Keeler Property Group

Dear Homeowner,

If you are having a difficult time keeping your mortgage current, or have an adjustable rate and are scared that you are not going to be able to refinance your loan, then you may be in danger of losing your home. Call us to discuss your options before it’s too late. We can discuss various alternatives to foreclosure, such as deed in lieu of foreclosure or a short sale of your home.

During this time of hardship for many people, it is important that you act quickly and have an experienced team on your side, working to protect you. It is not too late. We can help you to stay in your house the maximum amount of time before you must move out, and we work to minimize the damage to your credit to help you get back on your feet faster.

TEAM SUPPORT: We have an experienced team of professionals dedicated to serving you and advising you of your options so that you can make the right choice. This effectively minimizes the damage to your credit, allowing you to move forward with your life quickly.

IT’S NOT TOO LATE: Whether you are current on your mortgage payments or have already had a notice of default filed on your property, it is not too late to call us to negotiate a short sale. The sooner you contact us the better chance we have of success. The actions that you take now will determine the impact on your credit and the length of time that it will take to rebuild your financial profile.

SAVE YOUR CREDIT

How much does it cost?

It cost you nothing! ($0) ZERO!  The bank pays all the fees in order to avoid a costly foreclosure.

How long does the short sale process take?

It depends, but generally 4 to 6 months, depending on your lender.

Can I negotiate a short sale even if I’m not late on my mortgage payment?

Yes, you can.

Can I still do a short sale if a Notice of Default (NOD) has been filed against my property?

Absolutely! It’s not too late until the property has been sold at a trustee sale.

What if there is more than 1 lender? A first and Second loan?

We will negotiate a short sale with BOTH LIEN  HOLDERS!

Will I owe any money or have tax liability after my short-sale?

You must contact your CPA on this issue, but depending on your situation, the 2007 Mortgage Debt Relief Act may grant you immunity to personal liability. Please contact your CPA.

What is the difference between a short sale and a foreclosure?

A foreclosure is listed as a debt that has not been paid, and can stay on your credit for up to 7 years. A short sale is listed as a debt that has been settled or paid and reflects more positively on your credit.