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Our services are FREE if you schedule your private consultation by Monday
HAFA BENEFITS & QUALIFICATIONS
HAFA is the Home Affordable Foreclosure Alternative Program, this is a government plan to help homeowners gracefully exit their homes. HAFA was accepted by the major Lender/ Lien Holders on 8/1/10. Not all homeowners qualify for this plan, we encourage our Sellers to volunteer for the program.
A complete short sale package consists, at minimum, all of the following:
Sellers' hardship letter
Tax returns - last 2 years
Financial statement - I provide the form
current Mortgage statement
Don't wait any longer as every second counts so call me now so we can get started!
Bob Gomez 623-252-0950 or email me at BOB@BobGomezGroup.com
FAST & SIMPLE STEPS FOR SELLING YOUR HOME VIA A SHORT SALE
1. Confidential meeting with me to review your situation via phone or in person.
2. You gather the items listed above.
3. I will prepare a market value analysis of your property and suggest a price.
4. I will provide an MLS listing agreement for you to review and sign to put your home up for short sale.
5. You will talk to your tax preparer about the income tax you may or may not have to pay as a result of a short sale or foreclosure.
6. Prepare your home for showings - remove the clutter, clean it up, make it look good
7. Review and approve any offers submitted to the lender.
8. Be patient while we work with the lender to get them to approve the offer.
NOTE: If you are going to file for bankruptcy, we cannot help with a short sale until approval is given by the court. If you have filed for bankruptcy, we will need court approval for the short sale.
COST: We do not charge the homowner for our service - all fees are paid by the lender at completion of the short sale. We do charge the homeowner $500 - $1000 only if the short sale is canceled by the homeowner once we get started with the process of the short sale.
A NOTE FOR BANK OF AMERICA AND COUNTRYWIDE CUSTOMERS
The following clause is likely to be included in the terms of the approved short sale - please review this with your legal advisor as it may have a significant impact on your financial future.
"BAC Home Loans Servicing, LP and/or its investors may pursue a deficiency judgment for the difference in the payment received and the total balance due, unless agreed otherwise or prohibited by law, if the short sale closes on the loan referenced above. In addition, if this loan is covered by mortgage insurance, the mortgage insurance company may reserve the right to pursue the seller for the deficiency based on the terms of the mortgage insurance policy. Furthermore, there may be tax consequences associated with entering into a short sale. The seller is encouraged to seek guidance from an independent tax advisor, and/or an attorney, before proceeding with the short sale. If this short sale is contingent upon BAC Home Loans Servicing, LP and/or its investors receiving a promissory note, we will reserve the right to collect the full amount on the new promissory note which may lead to us pursuing a deficiency on that balance should the need arise. If the short sale does not close, then we will pursue all remedies under our note and mortgage. This offer is contingent upon BAC Home Loans Servicing, LP receiving a properly executed and notarized Promissory Note, if applicable, to this short sale transaction."
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