Friday, November 19, 2010

Empowering People Through Guidance & Education

  1. Eliminate Your Debts Permanently & Live a Debt-Free Lifestyle
  2. Learn How to Negotiate With Your Creditors Safely
  3. Learn How to Create a Monthly Budget
  4. FREE Loan Modification. Modify Your Loan at NO COST TO YOU!
  5. Avoid Foreclosure: Our REALTORS® & Short Sale Negotiatiors Facilitate Short Sales.
  6. Learn How to Buy & Sell Real Estate Correctly
  7. Find Out How to Get Every Dollar You Deserve…by Getting The Full Value of Your House!
  8. Eliminate The Need For Home Price Reductions to Compete & Sell in a Buyer’s Market
  9. Attract More Buyers by Making it Easier For Them to Qualify
  10. Walk Away With the Maximum Amount of Your Equity
  11. Learn The Dangers of Reverse Mortgages
  12. Learn The Benefits of a Tax Deductible Mortgage
  13. learn How to Manage Your Home equity to Help You Build Wealth.
  14. Find out How to Maximize your Tax Deductions
  15. Learn How to Increase Cash Flow to Eliminate Financial Stress
  16. Increase Your Rate of Return
  17. Increase Safety
  18. Minimize The Wealth You Unknowingly Transfer to Others
  19. Find out about Tax Favored Treatment of Life Insurance Programs
  20. Learn How to Prepare For Retirement, Protect Your Family & AssetS
  21. Find Out How to Maximize Your Nest Eggs, Save Taxes & Grow Your Assets With Minimum Guarantee.
  22. Discover How to Make the Most informed decisions
  23. Retire Happy and Enjoy Your Golden Years
  24. NEVER GET RIPPED-OFF EVER AGAIN BY SALESMEN
    25. See You at The Top!
    Empowering People Through Guidance & Education!
    CA  DRE License # 01856185
    Tel: (818) 341-2972
    www.RealEstate-LosAngeles.net  -  Use our Latest Map Search Technology to Find Real Estate Deals
    www.WealthCreationTeam.net   - Build Wealth with real Estate
    www.AndrePlessis.com  - The Smartest Way To Buy & Sell real Estate
    www.AllRealEstate.biz   -  Keller Williams® Realty
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    "One of the keys to successful real estate investing has always been to purchase undervalued and distressed properties, as opposed to buying when it is overpriced."
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Sunday, November 14, 2010

How Can You Get Out of This House Payment Alive

  1. Are you having trouble keeping up with your monthly mortgage payment?
  2. Have you received a notice from your lender asking you to contact them?

Don’t ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your home.

Today many homeowners find themselves upside down in their property and in financial hardship due to a challenging economy. They are uncertain as to what to do, and realize they cannot maintain the monthly payments for a home that is worth less than the actual loan balance. Some have turned to loan modification, but unfortunately a great number of homeowners who apply will not qualify. Are there any helpful answers to resolve this situation?

Some who need to sell a property which decreases in value are doing a Short Sale. A Short Sale is the ability to sell the home for the fair market value, yet the bank accepts less than what is owed on the mortgage. A number of homeowners are turning to some REALTORS® and Short Sale Negotiation Companies to facilitate a Short Sale.

One of the criteria a bank looks at is the seller’s hardship. A legitimate hardship can be found due to one or more of the following reasons:  
  1. Adjustable Rate Mortgage Reset
  2. Job Relocation
  3. Damage to Property (natural disaster or unnatural)    
  4. Death of Spouse or Co-Borrower / Death
  5. Illness
  6. Death
  7. Loss of Job
  8. Incarceration
  9. Reduced Income
  10. Divorce / Marital Separation
  11. Failed Business
  12. Medical Bills
 Ways to Avoid Foreclosure
The best way to avoid foreclosure is to prevent the filing of a Notice of Default. Lenders do not want to foreclose but will file a Notice of Default to protect their interests, if necessary. If you know you are unlikely to meet your mortgage obligation, you should act immediately and contact your lender or a specialist like myself who will find a legitimate solution to get you out of this financial mess.
A Short Sale is different from a foreclosure. A foreclosure is detrimental to ones credit score. A Short Sale is not reported on a credit report as a Short Sale, but is usually reported as “debt settled”, which is generally less damaging to one’s credit.
How long could this process take? What information will you need to find out if you qualify for a Short Sale? Please feel free to contact me with no obligation. I am here to educate you and provide you with real options and possibilities. Why trust me? Because I never put clients in a bad financial situation by selling them an overpriced home or referred them to loan sharks who sold bad loans and misled consumers with deceptive advertising. Why give the car keys to someone who drove homeowners into the ditch? I wouldn’t? Would you? If your house was on fire, would you shoot at the firefighters? I wouldn’t? Would you? I show homeowners how to buy and sell real estate correctly to build wealth. Some Create The Real Estate Malaise, WE SOLVE IT!


Warm Regards,


Andre Luc Plessis
REALTOR®, RCS-DTM REALTOR®
Keller Williams® Realty
The Wealth Creation Team
CA DRE License # 01856185
Office: (818) 341-2972 - Cell: (310) 266-9463
Email: AndrePlessis@att.net
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