Don't Become A Foreclosure Victim
In Its Tracks!
Hardworking people everywhere are having to make tough decisions that affect their financial future – not just today, but for years to come.
As of January 2015 it is estimated that about 17% of homeowners in Las Vegas, Nevada are upside down. Las Vegas home values are 34% off peak prices reached in March 2006, despite continued improvements. If you're one of the 46,000 Las Vegas homeowners with a mortgage that is resetting starting in 2015, and your monthly payments have become unmanageable and you're a Las Vegas homeowner struggling to keep current on your mortgage and you need to move, in many cases, FORECLOSURE is NEVER the ANSWER or necessarily the best choice.
The clock in the foreclosure process starts once you miss a loan payment. You receive important notices from the lender generally between 30 and 90 days after you miss a payment. First is a notice of default, or official notice you've broken your mortgage agreement. Next is a notice of acceleration, asking for full payment to avoid foreclosure. Finally comes the notice of foreclosure. Lenders and borrowers must follow foreclosure laws, and both parties have legal rights. Your stakes are high as a borrower, so it's important to know the rules and your options.
If you don’t know how to protect your rights and weigh all your options, call me right away at 702-677-8796! As a real estate professional and consumer advocate, it’s my job and my privilege to help homeowners understand ALL the information they need to make the best possible decisions for themselves and their families.
As a Las Vegas REALTOR® and Certified Short Sale Specialist who has earned the SFR and CHS certification, I know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and pre-foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk.
FHA Extenuating Circumstances Back To Work Program: Buy A House After 12 Months of Completion of Short Sale!
a Las Vegas Realtor® and Certified Short Sale Specialist, my greatest value is helping upside down distressed homeowners stop the foreclosure process and guide home owners and
home buyers safely through the short sale and purchase process. If you or someone you know is affected by today’s market changes and needs answers and help to avoid foreclosure, call 702-677-8796 today! las vegas certified short sale specialist, stop foreclosure, cooperative short sale, HAFA short sale
Contact 702-677-8796 Today! 100's of Families Facing Foreclosure Saved By Short Sale!!
Don’t Become A Foreclosure Victim!
Homeowners facing foreclosure are at risk of becoming victims of a foreclosure scam. Individuals involved in such scams convince vulnerable homeowners that they can save the homeowner from foreclosure. They tell the homeowner that they have direct contact with the servicer. They advise the homeowner that there are “federal laws” that require your lender to work with them. They assure the homeowner that they can help and will most always ask for a fee.
In reality, they are not there to help the homeowner: They only want your money or your home. They encourage the homeowner to stop working with their lender, servicer and tell them that they will take care of everything.
Some common scams are:
• Bait and Switch – Homeowners believe they are signing documents for a new loan to make the mortgage current, but sign away their home and are left holding the mortgage on a home they no longer own.
• Phoney Counseling or Phantom Help – The person conducting the scam tells the borrower that he can negotiate a deal with the servicer to save the house if the borrower pays a fee first. Once the fee is paid, the person takes off with the money and provides no assistance.
• Bankruptcy Foreclosure - The rescuer promises to negotiate with the lender on the borrower’s behalf for a fee. The rescuer takes the fee and files a bankruptcy case in the borrower’s name and without the borrower’s knowledge. (A Bankruptcy foreclosure will prevent you from buying a home in the future. You will not be able to purchase a home again for several years and without written consent by the court when you can show the bankruptcy was due to extenuating circumstances and you will have to verify and document you are able to better manage your finances. Bankruptcy is recorded on your credit for 10 years).
New scams are always developing. If the assistance looks too good or too easy or if you are asked to pay a fee for foreclosure prevention services make sure, verify that the service and company contacting you is legitimate.
Oh, by the way, if you have any friends or family who would benefit from our service, I would love to talk to them. Just give me a call with their name and number and I would be happy to follow up and take excellent care of them.
Las Vegas Realtor, Linda Strasberg
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Las Vegas Real Estate, How To Avoid Foreclosure, Short Sales, Pre-Foreclosures, Las Vegas Certified Short Sale Specialist, Financial Hardship, Get Out of Debt, Las Vegas Realtors, Las Vegas Real Estate Brokers