Understand you’re options before jumping in

Our company specializes in helping homeowners understand their options when it comes to mortgages, and buying or selling Real Estate. What ever your Real Estate related situation or intentions, we have a full range of solutions for you. Some of  today’s most popular are noted below.

Refinancing:

Many mortgages have reset to a higher interest rates and that is one of the main causes for homeowners to miss their payments as they start to struggle to make ends meet. Some of the last fixed rates are yet to reset and it’s just a ticking time bomb waiting to happen for many. Now is a good time to check your mortgage note and prepare for any upcoming adjustments before they occur. We are Realtors® and the mortgage and lending industry is the lifeline of our business so having a trustworthy lender to refer to our clients to is only good for business. If you would like us to review your current mortgage situation and put you in the best possible position for the future we would be honored to help.

Loan Modification: No charge

If you have lost household income or experiencing a financial hardship in any way, a loan modification is an option that may work for you. Unfortunately the success rate is very low for loan modification but there is a chance and we can advise you how to increase that chance. We can supply you with a instructional DVD and all the forms you need for the best results. Many home owners pay an attorney thousands of dollars to correctly file their loan mod. The truth is there is nothing an attorney can do that you can’t do yourself for free with a little guidance. This is a free service we offer to our communities we service.

Short Sale: No charge

Short sale is the easiest way out for most homeowners that have little or no equity. Short sale is also a better option than        foreclosure.  Foreclosure can ruin your credit for up to ten years. With a short sale and a little guidance it is possible to            restructure your credit to a point where you can qualify for a new loan and purchase again in 3 years or less. We hire full time short sale coordinators that service our listings to assure our clients homes will never be left on the back burner. Any Agent can get a market value offer, but getting your lender to accept it before the foreclosure is the critical part in which we excel.

1031 Exchange:

Many of our clients are repeat investors. When buying and selling real estate for business or investment, there are several tax liabilities you should be aware of. A 1031 exchange is a tool investors use to avoid paying capital gains tax. There are certain restrictions involved while doing a 1031 exchange.

Deferred Sales Trust™:

A Deferred Sales Trust is a legal way for a owner to sell a highly appreciated property, commercial property, investment      property, or a business and defer the capital gains taxes due at the time of sale over a period of time, even beyond the seller’s lifetime. This works well for retires or someone wanting to roll their real estate investments into other investments such as stocks or CD’s.

For Sale by Owner:

Some sellers prefer to sell their home on their own for one reason or another. Some reasons may be they don’t have enough    equity to pay a full real estate commission or they may just like to try selling on their own before they pursue listing it with a Realtor®. We have many successful marketing platforms other than the MLS including website and magazine advertizing. If a FSBO is willing to pay a buyer’s agent commission ½ the full rate we have an incentive to introduce and represent buyers on their property.

For further details on how we can help you, feel free to give me a call Toll Free 888-399-4844