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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Loan Modifications
Are you having difficulty making your mortgage payment, upside down, and facing foreclosure?
You’ve come to the right place: Homewoner Have Options!
The number of foreclosures across the nation are on the rise. If you are having difficulty making your mortgage payment, upside down and facing foreclosure, we can help. It is important for you to understand your options and rights. Do not be fooled by the banks telling you to do this on your own without professional help. You must understand the banks only have THEIR best interest in mind and must look out for their investors. And BEWARE of so called “Loan Modification Shops” that are nothing more than someone trying to take your money for little or no work. Even if they are trying to do the right thing, chances are that they are operating illegally as many states have strict requirements. Banks are aware of this and most times are unwilling to work with these 3rd party shops.
OPTION 1: Apply for a loan modification with FREE Help!
The following are the some very good links for homeowners facing foreclosure!
www.HUD.gov
www.MakingHomeAffordable.gov
OPTION 2: Sell your home through a NO-Cost Short Sale!
Short Sale
www.HUD.gov
www.MakingHomeAffordable.gov
OPTION 2: Sell your home through a NO-Cost Short Sale!
Short Sale
With our short sale program, we are able to use our legal methods to negotiate a sale price of your home at or below market value even though you may owe substantially more. We work through a nationwide network of Real Estate Agents to insure your home sells fast. A short sale will stop the foreclosure and prevent the adverse credit implications associated with a foreclosure.
In some cases you may qualify to eliminate all or some of your tax consequences, please consult with your tax attorney or CPA. The sale is generally easier to do since the lender knows there is no longer any personal recourse against the homeowner.
In some cases you may qualify to eliminate all or some of your tax consequences, please consult with your tax attorney or CPA. The sale is generally easier to do since the lender knows there is no longer any personal recourse against the homeowner.
If you are behind on your monthly mortgage payments and are unable to sell your home at the current market value, a deed in lieu of foreclosure may be an option to prevent a foreclosure from tarnishing your credit. The process involves giving the property directly back to the lender, or "deeding it back in lieu of foreclosure." The lender benefits as they are able to mitigate the additional losses they would incur from having to proceed with a lengthy foreclosure. Often times the lender will offer this option at the onset of a foreclosure proceeding, however in our experiences lenders will seldom follow through and effectuate the transfer without Attorney intervention.
- 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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