Thursday, May 31, 2012

Nevada Foreclosure fears foster true grief


Nevada foreclosure fears foster true grief
Reports of foreclosures by the millions have been in the news so much over the past few years that to some, it might seem like the new normal. 
But as a real estate professional who is in the trenches with financially stressed homeowners every day, it never for a second feels to me like business-as-usual.
The prospect of losing one’s home is right up there among the major sources of grief, and often, it goes hand in hand with other tragic setbacks such as the loss of a job, a divorce, death of a loved one, mounting medical bills or skyrocketing mortgage payments.
Unfortunately, the first stage of grief is denial, and that’s even more the case when the threat of foreclosure is looming. No one wants to talk about or admit financial troubles—even when millions of others have found themselves in a similar spot.  It’s completely understandable, but for homeowners who are behind on mortgage payments, decisive action is often the most critical step toward ensuring the best possible solution.
As a real estate professional who has sought out the Certified Distressed Property Expert (CDPE) designation, I help homeowners to deal with every aspect of the grief and uncertainty that accompanies a mortgage which is no longer manageable. In the process, I help them to get on a path of financial solvency.
If you or someone you care about would like to change the course of a life that’s facing foreclosure, I get it and I can help. 

Contact me today!





Tuesday, May 29, 2012

What Have You Got To Lose?

Ok so you have done everything right.  Worked hard and saved and put it all into the American Dream here in the Las Vegas Valley.  Then the market crashed and you are so far underwater that you can't see the sky or land at all.  You have heard about short sales but you think that won't work for you as you may have a retirement account / 401k etc.  You don't think that your hardship will be acceptable to get it approved so you just get in deeper and deeper and now you feel the only way out is to just walk away after all what have you got to lose now? A LOT actually, the recovery from a short sale is a much easier road to travel from day 1.  Our team is experienced with getting short sales approved and closed successfully call me today for your free and no obligation confidential consultation and learn what your real options are today.    

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So You Are Ready To Buy A Home?

Ok so you have done everything right and got your credit score where it needs to be, maintained your good employment history and even saved a few bucks to put down......  Now your are looking for the perfect home.  You want to take your time look at the homes casually and take your time making that HUGE decision...

Sorry but at this time and in this market taking your time or even thinking it over will not get you a home, it may even cost you the home today. Here are a few factors and terms that you need to be aware of today:
  • Supply and Demand:  The current housing demand far exceeds the supply
  •  Multiple offers and multiple offer status:  Your offer will not be the only one or the first one so make it count and get it in now.
  • Highest and Best:  You may only have this one shot so make it count in your first offer there is no room for a traditional "low ball" offer in this market at all. 
  • If you find a new listing on the market today, move on it TODAY, it may be gone tomorrow.

Click here to view current available homes



Tuesday, May 22, 2012

Simple Yet Very Important Reminders When You Are Short Selling Your Home

Simple Yet Very Important Reminders When You Are Short Selling Your Home
Please keep these simple and yet VERY IMPORTANT and even crucial reminders in mind during the whole term of your short sale listing:
 1. Maintain all utilities and keep service for them on at all times
 2. It is crucial that you maintain and keep current your HOA dues at all times.
 3. It is very important that you maintain and keep current your home owners insurance at all times, remember        you are the legal and responsible property owner should anything happen.
 4. Keep current with all of your financial documents until close of escrow.
 5. Maintain good contact with your listing agent.

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Monday, May 21, 2012

Did You Realize You May Qualify For A Short Sale And Then Buy A New Home Right Away Too?

In some cases if the hardship justifies the short sale necessity and the replacement home, you could qualify for the short sale to be approved and at the same time be approved to purchase another home. There are guidelines and rules that we must meet but YOU DO HAVE OPTIONS.


Contact me today for your confidential appointment to go over your situation and options.

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Sunday, May 20, 2012

Local Agent Offers Information Resource on Foreclosure Avoidance




Local Agent Offers Information Resource on Foreclosure Avoidance

For those facing foreclosure in Las Vegas, Nevada and surrounding areas, this online resource offers answers on what options are available and the potential effects upon credit scores.

Las Vegas, Nevada – Local CDPE-designated agent, Robin Fraser of Keller Williams Realty, is now providing information on foreclosure avoidance options, including the considerations homeowners should have regarding their credit scores.

These educational materials are available at RFTeamHomes and explain the full range of foreclosure avoidance options and some of their effects on credit scores.

“It’s surprising how many people are unaware of all the negative affects of foreclosure,” Fraser said. “The website I created offers a way for distressed homeowners in my community to learn about their situation, understand what options are available, and become empowered with the necessary knowledge to pursue the best solution.”

The latest numbers on mortgage delinquency show that approximately one in every seven mortgages is in some stage of delinquency. Missed payments have a large impact on credit scores, and delinquent homeowners should pursue options to foreclosure in hopes of mitigating any further damage.

“Many of these distressed homeowners bought their homes in an entirely different economy,” Fraser said. “With so many facing unemployment or underemployment, there is a huge need to re-evaluate financial situations to meet new income conditions. For many, this means getting out from under an unaffordable mortgage in a legal, dignified way.”

The CDPE designation Fraser has acquired provides real estate professionals with specific understanding of the complex issues confronting the distressed homeowners. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing financial hardship in today’s market.



IMPORTANT GOVERNMENT DISCLOSURE: You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender (or servicer). If you reject the offer, you will not have to pay us for our services. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

Are You Missing or About To Be Missing Mortgage Payments?


Are You Missing or About To Be Missing Mortgage Payments?
Not late yet, but about to be?
Homeowners that are not late but foresee missing payments should communicate this to their lenders as soon as possible. In the past, many banks wouldn’t work with homeowners unless they were one or more payments behind. In light of the mortgage crisis, most lenders who would rather take a proactive stance and decrease their loan losses. They are more willing than ever to work with homeowners to avoid being late.
If you are visiting my website, you or someone you care about may miss mortgage payments in the near future. I can help navigate the process and put you back on a path to financial stability. Contact me today and alleviate the stress that comes with unaffordable mortgage payments.
It’s Not Too Late
Wondering what a homeowner like you can expect when payments are missed? The most important thing to know is that no matter what stage of default a homeowner is in, there is almost always a way to avoid foreclosure. That being said, the quicker a homeowner does something about the situation, the less challenging it will be to resolve.
First, here’s what a distressed homeowner should expect to happen when payments are missed:
30 Days Late: The lender will attempt phone contact or send a notice in the mail.
60 Days Late: The lender will attempt to make contact by phone and follow up with another letter in the mail.
90 Days Late: The lender will send a letter demanding all past due amounts within 30 days and start the foreclosure process.
120 Days or More Late: The lender’s attorneys will take over and the homeowner will be responsible for their fees in addition to missed mortgage payments and the loan amount due.






Wednesday, May 16, 2012

Break Free From Unaffordable Mortgage Payments!

Break Free From Unaffordable Mortgage Payments!



A recent study in Nevada (a state that holds the nation’s highest foreclosure rate), found that only 5% of distressed homeowners knew they had alternatives to foreclosure, and only 3% took advantage of them. It was also found the 1 in 4 homeowners chose to “strategically default,” or allow their homes to be foreclosed upon on purpose!


Clearly, too few distressed homeowners know their options and the fallout of foreclosure. If they did, they’d soon realize that there’s nothing ‘strategic’ about foreclosure, and that avoiding foreclosure is always the best plan to create financial stability.


Millions of Americans feel alone and trapped by mortgage payments they can no longer afford. In fact, 27% of Americans with mortgages now owe more than what their home is worth. However, more and more of them are finding education on the responsible alternatives to foreclosure is helping them move toward financial stability.

Education is key. The more distressed homeowners know about solutions, the more likely they are to overcome their financial challenges. I’ve seen this firsthand.

I can help with the education part—it’s up to you to contact me!

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Tuesday, May 15, 2012

Who Do You Know?

Who Do You Know that may need this FREE information and advice?  Please share with anyone you can think of.  Remember to RSVP asap so there is seating available for you at either location and date.

Call text or email your RSVP with the desired location today!
702-622-0601   click here to email

Click here for your Free Report
Click here to search MLS


FREE Home Protection Seminar

FREE information and advice so you understand all of your options?  Please share with anyone you can think of.  Remember to RSVP asap so there is seating available for you at either location and date.

Call text or email your RSVP with the desired location today!
702-622-0601   click here to email

Click here for your Free Report
Click here to search MLS


Monday, May 14, 2012

Is Your Mortgage out of Balance with your Budget?

Is Your Mortgage out of Balance with your Budget?

It can happen quickly.

An expensive car repair, an unexpected hospital visit, a missed week of work – just a few little things and the life you’ve worked so hard to build can feel like it’s tipping dangerously out of balance.

Once the scales turn against you, it can feel like it is impossible to ever tip them back in your favor again. When your financial problems reach the point where they threaten your home, it is difficult to manage the stress. Sometimes it is even difficult to force yourself to seek help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially-challenged homeowners with options to foreclosure, ensure that they steer clear of scams, and help navigate them through the solution that best meets their needs.

Choose to face the challenge with a professional on your side.

I can help you realign the balance in your financial life and tip the scales back in your favor. Call or email me and schedule your free, confidential consultation. We can work together to make sure you end up ahead.


Friday, May 11, 2012

Handling the Stress of an Unaffordable Mortgage Payment


Handling the Stress of an Unaffordable Mortgage Payment
Whenever I research the latest foreclosure and distressed property statistics, the sheer number of Americans facing the stress of losing their homes amazes me.  It is my goal to help as many homeowners I can either stay in their homes or relieve the burden of their mortgages. Knowing that there are so many that need my help is a driving force for me to continue doing what I do.
In fact, I just released another report that I’ve made available on my website today. It explains the CDPE designation and lists 10 options that homeowners can take advantage of to relieve the stress that comes with owing their mortgage lenders more money than they can afford to pay.
The report also draws a contrast between short sales and foreclosures. Unfortunately, there’s a growing trend of “strategic defaulters” who think it’s smart to let their home go into foreclosure. As any one who follows this blog knows, there is nothing strategic about foreclosure; it’s one of the most long-lasting, negative financial challenges you can go through.
I’m excited about acting as a resource for more homeowners who have questions about what they should do. As always, if you know homeowners who may need my help, have them contact me immediately! Together, we can put them back on the path to financial stability.



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Running Out Of Money Before You Run Out Of Month?

Are you like everyone else around you and bought your home or refinanced during the peak times of the real estate market, or life has just dealt you the hands that you just can't play with anymore?  Is it a struggle to keep your mortgage paid each month?  Are you continuously running out of money before you run out of month? Are you already behind and see no way of getting caught up?  Want to talk to the team with the Distressed Property Expert Team that will guide you through the process with as little stress as possible and Get it Done, then call me today.
Get your free report here
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Think You Need To Make A Change?

You were like everyone else around you and bought your home or refinanced during the peak times of our market and now all of the I will be ok if's haven't quite worked out like planned?  Or life has just dealt you the hands that you just can't play with anymore.  Is it a struggle to keep your mortgage paid each month?  Are you already behind and see no way of getting caught up?  Want to talk to the team with the Distressed Property Expert Team that will guide you through the process with as little stress as possible and Get it Done, then call me today.
Get your free report here
Contact me today