Discreet and Confidential Short Sales
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Overview Maps Photos Description |
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Helping Pasadena homeowners avoid foreclosure.
Saturday, August 20, 2011
Confidential Short Sales
Short SaleTestimonial-From our Discreet and Confidential Short Sale Program
Short SaleTestimonial-From our Discreet and Confidential Short Sale Program-This testimonal was take directly from our Yelp Ratings. From all of us at Munson Montejano Real Estate, thanks Paul, it was a pleasure working with you too.
"One of the heaviest moments in my life was when I realized that I faced the very real possibility that I may lose my home to foreclosure. Not only was it a blow to my ego but I was really embarrassed that the neighbors would know about my situation. I decided that I wanted to salvage the most I could of my credit score and would go for a short sale. A friend of mine opened up to me and told me of the "discreet" or "stealth" short sale that her realtor had offered her. That realtor turned out to be Stephen Munson & Luis Montejano and his team. They had generated enough bids from buyers in the first few days that my friend was out of her situation within 8 weeks and she did not have to go through a foreclosure. What really made me feel better was that they did not put up a for sale sign or indicated in any of their sales material that my home was a short sale. Stephen & Luis were very gentle and professional and made me feel comfortable throughout the whole process. They even directed me to the right sources to get my credit back on track. A special thanks to Monica for holding my hand (figuratively) many times throughout a very emotional time. Thanks guys for all of your help". Paul H. Los Angeles
Copyright © 2011 By Stephen Munson-Luis Montejano-Munson Realty Southern California Real Estate –Homes In Los Angeles For Sale* Short SaleTestimonial-From our Discreet and Confidential Short Sale Program|short sale, short sales,discreet short sale,confidential short sale*
Los Angeles First Time Home Buyer -Yelp Testimonial-
Thanks for the 5 star rating Muriel, you were a lot of fun to work with!
"First time buyer....Stephen is the right combination of "giving you space", and "OK, you need to make a decision". He always says: "remember I'm on your side, no matter what, great news or bad, just let me know what's going on so I could do the best possible thing for you.", which is exactly what I needed! I needed my space but also needed to be guided with a little "push" through the process.... I tried a few Realtor before him, and 1 was really pushy, 1 was too slack, 1 was too much attitude....I never knew how hard it was to find a GREAT realtor, until I dealt with Stephen AND Luis ( who was equally nice, caring and pleasant!!!). The whole thing was done within a month, thanks to their computer dealings which really sped things up!
I highly recommend Stephen and Luis who make this overwhelming experience much easier to deal with! Thank you both" :) Muriel B-Los Angeles
View more testimonials here.
Copyright © 2011 By Stephen Munson-Luis Montejano-Munson Realty Southern California Real Estate –Homes In Los Angeles For Sale*Los Angeles First Time Home Buyer -Yelp Testimonial-Munson Montejano Realty|First Time buyer LA, First Time Buyer Los Angeles, Los Angeles First Time Buyer**
HAFA program-
of foreclosures in the US is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining the short sale process.
Short sales are honorable 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 seven homeowners struggling to make loan payments, distressed homeowners are not alone, and there are Home Foreclosure Alternatives available.
Here are some Bullet Points on the HAFA Short Sale program.
HAFA Eligibility
At present, the home owner is eligible if all the following HAFA rules are met:
- • Property is borrower's principal residence
- • Loan is a 1st lien mortgage
- • Originated before Jan 1, 2009
- • Mortgage is delinquent or default is reasonably foreseeable
- • Current unpaid balance is equal to or less than $729,750
- • Borrower's total monthly mortgage payment exceeds 31 percent of borrower's gross income
- *information taken directly from HAFA
Short sale relocation assistance for the Distressed Home Owner
- $3,000 to Borrowers for Relocation Assistance
Is your lender participating in the HAFA assistance program? Lenders and loan servicers participating in HAFA program must sign a participation agreement with Fannie Mae to participate in HAMP by October 3, 2010.
The list of lenders that are participating is constantly growing, please contact us for the most recently update list (there is no fee or charge).
Cities we cover:Beverly Hills short sale assistance, Burbank help with foreclosures ,Canoga Park short sale help-,Culver City short sale Realtor, Down Town Los Angeles, Echo Park short ,Encino-short sale assistance, Glassell Park short sale Realtor, Glendale foreclosure help ,Granada Hills short sale assistance, Hollywood short sale Realtor- Los Feliz short sale listing agent- Mt. Washington short sale Realtor, North Hollywood help with foreclosures- ,Pasadena short sale help ,San Fernando Valley help with foreclosures ,Sherman Oaks short sale assistance, Silver Lake short sale listing agent, Studio City short sale listing agent ,Tarzana short sale Realtor, Toluca Lake short sale listing agent-Avoid Van Nuys help with foreclosures, West Hollywood short sale Realtor, Winnetka short sale assistance,
Copyright © 2011 By HFA|Home Foreclosure Alternatives Stephen Munson& Luis Montejano-Munson Realty Southern California Real Estate *What is HAFA-Home Affordable Foreclosure Alternatives program hafa,hafa program,hafa short sales,hafa short sale,hafa guidelines,short sale hafa,hafa rules,hafa government program,home affordable foreclosure alternatives,relocation assistance foreclosure,short sale incentive,hafa assistance program,short sale relocation assistance,short sale relocation*
Los Angeles Short Sale Specialist|Munson Montejano Realty's
We close short sales and save homeowners from foreclosure where others fail. We will be very direct in telling you that we cannot guarantee we will save you from your “auction sale date” but we do have a 92% successes ratio. To date, the only reason we have not been able to successfully close on a short sale is because the seller has reached out to us too late.
In California, you have approximately 90 days (may vary from lender to lender) from the Notice of Default filed by your lender for property to be sold at property auction.
Getting the short sale process started now can stop foreclosure. If your intention is to stop foreclosure through a short sale then it is important that you start the short sale process sooner rather than later.
Our Short Sale Services are at NO Cost to you!
Contact us to schedule a free evaluation. We will never ask you for a single dollar to short sale your home. Your lender, not you, pays our fees. In fact, there is a very good chance we can negotiate $3,000 in relocation expenses on your behalf.
We are Certified Distressed Property Experts® monitoring the federal laws and regulations and promoting anti-scam and anti-fraud communications from various government organizations.
Call us now if you are ready to avoid foreclosure through the short sale process. Or you can fill out this confidential contact form here on line. Our consultation is free and confidential.
Call us: Locally (323) 216-9671 Toll free (877) 636-0444 Spanish (877) 431-4432
Short SaleTestimonial-From our Discreet and Confidential Short Sale Program-This testimonal was take directly from our Yelp Ratings. From all of us at Munson Montejano Real Estate, thanks Paul, it was a pleasure working with you too.
"One of the heaviest moments in my life was when I realized that I faced the very real possibility that I may lose my home to foreclosure. Not only was it a blow to my ego but I was really embarrassed that the neighbors would know about my situation. I decided that I wanted to salvage the most I could of my credit score and would go for a short sale. A friend of mine opened up to me and told me of the "discreet" or "stealth" short sale that her realtors had offered her. Those realtors turned out to be Stephen Munson & Luis Montejano and his team. They had generated enough bids from buyers in the first few days that my friend was out of her situation within 8 weeks and she did not have to go through a foreclosure. What really made me feel better was that they did not put up a for sale sign or indicated in any of their sales material that my home was a short sale. Stephen & Luis were very gentle and professional and made me feel comfortable throughout the whole process. They even directed me to the right sources to get my credit back on track. A special thanks to Monica for holding my hand (figuratively) many times throughout a very emotional time. Thanks guys for all of your help". Paul H. Los Angeles
Short Sales Los Angeles-Areas we cover:
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Beverly Hills short sale assistance- Short sale listing agents Munson Montejano will walk you through the short sale process.
Burbank help with foreclosures -Munson Montejano Realty offers free short sale assistance for you in Burbank.
Canoga Park short sale help- A bank short sale with short sale Realtor Munson Montejano Realty will keep you from the grips of foreclosure.
Culver City short sale Realtor-Free short sales help for your Culver City home or condo.
Down Town Los Angeles-Short sale pros, Munson Montejano Realty, will help you avoid foreclosure through a short sale
Echo Park short sale help-Short sale programs like HAFA’s $3k in relocation expenses and a speedy short sale will make avoiding foreclosure much more manageable.
Encino-short sale assistance- HAFA short sales offer $3k in relocation assistance.
Glassell Park short sale Realtor-Munson Montejano short sale listing agents will help you avoid foreclosure and proved you with short sale assistance.
Glendale foreclosure help -Short sale assistance in Glendale will be handled for you by one of our expert short sale Realtors.
Granada Hills short sale assistance- Short Sale listing agents Munson Montejano Realty will help guide you through the short sale process.
Hollywood short sale Realtor- Short sale specialist will help you short sell in Hollywood and get you the relocation cost you need to move on.
Lake Balboa short sale help-A Pre-Foreclosure Short Sale with Munson Montejano will help you avoid foreclosure
Los Feliz short sale listing agent- Stephen Munson, short sale Realtor in los angels will help you through the short sale process.
Mt. Washington short sale Realtor- Short sale listing agent and experts will provide you with the short sale assistance you need to avoid foreclosure.
North Hollywood help with foreclosures- There’s never a fee for foreclosure help in North Hollywood
Pasadena short sale help -Our short sale listing agents will help guide you through your Pasadena Short Sale.
San Fernando Valley help with foreclosures - Avoid foreclosure in the San Fernando Valley with of our Short Sale Specialist.
Sherman Oaks short sale assistance-Free short sale assistance by Los Angeles short sale specialist
Silver Lake short sale listing agent- Short sale your Silver Lake home with our short sale listing agents.
Studio City short sale listing agent – Munson Montejano Realty will help guide you through the short sale process.
Tarzana short sale Realtor- Free short sale services from your Tarzana Short Sale Realtors.
Toluca Lake short sale listing agent-Avoid foreclosure on your Toluca Lake home with our Short Sale listing agents.
Van Nuys help with foreclosures-Free short sale help in Van Nuys, avoid foreclosure!
Don't see your neibhorhood? Don't worry, we serve these areas and more. Give us a call and we'll let you know if we can help you out or refer you to somone who does!
Copyright © 2011 By Stephen Munson|Munson Realty Southern California Real Estate –*Los Angeles Short Sale Specialist|Munson Montejano Realty's| Los Angeles Short Sales, Los Angeles California short sale, Los Angeles Short Sale Realtors, Los Angeles Short Sale Specialists, Los Angeles California Short Sale *
Does short sale stop foreclosure?
Watch YouTube Video
Does short sale stop foreclosure
Does short sale stop foreclosure -In Most cases it does and at the very least it slows it down long enough to give your agent time to put off the sale date in order to secure a buyer. Why is that? Because lenders know that a foreclosure is usually a far more time consuming and costly option. If your agent can successfully complete a short sale your lender has saved a lot of time and thousands of dollars.
How long does it take to foreclose a p roperty in California? Depending on the timing of the various required notices, it usually takes around 90 days. Remember though, a short sale by no means is a fast sale so if this is the option you choose to take do yourself a huge favor and get the process started immediately. To date, the only reason we have not been able to successfully close on a short sale is because the seller has reached out to us too late.
Here's an example: We recently listed a short sale home in the West Hollywood area and had over 11 offers within 2 days. Fortunately our client found us in the nick of time and we’ve been able to secure a solid cash offer bringing her pretty close to what she owes making it a “not so short” sale!
So, if you were to ask her - does short sale stop foreclosure -she’d definitely say yes because the calls have stopped and she’s taken charge of the situation. In fact because she moved so quickly we were able to secure $3,000 in relocation expenses for her from the HAFA short sale program. Within a few weeks she will have avoided foreclosure.
Here’s a video clip below where we also tackle the question, does short sale stop foreclosure.
Copyright © Stephen Munson& Luis Montejano-Munson Montejano Real Estate *Does Short Sale Stop Foreclosure| short sale, does a short sale stop foreclosure
Short sale benefits
Short sale benefits
Short sale benefits- Are there short sale benefits? Sure there are, in fact one of the largest benefits is avoiding foreclosure. Short sale benefits such as avoiding foreclosure are a motivating factor for many homeowners who are upside down on their loans. Their main concern (and rightly so) is escaping the huge hit to their credit score that a foreclosure would entail. Short sales typically take a smaller “hit” to the FICO score verses foreclosure.
Other short sale benefits:
- HAFA offers $3k in relocation expenses. The government backed HAFA short sale program offers short t sellers $3,000 in relocation expenses as one of their short sale benefits.
- Peace of mind. No more phone calls and hugely reduced stress levels are huge short sale benefits.
- A fresh start. Wiping the slate clean opens the door to better life opportunities.
- Faster credit recovery. This means you can buy again sooner in a market that is more realistic, again another one of the nice short sale benefits.
Having to short sale your home does not make you any less of a person. In fact you must ask yourself: How wise is it to stay on board a sinking ship? Most of the time, a short sale is simply a smart business choice that benefits everyone. A short sale benefits the bank because they don’t go through the cost of a foreclosure. A short sale benefits the new buyer because they’ve found a new home at a reasonable price. Most importantly, a short sale benefits you because you’ve avoided foreclosure, taken a lesser hit to your credit and will have peace of mind knowing you made a smart business decision.
Copyright © By Stephen Munson-Munson Realty* Short sale benefits |short sale benefits, short sale*
Wednesday, August 17, 2011
Pasadena short sale agents-Munson Realty
Pasadena short sale agents-Munson Realty
Munson Realty and their Pasadena Short Sales department is a group of real estate/property advisers, escrow agents and title representatives with the intention to streamline the short sale process. Our goal is to create a win-win scenario for “you”, the homeowner and your lender. Our team of experts has helped countless distressed sellers through the stressful threat of foreclosure.
Our Pasadena short sale agents close short sales and save homeowners from foreclosure where others fail. We will be very direct in telling you that we cannot guarantee we will save you from your “auction sale date” but we do have a 92% successes ratio. To date, the only reason we have not been able to successfully close on a short sale is because the seller has reached out to us too late.
In California, you have approximately 90 days (may vary from lender to lender) from the Notice of Default filed by your lender for property to be sold at property auction.
Getting the short sale process started now with our Pasadena short sale agents can stop foreclosure. If your intention is to stop foreclosure through a short sale then it is important that you start the short sale process sooner rather than later.
Our Pasadena Short Sales Services are at NO Cost to you!
Contact one of Munson Realty's Pasadena short sale agents to schedule a free evaluation. We will never ask you for a single dollar to short sale your home. Your lender, not you, pays our fees. In fact, there is a very good chance we can negotiate $3,000 in relocation expenses on your behalf.
We are Certified Distressed Property Experts® monitoring the federal laws and regulations and promoting anti-scam and anti-fraud communications from various government organizations.
Call Munson Realty's Pasadena short sale agents now if you are ready to avoid foreclosure through the short sale process. Our consultation is free and confidential.
Call us : Locally (626) 376-9732 or (323) 216-9671 Spanish (877) 431-4432
Stephen Munson has always been attracted to serving the clients that require the most diligent care and need more attention than the traditional buyer or seller. Stephen specializes in sellers who are in difficult situations, such as avoiding foreclosure through a short sale or difficulties selling their home the first time around. First-time buyers are also some of the clients Stephen Munson is passionate in serving. He feels first-time buyers really need super focused coaching and a lot of “hand holding,” which he really enjoys.
As broker and owner of Munson Realty-Southern California Real Estate, Stephen employs only Realtors (agents) that share his enthusiasm for excellence in client care and integrity. “My agents must be able to bring a talent or skill set to the business that no other agent in town can offer, and they must do it extremely well!”
Stephen Munson is also author and host of several real estate related blogs and a professional public speaker. Aside from professionally coaching his agents in the craft of real estate, he also coaches other agents from
around the country.
Saturday, July 16, 2011
Silver Lake Los Angeles|Munson-Montejano Realty
Some of my personal favorite dining spots include: “Cliff's Edge”, “Gindergrass”, “Silver Lake Wine”, “Madame Matisse”(for breakfast), “Dusty's”, “The Desert Rose” in Los Feliz, “Masa” in Echo Park for great deserts & Chicago style pizza and of course “Two Boots” for their great Louisiana style pizza.
And let’s forget the eclectic night life scene and all of the neighborhood coffee houses such as Intelligentsia for coffee.
As someone who is passionate about architecture, I really appreciate the variety of home types including craftsman, Spanish style and contemporary homes and buildings you will see throughout the Silver Lake-Echo Park and adjacent neighborhoods.
Silver Lake adjacent neighborhoods include: Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock andLos Feliz.
Did you know this about Silver Lake?
Walt Disney-In the 1930s, Walt Disney built his first large studio in Silver Lake at the corner of Griffith Park Blvd and Hyperion Avenue, now the site of Gelson's Market. (Source Wikipedia)
Famous Residents-Tom Hanks & Kiefer Sutherland are just two of many of Silver Lakes famous residents.
If you are thinking of moving to Silver Lake or one of its adjacent neighborhoods the start your search here and check out my “Urban Digs” Hot Property List that goes directly into your email box with photos, addresses, prices and every detail you want to know about every new listing that comes on the market in the Silver Lake, Atwater Village, Echo Park, Mount Washington, Glassell Park, Eagle Rock and Los Feliz neighborhoods.
Watch this YouTube video and Learn more about The Urban Digs Hot Property List
Or...
Are you looking to buy a home in Silver Lake and other areas throughout Los Angeles? Then start that search here and access the Los Angeles MLS for free and take complete control over your search for free.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty*Silver Lake Los Angeles|Munson-Montejano Realty-Silver Lake,Silver Lake Reservoir,Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock,Los Feliz,Los Angeles MLS*
Listings in Los Angeles-Munson-Montejano Real Estate-
Listings in Los Angeles-Munson-Montejano Real Estate- Search the entire MLS in Los Angeles completely free. Search allLos Angeles listings by Price, neighborhoods, Bedrooms, baths, square footage and by home map search. See all listings Los Angeles and it's MLS has to offer including, single family, condos and town homes.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Real Estate*Listings in Los Angeles-Munson-Montejano Real Estate,MLS in Los Angeles,home map search,listings in Los Angeles,listingsLos Angeles,Los Angeles listings*
Home For Sale With Guest House|West Hollywood|Munson Montejano Real Estate
Home For Sale With Guest House|West Hollywood|Munson Montejano Real Estate
Short sales-Frequently Asked Questions-Munson Montejano-
Short sales-Frequently Asked Questions-Munson Montejano-
What is a Short Sale? A Short Sale is the sale of a home when the net proceeds do not fully pay off the existing mortgage loan(s) and the Lender is willing to accept a discounted payoff. Why would my lender accept less than what is owed on my mortgage? Lenders are in business to lend money, not to own real estate. They do not want the expense of the foreclosure process and/or the holding and maintaining of the property if it does not sell at foreclosure. The foreclosure process is very expensive and time consuming, so many lenders will agree to what seems a loss on the mortgage when they will actually save money by not completing the foreclosure and holding the property in their portfolio.
If I do a Short Sale, how much will I have to pay to sell my home? In most cases, you will not pay any sales costs if your Lender approves the Short Sale. All commissions, title and escrow fees, and some repair expenses are paid by the Lender, Investor or Mortgage Insurance company, if applicable, as part of the Short Sale approval.
Will my short sale be confidential? We do not market the property as a short sale. We must however note in the MLS in the private agent remarks; this is a short sale.
Can I simply deed my property to someone else and avoid the hassle? Deeding your property to someone without paying off the mortgage loan does not forgive you of the debt, and the property is still encumbered by a lien. Always check with your attorney to verify all the options available to you.
What sort of hardship would my lender consider legitimate? To some extent, that will depend upon the Lender considering your Short Sale request. Below you will find a list of common “hardships” that may be accepted by Mortgage Servicers:
- Family illness or injury
- Job relocation
- Job loss or significant income loss
- Divorce or split of domestic partners
- Death of a spouse
- Adjustment in mortgage payment or unforeseen increase in living expenses
- Too much debt
- Military service
I am current on my mortgage, so will my Lender consider a Short Sale? Many lenders now will consider a Short Sale offer on mortgage loans that are not delinquent. Other lenders will not consider a Short Sale offer until the loan is delinquent. We will work with you to put your Short Sale offer together and submit it for approval (remember, there is no charge for this). That is the best way to determine if your Lender will accept a Short Sale offer on a loan that is current.
Do lenders approve all Short Sales? No. That is why it is critical to work with someone, that has extensive experience at getting Short Sales approved and has direct contact with Mortgage Servicers
I have a second mortgage on my property, so can I still do a Short Sale? Yes. We can also work with the Mortgage Servicer or lender that holds the second mortgage, (many times the same Mortgage Servicer holds the 1st and the 2nd loans) to put together a Short Sale transaction. It is very important however, that you let us know if you have a second mortgage, home equity line of credit (HELOC), or any type of lien against your property such as a Home Owners Association lien, tax lien or mechanics lien.
My property is in rough shape and needs work; can I still do a Short Sale? Absolutely, Lenders often take into consideration repair costs, as a factor, when determining whether to approve a Home Short Sale offer.
I am concerned about my credit, so how will a Short Sale affect my credit? The goal is to avoid foreclosure. Consult your attorney to verify how this may affect your credit.
Can I receive cash from a Short Sale? No, short sales are only designed to get you out of your mortgage debt rather than going through the entire foreclosure process. It is not a refinance option and you will be vacating the property, as you would, if you were going through foreclosure. What if my home is not worth what I purchased it for? This is the typical scenario for a short sale, when you can only sale it for less than it is currently worth.
What if I have filed bankruptcy? You will need to check with your Bankruptcy Attorney to verify if you can proceed with a Short Sale.
To find out if a short sale is the right choice for you, vist: Www.LosAngelesShortSaleAgent.com
Copyright © 2011 By Stephen Munson-Munson Realty Southern California Real Estate –Homes In Los Angeles For Sale*Short sales-Frequently Asked Questions-Munson Montejano Realty|short sale, short sales, home short sales*
Sold!-Munson Montejano Real Estate
Sold!-Munson Montejano Real Estate-"Stephen and his partner Luis helped us buy our first home! They made the process simple and enjoyable from the beginning. They are extremely prompt with returning calls, emails, and texts, and worked around our hectic/sporadic schedules...usually scheduling our showings with less than 24 hour's notice without any complaint. When we eventually put in an offer, Stephen made the process super-simple, gave great advice, and won rave reviews from the listing agent. The offer he put together for us beat out a few competing offers, and he was able to get us closed in just three weeks from the date we put in our offer. This included getting our inspection and appraisal contingencies lifting in the very tight time frame imposed by the seller. They were with us at each step from the first houses that we saw to the moment we got the keys to our new home. There is no question that we will turn to Stephen and Luis if we ever decide to sell this house, and I have already recommended them to a couple of friends who are house hunting now."
Sarah & Vitali-Los Angeles
Munson-Montejano Real Estate-Pristine Remodel of British Colonial Inspired Home
Overview Maps Photos Description |
|
HAFA-Home Affordable Foreclosure Alternatives program
of foreclosures in the US is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining Home Foreclosure Alternatives.
Short sales are honorable 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 seven homeowners struggling to make loan payments, distressed homeowners are not alone, and there are Home Foreclosure Alternatives available.
Here are some Bullet Points on the HAFA program.
HAFA Eligibility
At present, the home owner is eligible if all the following conditions are met:
- • Property is borrower's principal residence
- • Loan is a 1st lien mortgage
- • Originated before Jan 1, 2009
- • Mortgage is delinquent or default is reasonably foreseeable
- • Current unpaid balance is equal to or less than $729,750
- • Borrower's total monthly mortgage payment exceeds 31 percent of borrower's gross income
- *information taken directly from HAFA
Incentives for the Distressed Home Owner
- $3,000 to Borrowers for Relocation Assistance
Is your lender participating? Lenders and loan servicers participating in HAFA must sign a participation agreement with Fannie Mae to participate in HAMP by October 3, 2010.
The list of lenders that are participating is constantly growing, please contact us for the most recently update list (there is no fee or charge).
California Short SaleSpecialist Luis Montejano and Stephen Munson explain in this clip the more highlights of the HAFAprogram. Luis Montejano has earned the prestigious Certified Distressed Property Expert and has helped countless Californians avoid foreclosure.
Copyright © 2011 By Stephen Munson& Luis Montejano-Munson Realty Southern California Real Estate *HAFA|HAFA Short Sales by Munson Montejano Real Estatehafa,hafa program,hafa short sales,hafa short sale *
HAFA-$3,000 A Prestatarios Como Ayuda Para Traslado
Programa de Alternativas de Embargo Hipotecario “Home Affordable” (HAFA por sus iniciales en inglés)
Usted puede ser elegible si cumple con los siguientes requisitos:
- La propiedad es la residencia principal del prestatario.
- El préstamo es el primer gravamen de la hipoteca.
- El préstamo se originó antes de Enero 1, 2009.
- El préstamo está atrasado o está por incurrir en retrasos por razones justificadas
- El saldo actual del préstamo es igual o menor a $729,750 dólares.
Las ventajas para usted:
La entidad crediticia renuncia a sus derechos de solicitar un juicio por deficiencias
Institución financieras participantes
Para saber si su institución financiera es participante en este programa de gobierno, HAFA, llámenos al
Local (323) 216-9671
Gratis (877) 636-0444
Español (877) 431-4432
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Real Estate*HAFA-$3,000 A Prestatarios Como Ayuda Para Traslado*
Saturday, July 9, 2011
Homes In Los Angeles For Sale- Search The Los Angeles MLS
Homes In Los Angeles For Sale- Search The Los Angeles MLS-Search the Los Angeles MLS right here for FREE-No need to log in to search the Los AngelesHome Search. You can search by price, rooms or map. All listing are up to date.
Copyright © 2011 By Stephen Munson & Luis Montejano-Munson-Montejano Realty –Homes In Los Angeles For Sale*Homes In Los Angeles For Sale- Search The Los Angeles MLS*
MLS in Los Angeles|Munson-Montejano Realty
MLS in Los Angeles|Munson-Montejano Realty- Search the entire Los Angeles MLS completely free. Search by Price, neighborhoods, Bedrooms, baths, square footage and by home map search. See all homes in La that are listed in the Los Angeles MLS for sale including, single family, condos and town homes.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty-MLS in Los Angeles|Munson-Montejano Realty*MLS in Los Angeles,home map search,homes in La,MLS in Los Angeles,Los Angeles MLS*
Silver Lake Los Angeles|Munson-Montejano Realty
Some of my personal favorite dining spots include: “Cliff's Edge”, “Gindergrass”, “Silver Lake Wine”, “Madame Matisse”(for breakfast), “Dusty's”, “The Desert Rose” in Los Feliz, “Masa” in Echo Park for great deserts & Chicago style pizza and of course “Two Boots” for their great Louisiana style pizza.
And let’s forget the eclectic night life scene and all of the neighborhood coffee houses such as Intelligentsia for coffee.
As someone who is passionate about architecture, I really appreciate the variety of home types including craftsman, Spanish style and contemporary homes and buildings you will see throughout the Silver Lake-Echo Park and adjacent neighborhoods.
Silver Lake adjacent neighborhoods include: Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock and Los Feliz.
Did you know this about Silver Lake?
Walt Disney-In the 1930s, Walt Disney built his first large studio in Silver Lake at the corner of Griffith Park Blvd and Hyperion Avenue, now the site of Gelson's Market. (Source Wikipedia)
Famous Residents-Tom Hanks & Kiefer Sutherland are just two of many of Silver Lakes famous residents.
If you are thinking of moving to Silver Lake or one of its adjacent neighborhoods the start your search here and check out my “Urban Digs” Hot Property List that goes directly into your email box with photos, addresses, prices and every detail you want to know about every new listing that comes on the market in the Silver Lake, Atwater Village, Echo Park, Mount Washington, Glassell Park, Eagle Rock and Los Feliz neighborhoods.
Watch this YouTube video and Learn more about The Urban Digs Hot Property List
Or...
Are you looking to buy a home in Silver Lake and other areas throughout Los Angeles? Then start that search here and access the Los Angeles MLS for free and take complete control over your search for free.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty*Silver Lake Los Angeles|Munson-Montejano Realty-Silver Lake,Silver Lake Reservoir,Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock,Los Feliz,Los Angeles MLS*
Los Angeles Property Search|Munson-Montejano Realty
Los Angeles Property Search|Munson-Montejano Realty- Search the entire MLS in Los Angeles completely free. Search by Price, neighborhoods, Bedrooms, baths, square footage and by home map search. See all homes in La including, single family, condos and town homes.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty*Los Angeles Property Search|Munson-Montejano Realty,los angeles property search,la properties,los angeles property,property in los angeles,los angeles properties,property los angeles,properties los angeles,properties in los angelesMLS in Los Angeleshome map searchhomes in La*
Listings in Los Angeles-Munson-Montejano Real Estate-
Listings in Los Angeles-Munson-Montejano Real Estate- Search the entire MLS in Los Angeles completely free. Search all Los Angeles listings by Price, neighborhoods, Bedrooms, baths, square footage and by home map search. See all listings Los Angeles and it's MLS has to offer including, single family, condos and town homes.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Real Estate*Listings in Los Angeles-Munson-Montejano Real Estate,MLS in Los Angeles,home map search,listings in Los Angeles,listingsLos Angeles,Los Angeles listings*
Short Sales-Munson Montejano Real Estate-
Short Sales-Munson Montejano Real Estate-Munson Montejano's Short Sales department is a group of real estate/property advisers, escrow agents and title representatives with the intention to streamline the short sale process. Our goal is to create a win-win scenario for “you”, the homeowner and your lender. Our team of experts has helped countless distressed sellers through the stressful threat of foreclosure.
We close short sales and save homeowners from foreclosure where others fail. We will be very direct in telling you that we cannot guarantee we will save you from your “auction sale date” but we do have a 92% successes ratio. To date, the only reason we have not been able to successfully close on a short sale is because the seller has reached out to us too late.
In California, you have approximately 90 days (may vary from lender to lender) from the Notice of Default filed by your lender for property to be sold at property auction.
Getting the short sale process started now can stop foreclosure. If your intention is to stop foreclosure through a short sale then it is important that you start the short sale process sooner rather than later. Contact us to schedule a free evaluation. We will never ask you for a single dollar to short sale your home. Your lender, not you, pays our fees. In fact, there is a very good chance we can negotiate $3,000 in relocation expenses on your behalf.
We are Certified Distressed Property Experts® monitoring the federal laws and regulations and promoting anti-scam and anti-fraud communications from various government organizations.
Call us now if you are ready to avoid foreclosure through the short sale process. Or you can fill out this confidential contact form here on line. Our consultation is free and confidential.
Call us: Locally (323) 216-9671 Toll free (877) 636-0444 Spanish (877) 431-4432
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Real Estate*Short Sales-Munson Montejano Real Estate|Short Sales,short sale,short sale process*
Short Sales-Home Foreclosure Alternatives
Avoiding home foreclosure can be stressful. Distraught homeowners facing foreclosure are not alone. Today, 1 out of 7 homeowners is delinquent on their mortgage or in the process of foreclosure. Knowing your home foreclosure alternatives and where you stand can greatly reduce that stress and help you form a game plan that will help you avoid foreclosure..
Let's talk about Home Foreclosure Alternatives, what are the options?
Lender Loan Modifications or Lender Workout | Of course the best course of action for the distressed home owner is to stay in their home and avoid any other alternatives. With that in mind a Lender Loan Modification or Workout should be vigorously pursued. With this as an option your lender may be willing to:
- Add the missed payments to the existing loan balance.
- Change the interest rate, including making an adjustable rate into a fixed rate.
- Extend the number of years you have to repay.
When the lender can work out terms that lower the monthly payment and bring the principle balance closer to today's market value, this is the best choice.
Unfortunately, this is often only a temporary fix and ultimately stretches out the ultimate conclusion of the home owner having to give up their home.
Why is that? Often the new terms are still not enough to justify the homeowner staying in the home. For example: The principle balance is still way above market value or because of financial hardship there is simply not enough income to sustain even the new terms of the loan
So then What?
- Sell And Bring Cash to Closing- Of course is a ridiculous option for most because their resources have already been drained.
- Deed in lieu of foreclosure-A Deed in lieu of foreclosure is when the home owner gives up title or deed to the lender to satisfy the loan. However, if the borrower owes more on the home that is owed, it is often unlikely the lender will agree to a Deed in Lieu of foreclosure.
- Short Sale- A short sale can is often the best solution for home owners who are upside down. In the past, it was rare for a bank or lender to accept a short sale. Now, however, due to overwhelming changes in the market, banks and lenders have become much more flexible when it comes to approving short sales. Recent changes in many corporate policies and the Obama administration have also greatly improved the chances of getting many short sales approved.
In California, you have approximately 90 days (may vary from lender to lender) from the Notice of Default filed by your lender for property to be sold at property auction.
Getting the short sale process started now can stop foreclosure. If your intention is to stop foreclosure through a short sale then it is important that you start the short sale process sooner rather than later.
Contact us to schedule a free evaluation. We will never ask you for a single dollar to short sale your home. Your lender, not you, pays our fees. In fact, there is a very good chance we can negotiate $3,000 in relocation expenses on your behalf.
Contact us at: 1-877-636-0444 or Follow this link.
Copyright © 2011 Stephen Munson& Luis Montejano-Munson-Montejano Real Estate *Short Sale, Short Sales, Home Foreclosure Alternatives-Home Foreclosure alternatives,Foreclosure Alternative,Lender Loan Modifications,short sale, short sales, home short sale,*
Short Sales-What is a Short Sale?-Munson Montejano Real Estate
Recent changes in many corporate policies and the Obama administration have also greatly improved the chances of getting many short sales approved.
To be clear, here is a more technical definition of a short sale: When a seller must sell their home for less than they owe on the property, and the lender that they owe the money to agrees to take less than they originally loaned to the seller, that is a short sale. The "short" of the sale is the difference between what the property can be sold for now minus the loan balance.
Example: Home owner owes $400K on loan for their home, but the home is only worth $300K. The "short" of the sale would be $100K Plus Expenses that the Lender would have to take a loss on.
What qualifies a seller for a short sale?
Here are just a few examples of Hardships that may qualify a seller for a short sale.
- Loss of Job
- Becoming disabled
- Divorce
- Death of a spouse
If you are considering a Home Short Sale you will need a team of highly specialized professionals to help you understand your options and home foreclosure alternatives.
Learn More about:
Marketing Short Sales-Finding A Buyer
Short Sale Agents-How to find a short sale specialist
Short sale hardship-What qualifies as short sale hardship
Does A Short Sale Stop Foreclosure
Short Sale Vs. Foreclosure-Short Sales Affect On Credit
Qualifying for a loan modification-California Loan Modification
Lender Loan Modification Scams
What Is HAFA-Home Avordable Foreclosure Alternatives program
Copyright © 2011 By Stephen Munson& Luis Montejano-Munson Montejano Real Estate-Short Sales-What is a Short Sale?-Munson Montejano Real Estate*Short sales, short sale,What is a short sale*
Saturday, June 18, 2011
Homes In Los Angeles For Sale- Search The Los Angeles MLS
Homes In Los Angeles For Sale- Search The Los Angeles MLS-Search the Los Angeles MLS right here for FREE-No need to log in to search the Los AngelesHome Search. You can search by price, rooms or map. All listing are up to date.
Copyright © 2011 By Stephen Munson & Luis Montejano-Munson-Montejano Realty –Homes In Los Angeles For Sale*Homes In Los Angeles For Sale- Search The Los Angeles MLS*
MLS in Los Angeles|Munson-Montejano Realty
MLS in Los Angeles|Munson-Montejano Realty- Search the entire Los Angeles MLS completely free. Search by Price, neighborhoods, Bedrooms, baths, square footage and by home map search. See all homes in La that are listed in the Los Angeles MLS for sale including, single family, condos and town homes.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty-MLS in Los Angeles|Munson-Montejano Realty*MLS in Los Angeles,home map search,homes in La,MLS in Los Angeles,Los Angeles MLS*
Silver Lake Los Angeles|Munson-Montejano Realty
Some of my personal favorite dining spots include: “Cliff's Edge”, “Gindergrass”, “Silver Lake Wine”, “Madame Matisse”(for breakfast), “Dusty's”, “The Desert Rose” in Los Feliz, “Masa” in Echo Park for great deserts & Chicago style pizza and of course “Two Boots” for their great Louisiana style pizza.
And let’s forget the eclectic night life scene and all of the neighborhood coffee houses such as Intelligentsia for coffee.
As someone who is passionate about architecture, I really appreciate the variety of home types including craftsman, Spanish style and contemporary homes and buildings you will see throughout the Silver Lake-Echo Park and adjacent neighborhoods.
Silver Lake adjacent neighborhoods include: Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock andLos Feliz.
Did you know this about Silver Lake?
Walt Disney-In the 1930s, Walt Disney built his first large studio in Silver Lake at the corner of Griffith Park Blvd and Hyperion Avenue, now the site of Gelson's Market. (Source Wikipedia)
Famous Residents-Tom Hanks & Kiefer Sutherland are just two of many of Silver Lakes famous residents.
If you are thinking of moving to Silver Lake or one of its adjacent neighborhoods the start your search here and check out my “Urban Digs” Hot Property List that goes directly into your email box with photos, addresses, prices and every detail you want to know about every new listing that comes on the market in the Silver Lake, Atwater Village, Echo Park, Mount Washington, Glassell Park, Eagle Rock and Los Feliz neighborhoods.
Watch this YouTube video and Learn more about The Urban Digs Hot Property List
Or...
Are you looking to buy a home in Silver Lake and other areas throughout Los Angeles? Then start that search here and access the Los Angeles MLS for free and take complete control over your search for free.
Copyright © 2011 By Stephen Munson & Luis Montejano- Munson-Montejano Realty*Silver Lake Los Angeles|Munson-Montejano Realty-Silver Lake,Silver Lake Reservoir,Atwater Village, Echo Park , Mount Washington, Glassell Park, Eagle Rock,Los Feliz,Los Angeles MLS*
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