and how much she really cares for her clients. You should be very proud to have Kathy Dyer as an real estate agent for Keller Williams.

Thank You, Kathy!

Lorie from Granite Bay CA

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Are you eligible?

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions. By filling out the form below- rest assured- we will not call you or contact you unless you tell us to. We just want you to have this important inoformation.

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. We meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get our free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact us right away.

We're here to help. By filling out the form below- rest assured- we will not call you or contact you unless you tell us to. We want you to have this important information.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deed in lieu of foreclsure allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short selling may have less of an impact on credit scores than a bank foreclosure.

To get all the short sale information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away. Remember- we will not spam you, you information will remain private. We will contact you only if you request it.

We're here to assist you.

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional, in the Roseville CA area, who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.