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Short Sale in Florida
[August 20, 2010]   by Foreclosure Help
Filed under: Short Sale in Florida

Short Sale in Florida

If you are facing foreclosure in Florida and need to sell we can help. It does not matter if you are upside down and have no equity we can help stop foreclosure. We are short sale specialist and all of our specialist are licensed Realtors and will work for you. If you want an experienced short sale specialist that can help you sell your home in Florida we can help. Below are homeowners in all different situations that we were able to help sell their homes and free them of the burden of owning a home that is value is far less than they owe or just can not afford. Contact us for a FREE short sale consultation in Florida.

City: Sarasota
State: Florida
Zip Code: Short Sale in Sarasota
County: Sarasota
I lost my job last year, got behind on mortgage of 1450.00 per month.  I have tried to work with mortgage co.  will not talk to me.  they want me to short sell.  I did get a new job, however I am making much less than I once did. My husband is also making less. I am still making less, however I am working. Wells Fargo Short Sale. I really need a short sale in Florida

City: Bonita Springs
State: Florida
Short Sale in Bonita Springs
I helped my mom buy this property. because of her bad credit she talked me into putting it in my name big mistake she decided to stop making the payments, my daughter was also living in the house paying 600. a month after about 8 months my mother decided to throw her out because she felt that wasen’t enough money. I cant afford to live and pay that mortgage to I payed it for a few months but could not afford to pay it any longer if I could sell it that would really help me. I need to do a short sale in Florida

City: Crestview
State: Florida
Short Sale in Crestview
County: Okaloosa
Due to a new job, we moved to Alabama.  We were advised to rent the property at the time because the Air Force was to move some 15000 new troops into the area and the realtors felt that the housing market in our area would recover within a year.  This was at the beginning of the national market crash, and no one knew of the eventual scope.  So, we rented the home for year, then put it on the market.  After 7 months, we received a full price offer (still at a loss for us, but do-able).  The deal fell through when the appraisal came in at 22,000 less than the agreed upon price.  Now, a year later, we #1 are running out of money (the rent only covered about 2/3 of the mortgage), and #2 just received notice that our renters are moving out, leaving us with the entire mortgage payment.  We have missed no payments to date, but it is inevitable in the near future.  Also, the rental rates in the area have fallen, so even if we were to rent the home soon, it would be impossible to make the mortgage payment as our savings are nearly depleted.  What options might we have?  I keep hitting dead ends when I try to talk to my lender because #1 it is no longer our primary residence, and #2 we have not missed any payments.  We owe about 175K on the home and the recent sales look to be in the 150k range at the most for a comparable home.  We do own a home now in Alabama as well with an 80/20 mortgage.  Maybe that is the home we need to look at doing something with the mortgage? We inevitably will fall behind within the next 2-3 months at most.  The market is continuing to decline because the Air Force (see above) has delayed indeterminately the transfer of the troops to the area.  Now, in preparation for these troops that were supposed to come, many new homes have been built and are on the market as well.  Our original lender was Countrywide, now Bank of America. I need short sale help with Bank of America

 

Loan Modification Help
[July 8, 2010]   by Foreclosure Help
Filed under: loan modification help

There hve been almost a million homeowners that have been approved for a loan modification, this has assisted in saving homeonwers from embarrassment of dealing with the entire foreclosure process. We have done our part in assisting homeowners stop foreclosure with a loan modification. Unfortunately, many homeowners going it alone have been pushed aside because of not understanding the process, incomplete paperwork or just simple filing errors. These lenders are losing paperwork or disgarding if the file is not complete. We have provided some basic tip for sending in a package if you go it alone and not use our company for loan modification help.

It seems unfair that your neighbor was approved but you seem to fall through the cracks with promises of loan modification assistant from the government or the lenders themselves. We have included some tips that will increase your chances of being approved:

A. Contact your lender to get specifics on whether or not they need information on specific paperwork and the fax number on where to send. Find out when to follow up once you have faxed the paperwork.

B. Obviously, think about getting assistance from a company that specializes in Loan Modifications and understand the process. You want to do everything inyour power to be sure you loan modification application is correct and exactly what your lender is looking for in the application process.

C. Go through your loan modification application a second time to be sure you did not critical information out. Be sure you have the most current information, bank statements, paycheck stubs (proof of income) or proof of unemployment. 2 years tax returns, Financial Worksheet, Hardship Letter… You want to be sure you have everything because you do not need the bank to have an excuse to deny your loan modification request.

D. Even if you go it alone have a professional review your application, they know exacltly what your lender is looking for and you need to make sure you submit enough information but no to much. Contact a Loan Modification Professional.

If you follow the loan modification tips above it will increase your chance of getting a favortable outcome. Loan modifications process is not rocket science but you do need to know the pitfalls — the process is not simple so to improve the likelyhood of being approved contact experienced loan mod specialists.

Our Attorney Staff is ready to give loan modification help.
The modification process can be stressful and overwhelming. For essential facts and detailed tips on how to get your mortgage loan mod approved, CLICK LINK LINK ON THE LEFT. The consultation is absolutely FREE.

below are some homeowners we have helped:

City: troy
State: sc
Foreclosure help with Wells Fargo
County: Mccormick
I have been trying to get a loan modification since MAR when I was served foreclosure papers and I keep getting the run around even though my packet is complete according to them. They wanted my ex-husband to do a quit claim deed which he did even though he was only on the mortgage as borrower but was never on the land deed at all. I have done numerous packets. They took my insurance which I was paying and started paying it and also took over my taxes. I am told different things each time I talk to loss mitigation. My situation improved since I went into foreclosure but I keep chasing the amount I owe and never having enough to pay all past due payments and costs. GMAC is servicer and Wells Fargo is investor How to get my house out of foreclosure I need a loan modification with Wells Fargo

City: Orlando
State: Florida
Loan Modification Help in Orlando
County: Orange
In July, I contacted Wells Fargo about refinancing.  The cost was so high and less than a one point reduction.  I was contacted by a loan modification and presented with an option that seemed to make sense.  I paid them $1900 to represent me and followed their directions exactly.  I am now in foreclosure and the communication has been poor and they are asking for more money.  There are additional factors that I can discuss in detail.  I desperately want to keep my home and can make payments.  I feel deceived and tricked and thought I went through the proper channels.  I had never had one late house payment in 20 years as a homeowner until I followed the directions of my loan modification company.  Can You Help Me!  In addition, I have not incurred any new debt over this period of time and have saved money that I am holding until I figure out my best option. Wells Fargo Loan Modification.

City: Riverside
State: California
Foreclosure Help in Riverside
County: Riverside
Became severly disabled, unable to remain in the classroom. I have had family trying to obtain mortgage modification re at least 60% drop in local home values and my 45% drop in income. Encouragement by company   to continue to improve property through equity loans as house values went up, led to very high 1st mortgage. Now both income and values have bottomed out. Situation in stabalizing, however, situation may change again after 10-22. I may be (a) able to return to the classroom or (b) need to go on permenant disability/early retirement. I won’t know until Fe.b. 22. Current interest due of $1,078.59 could be paid in February, however the arears payments would not be possible. We were offered an arears forgiveness and 10% off 1st and 2nd in late summer . I wish to discuss this idea now that I am feeling well enough to conduct my own financial problems. I need a Wells Fargo loan modification

 

Short Sale Agent
[July 7, 2010]   by Foreclosure Help
Filed under: Short Sale Agent, short sale help

If  you are facing foreclosure and you have tried to save your home with the HAMP Program of Loan Modification and decided the best option is a short sale, We Can Help! We are a group of short sale agents that work for you nationwide. We will get your house listed for sale and work you through a short sale. We are the authority when it comes finding a short sale realtor in your area.  Below are a few requests we have received from homeowners that we were able to help with a short sale.

City: Orlando
State: Florida
Orlando Short Sale Agent
County: Orange
I want to move in with my fiance and sell my own house. The mortgage is up-side-down and I can’t sell my house without still owning a lot afterward. I’m not behind because I just got a loan modification
 

We were able to assist this homeowner to short sale his property using our short sale realtor network

 
City: Miami
State: Florida
Short Sale Help
County: Miami-Dade
My mortgage is $1875/month, I have a pending divorce, I really need a  smaller home in order to have the ability to manage all bills and monthly payments. Right now this has become quite difficult on one salary. My reason for default is Divorce. Can you offer a short sale and stop Chase foreclosure.
 

 

 

Short Sale Help in Orlando
[June 30, 2010]   by Foreclosure Help
Filed under: Short Sale Help in Orlando

Short Sale Help in Orlando

If you are facing foreclosure in Orlando contact us today, 407-442-6710. We are here to help. We offer short sale help in Orlando and all over Florida. Below are homeowners that have contacted us for foreclosure assistance in Orlando.

City: Orlando
State: Florida
Foreclosure Assistance in Orlando
County: Orange

I attempted to do a loan modification with Wachovia and I have been denied 2 times.  I don’t want to lose my home.  I have a stable job, but I am going to be divorced here soon and my total family income will be reduced but I have good an income.  No my situation has not changed.  Wachovia mortgage bought my loan from World savings. I need Florida foreclosure help. I have decided to seek short sale help in Orlando

City: Windermere
State: Florida
Orlando Foreclosure
County: Orange

Lost executive position. Ran out of money in November, have shared custody of 2 minor children, behind in child support, behind in credit card debt (50,000) Credit score was 780 in Oct. 09 Now is 577. Need help. Now have income 20% of previous.  I really need Bank of America foreclosure help I need someone to help with my short sale.

City: Orlando
State: Florida
stop foreclosure in Orlando
County: orange

been trying to work with them before President\’s program–then they pre-approved me for that program –made my 3 trial good faith payments JUNE JULY AUGUST and then they have dragged their feet finishing my mortgage now 2 months after closing deadline they have set date to TAKE my house Saxon Mortgage,  saxon mortgage problems

 

Loan Modification with Wells Fargo
[June 28, 2010]   by Foreclosure Help
Filed under: loan modification help

We did a loan modification with Wells Fargo when we first fell behind. It was an 80/20 loan and they tacked on about 30,000 to the second mortgage and cut the payment period to 15 years. The interest was reduced to around 5.4%. We fell two payments behind again and they are threatening to stop accepting our payments unless we get caught up. It’s an upside down loan. We have another mortgage through HFC for about 20,000. We want to pay that off in time, if possible. We were working through Wells Fargo intermediary called American Servicing Company (ASC) but it is a nightmare. They told us we were qualified under Obama mortgage relief plan and to expect the paperwork any day. When we didn’t receive the paperwork we called and didn’t qualify, etc. We must have faxed in all the paper work 12 times and were told different stories every time.  We want to get from under this mess unless we can cut the overall payment in half. Linda’s ex-husband started a lawsuit over his fabricated concerns over 2 ½ years ago. After his concerns were proven unfounded, he continued to try to fabricate issues that created a serious financial strain on us. Linda’s ex-husband has access to resources that we don’t. We had to maintain a lawyer during this 2½ year period to protect the children from her ex-husband. The lawsuit was resolved in May of this year in our favor. It created a very serious hardship because we had to choose between paying the mortgage or protecting the children. It was a balancing act of sorts. Again, this situation is resolved. We need help with a loan modification with Wells Fargo.

Wells Fargo Loan Modification

City: Lake Forest
State: California
Foreclosure Help in Lake Forest
County: Orange

My husband’s salary went down due to furloughs last year and into this year. They will continue at least until the end of May. I did work and contribute significantly toward our income until May of 2008. I recently was able to procure a very part time work-at-home position to help pay our mortgages. Currently we have a small cash reserve in case we are unable to pay our mortgages and HOA payments for 2 months. Our lender for our 1st mortgage, EMC, said they could not give us a loan modification at this time because we have kept this emergency cash reserve. Our 2nd through Wells Fargo Bank, N.A. was reportedly unable to be modified because we needed to \”make more or have less debt\” to be able to pay a reduced amount. They claimed we did not make enough to be able to pay a lower amount, and therefore we have to continue to pay the HIGHER amount (which makes no sense). We feel that if we receive help, perhaps we will be able to modify our existing loans so that we are not forced to use all of our emergency reserves and eventually lose our home. To date, with assistance from family, we have not yet missed any mortgage payments, but they cannot (as of June 2010) continue to assist us. As noted above, our income went down about 30% when I stopped working in May of 2008 to raise our two young children. Our first mortgage is through EMC and our second is through Wells Fargo Bank. As also noted above, furloughs and lack of significant raises or promotions within my husband’s job has also negatively affected our income. My loan went from EMC to Wells Fargo I need a loan modification

Loan Modification with Wells Fargo

City: Tampa
State: Florida
Loan Modification in Tampa
County: Hillsborough

I am trying to help my brother James who is the owner of this property.  He has authorized me to transact business for him.  The authorization has been faxed to Loss Mitigation for review; but no one from that department has contacted him or me.  James is disabled.  He has not worked for several months.  James is asking for either a loan modification or a reverse mortgage.  He is unable to return to work.  His mortgage loan is through Wells Fargo. Please help me help him modify his loan with Wells Fargo

Loan Modification in California

City: San Ramon
State: California
Loan Modification in California
County: contra costa

We have always been current on our mortgage and have never been late on our mortgage.  I was laid off last year after 18 years in advertising.  Due to the economic downturn, the agency laid off half the staff and then sold the agency.  There was promise of another job with a different agency that was supposed come into affect this past first quarter of 2010.  Well, I was not hired…I believe due to my age (50 now), and experience which calls for higher salary.  It’s cheaper to hire the young.  The only way that we have made it this past year is because I took off of my retirement plan to pay off other bills, and further adhere to a strict budget.  Now with unemployment running out, my fear is that we will for the first time find ourselves in a place where we will have difficulty paying our mortgage.  Thank God my husband still works and receives retirement from the Army.  I am also halfway through a Medical Billing and Coding course that will end about the same time that unemployment does, but I will still need to sit for the certification exam which will not be for another month (after unemployment ends) and I will still need to find a job after that.  I was not a part of no worker left behind as it took too long to even get a meeting date, therefore my mother paid for my Medical Billing and Coding course.  I wouldn’t be able to sell my home for even what I still owe on it.  We desperately need your help to stay in our home.  Yes, all of which was stated in the history.  I was laid off a year ago April and running out of unemployment.  Wells Fargo is my mortgage company, but do not want to modify with them.  I heard on Suzi Orman that her driver received a loan modification from another company, was sold off to Wells Fargo who refused to adhere to the modification.  I would prefer to get my help from GMAC. I need a loan modification with GMAC

 

Stop Foreclosure in Las Vegas
[June 16, 2010]   by Foreclosure Help
Filed under: Stop Foreclosure in Las Vegas

If you are facing foreclosure in Las Vegas we are here and have helped many stop foreclosure in Las Vegas. No matter the situation we can help. If you have been promised results and nothing has happened contact us today and we will get to work for you right away.
Below are some others in Las Vegas that we have helped.

City: Las Vegas
State: Nevada
Foreclosure help in Las Vegas
County: Clark
We are unable to make a payment on time and the late charges keep accumulating. We have a loan modification in May 2009 but still unable to keep payment . Mortgage payment of 1821.00 plus tax is still very high. I really want to lower my payments at the affordable with 2% at least or 1000 monthly mortgage. My job hardly making 80 hrs with 3 kids and highly cost of living it’s very difficult to survive. My company has been sold for three times and cutting hours is very unpredictable in daily basis. I don’t mind to pay my house mortgage for 30 years as long as I’m stay in my home dreams. Please I’m begging for help!!! Originally when I took out the loan I was working 2 jobs but since then job workforce has been changed. I only have one job now and I want to keep my home for my kids for them having their own home is give them confident that they are in safe environment and proud of themselves. Help me stop foreclosure, please.

City: Las Vegas
State: Nevada
Help Modify My Loan
County: Clark

My wife and I made an offer on the house in 2007, just as the market was starting to turn south. We did so because the house had been on the market for a while and needed some fixing up. We were going to use the instant equity we had from buying it below market value at the time to repair what needed fixing and make it our own. Needless to say we no longer have any equity and in fact own a fixer upper at 350K that is worth less than 250K. The roof is a fire hazard and leaks and needs to be replaced. None of the windows function properly and do nothing to keep out the cold or the heat, consequently our power bills are through the roof. The plumbing is faulty. And on a lesser note, the landscaping is an eyesore and is a cause of a lot of dirt that ends up in the house.  My wife and I have good jobs but when the recession hit her yearly bonus was canceled. This cost us about 5,000 dollars. My work stopped giving the yearly cost of living raises and opportunities for overtime were canceled. I had to take out a loan from my 401k to get this house and the amount that is withheld from my check to pay for this puts us further in a bind. Besides all of this there is the money that was lost as a result of failing investments and the poor economy. We are current on our mortgage in an effort to maintain reasonable credit. But it would be much better for our health and our future if we walked away from this house and rented something in better condition. I really need a loan modification with Chase.

 

Foreclosure Help in Avalon Park
[June 8, 2010]   by Foreclosure Help
Filed under: Foreclosure Help in Avalon Park

We offer Foreclosure Help in Avalon Park

Below are contact from the area.

City: Avalon Park
State: Florida
County: Orange

Bought home as a 2nd home to keep ex-brother in law from foreclosure in 2006. Ex-wife talked me into it and also talked me into keeping the property when divorced. As soon as divorce was final, no payments were from brother in law. He moved out two weeks ago and left the home in shambles including the inground pool. Bank of America told me if I could get it leased, there would be a chance to save the property. I got it leased for 900.00/month and they are fixing up the property, now Bank of America says they have no programs for Leased Property. I have been talking to them for over a year and they gave me hope to keep the property, then said nothing they can do.

Ex brother in law quit paying the rent. He was paying 1500.00/month. He bought another home cheaper and a few streets over. My ex and I purchased the home for $263,000 and it is worth about $84,000 now!!! The people living it it are fixing it up beautiful and I would hate to tell them that they have to move. There has been no Sale Date set and I have been in contact with the bank weekly.

 

Stop Foreclosure in Tucson
[June 7, 2010]   by Foreclosure Help
Filed under: Stop Foreclosure in Tucson

Stop Foreclosure in Tucson

We have helped many homeowners in Tucson stop foreclosure and we want to help you also. We are experts at modifying loans or getting you a short sale to stop your foreclosure. Below are examples of homeowners we have helped.

City: Tucson
State: Arizona
Stop Foreclosure in Tucson
County: Pima

I am a realtor, so needless to say my income was great, and now not great. I was in the modification with Litton Loan Services and then after 6 months of making the modified payment they denied me. I tried then with NACA, they were helping me and suddenly just stopped. I have been trying to work with Litton now and am getting no response. Please help me with modify my loan with Litton Loan Services, I have been denied a loan modification with Litton

City: Tucson
State: AZ
Foreclosure Help in Tucson
County: Pima
Due to my company having budge issues, overtime has been cut and we are being forced to take 40 hours of furlough.  We are not yet to the point of Foreclosure but not sure how much longer I will be able to pay the mortgage, I tried to refinance but the house is no longer being appraised for what we owe on it.  We are having to use credit cards to pay for groceries and other bills.  I am in the process of going to HUD counselor to see if they can help us but I would like to work with my lender which is OCWEN.  My husband and I are also considering doing credit counselor and lowering our credit card debt. We need help with a Ocwen Loan Modification

 

Foreclosure Help in Memphis
[June 3, 2010]   by Foreclosure Help
Filed under: Foreclosure help in Memphis

We have helped many homeowners stop foreclosure in Memphis and we want to help you also. Below is a contact we were able to offer foreclosure help in Memphis and stop foreclosure. We were able to give them a loan modification with Ocwen.

We have had a  home modification Since last year, several additional obligations have occurred. My husband had a semi stroke – weakness of muscles on right side of body and right foot paralysis loss of muscles function and sensation. Both our son are diagnosed with a medical condition that required several medical treatments. We are experience financial problems. I am requesting assistance to save our home through any appropriate replacement plan.

We are experience financial problems. A loss of income from my Husband. I am working and my income has been the only income since last year. My Husband has applied for social security disability and starting June 23, he will receive 1,228.00 per month and our son’s will received 307.00 each . Please help stop foreclosure

 

Help With a Loan Modification
[June 2, 2010]   by Foreclosure Help
Filed under: Help with a Loan Modification

The very thought of being denied for a loan modification is so overwhelming that you may feel like it you against the world. You may even teel yourself that it is not worth it and give up. You really need help with a loan modification and we are here for you.  Many say it is a slippery slope and once it starts you can not stop foreclosure. It is possible to avoid foreclosure if you get things together but you can not wait around for things to happen you need to consult with an attorney.

The first thing you need to understand is that the banks do not want your mortgage to fail.  It is estimated that over $35,000 is the cost to every city that loses a home to foreclosure and $50,000 is the cost to the servicer. Those numbers are overwhelming and you better believe we can help you and the mortgage company create a win-win situation and keep you in your home and stop foreclosure;

Don’t waste any more time worrying about needing help with a loan modification, contact the experts today by phone at 877-YOU-KEEP or 877-968-5337.

 
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