Phoenix, Arizona Short Sale

Hi, my name is Kevin Kauffman, I'm with Keller Williams and Group 46:10, certainly one of Phoenix's main real estate teams specializing in short sales. I'm here to speak to you right now about Desert Schools Federal Credit Union. I get about 2 or 3 calls per week from folks just like yourself who've been doing analysis on Desert Schools Federal Credit Union and whether or not or not they will do a short sale with them. I got to let you know, Desert Schools has been tough to work with. Over the years we have now worked with them so many occasions that we've been in a position to build some relationships there and understand their process so we can better serve our clients and their members.

Many individuals come to us as a result of they have heard that it is tough to work with Desert Schools Federal Credit Union and you understand what, that may very well be true for most people. I consider that we perceive their process now and we all know learn how to best set up our clients for success in a short sale with Desert Schools Federal Credit Union.

So, if that's you and you have a loan with Desert Schools Federal Credit Union, and you wish to talk to anyone who has got the expertise, then give us a call. We have handled them multiple occasions and we're sure that we are able to assist you. We've got an almost ninety% success rate, we have closed over 500 short sales now within the last 4 years. Again, I'm with Group 46:10, Phoenix's leading short sale teams. Give us a call. You may reach us at 480-449-6642 or just fill out a form right here on the web site at Group4610shortsale.com. We'll speak to you soon.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

For more videos on short sales check out Kevin and Fred on the Short Sale Power Hour. Video for Short Sale Specialists.

Hello, I am Kevin Kauffman. I'm part of Group 46:10, one of the country's top short sale and real estate businesses located right here in Phoenix. Are you struggling to make your mortgage payments or are tired of being underwater on your mortgage? We at Group 46:10 can provide you with different options to alleviate some of these struggles. As one of the leading short sale groups in the country, we have closed more than 500 short sales in the prior 4 years and have a success rate of over 90%.

I am here today to discuss short sales and tax ramifications. One of the concerns that we hear quite often from prospective customers is that they want to short sell their home, but are worried about the taxes they will have to pay after the sale. Maybe you've heard from others that have done short sales that there were some tax liabilities and want to find out more.

The Mortgage Debt Relief Forgiveness Act, which ends at the end of this year, allows homeowners, such as yourself, to not pay taxes on the forgiven amount if the home is their main residence and the selling price is less than $2.5million. If you are thinking about short selling your home, you need to act quickly because the transaction would need to be completed by the end of 2012 in order to qualify for The Mortgage Debt Relief Forgiveness Act.

Please call us or fill out the form on our website, group4610shortsale.com, to find out more about this act or if you have questions about your specific situation. If you do not qualify for this act, don't let that stop you from short selling your home. We have a few other ways to avoid paying taxes as well. A skilled short sale specialist, such as myself and my business partner Fred, can discuss those different options with you.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Watch Kevin and Fred, Short Sale Specialists, on the Short Sale Power Hour. Video for Short Sale Specialists.

Foreclosure listings are a great way to find that great real estate investment, and these can be found in several different areas. But there are some places that want to sell you foreclosure listings, and these can be expensive. Then even when they come at a price, often they will still have outdated information that you can not use. But there really is not any reason why you should have to pay for foreclosure listings, as these are free and are public information, if you know where to look. Free listings are available, it just takes a bit of leg work to access them.

The best place to start your free foreclosure listings is in the Newspaper. Every house that has to go into foreclosure legally has to have a Notice of Sale tendered, which is published for several weeks before the actual foreclosure date. The newspaper has these listings located in the public notice section.

Another way of finding lists of foreclosures is by making a trip to the public records office of your state. Foreclosure listings are always located in the public records, and when a notice of sale is given then a copy of that notice is filed in the public records office for your county. Any auction of property is also done here, and the county wants to try to avoid auctions so they give you easy access to these records.

You can also check with a real estate agent. There are real estate agents that deal in foreclosures and they will often have a list of homes that are about to be foreclosed on. It is the combination of listings from these various places that give you a comprehensive free foreclosure list. You can then use the compilation you have put together to help find the perfect foreclosure investment.

By the way, by researching and comparing the best free foreclosure listings services in the market, you will be able to determine the one that meets your specific requirements, plus the free or cheaper options. This way you will save time through up to date foreclosure listings and money by getting better results over your investment.

Hector Milla runs the Free Home Foreclosure Listings website, where you can see a review of the best rated free foreclosure listing service.

Read our full reviews, plus hundreds of articles and video training about this subject.

Article Directory: EzineArticles http://ezinearticles.com

Watch Kevin Kauffman and Fred Weaver of Group 46:10, Short Sale Specialists, on the daily Short Sale Power Hour.

Hi, are you considering a short sale however you are not quite sure of what your choices are? Well, my name is Kevin Kauffman and I am a part of Group 46:10, Phoenix's premiere short sale group and Phoenix's premiere short sale team. I am here to tell you that you simply do have choices and I would love to talk to you about them. My group and I've closed over 500 short sales in the last 4 years. We're right here to help you so in the event you need any assistance, whether or not you might have an FHA mortgage or perhaps you've got acquired a VA mortgage, we can help. Possibly you're unsure as a result of there are totally different rules around FHA and VA loans compared to loans with your typical credit union or with Bank of America or Wells Fargo.

Come to the experts and get a free session with us. We'd love to speak to you about what your choices are. We have worked with each bank out there. We have worked with over 100 banks. We have handled Fannie Mae and Freddie Mac, and FHA and VA, and anyone and everyone in between and we all know that we can help you.

So please give us a call today. You may reach us at 480-449-6642. You too can fill out a form here on our website. In the event you’re not on our web site, you'll be able to go to us at Group4610shortsale.com. Right here you will get your free short sale decision calculator outcomes in addition to request an in individual meeting. We'd love to talk to you about your choices and if a short sale is best for you, we'd love to assist you. Thanks rather a lot and have an excellent day.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Hello, have you been thinking about strategic default? My name is Kevin Kauffman and I'm part of Group 46:10, the premiere short sale group in Phoenix. I am here to inform you that you have options if you are thinking about strategic default. More specifically I would like to talk to you regarding the actual consequence of strategic default as it pertains to the amount of money that it will cost you to do it.

My business partner, Fred, and I have designed a tool named the Short Sale Decision Calculator to help individuals like you decide whether or not a strategic default is right for them. If you click on the link below or visit our website, group4610shortsale.com, it will take you to a website where it will show you the value of your home and ask you to enter your interest rate, the unpaid principal balance on your loan and your monthly payment. By putting in this information, we will provide you with a report that will demonstrate how long it will take for the value of your home and the amount you owe to be the same, as well as the amount of money it will take to get you to that point. This free report will provide you with the information you need to decide whether or not strategic default is the right choice for you or if you should do a short sale.

Should you determine a short sale is the best decision for you, we'd love to help you out. We have closed over 500 short sales in the past few years and have over a 90% closure rate. Please either visit our website or call us today so we can schedule a free consultation. Group 46:10 can help you avoid foreclosure, get out from your underwater mortgage and successfully short sell your home, so please contact us today.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Hello, do you have a loan with National Bank of Arizona and are searching for alternatives to foreclosure, such as short selling your home? Maybe you have a mortgage with them or a home equity line of credit and you are now in a situation where you're underwater on your house; essentially you owe more than what it's currently worth. If this is the case, you are probably curious if it's possible to do a short sale, if they'll help you avoid foreclosure or if they'll work with you on a loan modification.

My name is Fred Weaver and this is Kevin Kauffman with Group 46:10 in Phoenix. We operate one of the leading real estate teams in the country that specializes in short sales. We have actually completed more than 500 short sales in the last four years working with banks similar to National Bank of Arizona. What happens when we get some of these smaller regional banks, our customers come to us because they aren't even sure if their bank will allow short sales. An important thing to remember is that, at the end of the day, all lenders allow short sales because it saves them money versus allowing a property to go to foreclosure.

Whether we're doing business with a small local credit union like National Bank of Arizona or a larger well-known bank such as Wells Fargo or Bank of America, we've got the familiarity and the proven results you deserve to successfully short sell your property. The national average for most real estate agents on finalizing short sales is 30-40%; our success rate is 91%. Trust the people that have proven results to work for you and your lender to get your short sale closed. Please call us today to set up your free consultation or visit our website at group4610shortsale.com.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Patience is a virtue as the saying goes, and that saying is definitely true in Real Estate. I had a buyer client get approved for a short sale at the end of June, we put the contract in during the month of March! The sale is still not closed. The fact about short sales is that they take time, no matter what you hear. It is best to prepare yourself for a long wait. If you can stick out the three months (or four, five,...gulp, or six) that it usually can take, you have more patience than most. Buying or selling a home can be nerve racking as it is, now add weeks of being in the dark about whether or not your contract was accepted. Buying short is not for the faint of heart, so if you are going to explore the possibility of it then go "all in" and stick with it.

If you don't know what the term short sale is, it is when a person can not sell a property for more or equal to what amount they owe on the loan(s). If this negative amount is too great for the seller to come to the table with at close, then the seller must ask the bank to "forgive" the difference. A property is required to be identified as a short when it is listed by a REALTOR. That way there are no surprises to a potential buyer, everyone knows what they are getting into before the property is put under contract. A property can be sold for less than the amount owed on a loan and not be a short sale, as long as the seller can find a way to come to the closing table with that money. I have been in this situation, and it closed on the contracted date, so it is really all about getting that bank approval that takes time. In the end though the wait could really pay off, banks will usually take up to 80% of the loan amount in most cases and sometimes even more. As a buyer it may be hard to know that number, but a REALTOR should be able to dig around and get you a good approximation.

So I guess, in essence, a short sale is like that old Miller Beer commercial, "if you've got the time, we've got the beer". Except put "a lot" before "time" and substitute beer for...well you're going to need that beer. Feel free to give me a call or shoot me an email if you have any questions about short sales, I would be happy to help.

Pete Picchietti is a Real Estate Agent with Prudential Preferred Properties in Chicago. He has lived in Chicago his whole life and has extensive knowledge of the Real Estate Market in Chicago. If you would like to read more Real Estate articles by Pete or if you would like to learn more about the great city of Chicago, please visit his blog at http://www.pickpete.com and enjoy.

Article Directory: EzineArticles http://ezinearticles.com

Hey do you will have a loan with One West Bank, previously Indy Mac? Have you tried to work with them on perhaps a loan modification and you're at your wits end? My name is Kevin Kauffman and that is Fred Weaver and we're Group 46:10, Phoenix's leading real estate workforce specializing in short sales with banks similar to One West.

We have had lots of expertise with Indy Mac and One West over time and Indy Mac and One West have acquired quite a little bit of destructive publicity over time as well. Here's the good news for you the home-owner, it's potential for you to complete a short sale to avoid foreclosure with an Indy Mac or One West bank loan. The not so good news is you as the homeowner could really end up making a extremely huge mistake by simply going out and hiring any real estate agent to deal with Indy Mac or One West Bank. Kevin and I have experience in coping with them and it's essential that you work with not just someone who claims to be a short sale specialist but someone that has real leads to working with banks like Indy Mac and One West. I know that we've closed a minimum of two dozen short sales with Indy Mac and One West over the past four years now.

It's essential for you as a home-owner in case you're dealing with a scenario with Indy Mac or One West and you're wondering must you loan mod, do you have to let it foreclose, should you do a deed in lieu, is a short sale doable? Speak to an expert. Once more we're Group 46:10, Phoenix's main short sale consultants and we're right here to help. Give us a call. We want to understand your scenario more and consult with you about what's going to be in your best interest. Call us today. Our telephone number is 480-449-6642 or you too can go to us online at Group4610shortsale.com. We'll speak to you soon, have an excellent day.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Most of the homeowners that are facing the possibility of foreclosure have discovered that qualify for Obama's mortgage modification program was not as easy as they though it would be. To be precise, about 90% of homeowners have been rejected or never considered for the program.

Thousands of those homeowners have already lost their homes to foreclosure while others are in the middle of the foreclosure process. Some of those homeowners have sought helped and have been able to avoid or delay the foreclosure process. How long you can stay in your home after your lender has filed for foreclosure against you will depend on the fight that you put to your bank.

Some homeowners can delay the foreclosure process for years once their foreclosure process has already started while others have lost their homes in just about a few months. This doesn't have to be this way; there are many techniques and strategies that can be used along the foreclosure process to delay it, even if you don't have enough income to qualify for any government help.

Most of these techniques don't require any expenses from your part and usually you could stay in your house for over two years and in most cases without making even one single mortgage monthly payment. Obviously, you need to know how the foreclosure process work, and what to do in every step of the process in order to do this successfully.

The first step of your fight is to answer the foreclosure Summon once you receive the file notification. If done properly, this technique only could delay the foreclosure process for months. At this point there are different tactics you can use to get your lender to stop the foreclosure temporally.

Other techniques include: To negotiate a repayment agreement with your lender in order to receive more time in exchange, the requesting of a court hearing, rejecting the foreclosure notice, among others techniques.

Again, the time that you will stay in your home after foreclosure will depend on the fight that you put against your lender to delay the process and on your ability to use different aspects of the law in your favor to avoid foreclosure.

Foreclosure is a process and there are ways for you to delay that process and stay in your home mortgage-free for a few years even if you do not qualify for The Obama's Loan Modification Plan or any other Program, even if you have not income at all. Unfortunately, most people don't know about the many tactics and strategies available for fighting foreclosure.

To stop foreclosure and stay in your home is of up-most importance not only because it can potentially save you thousands of dollars, but because it will ensure that you maintain the ability to qualify for future programs.

For more detailed information and for tips and strategies to avoid foreclosure and stay in your home for over two years without making any monthly mortgage payments, go to: How-To-AvoidForeclosure.info Click Here: How To Stop Foreclosure Remember, you can do this without paying for Lawyers, Agencies or for any service at all. Click here to save your home Stay In Your Home.

Article Directory: EzineArticles http://ezinearticles.com

Hello, I am Fred Weaver and this is Kevin Kauffman. We're Group 46:10, one of the country's leading real estate businesses that specializes in short sale transactions. Are you in the midst of foreclosure, struggling to pay your mortgage or are underwater on your mortgage? If so, we encourage you to talk to us, Group 46:10, because we have the answers you need to alleviate some of your debt and help you out with your complicated financial situation.

Have you asked yourself recently, "I am in a position where I need to do something with my property and I need to short sell it, but can I do a short sale if I have multiple lenders on my home?" The answer to this question is absolutely; we actually get asked this question all the time. We have closed over 500 hundred short sales in the last few years and about 90% of the time the transactions we work on have more than one loan. There have even been times where a house has had three loans and some tax situations that we had to deal with. We can definitely help you if you have more than one loan on your home; we don't want you to think you can not do a short sale because you've got two loans and the value of your house does not even cover the first loan. Most of our short sale experiences are with situations such as this because of house values in the Phoenix market falling.

Please give us a call if you'd like more information or feel free to fill out the Getting Started form on our website and we will contact you as soon as possible. Group 46:10 can provide you with the customer service, knowledge and resources that you want to get out from your underwater mortgage and successfully short sell your home. Please contact us today so that we can start guiding you through the short sale process.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.