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 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!!

Need a Realtor in Chula Vista??

SB 458 Law protects short sale sellers

CALIFORNIA ASSOCIATION OF REALTORS® applauds Gov. Brown on signing SB 458 into law

LOS ANGELES (July 15) – The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) applauds Gov. Jerry Brown on signing SB 458 (Corbett) into law. SB 458 extends the protections of SB 931 (2010), to ensure that any lender that agrees to a short sale must accept the agreed upon short sale payment as payment in full of the outstanding balance of all loans.

Under previous law (SB 931 of 2010), a first mortgage holder could accept an agreed-upon short sale payment as full payment for the outstanding balance of the loan, but unfortunately, the rule did not apply to junior lien holders. SB 458 extends the protections of SB 931 to junior liens.

“The signing of this bill is a victory for California homeowners who have been forced to short sell their home only to find that the lender will pursue them after the short sale closes, and demand an additional payment to subsidize the difference,” said C.A.R. President Beth L. Peerce. “SB 458 brings closure and certainty to the short sale process and ensures that once a lender has agreed to accept a short sale payment on a property, all lienholders – those in first position and in junior positions – will consider the outstanding balance as paid in full and the homeowner will not be held responsible for any additional payments on the property.”

SB 458 contains an urgency clause making it effective upon signing.

Call us for more information. (619)279-7167

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