QUE ES UNA VENTA CORTA?

Una venta corta es cuando usted vende su casa por un total menor de lo que usted deve al banco.  es esta su situacion?  llamenos.  le podemos ayudar Gratis!!
http://www.fabygonzalez.com/
no espere a que le hagan un foreclosure.  (619)279-7167

Trabaje con expertos.

Chula Vista California REO listing Agent

are you an asset manager looking for an experienced REO listing agent? email me for more information.
We can provide you with our Resume and all credentials. Our REO team has the experience you need.
email me Fabygg1@gmail.com  Registered with most banks already. http://www.fabygonzalez.com/

VA loans in San Diego, Chula Vista. Buy a house with no money down

FIVE EASY STEPS TO A VA LOAN

Apply for a Certificate of Eligibility.

A veteran who doesn't have a certificate can obtain one easily by making application on VA Form 26-1880, Request for Determination of Eligibility and Available Loan Guaranty Entitlement, to the local VA office.

Decide on a home the buyer wants to buy and sign a purchase agreement

Order an appraisal from VA. (Usually this is done by the lender.) email us fabygg1@gmail.com

Most VA regional offices offer a "speed-up" telephone appraisal system. Call the local VA office for details.

Apply to a mortgage lender for the loan.  email us fabygg1@gmail.com


While the appraisal is being done, the lender (mortgage company, savings and loan, bank, etc.) can be gathering credit and income information. If the lender is authorized by VA to do automatic processing, upon receipt of the VA or LAPP appraised value determination, the loan can be approved and closed without waiting for VA's review of the credit application. For loans that must first be approved by VA, the lender will send the application to the local VA office, which will notify the lender of its decision.

Close the loan and the buyer moves in.

Ready to buy your house with no money down using your VA loan? call us today (619)279-7167 http://www.fabygonzalez.com/
email us fabygg1@gmail.com

New HAFA Guidelines Effective Feb. 1, 2011

The Obama Administration’s HAFA short sale program has been in effect since April 5, 2010 and was created in an attempt to encourage lenders to do short sales and prevent homes from going to foreclosure.

Since its inception, however, only 661 HAFA short sales have been completed nationwide – a fraction of the number the Treasury Department and the Obama Administration had hoped for.

Effective February 1, 2011, the federal HAFA short sale guidelines will be amended in an effort to include more borrowers in the HAFA program and therefore reduce the number of homes in the United States that will go to foreclosure.

HAFA or Home Affordable Foreclosure Alternatives program is a joint government & lender program which allocates both a $3,000 incentive for borrowers who complete a successful short sale, as well as up to $6,000 to go to the 2nd lien holder in the short sale. It also specifies that the 2nd lender will not pursue a deficiency against the borrower.

The primary change in the HAFA program is the elimination of the debt to income hardship requirement for borrowers. Previously, in order to qualify for a HAFA short sale, the mortgage payment on the first mortgage had to exceed 31% of the seller’s gross monthly income.

This financial hardship requirement has now been removed, so sellers who wish to do a HAFA short sale will no longer need to meet any arbitrary income or financial hardship ratio, which should dramatically broaden the spectrum of borrowers who will qualify for the HAFA short sale program.

www.Fabygonzalez.com

BENEFITS OF A SHORT SALE

How do I, as a homeowner, benefit from a short sale?

First and foremost, it relieves the stress of being in foreclosure and being hounded by the mortgage lender; and it allows your to get rid of your big mortgage payment and move on with your live. A short sale allows you to stop the foreclosure and get a fresh start. This is the primary benefit to you. A short sale also prevents additional damage to your credit. Having some late payments and a foreclosure filed has already done damage to your credit. However, a completed foreclosure will do much more damage and lower your credit score tremendously. A short sale results in the mortgage actually being paid off, which reflects positively compared to a foreclosure. Also, it is important to note that the short sale does not cost you any money. You can remove this burden for free. Further more, there are lenders that will pay you relocation money by using the HAFA program where you can get up to $3000 to relocate. If your loan is with Chase they pay sellers up to $30,000 dollars to relocate.

Will a short sale “save my credit”?

The short answer is yes and no, a short sale can save you from the worst credit disasters. By defaulting on mortgage payments and/or having a foreclosure filed against your property, you have already done damage to your credit. Your credit score has declined and those negatives will stay on your credit report for some time. However, it will get much worse if you allow the foreclosure to continue and do not try to short sale the property. Once a foreclosed property is sold at auction, your credit score is further reduced and when the foreclosure is completed via eviction and repossession of the home, your credit will be even further damaged. If you can complete the short sale BEFORE either of these takes place, then you can prevent that further damage to your credit. In addition, when the short sale is completed, it shows up on your credit as a "Paid" mortgage and a cancelled foreclosure, which shows future creditors that you did take care of your obligations. A short sale can help avoid this, but the key is not to wait. Get started today on your short sale by contacting us to sell your house and have a fresh start.

*FABY GONZALEZ*

Keller Williams Realty
2060 Otay Lakes Rd # 200
Chula Vista, CA 91915
*(619)279-7167*
Fabygg1@gmail.com
Lic # 01402106
I APPRECIATE ALL YOUR REFERRALS!!
VISIT ME AT http://www.fabygonzalez.com/ <http://www.fabygonzalez.com/>
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VA loans are the only programs that have 100% financing meaning... No downpayment is required. If you can use your VA loan this is the time to buy. House prices are at its lowest.

Give us a call to help you get prequalified.

www.fabygonzalez.com

Chula vista Short Sale Specialist!

Doing a Short Sale on your house can be a painful process for some families. At Faby Gonzalez and associates is about you and making it a stress less and beneficial process. Our team is ready to help you and our full time Short Sale negotiator has successfully negotiated hundreds of short sales. Give us a call and let us go over your situation. FREE