Columbus OH – When I interview sellers who want
to short sale in my area, I ask them to describe their
hardship.
Agents who do a lot of short sales can sometimes become a little insensitive
because we are focused on the statistics. For instance, when a seller says she
is getting divorced, it's possible that I may not show a lot of
emotion.
Click
here to discover how other sellers successfully did a short sale and avoided
foreclosure. http://columbusohshortsaleadvisors.com/
Then I realize how that comes across, which is not at all in the way I intended
it. Trying to do a short sale or loan mod because of relationship difficulties
is acceptable to most bank guidelines.
It's not good news that the you and your spouse are splitting up. But, it is
important for your lender to know. In your hardship letter, you want to explain
3 things:
1. How you got into your present situation - If
for example you have missed mortgage payments state what caused this to
happen. Was it due to job loss? Medical or some kind of family
emergency? You need to be sure that the dates of the missed payments
correspond to the circumstance that caused you to not make your mortgage
payments. Use dates to references the times in which hardships happened
to you.
2. What you have done to try to get out this
situation – state the activities that you have undertaken to try
and change your current situation.
3. Why this situation is permanent - and nothing you
can do will change it.
Try to incorporate those three things into your hardship letter. It will make
your situation look more sympathetic. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an
e-mail at robin.lemmons@kingthompson.com.
I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any
questions you may have. Or, if you prefer, you can call me at 614-741-2495.
Discover how other sellers successfully completed a short sale and request a
free consultation by clicking
here. http://columbusohshortsaleadvisors.com/
Thinking about a loan modification? Our Columbus loan modification kit has the
instructions you will need to get a loan modification approved with your bank.
Click
here to request a copy. http://columbusohshortsaleadvisors.com/
Thanks for reading this, Rick and Robin Lemmons.
Rick and Robin is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495.
Email: robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Rick & Robin Lemmons specialize in helping Columbus Homeowners short sale
and never pay the bank another penny. Columbus Loan Modification Help, Columbus
Short Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor. Columbus
OH Short Sales. Columbus Realtor. Columbus OH Short Sales. Columbus Realtor.
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Important Notice
Rick and Robin Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the government.
Our services have not been reviewed or endorsed by the government or your
lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to
help you on a short sale, your lender may not agree to a short sale or to
modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else
in life. It takes work and persistence to convince your lender to modify your
loan. No matter what you or we do, your lender may not approve a loan
modification.
We do not recommend that you stop paying your mortgage, because this will cause
damage to your credit and could cause you to lose your home. Because we know
avoiding foreclosure is so important to any homeowner, we recommend that you
speak with the appropriate legal or tax advisor before making any decision.
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.
You have the option to reject a short sale or loan modification from your
lender if it does not meet your approval. If you decide not to go thru with the
short sale, then you do not have to pay us our fee. We normally make a real
estate sales commission for helping you on a short sale.
The views expressed here are Rick and Robin's personal views and do not reflect
the views of Coldwell Banker King Thompson.
This information on Columbus Short Sales: The Basics Behind a Hardship Letter
is provided as a courtesy to our viewers to help them make informed decisions.
We will assist you how to save your home from foreclosure. We are well prepared in all the strategies available to stop you from losing your home. We help people all over Ohio in bankruptcy proceedings that include foreclosure prevention. We can stop foreclosure/auction /eviction by administrative and judicial intervention and arrange loan modification by forceful intervention by administrative and judicial method. We can help when others failed, so compare and evaluate our services with others. No upfront costs and you pay on success. Contact us today: http://www.adiinfotech.com
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