Falling behind on your house payments and facing foreclosure may seem like the end of the world, but if you become informed and take action, I CAN HELP YOU find a solution.  A foreclosure will stay on your credit report for seven years but you'll have to disclose it to creditors for the rest of your life!  Walking away from your house may seem like the easiest solution but your credit score will probably drop by at least 200 points.  You'll be cleaning up that mess for years to come.

If you are not behind on your payments you may still qualify for a short sale.  If you can demonstrate a legitimate hardship, your mortgage company may allow us to sell your house at current market value, even if that's 50% of what you paid for it a few years ago.

I am one of only a handful of Realtors in Solano County to have achieved the designation of CDPE (CERTIFIED DISTRESSED PROPERTY EXPERT).  This uniquely qualifies me to help families in this unfortunate situation.  My husband (and business partner) Chris is also a CDPE.  Together we can help you too!
 

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If you really want to remain in your home I will refer you to a reputable company who can try a loan modification.  But if the bank won't agree, or if they only drop your payments $150 and that doesn't help you enough, we can still pursue a short sale.

Selling your home short is really quite simple - we put your home on the market and sell it just like any other home.  The only difference is that we have to negotiate with your mortgage company to take less than what you currently owe.

Most banks understand that home values have dropped substantially and that it's in their best interest to agree to a short sale rather than go through a foreclosure.  And if you're still uncertain…

The bank will pay the Realtor's fees - not you. 

You have nothing to lose by investigating the option of a short sale.  Either you have a legitimate hardship and the bank will consider taking a smaller payoff, or they won't. 

BUT YOU'LL NEVER KNOW IF YOU DON'T TRY!

     
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