High Mortgage Payment...

Are You Trapped in Today's Mortgage Loan Crisis?

If so, I have the solutions, experience and determination that will eliminate your home mortgage debt problems, protect your loan worthiness and allow you to get on with your life in a dignified and hassle-free manner.

It is NOT your Fault and you are NOT Alone! Arizona's Severe Economic & Real Estate Recession has hurt Thousands of West Valley Home Owners. 

Due to the poor local real estate market in the Phoenix area, and the nationwide mortgage loan crisis, many Arizona homeowners find themselves unable keep up with their increased mortgage payments, and many times the mortgage loan debt is more than the home is worth... in other words - no equity is left in the property. Many homeowners are unable to modify the loan, nor re-finance the home. Unfortunately, many homeowners give up, because they think there is nothing they can do to stop the foreclosure of the home. Well, there IS something you can do that's far better than a foreclosure... it's called a short sale. 

Today in Arizona, 50% of all Mortgage Loan Foreclosure solutions
with banks are resolved through the Short Sale method.

During a short sale, my team of experts have persuasive negotiations with your mortgage banker(s) on your behalf. Utilizing our expertise and vast experience, we are able to convince the mortgage bank(s) to reduce your loan balance on the home, in most cases. This allows us to then sell your home quickly to another buyer, versus allowing the bank to foreclose on your home which would ruin your credit and cause undue embarrassment. You may ask yourself "Why should I care, for I have no more equity left in my house ?"... Well, the fact is there are several important reasons why a short sale is far better for you compared to foreclosure... here's why: 

1.) SHORTER PERIOD OF DAMAGED CREDIT: A foreclosure will stay on your credit report for 7 years, but a bank short sale will typically only last about 2 to 3 years on your credit report.

2.) BETTER FICO SCORE: A foreclosure more negatively affects your FICO score, which is the all important credit rating number mortgage lenders use to determine if they will loan money to you or not. Many mortgage experts believe that a foreclosure will drop your FICO score by 100 to 200 points more than a short sale does. If you want to borrow money in the next 5 to 7 years for a car, boat or another home, then the short sale will make a big improvement.

3.) MUCH SHORTER DELAY TO RENEWED LOAN WORTHINESS: Fannie Mae (FNMA) recently changed their underwriting policy. This new policy now requires a past homeowner to wait 5 years after a foreclosure sale before FNMA will underwrite a new loan.  But, if the homeowner conducted a short sale, then the wait time for a new loan with FNMA is just 2 years! 

4.) PROBABLE RELIEF FROM HELOC 2ND MORTGAGE: If you have a 2nd HELOC mortgage, and the 1st mortgage bank were to foreclose, the 2nd HELOC loan is not deleted from your debts as a "purchase money" 2nd would be. In these situations, the 2nd HELOC loan becomes unsecured debt, and the HELOC mortgage bank may take other legal means to collect their debt. During a short sale, we are often able to negotiate with the 1st Lender and the 2nd HELOC lender, to highly reduce or eliminate the HELOC loan debt and thereby avoid legal debt liabilities.