Dignified Solutions to foreclosure.

Short Sales: Another thing that is dragging on the economy

Tue, 09 Nov 2010 15:27:55 GMT

Short Sales: Another thing that is dragging on the economy

- The Stop Foreclosure Institute received another testimonial from a seller. She said a lot of stuff and it refreshed my memory. The average person just doesn't realize how "going broke" makes people feel like trash. People start doubting themselves. They keep on kicking themselves down mentally. "Why did I buy that house?" "Why didn't I work harder at my job, so I wouldn't get laid off?" Why did I get laid off, and not Joe?", they say to themselves. "I am such a loser and I can't find a decent job anymore!"

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

They start thinking all of this stuff. Then, they start getting a lot of mean people calling the house. People such a bill collectors, debt collectors, and their mortgage company. All of these people use mean, threatening tactics to try and get them to pay. Then, they get in a fight with their spouse over money. It all adds up. They are emotionally beat. Sometimes they give up, without even realizing it. It's tough. Everyone kicks you while you are down. They stop taking risks. They stop looking for work. Or, they lack confidence and as a result don't get the job. Pretty soon they don't think they can contribute to the economy. It is a horrible cycle.

If you are experiencing this, don't give up. Things will turn around. No, I'm not just talking about the general economy. Yes, that will turn around. But, your personal economy will turn around, whether or not the general economy does. First, you have to get your confidence back. There are several ways you can do this. If you are unemployed, then get a new job. Any job will do, even if it isn't where you want to end up. If you are overqualified for the job, then you will look awesome there. But, it will make it much easier for you to get a new, better job elsewhere. Someone is much more likely to hire a person who has a job than someone who is unemployed. Pretty soon you will get your life back together. Yes, it will feel like a long time. It will be humiliating at time. But, if you just keep on pushing, then it will happen.

I have met so many people who have been hurt by this tough economy. All of them have gotten back on their feet eventually. Sure it wasn't fun. But, they did it and I'm sure you can to. Thinking about a short sale? I can help you short sale your property and never pay the bank another penny.

Send me an e-mail at Dennis@TheHearingGroup.net. I will contact you for a free consultation. When we talk, I will explain how the process works in detail. If you prefer, then you can call me at 954-648-4949. Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy.

Thanks for reading this,

Dennis Hearing.

Dennis is a Real Estate Agent at Keller Williams Realty Professionals. Phone: 954-648-4949. Dennis@TheHearingGroup.net.

Saving Homeowners From Foreclosure, ONE Homeowner At A Time!

View My homes for sale at www.RealEstate-FtLauderdale.com.

Short Sale Realtor. Short Sales. Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are hearing's personal views and do not reflect the views of Keller Williams Realty Professionals. This information on Short Sales: Another thing that is dragging on the economy is provided as a courtesy to our viewers to help them make informed decisions.

This Month in Real Estate - Ft Lauderdale and The U.S.

Mon, 08 Nov 2010 15:26:58 GMT

November 2010

Market Update

The housing market continues its gradual recovery without the aid of the tax credit. Sales are slower but growing. Although it will likely be uneven at times, slow growth is believed to be the trend moving forward. Interest rates hit a new historic low again, a major factor in helping keep mortgage payments incredibly affordable.

Extended periods of record low interest rates and further plans from the Federal Reserve Board to expedite recovery have some concerned about future inflation. One such investment guru, John Paulson, touted the benefits of owning real estate as a hedge against inflation on Forbes.com. “Your debt and interest payments get locked in at record lows, while the price of your home will rise … If you don’t own a home buy one … if you own one home, buy another one, and if you own two homes, buy a third and lend your relatives the money to buy a home.”

This march back up continues to provide excellent opportunities: an ample selection of homes, affordable prices, and historically low interest rates. Experts anticipate both the economy and the housing market will continue their paths on the way to a complete recovery.

Home Sales

Home sales continued to rebound in September, increasing 10% compared to the previous month. This builds on August’s gain of 7.6% that followed a large drop caused by the expiration of the federal tax credit in July. Sales are expected to gradually grow as the market moves toward recovery without government stimulus. The recent foreclosure moratorium has opened up opportunities for short sales. Although it could make the near-term “choppy at times,” industry experts expect the overall trend to continue growing slowly.

Home Price

After four months of prices remaining on par with year-ago levels, September showed a slight decline. Last September distressed properties were 29% of all home sales; this September that number rose to 35%. The larger proportion of distressed sales, which are typically discounted, helps to explain the decline. While these discounted sales provide opportunities for buyers, sellers look forward to the general trending upward of home price.

Inventory

There are fewer homes on the market again in September, representing 10.7 months of inventory. While still at a relatively high level, months of inventory shrank by nearly a month in September from August’s 11.6 and nearly two months since the 12.5-month supply in July. This continues to represent an excellent opportunity for buyers and investors who have not yet taken advantage of the abundant opportunities of the market including record low rates, an ample but shrinking selection of homes, and highly affordable prices.

Affordability

Housing remains at near-record affordability levels, and prospective home buyers stand to benefit from the lowest mortgage rates in decades, as well as advantageous home prices. Housing is approximately 60% more affordable now than during the height of the market.

Source: National Association of Realtors

Interest Rates

Mortgage rates once again set new record lows in early October to 4.19% and remained below 4.3% throughout the month. These historically low rates contributed to real savings for buyers. Furthermore, the longer the buyer owns the home, the greater the savings they will realize. As economic activity gains momentum, rates will rise to keep inflation at an acceptable level.

Rates as of November 4 .

This Month's Video

Topics For Home Owners, Buyers & Sellers

Prime Time to Buy

7 Reasons Why Now Is a Great Time to Buy a Home

Recent history has reframed some of what had long been taken for granted about buying a home. Namely, we’ve learned that even though buying a home remains one of the best and safest investments available, a home should not function as an ATM or a short-term speculation strategy. So, where does that leave us? A lot smarter, able to recognize an opportunity when we see one, and aware of the facts that point to now as the prime time to buy a home.

Home affordability is at an all-time high. The median mortgage payment on the median-priced home, as a percentage of the median household income, is lower than it’s been in a generation.
Mortgage rates are at rock bottom. It’s hard to imagine interest rates going much lower, and when they start to inch back upward, monthly payments and total loan costs will spike upward.
Home prices are back on the rise. After declining for 30 months, home prices are trending back upward. The time to get in the market is now.
Sellers are motivated. This means that buyers have the upper hand. Sellers are fiercely competing among an excess of housing inventory, which often means buyers have untold choices and negotiating power.
Financing is readily available. Banks are back in the game and ready to lend to well-qualified buyers.
Owning vs. renting is increasingly favorable. Since 2009, the average principal and interest payment has fallen below the average rental rates, and the gap is now wider than it’s been in the past 22 years.
Homeownership is still at the core of the American Dream. Owning a home is critical to financial stability and wealth building. It’s a forced savings account, a place to live, and a fabulous tax deduction.

For more detail, check out Keller Williams Realty’s 7 Reasons Why Now Is a Great Time to Buy a Home! and The Wall Street Journal’s 10 Reasons to Buy a Home.

Sources: The Wall Street Journal, Inman News, KW Research

Contact me,

your local real estate expert,

for information about what's going on in our area.

Brought to you by KW Research. For additional graphs and details, please see the This Month in Real Estate PowerPoint Report.

The opinions expressed in This Month in Real Estate are intended to supplement opinions on real estate expressed by local and national media, local real estate agents and other expert sources. You should not treat any opinion expressed on This Month in Real Estate as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Keller Williams Realty, Inc., does not guarantee and is not responsible for the accuracy or completeness of information, and provides said information without warranties of any kind. All information presented herein is intended and should be used for educational purposes only. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. All investments involve some degree of risk. Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on information contained in This Month in Real Estate.

About Your Choice for A Short Sale Listing Agent In Ft Lauderdale

Mon, 08 Nov 2010 13:45:15 GMT

The Hearing Group at Keller Williams Realty Professionals of Ft Lauderdale is a Professional Real Estate Practice. We are a team of trained and experienced Realtors providing expert representation in real estate transactions, buyers and or sellers.

We are local Realtors residing in Ft Lauderdale doing business in all of Broward County, Dade County and Palm Beach County, for years.

The Hearing Group takes great pride in education as the foundation...we learn before we earn.

We are Certified Distressed Property Experts - CDPE, Certified Short Sale Agents - CSSA, Graduate of Realtors Institute - GRI, (see below for more...). The point is... we did more than just pass a FL Real Estate exam and get a Florida Real Estate license.

The Hearing Group at Keller Williams Realty Professional of Ft Lauderdale is a Professional Real Estate Practice and as such intense continuing education for the betterment of the client is tantamount.

We are also internet marketing experts and a professional photographer, a combination that I feel is necessary in providing home sellers proper exposure and representation of their home to the marketplace. I think Donald Trump says it best: "You can have the best product in the world...but if no one knows about it..."

For sellers of real estate we feel that mutiple photos, virtual tours and video tours are just some basic tools necessary to make your home more competitive.

Additionally, our association in NAR - National Association of Realtors, FAR - Florida Association of Realtors, RAGFL - Realtor Association of Greater Ft Lauderdale, MAR - Miami Association of Realtors (which is one of the largest local boards in the country), Realtor.com enhanced listings, WorldProperties.com for maximum international exposure and multi language translation of property information, ILHM - The Institute for Luxury Home Marketing, MLS Advantage Florida ( a membership organization providing buyers access to search virtually the whole state of Florida Real Estate database of properties - http://goo.gl/WPqdf ).

The Hearing Group is centrally located near downtown Ft Lauderdale, providing us the ability to easily and efficiently represent buyers and seller in cities beyond Ft Lauderdale including but not limited to: Aventura, Sunny Isles, Hallandale, Hollywood, Miramar, Davie, Dania, Pembroke Pines, Weston, Bonaventure, Southwest Ranches, Sunshine Ranches, Coral Springs, Coconut Creek, Parkland, Tamarac, North Lauderdale, Pompano Beach, Lighthouse Point, Boca Raton, Deerfied Beach, Lauderdale By The Sea, Galt Ocean Mile, Coral Ridge, Sunrise, Plantation, Victoria Park, Wilton Manors, Oakland Park, Lazy Lake, Cooper City (for searching properties for sale we have put together a high powered real estate search engine at www.Dennis.RealEstate-FtLauderdale.com which allows searchability acroos the counties.)

The Hearing Group at Keller Williams Realty Professionals Ft Lauderdale would like to thank you in advance for the opportunity to serve and assist you in your next real estate transaction.

Statistics show that in this troubled economy you know someone that is behind on their mortgage, share the valuable website www.CallTheShortSaleExpert.com with them for answers many of the questions they may have relating to options to stop foreclosure, such as deed in lieu, bancruptcy, loan modification, short sale and more.

Sincerely,

Dennis Hearing, PA, GRI, CSSA, CDPE

The Hearing Group at Keller Williams Realty Ft Lauderdale

A Professional Real Estate Practice

Cell 954-648-4949 Toll Free 1-866-582-7775 ext3

Bankruptcy may NOT be needed.

Sat, 28 Aug 2010 17:06:07 GMT

With more than one in seven mortgages currently not being paid, the financial crisis is affecting millions of homeowners across the country. Some are considering bankruptcy as an option to foreclosure, but there may be options to avoid both. Conducting a short sale can alleviate the stress of an unaffordable mortgage and provide breathing room to restructure finances.

As a CDPE-designated agent, I have specialized training in the financial hardships homeowners are facing today. I've created a free report to provide information on your options and answer questions you may have. To download this report, visit my website:

http://www.Dignified-Solutions.INFO

I am providing this information free of charge, because not having it could come at a great price.

I'm here to help, so don't hesitate to contact me.

Dennis Hearing, CDPE
The Hearing Group at Keller Williams Realty
954-648-4949

We have been trained to properly handle short sale listings. Interviews welcome.
The agent listed herein is a professional and an expert., however, the agent not guarantee success.

Sincerely,

Dennis Hearing, CDPE

The Hearing Group at Keller Williams Realty

A Professional Real Estate Practice

Cell: 954-648-4949

All conversations are confidential.

Short Sale V Deed In Lieu of Foreclosure

Fri, 22 Jan 2010 15:22:57 GMT

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Who cares?! I'll let go back to the bank!

Tue, 10 Nov 2009 16:54:27 GMT

Who cares?! I'll let go back to the bank!

It is true - over 80% of ALL foreclosed properties have NEVER been listed on the market.

Simply allowing the property "to go back to the bank" should not be your choice. Cooperating with the bank to achieve a short sale is as close to a win-win as can be salvaged from the situation. Did you know that in most cases you can be a buyer again in about 2 years? As tragic as the threat of foreclosure may seem, all is not lost forever. This situation can be viewed as a speed bump, a temporary setback, something that can be overcome.

Unless you have already recieved a Lis Pendens or foreclosure notice you are still invisible to me. I can't seek you out and offer to help until the Lis Pendens gets filed with the County. And then, you will be getting SO MANY offers to 'help' sent in the mail you won't open anything. So, you need to make the call. Let's talk about it.

Dennis, 954-648-4949

The Truth About Mortgage Modifications

Wed, 04 Nov 2009 05:52:47 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Dennis Hearing
954-648-4949

7 Short Sale Myths

Wed, 04 Nov 2009 05:52:47 GMT

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Dennis Hearing
954-648-4949

Foreclosure Vs. Short Sale

Wed, 04 Nov 2009 05:52:47 GMT

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Dennis Hearing 954-648-4949

Options and Solutions

Wed, 04 Nov 2009 05:52:47 GMT

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Short Sale & Deed-In-Lieu

Let me help you evaluate your options and get you back on track to a secure financial future.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!