Debt Management Blog

Bank of America short sales are on the move….

With Bank of America short sales starting to move quicker into closing, we should be setting up for the best spring home buying season in years. Thanks to B of A’s implementing the equator system getting files submitted and worked on has become a much quicker process. The equator system allows the person who submitting the short sale whether it’s the client, realtor or title company submits via an online portal versus the old fashion fax method they were using.

This short sale process for Bank of America eliminates a lot of the phone calls or going back and forth emails that you would normally have to deal with making sure that your file was received and is being worked on.

What’s great about the B of A equator system is that it sends you email notifications letting you know what you are missing or may need to fix within your package, again eliminating huge amounts of waste time you used to spend doing follow up calls.

Although great, it does have some draw backs. For instance, if the your are requesting a huge reduction request like over $150,000 or more your file may get kicked back and you will have to submit via fax.

All in all with B of A adopting the equator system for short sales and other banks like GMAC who has also implemented some features from the system, we expect at our Title Company closing will be robust for the Spring home buying season

For more info on short sales try what is a short sale

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WhatisaShortSale.org was formed by a team of real estate, financial and legal professionals with over 50 years industry experience who have come together to provide homeowners with a no up front cost solution to completing a short sale.

What is a Short Sale free service to homeowner’s includes a free consultation that explores their present situation to see if they would qualify for a short sale. After the free consultation the homeowner’s are introduced to an expert in our network in their local area that will work hand in hand with them from start to finish during the short sale process.

Our network of experts do all the work from listing and showing the home, to processing all the necessary documentation that is needed for the banks approval to get your short sale approved in a timely fashion.

We help thousands of homeowners and agents across the nation short sale their properties. We understand it can be difficult for homeowners to pay their bills during a time of hardship, so there is cost for our services and no cost with our industry partners who help you with your short sale.

We have developed contacts within the banks that we utilize to assist in getting your short sale approved in a fast and efficient manner.

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Florida Home Loan Refinance.com was created with the intention to bring a better mortgage search to the consumer. Our google custom search module has been created to bring you the results you are looking.

Florida Home Loan Refinance

Florida Home Loan Refinance Lender ready to compete for you business

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Short Sale Buyers should really beware of liens associated with a real property that they are interested in…

We are seeing a lot of properties come back with tax liens or judgments attached to the owner and the property. These particular properties are becoming more & more difficult to get a settlement on because there is not enough money to cover all the liens.

“For The Better Deal & Faster Closings…Perform a Preliminary Search”

Before you commit to a property and wait for a short sale to be completed only to find out the lender is not willing to settle, perform a search. A title lien search will tell you what liens are on the title, if you see that the numbers will be tough on that particular property…Move on to the next one.

Finding a property with little or no liens associated with it will end up closing faster and probably for a better deal due to the fact that there are less lien holders having their hand out when you close. Our Short Sale Help program will help you find the right property, we will help you perform the search and explain to you what you are up against from the beginning. Call us for more info 1-877-427-9696

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Fast Florida Mortgage Refinancing at TLG…

The TLG mortgage refinancing team truly understands how important it is to you to close your Florida mortgage refinance on time.

Usually a person may refinance for consolidating debt, needing cash or just to take advantage of lower rates.

Right now people are refinancing their mortgages due to lower rates, we feel the rule of thumb is…If you can save anything close to a point when you are considering refinancing, it makes sense to refinance.

It is best to have professional mortgage broker run numbers for you and provide you with a Good Faith Estimate so you truly understand all the costs associated with you refinance, like recoding fees for your new mortgage.

This will provide you with hard numbers to compare and most important figure out how long it would take you to make back the costs and start saving additional money. In some cases we have seen clients make back the costs in just months. In these cases we were able to lower the clients interest by multiple points and it really save them a lot of money each month.

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The South Florida Real Estate problems have drastically improved over the last 2 months; personally I have seen 7 out of 13 houses sell in my neighborhood in the last 30 days.

By no means is our problems over though, almost a 3rd of all Florida mortgages are delinquent and that’s a real problem…

The flip side to that is after speaking to someone I know yesterday, they told me “I just completed a loan modification…Saved over $700 a month…Reduced my payment to $1000″. This is Great for us, that means all those delinquent mortgages may just eliminate foreclosure.

The $8,000 home buying credit from the government is getting close to it’s end which we all hope may get an extension like it’s sister “Cash for Clunkers”….I believe that program has had a huge effect on helping the south Florida real estate market and can single handily get rid of at least 40% of the current home inventory.

Now, all we have to do is hope our Government realizes it too!

If you have gone out to look at properties yet, go and call your accountant first, he will provide you with the form you need to get your $8,000…then call your favorite realtor and buy a house. You will never get an opportunity like this again…

Get a Title Insurance Quote and save money on your closing costs

Content by: Real Estate Blog

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Free Short Sale Help!

Are you trying to “short sell” your home? I am currently helping Realtors & Homeowners get their short sales approved 30 days fast than industry average turn-times.

Why? Because I was helping, homeowners negotiate their short sales over 10 years ago, simple math will tell you that is a lot longer than we have all been hearing about short sales in the news.

Over the years, I have learned exactly what the banks are looking for, so by providing them with exactly what they are looking your chance of getting an approval becomes much greater and eliminates any and all going back and forth which can take months. This intellectual knowledge as proven me right time and time again when negotiating short sales and I’m willing to help all of you for free to get your short sales negotiated and closed.

What will we do? Help with Short Sales

I have now trained my team so that they are able to help you…They will do all preliminary searches on the property for you so that when the HUD is submitted it is accurate and not based on assumptions. We will help prepare your short sale package the right way prior to submission making sure everything is right and stacked properly. From there we will help with follow up, making sure that we maintain our position in line for review and provide answers to bank concerns in less than 24 hours.

 If you would like more information about us helping you with your short sale, please contact us directly at 877-427-9696

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current mortgage markets have really hurt the jumbo mortgage loans..High rates and low income, not the guidelines of a jimbo mortgage.

Houses in the $700,000 plus range are sitting and jumbo homeowners are stuck!

we found one solution for this markey at TLG, they have been providing jumbo mortgage solutions for many homeowners for refinance and purchases

Title services provided by Assure America Title Co.

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Not sure what Debt Settlement Program is right for you? Our Free Debt Analysis will help you decide.

What we do, we provide you with a comprehensive debt analysis for free…This includes mapping out a program that will work for you financially.

A good debt settlement program should work for you financially because it will give you a higher chance of becoming debt free.

Debt settlement programs that cause you to stretch to much may get you debt paid off faster but also have a much higher fall out rate which will only make you situation worse.

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Our primary objective is to negotiate with your creditors to settle each of your debts for less than the amount you otherwise would owe. We also can help with any calls from creditors that you may be receiving.

Click Here for our Debt Free Application it quick, short and most of all simple, just like our debt settlement program.

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