Suncoast Partners at REMAX Tampa Bay

Pinellas Short Sales and Defeciency Judgements

Mon, 12 Dec 2011 10:06:56 GMT

The future of Pinellas Short Sales may have just gotten a bit brighter as the House of Representatives just introduced this bill that proposes a 1-year cap on deficiency judgements. We're not the only Tampa Bay Short Sale Specialists that believe the existing laws are too strict considering that underwater homeowners have been punished enough. Currently, in Florida, lenders have a 5-year period after a foreclosure or short sale during which time they can have their collectors pursue you for the 'forgiven' amount of debt.

One thing is certain, and that is that your possible deficiency judgement will ALWAYS be greater by ingorning your situation and allowing the home to go to foreclosure. The lender nets more with a short sale and so it's a win for everybody. Depending upon your situation, attempting a mortgage modificaiton (an uphill battle but certainly possible), a deed in lieu of foreclosure or a Chapter 7, 11 or 13 bankruptcy might make more sense.

As there are no 'one size fits all' solutions for all homeowners, it's always best to contact a Tampa Bay or Pinellas Short Sale Specialist for insight into your particular situation. They can also provide legal and accounting referrals to help guide you on the path that makes the most sense for your particular situation.

On the bright side, with top listing and short sale representation, it's very possible to avoid that deficiency judgement all together! We'll be keeping an eye out on the progress of this bill and be keeping you updated.

Call or text us at 727-366-0324 or contact Julia and Matt Fishel with questions.

Julia and Matt Fishel, CDPE, CIAS

Suncoast Partners at REMAX Palm Harbor

727-366-0324

Your Tampa Bay Short Sale Realtors,

Saving the World One Homeowner at a Time!

Tampa Short Sale Specialists on Why Making Your Tampa Short Sale Home Show Ready will Limit Your Liability

Tue, 28 Jun 2011 10:45:04 GMT

As Tampa Bay Short Sale Specialists and CDPE's assisting people to avoid foreclosure via a short sale, we often hear "I don't care about the condition of my house because I'm losing it anyway". This is a huge mistake! In order to reduce the amount of any possible deficiency judgement from your lender, and more importantly, to increase the liklihood that your short sale will be approved, it's very important to have the home present itself in the best light possible.

Want to know how to get more money for your distressed property? Make a good impression! There is a laundry list of items that might devalue it. Many Tampa Bay Area house-hunters are already stretching their budgets to buy, are scared about the econmic news and are very concerned about 'getting a good deal'. Becuase of this, making the house as move-in ready and attractive as possible is a MUST. This is especially true if your home is in an area with many short sales and foreclosures.

Understandably, you probably don't have the funds to repair any major items, though a little elbow grease and even a few dollars can go a long way towards ensuring a successful short sale with little or no deficiency.

Some are things you can fix and some you cannot.

What you can fix-- and should:

Clutter and overly personal décor. Your 100-strong Hummel collection means something to you but will turn off most buyers. So will lime green wall paint.
Small broken items. Who wants to cook in a kitchen where one of the cabinet hinges is broken or an electrical outlet doesn't work? If you don't know how to repair these items yourself, ask friends and family for help. Your short sale agent should be able to refer you to an affordable handyman or contractor, if needed.
Dirty or peeling paint. If the paint is peeling or the walls are scuffed up, potential buyers will wonder what other problems the house has. A little touch up paint goes a long way.
Mold and Mildew. Besides being a danger to human health, even the smallest amounts of mold can kill a home sale. Yes, even a bit of mold in a shower will deter buyers or make them run for the hills after an inspection. A bottle of Clorox does wonders!! (Obviously serious mold issues require remediation by an expert - your short sale Realtor should help you determine this if you're unsure).
Strong odors such as smoke or pet urine. There are products designed to eliminate smells and stains from floors and walls. If new flooring isn't in the budget, it's actually better to remove urine soaked carpet and have no carpet at all.
A small garage. No, you cannot make it bigger, but if you can make it look as clean and spare as possible – if people can envision a car inside of it – do it!

Here is what you cannot fix -- and what you can do to offset it:

No garage, unless you are living in a condo. If you have a carport, make sure it is sturdy, well-kept and nicely landscaped.
A strange floor plan, such as having to walk through a bedroom or bathroom to get to another well-used room. Get decorating advice on how to make the oddball room appear more multipurpose (for example, make a bedroom that adjoins another one look like it could also be a study by adding a desk and a futon).
An odd-numbered house. An even-numbered house will sell for about 10 percent more. It is psychology! Make the exterior extra attractive to offset.

Getting the most for Tampa Bay Short Sale is the name of the game, and it can be done with just a bit of work and little to no financial investment. For professional advice on selling your Tampa Bay short sale for top dollar, contact us today.

Julia and Matt Fishel, CDPE, CIAS

Suncoast Partners at RE/MAX ELITE Realty

(727)366-0324 Julia

(727)366-0325 Matt

Your Tampa Bay Short Sale Realtors, Saving the World One Homeowner at a Time!

Palm Harbor Short Sale Realtors on Top 8 Warning Signs to Spot Foreclosure Scams

Wed, 18 May 2011 08:05:31 GMT

As Palm Harbor Short Sale Realtors serving Pinellas County, we encounter people who have been lured unknowingly into mortgage foreclosure scams. With today's uncertain economy and the flood of media from too many sources, it's understandable. Many honest and hardworking people have found themselves saddled with mortgages they can no longer afford.

Owners of distressed properties can easily fall for a pitch promising mortgage reduction, mortgage modification and debt relief. But as the old adage says, “If it seems too good to be true, it usually is.”

Some of it is misinformation and some of it just plain untrue. Do some homework. Arm yourself with information. Watch out for real estate scams that guarantee they can stop a foreclosure.

Be on the lookout for these 8 top warning signs:

A plan that asks you to make payments that have no end-date.
Any scheme that involves making mortgage payments to anyone other than your lender.
It costs you money. Unless it's an attorney providing foreclosure defense for a fee - it's illegal.
A suggestion that you transfer your property's title to another person program that offers to buy your property and lease it back to you.
Phone calls from anyone saying they represent a government program.
Offers to complete paperwork for you.
Companies that pressure you to sign paperwork you do not understand.
A company that's not located in Tampa Bay.

Have you been contacted by a company and are unsure if the offer is legitimate? You may want to report them to various agencies who will make sure they stop their illegal activities and also contact one of the reputable Tampa Bay foreclosure defense attorneys that offer free legal consultations.

Palm Harbor Short Sale Realtors Serving Tampa Bay Contact Info:

You can follow us on

Twitter: twitter.com/PinellasPeach

Facebook: www.facebook.com/SuncoastPartners

YouTube: www.youtube.com/pinellaspeach

Julia and Matt Fishel Keller Williams Palm Harbor

727-366-0324 Julia

727-366-0325 Matt

Help@ShortSalesPinellas.com

Increase In Mortgage Applications…MORE Home Sales Expected

Thu, 21 Apr 2011 08:17:58 GMT

I always like to post upbeat and encouraging articles! Realestateinsidenews.com posted this article this week, and I just had to share!

"More signs of life for housing.

Following today’s surprisingly positive National Association of Realtors report on home sales we have more good news to share…an INCREASE in mortgage applications to purchase (vs refi).

Clearly, more folks applying for a home loan will result in more home sales. A jump in U.S. mortgage application volume last week was fueled by consumer worries about a scheduled increase in insurance premiums from the Federal Housing Administration, the Mortgage Bankers Association said today.

According to data from the MBA through April 15, mortgage applications for purchase rose 10 percent to their highest level since December on a week-over-week basis, while refinance applications rose by 2.7 percent from the week prior. Government purchase applications, in particular, saw the largest spike, rising 17.6 percent last week. Meanwhile, interest rates fell, with the 30-year mortgage averaging 4.83 percent, down from 4.98 percent one week earlier, and the 15-year mortgage down to 4.07 percent from 4.17 percent one week earlier."

You can find more up-to-date real estate info by visiting Pinellas Peach Blog, Facebook, Twitter, YouTube and LinkedIn!

Tips for Florida Short Sale Buyers

Fri, 18 Mar 2011 11:40:26 GMT

Hi! Julia and Matt Fishel here, Managing Agents of Suncoast Partners at Keller Williams Palm Harbor and Clearwater, Florida.

We’re going to share with you this month some tips for short sale buyers, as it’s no secret that the real estate market in Tampa Bay can be a challenge!

The term ‘short sale’ gives new meaning to the word ‘patience.’ There are numerous things that can slow down a short sale closing process, so just be prepared that the short sale process is daunting and sometimes seems to never come to an end.

As one example, a seller can have more than one loan on their home. These short sale properties are more difficult to obtain and may take considerably longer to complete. In the long run, it is best to look for homes that have only a first mortgage involved.

Since the short sales process can be long and drawn out, as a short sale buyer, it may be a good idea to have an alternative plan for your living arrangements, just in case the short sale takes longer than expected.

Sometimes a home is an “approved short sale.” As a short sale buyer, finding a home that was previously approved for a short sale can speed up the short sale process compared with starting the process on a blank slate.

In addition to our experise as Pinellas Realtors, we have Tampa Bay Foreclosure Prevention Attorneys and CPA's that will consult with you for FREE, too. Contact us Julia and Matt Fishel here or at 727-366-0324 for solutions.

Will Pinellas County Short Sales be Affected by the Robo-Signing Debacle?

Tue, 05 Oct 2010 22:13:57 GMT

What happens to short sales in Pinellas County as a result of the Robo-Signing debacle? Or just wondering what the fuss is about? If you have a Pinellas short sale you shouldn't be directly affected - though if your loan is with the three servicers mentioned below, it looks like you may have more time before the Pinellas County Sherrif shows up and orders you to leave. Though make no mistake about it, every month you stay in a home and not making payments, the harder the hit to your credit and the larger your possible future definciency will be.

You may have heard about the "Robo-Signing" debacle and are wondering what it means for those facing foreclosure in Tampa Bay. Thus far, GMAC Mortgage, JP Morgan Chase and most recently, Bank of America, have suspended foreclosures in 23 states where foreclosures are handled by the courts - and that includes Florida.

In a nutshell, many servicers were allegedly approving foreclosure affidavits without reviewing or signing the documents with a notary present, or allegedly had underlings approving files after only 30 second reviews - hence the term "robo-signing".

The office of the Comptroller of the Currency has told the seven largest mortgage servicers (including those above), Citigroup, HSBC Financial Corp, PNC Bank and US Bank (plus the 3 listed above) to review all of their case files. Thus far Wells Fargo stands as the Lone Ranger of the 'biggies' holding to its claim that they handled their files properly.

Trust us, don't make the mistake of interpreting this robo-signing mess as a signal to sit back and do nothing. We've seen time and time again that those that avoid the reality of what's happening get sadly burned in the end - and it's tragic!

If you've lost a job, taken a pay cut or are experiencing other hardships in this economy - trust us, we understand. Our best advice is to get an expert consultation as quickly as possible to assess all of your options and your unique situation.

In addition to our experise as Pinellas Realtors, we have Tampa Bay Foreclosure Prevention Attornies and CPA's that will consult with you for free, too. Contact us Julia and Matt Fishel here or at 727-366-0324 for solutions.

- by Julia Fishel, October 5, 2010

Strategic Defaults on Homes for Sale In Pinellas County

Sun, 27 Jun 2010 14:18:04 GMT

There's a fire storm of debate going on about Strategic Defaults. Given that 40% of the Homes for Sale in Pinellas County are in financial distress and there are 34,000 active foreclosure cases with the Pinellas County courthouse - this is a hot topic worthy of disucssion.

A Strategic Default in when a homeowner owes more on their mortgage than the house is worth, CAN afford to make the payments currently and for the foreseeable future, and strategically decides to walk away. See Christine Springer's u-tube video "3 Easy Steps to Plan For Strategic Default" here. Some say that homeowners purposefully defaulting is like putting a gun to the head of anyone that's paying their mortgage or just got a new one.

While I'm not a fan of t-ing people off, here goes .... Personally, I think we all know the difference between right and wrong and if you're sitting on a big fat pile of cash just pay your mortgage, quit whining about what you lost, and go earn some more money, will you?

That being said, if you aren't sitting on a pile of cash, are struggling to make your payments and don't know which way to turn, the best place to start is by talking to an experienced attorney and experienced and professional Pinellas Realtors that specialize in foreclosure prevention. There should be zero shame about being in this situation. It's complicated and you aren't alone.

Start talking to experts!

New Short Sale Guidelines on April 5, 2010 - Will They Really Bring About Change?

Sun, 07 Feb 2010 17:40:10 GMT

Pinellas Short sales are anything but normal these days, can take a long time, and anyone that has dealt with Countrywide or Bank of America knows that's the God's honest truth!

Effective April 5, 2010, in conjunction with the Making Home Affordable Program that went in to play last year, there will be new VOLUNTARY guidelines for lenders to follow that will purportedly speed up the process, make uniform processes, pay Realtors their full commissions, and guarantee that the lenders can't come after you, the homeowner, for deficiency judgements.

I'd like to believe this is all going to happen and Pinellas Short sales will get processed without a hitch, yet we've seen the results of the loan modification Making Home Affordable program and the results are dismal.

While we always remain optimistic and hopeful, at this juncture we see these hurdles with these new guidelines:

It's Voluntary! Oh - phaa-leeese. (for some lenders it won't be - yet we have no info as to which lenders those are)
The lender is going to set the price for the short sale. OK, this makes we want to spit my coffee accross the room as I laugh. If they don't want have the resources to process the short sale, they they just overprice them, and then the agents won't get offers, and they just fester. I hate to be dire in my thinking, yet this could, conceptually, shut down the short sale process for some homeowners.
Did I mention it's voluntary?!

Call us at 727-366-0324 with questions. It's a zoo out there, yet there are plenty of ways to skin a cat :)

Pinellas Short Sales: Bank Approval Rates are Increasing

Sun, 27 Dec 2009 15:13:54 GMT

Pinellas Short Sales aren't easy to get approved, yet so far we've obtained approval on every one we've attempted. Knock on wood! We aren't aware of any other Tampa Bay Realtors that can tout that record, yet I'm sure they are out there.

What's really encouraging is that banks are approving more short sale losses as foreclosures soar as John Gittelsohn and Margaret Colllins from Bloomberg News recently pointed out in this Short Sale article. 40,000 short sales were closed during the 1st half of 2009 which was a 6-fold increase over the 1st half of 2008.

The most amazing tidbit we gleaned from their study was that for every one short sale approved there were 25 foreclosures started or completed! Oh my!

Lenders net 10-15% more with a short sale. And there's no good reason a lender wouldn't approve yours - provided you can demonstrate a hardship - which is more often than not easy to do.

It's not necessary to be a statistic when there are so many options available. Perhaps a Tampa Short sale isn't even necessary for you - maybe you just need to quickly reduce your price as outlined here in Tarzan and Jane's Story in our Pinellas Real Estate Blog @ The Pinellas Peach.

The first step with any challenge is to talk with experienced professionals like us to determine what all of your options are.

Feel free to explore our site and call us now at (727)366-0324 to chat.

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why we’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, we can provide all of your possibilities and help you get moving toward a solution.

Freezes in Foreclosure

Think a Foreclosure Moratorium Will Save Your Home?

Think Again.

You may have heard news that politicians are requesting a federal moratorium on foreclosures and wonder what this means to you, especially if you are behind on mortgage payments. The reality is that a foreclosure freeze is not the answer to your problem. However, there are steps you can take to avoid foreclosure.

On the site below I've listed 5 steps to Avoid Foreclosure, which starts out with the proactive approach in avoiding foreclosure—taking action!

I have created this site to provide a source of empowerment and education. From short sales to loan modifications, I can provide information to provide a genuine sense of hope.

For a free report on the Five Steps to Avoid Foreclosure, fill out the form below and click "Send." Remember, a moratorium won't save your home—only you can! I'm here to help.

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call us today at 727-366-0324.

The more proactive we are, the better the chance of finding financial freedom and stability.

Avoiding Foreclosure in Tampa Bay - Compassion and Connections Matter

Avoiding Foreclosure in Tampa Bay - Compassion and Connections Matter

In Tampa Bay, avoiding foreclosure is a hot topic. If you or someone you care about is falling behind on their mortgage and owes more on their home than the market says its worth in this increasingly challenging real estate market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now. In addition, while that's the most devastating of all possible credit messes to overcome, people in mass numbers are also facing mounting credit card debt, long-term unemployment, medical bills, student loans, and that's just what they personally are dealing with. Then you add on to that perhaps their friends or relatives who are stressed out about their situations, and then add to that the fact that the U.S. government and economy are in huge disarray, with 100,000's of so-called-experts with countless opinions, and it's no wonder many of us feel like our heads are spinning!

However, the most critical and largest percentage of most anyone's credit portfolio is usually his or her mortgage(s). That's why avoiding foreclosure is key! And more possible than ever.

As our recent report points out, currently 10.9 million homeowners in the United States owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As professional short sale Realtors who have earned the Certified Distressed Property Expert (CDPE) designation, we are tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, we invite you to access our free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Tampa Bay Short Sale Realtors Providing Multiple Solutions

We were among the first Realtors in Tampa Bay to begin working short sales when the market turned. It's our core business. And we aren't sharing this with the intent of tooting our own horn - it's just that we feel like we owe it to you - and you owe it to yourself - to talk to us. It's become our life's mission. So here it is ...

We have 100% success rate with obtaining short sale approvals! Yes, really! And we're in the top 1% of agents in Pinellas County. How? Why?

It's simple. We care deeply about our clients. We love a challenge. We don't take no for an answer. We fight and fight and fight and (ok, you get the idea ...) for our clients and don't believe in giving up. Sometimes a short sale is NOT the answer - in which case we'll guide that person and provide the needed resources for their unique situation.

Access your free report (at the top left of this page) and/or contact us today below or at (727)366-0324. Get started exploring all of your options.

Wishing you all the best,

Matt and Julia Fishel, CDPE, CIAS at REMAX Palm Harbor Serving Tampa Bay

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. And Tampa Bay and Pinellas Short Sales are no excepction. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact us to begin your journey to a solid, stable tomorrow.

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why we've made this site available for anyone in Pinellas County or Tampa Bay struggling with mortgage payments. Foreclosure alternatives like short sales and sometimes even deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact us right away.

We're here to help!

Feel free to visit us at our real estate blog - www.The PinellasPeach.com - where you can get to know us a bit better!

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. We meet Tampa Bay people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get our free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact us right away.

We're here to help.

Don't Walk Away From Your Mortgage

Stop Don't Walk Away From Your Mortgage

At a Crossroads?

Walking away or "strategically defaulting" on your mortgage is not the answer. You will find that there is nothing strategic about foreclosure, especially when there are solutions to avoid it.

You should know that you have options, and that you are not alone. More than 25% of American homeowners now owe more than what their homes are worth, and millions more are having a hard time paying their mortgages.

We've developed a free, detailed report on foreclosure alternatives you can download below. Download it today and give yourself a green light for a solid financial future.

The sooner you take this step, the more time you'll have to act and move toward a more promising tomorrow.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, we’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Pinellas County Short Sales Warning: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As CDPE's, we are fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, we’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact us today.

We’re here to help.

Is your Mortgage out of Balance with Your Budget

Is your Mortgage out of Balance with Your Budget?

Today's homeowners have a lot to fear. Budgets are tight and it doesn't take much before "barely getting by" tips into avoiding collector's phone calls, sleepless nights and falling further behind.

Many homeowners don't think it's possible to tip the scales back in their favor so they simply give up.

You do not have to lose your home to foreclosure!

As real estate professionals who have earned the Certified Distressed Property Expert (CDPE) designation, we are uniquely qualified to help homeowners as they attempt to bring balance back to their budgets.

If you, or someone you care about feels like the scales are weighted against them and need help, contact us today for a confidential consultation!

Pinellas Short Sale Realtors on What Can I Do If I Am Feeling Trapped by My Mortgage?

Feeling trapped by your mortgage?

Pinellas Short Sale Realtors on Why Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your Tampa Bay home to foreclosure.

To find out more about the options you have to choose from, download the free report we've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call us today at 727-366-0324.

The more proactive we are, the better chance you'll have in finding financial freedom and stability. Even in a challenging economy, we'd like to remind you of our core belief that 'In Life and in Real Estate - Everything is Possible'.

Also feel free to visit these Pinellas Short Sale Realtors on our Pinellas Peach blog where you can get to know us better.

On the Edge of Losing Your Pinellas County Home?

On the Edge of Losing Your Pinellas Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is our duty as real estate professionals to reach out to distressed homeowners. As CDPE designated Pinellas Realtors and Real Estate Consultants, we have received extensive training to help homeowners avoid foreclosure.

We provide this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, we can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. We are only a phone call or email away.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.