Do You Have A Trustee Sale Date In Your Future?

Hi I’m Saul Carter with Others Realty in Modesto. If you are having trouble making your mortgage payment or if you’re underwater on your home loan, please talk to me. I can offer you the education and services you want to avoid foreclosure.

I wanted to talk to you today about trustee sale dates. Some of the lenders have actually gotten a little bit harder to work with on these. A trustee sale date is really the foreclosure date or the day the bank will go on the courthouse steps and attempt to sell your house. I’ve recently talked to some customers that have attempted to change their trustee sale dates; although I have gotten lots of trustee sale dates postponed, if you have one, I need you to contact me immediately. I will do anything that I can to help you, however my chances of actually being able to get that fixed for you decrease the longer you wait to call me.

In doing business with some servicers, such as Fannie Mae, they have actually told me that they will not put off the trustee sale date for any home they don’t have a short sale approval letter for. I have gotten past that barricade with them, but it takes a lot of effort and you have to know exactly what you’re doing and who to talk to.

If you have a trustee sale or you have missed more than a few payments and you think you might have to do a short sale, call me now because putting it off is way too risky. Once you have that trustee sale date, the odds of actually getting a short sale completed go way down. It doesn’t mean that doing a short sale isn’t possible, however, you need to contact me immediately. Please either give me a call or fill out the “Getting Started” form on our website. Others Realty can help you short sell your house, so please contact us today.

For more information on short sales and how to avoid foreclosure, visit the Modesto Short Sale blog or you can also contact the Saul Carter team and get started today.

When is a Good Time to Update Your Documents with the Bank?

Hey, I’m Saul Carter with Others Realty, Modesto’s main short sale team. I wanted to speak at this time about updating your documents. While you’re in a short sale, there may be the short sale package which is bank statements, financial statements, pay stubs, taxes, and all that stuff. Well as we go through the transaction, we have gotten an offer; we’ve sent off the short sale package, the financial institution is going to ask for updated documents. I’ve actually had some clients recently who’ve asked how things have been going, and I’ve needed to inform them I have been waiting for documents from them for 2 weeks now. I remind them that I’ve sent several emails. Well, issues get placed on hold if you are asked by the bank for paperwork and you don’t provide them.

It is essential, and one of many things I always have my sellers sign is a seller’s expectations document. It outlines the short sale process and the entire things that are required of them. I take it seriously. I would like them to be just as concerned as I am to get this completed for them. Irrespective of you try to help any individual, if they don’t seem to be concerned it is not going to happen. Mainly if there have been any short sales that I haven’t gotten authorized; I can particularly point to sellers not being engaged in why that happens.

Anyways, here’s to doing real estate the Others’ way where we are Modesto’s main short sale team. If you happen to do have any documents to get to me, get them to me and we’ll get your short sale done. When you have another questions, please give me a ring or fill out the getting started form here on the website. I hope to talk to you soon. Thanks, bye.

For more information on short sales and how to avoid foreclosure, visit the Modesto Short Sale blog or you can also contact the Saul Carter team and get started today.

What’s a Do not Call Letter and How Can it Assist Me?

Hey, I am Saul Carter right here with Others Realty, considered one of Modesto’s leading short sale teams. I wanted to speak at this time about a don’t call letter or a stop communication letter. Principally that’s a letter by the fair credit reporting act that should you notify the financial institution in writing that you do not need them to contact you, they aren’t allowed to contact you by law. Now the stipulation is they have to have the ability to contact any person, so as soon as we’ve the third party authorization then you possibly can go ahead and send the don’t call letter.

It is a kind of things that quite a lot of my sellers really respect because once they do a short sale with me and I send off the don’t call letter or the stop communication letter then they don’t get calls in the evenings. Sometimes it takes the financial institution a little while to figure it out, like I’ve sent it in but they haven’t informed the precise department, however we’ll get them taken care of.

Finding out a strategy to cease these calls is likely one of the things that plenty of my sellers really appreciate. Anyway, here’s to doing real estate the Others way. Give us a call if in case you have extra questions on that or if you happen to just need them to stop calling you, we can help you there too. Even in case you don’t care if it goes to foreclosure, however you simply want them to stop calling, give us a call we may help you out. That is likely to be worth it in and of itself right there. So, fill out the getting started form and we’ll get you taken care of right away. Once more, I am Saul Carter with Others realty, on of Modesto’s main short sale teams. Thanks lots and I’ll speak to you soon.

For more information on short sales and how to avoid foreclosure, visit the Modesto Short Sale blog or you can also contact the Saul Carter team and get started today.

Does Your Realtor Have A Loan Modification Waiver In Their Short Sale Package?

Hello, I am Saul Carter with Others Realty. I am one of the leading short sale specialists in the Modesto area. If you’re dealing with a difficult financial situation and are facing foreclosure, I can provide you with education and knowledge as well as show you some alternative options to foreclosure, such as short selling your property.

I would like to chat with you today about a certain paper that does not show up in everyone’s short sale package, but that I do have as part of mine. It is something called a loan modification waiver, and I would suppose that over time most realtors will start to have them in their short sale packages. The loan modification waiver is a document that says you have considered doing a loan modification and it’s either not in your best interest or you do not want to do a loan modification anymore.

When we’re doing business together to short sell your home, this paper works to our benefit and puts your declination of doing a loan modification in writing for when I send your short sale application into the lender. It also ensures that the short sale package goes to the right department at the lender; I’ve had situations in which there has been some confusion with the lender when this paper isn’t included in the short sale package and they believe that I am actually applying for a loan modification instead of applying for a short sale. I have included this loan modification waiver document to avoid this type of mix-up in the future; this also helps if you have been doing a loan modification and notifies the bank in writing that you do not want to proceed with the loan modification any longer and are going to do a short sale. If you have any more questions, please call us or fill out the “Getting Started” form on our website; we can assist you with your particular situation or answer any questions you might have regarding short sales.

For more information on short sales and how to avoid foreclosure, visit the Modesto Short Sale blog or you can also contact the Saul Carter team and get started today.

What to do With All the Paperwork Despatched to You from the Financial institution

Hey, I’m Saul Carter right here with Others Realty where we are Modesto’s leading short sale team. I wished to speak to you at this time about filling out the paperwork the bank sends you. I speak to a lot of sellers which have already obtained one thing from the bank and they have filled out as much as they could and despatched it off to the financial institution in hopes to attempt to get things moving. It is not efficient, don’t do it, speak to someone who has achieved a large number of short sales before sending that paperwork off.

Typically the paperwork is already oriented to being in escrow or already having a purchaser so that you need information that will be on a HUD statement. The other a part of it is they ask you all types of crazy intrusive questions that we do not even answer after we fill out our regular short sale package. They’re just asking you to over disclose about everything they need to know. Remember this entire thing; whether or not it is a short sale or foreclosures, they’re all actions trying to get cash out of you.

So in case you maintain that mindset and employ an professional like me at Others Realty, to guide you thru this, we are going to get you taken care of and we won’t over disclose it to the financial institution and we will get this executed with as minimal amount of stress on you as possible.

When you’ve got more questions about that, be happy to give us a call or fill out the getting started form and we’ll do that together. It’s so much less nerve-racking when you will have somebody who has executed it before holding you underneath their wing. So, this is to doing real estate the Others way, where we are Modesto’s main short sale team. I will speak to you soon, thanks.

For more information on short sales and how to avoid foreclosure, visit the Modesto Short Sale blog or you can also contact the Saul Carter team and get started today.