CHULA VISTA SHORT SALE SPECIALIST!!

Need a short sale specialist? Need a Realtor to help you find your first home? Need a Realtor who can guide you thru the process and make it smooth? Need a Realtor to save you from Foreclosure by doing a short sale and helping you stay in your home a little longer FREE of charge?


well... Call Faby Gonzalez and Associates. visit my website and read our clients testimonials.

www.fabygonzalez.com

Chula vista Short sales

We are short sale specialists.  our areas include Short sales in CHULA VISTA, NATIONAL CITY, SAN DIEGO, PARADISE HILLS, SPRING VALLEY, SAN YSIDRO, AND ALL SOUTH SAN DIEGO.
CALL US FOR ALL YOUR SHORT SALE NEEDS.  WE ARE EXPERTS IN THE AREA.
http://www.fabygonzalez.com/

Chula Vista Short sale specialists

dont wait... call me today (619)279-7167  visit my website for more info  http://www.fabygonzalez.com/

Short Sale Specialist, Experts!!

Chula Vista Experienced listing agent. Chula Vista Short sale specialist

Need to sell your home? work with an experienced Listing agent.

My Personal Mission

As your professional real estate advisor, I focus on client satisfaction. My business is about service and I am not happy until you are happy. My years in the business have provided me the experience to assist you with nearly every real estate need. Whether it's finding you a home, finding the best loan, or helping you getting the most out of selling your home I am here to guide you. If there is anything you need, please let me know (619)279-7167 http://www.fabygonzalez.com/  Read client testimonials at my website.

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/>
follow me on facebook by clicking on icon