Aguilar, Loya, Moreno & Associates

  • Aguilar, Loya, Moreno & Associates

  • The ALMA Real Estate Group, REALTOR®

  • Delivering Dreams One Home at a Time!

  • Contact Info - Tel: (626) 966-3688 / Fax: (626) 967-2318 / Dir: (626) 255-2783 / email me

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Aguilar, Loya, Moreno & Associates
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Homeowners Have Options
 
   

     Short Sales                  Loan Modification                     Foreclosure

 
 
What is a Short Sale?          What is a Loan Modification?         What is a Foreclosure? 
A short sale is when a        A loan modification is when         A foreclosure is when your
lender takes less than         your current lender changes         lender takes back the
what the home read more  the terms of your read more         property because read more
 

Who is involved in              How long does it take?                 How long does a
a Short Sale?                     A Loan Modification                      Foreclosure take?
A Realtor, your lender,       usually takes anywhere                 A Foreclosure from notice
a negotiator on your          eight to twelve weeks to               of default to the property  
behalf, and read more       complete. There are  read more     being sold at read more
 

Will my bank cooperate?       How low will my payment be?     How will a Foreclosure
The majority of banks          Expect your new monthly           affect my credit?
will cooperate with a            payment to drop 25-45%           Your credit score will
short sale except read more  but read more                           plummet to a rock read more
 
 
What will it cost me?          The new Stimulus Plans                Is there another option
A Short Sale costs the         should help me, right?                 to Foreclosure?
homeowner NOTHING.       Not Exactly. Chances are              Yes, there are great alter-
The lender pays read more  that you will not read more          natives to avoid read more


Will I still be on the             Why should I work                      What happens if I walk 
hook for the difference?       with an attorney?                        away from the property?
The lender writes the          You need someone that                A number of negative
difference on the loan         will look out in your best               facts will happen to you
as a loss. read more           interest and protect read more       including a read more
 
 
What happens to                I heard not to pay fees upfront,
my credit?                         is this true?
A Short Sale will have a      The fact is that a law firm will
much smaller affect on        be paid either upfront or in
your credit compared          with agreed payments. read more

 
 
 
                                                    
 
Need More Information            Need More Information               Need More Information 
     on Short Sales                      Loan Modification                      Avoiding Foreclosure

 

 

 

Aguilar, Loya, Moreno & Associates
  • Coldwell Banker Town and Country
  • 345 E. Rowland St.
  • Covina, CA 91723
  • Tel:  (626) 966-3688
  • Fax: (626) 967-2318
  • Dir:  (626) 255-2783
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