Columbus OH – Yes, short sales actually help
preserve home values in a neighborhood. Here is why.
Most people short sell their home while they are still living in the home. They
are maintaining the home, mowing the yard, keeping the air conditioning on,
etc.
Most bank owned properties are empty for 3-6 months, if not longer. No one
maintains the home during that time period. Empty homes are easy targets for
vandalism and thieves.
The grass and yard get overgrown. Pools deteriorate and the water turns green
with algae.
In some Southern States, such as Florida, if a home is not air conditioned
during the summer, then mold will grow on the walls inside.
In the Northern States, if a home is not heated during the winter, then pipes
can ice up and break causing a lot of plumbing damage.
Even things as simple as a sprinkler system can have problems when they aren’t
used for 3-6 months. A sprinkler system contractor recently told us that if the
system isn’t ran at least once a month, then it can have problems.
All these things added together cause bank owned homes to sell for much less
than a short sale. That is why you should be proud that you are short selling
your house.
You are doing a big part to help keep the housing market and your neighborhood.
In addition, you are helping the entire economy because the housing market is
such an important part of it. 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.
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.
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important
Notice
Rick & 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 Robin's personal views and do not reflect the
views of Coldwell Banker King Thompson.
This information on How A Columbus Short Sale Helps Preserve Neighborhood Values
is provided as a courtesy to our viewers to help them make informed decisions.
Columbus OH – The Stop foreclosure Institute
recently received a question from Susan about short sales. Here was Susan’s
Question.
“My home is scheduled to be going on the courthouse steps in about 2 months. I
had thought about short selling, but a friend told me I wouldn’t have enough
time to do it.
Because of that I didn’t pursue a short sale earlier. Recently I decided to
look into it further. It looks like a good option compared to foreclosure. My
question is this.
Do I have enough time to short sale my house, or is the foreclosure already too
far along? Please let me know. Sincerely, Susan.”
Here was our answer. Susan, we can still help you
with a short sale. Most lenders will postpone a foreclosure when a short sale
offer is in place. Yes, a short sale usually takes 2-6 months to process.
However, many lenders will postpone the sale while a short sale is in the
works. In addition, some short sales go faster than the normal 2-6 months.
If your lender owns your loan in house, then the decision maker will be easy to
reach. They can approve or deny the short sale in a matter of a week or two.
So, please let us help you. We have a good success rate even when the
foreclosure process has already been started. As you well know, a short sale
beats a foreclosure because you can buy another home much sooner. 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.
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important
Notice
Rick & 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 Robin's personal views and do not reflect the
views of Coldwell Banker King Thompson.
This information on Another Common Columbus Short Sale Myth: The Foreclosure
Process Goes So Fast That I Don’t Have Time To Short Sale is provided as a
courtesy to our viewers to help them make informed decisions.
Columbus
OH – If you have a foreclosure or short sale on your
credit report, then it will lower your credit score quickly. In the near term, the decrease will be much more than it
will be a few months down the road when it starts to inch its way back
up.
The credit reporting bureaus weigh the most recent activity more heavily than the distant past.
Taking
action now to build up the most recent activity is a great way to help
your score rebound. So for now, here are the things you should be doing
from this day forward to keep your score improving:
First,
keep your report clean and clear of NEW negative items.
This means that you need to pay on time, every time on open credit. You
must not have any new collection accounts or charge offs.
Don’t
try to open ANY new credit – this means new car loans,
or a Target charge card, or any new opportunity to open any other new
credit. Don’t do it.
After a foreclosure or a short sale, you
want anything that appears on your credit report to be spotless – that
the short sale or foreclosure was a blip on the radar, the past, out of
the ordinary for you.
Re-build your credit report
with favorable credit. Ask your bank if you can use a
secured Visa or MasterCard through them.
A secured Visa or
MasterCard is much like a debit card – you preload it with the amount
you want available. Unlike a debit card, a secured credit card will get
reported to the credit bureaus, and this will help to rebuild your
score.
Obviously, the best way to deal with bad credit scores is
to avoid it in the first place if possible. If you have a history that
needs a bit of polishing, hang in there.
Follow the steps that
I’ve written about, stay on track, you will be able to look back and
feel a sense of pride about your accomplishments. 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.
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This
information on Fixing Credit After A Columbus Short Sale Step 10:
Maintaining Good Credit is provided as a courtesy to our viewers to help
them make informed decisions.
Columbus
OH – The next step in your path to an improved credit score is to do
what they say on the shampoo bottles: Rinse and
Repeat.
In the Rinse and Repeat phase, you just keep working their system.
Here’s
what I mean: You send in a dispute, maybe disputing the
date that the account was opened, and the credit reporting bureau can’t
verify it, and they pull the whole listing off your report!
You
can’t keep submitting the same dispute reason over and over again to
the bureau – they will view you as a nuisance and will
dismiss your disputes as frivolous.
Also, don’t bombard these
folks with your disputes – you won’t get the desired results. But, you
can dispute information that needs to be verified. The
suggested order of ways to dispute are:
-Not my account
-I didn’t pay late that month
-That is the wrong amount
-That is the wrong account number
-That is the wrong original creditor
-That is the wrong charge-off date
-That is the wrong date for the last activity on the account
-That is the wrong balance
-That is the wrong credit limit
10. That is the wrong status of the account
11. That is the wrong highest amount I owed at any time (High Credit Amount)
You
can challenge the same listing on your credit report in the Rinse and
Repeat phase. The first time, you might say “not my
account” and the next time you would say “I was never late.”
You
just never know when you’ll find the dispute that gets the listing taken
off of your credit report. Send your dispute in, and let the 30 day
clock run.
But, like I said before – don’t bombard them
immediately after getting your results. Wait 60 days between disputes.
Keep excellent records of your efforts. Be persistent, be insistent, and
more than likely it will pay off. 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.
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This
information on Fixing Credit After A Columbus Short Sale Step 9: Rinse
& Repeat is provided as a courtesy to our viewers to help them make
informed decisions.
Columbus
OH – The next step in your credit repair process is a very important
one. This is the time where you check the results of your efforts so
far.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
The
credit bureaus have now sent you their results, including a new credit
report and a letter telling you what has changed on the report based on
your disputes.
Don’t just read what they sent and file it away! Make a copy of it, and have it ready to file.
Take
out your file that has the original copy of your credit report and put
it side by side with the new report. Take out your copy of the letter
you originally sent to the bureau that laid out all the things you were
disputing.
Go through and compare these disputes against their updated credit report.
Their
summary might say that an item was investigated but was verified, and
so it still shows on your credit report, and wasn’t removed. They won’t
say more than, “item verified.”
This could discourage you, but
what folks who’ve been down this road before you will tell you is that
no one called the original information provider to verify the item –
that they used that eOscar dataset to check it out.
If they “verified” something on your credit report which clearly isn’t yours:
-Call the toll-free number at the top of the report
-Tell
them your report reference number and ask for “the method of
verification per FCRA (Fair Credit Reporting Act) Section 611 (a)
(7).
-If they say they called the original creditor, ask them for the phone number of the original creditor.
-Call the original creditor and ask for the records yourself.
-If
they say the records are not available, call the credit reporting
agency back at their number from the results report and tell them that
the original creditor has no records, and that they need to open another
dispute – provide them with the name and number of the person you just
talked to at the original creditor.
This sounds like a lot of hassle, but it’s worth the extra effort.
On
the other hand – you might find in your new reporting from the credit
bureaus that the disputed item was investigated and the listing was
found to be inaccurate or unverifiable!
If this is the case, the
negative listing will either be deleted from your report all together or
it will go from being a negative to being a positive. This is great
news for you! 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, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This
information on Fixing Credit After A Columbus Short Sale Step 8:
Checking Your Results is provided as a courtesy to our viewers to help
them make informed decisions.
Columbus
OH – The next step in the process of getting a cleaned up
credit report, is the one that takes the least effort, but the most
patience: WAITING.
You’ve done your part to get the ball rolling, and now the credit reporting companies have to do their part.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com
What happens during this phase is that the credit reporting agencies have 30 days to investigate.
I
use the term loosely here because the methodology that they use is not
very investigatory. They take the claims and whittle the dispute down to
a 2 digit code that gets checked against a reporting database called
eOscar for verification.
They are afforded 30 days
to do this step, unless the person disputing has gotten
their credit report from annualcreditreport.com which allows them to
take 45 days to check out your dispute (remember back in an earlier step
where this was discussed – this isn’t the site to get your credit
from!.)
While you wait, remember that whatever your credit score
was before you began this process, you should be doing things now to
improve it.
What I mean by this is that while waiting for the
history part of your credit report to be cleaned up, you work on the
future of the credit report. Take action now to build a better
situation.
First, keep your report clean from this
moment forward. Don’t tarnish it beginning now. Do not
have a single late payment – pay your bills on time.
I know, it’s easier said than done, but it will be important in your future that you did this today. Don’t have any new collection accounts or charge offs.
Don’t,
REALLY don’t, get new inquiries on your credit report – this means
don’t open any new credit cards, store charge cards. No applying for
everything that sounds like a good idea.
Don’t
close any open credit cards. Pay off the credit card -
yes, but close out the account – no. Keep this length of history long on
your report.
And, just wait. The 30 days for the credit bureau
investigation will fly by. Once their 30 days is up, they have 5
additional days to provide you with their findings.
If anything
in their investigation was not verifiable, that item is required to be
removed from your credit report. They will also send you an updated
credit report.
So, watch for their letter to you in your mailbox after you complete the WAITING step. 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, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This
information on Fixing Credit After A Columbus Short Sale Step 7: The
Waiting Period is provided as a courtesy to our viewers to help them
make informed decisions.
Columbus OH – I mentioned in the last note that you’ll need to keep a
file of records about your credit restoration process.
This is an important part of the process, and deserves a
bit more than a brief mention.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
The credit reporting companies have 30 days (by law), to investigate and
handle the disputes submitted to them. This is why you submitted
everything through certified mail.
That enables you to record the time firmly for the credit reporting
firms to respond within. But it’s more than that. This file will become
important for a long time for you.
Many people successfully removed items from their credit
reports. Later on they found those same items show back up on their
credit report months in the future! Having a record of
your efforts and the results is needed to keep your record blemish free
in the future.
Make your records easy to follow. You will need to keep the original
copy of your credit reports here, as well as the copies where you’ve made
notes and comments.
Keep copies of the letters you send to the
credit reporting companies. Keep the Certified Mail slips. File any
correspondence that the credit reporting companies send to you.
Keep a journal in your file of any
telephone conversations you have with any of the creditors or credit
reporting companies. Record in this journal the names, dates, times, and
notes of these phone calls.
In addition, have a method to remind yourself of “action step dates” –
those dates where you expect to have a certain action done by the credit
reporting firms.
This can be a calendar you keep on the front of the file, or use Outlook’s calendar feature, or your calendar app on your phone.
This may seem like your credit report has become your new part time job,
but with a little bit of organization and perseverance, it will be
worth it! 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, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This information on Fixing Credit After A Columbus Short Sale Step 6:
Why It’s So Important To Document Everything is provided as a courtesy
to our viewers to help them make informed decisions.
Columbus OH – Once your strongly worded credit report dispute letters
are written to each of the three credit reporting companies, then it is
time to get it into the hands of their dispute department.
The goal is to get your letter read, taken seriously, and responded to.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
**Make sure you make a copy of whatever you are sending to
the credit bureaus.** Just keep all your credit reports,
letters, etc. in a file so you can use these later (this will be
important.)
Send your letter, a copy of the credit report with the items you are
disputing noted in Sharpie, and a copy of your driver’s license to each
of the credit reporting companies.
This step CAN be a bit tricky, even though it should be the easiest step
of all! Here’s why – the credit reporting firms don’t really like to
deal with these dispute letters, and they change their mailing address
for submitting these requests fairly often.
You will need to go to the website for Experian, Equifax, and Trans Union to get their dispute address.
BUT DO NOT SUBMIT YOUR DISPUTES ONLINE, like their
websites pushes you to do. If you do this, your request
is less likely to be taken seriously, and you won’t have any written
record of what you submitted.
Send each of your letters as Certified Mail. Your local post office will help you with this.
Put the copy of the certification slip into your file as well. The
certification slip ensures that you have a timeline started for
restoring your credit. 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, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This information on Fixing Credit After A Columbus Short Sale Step 5:
How To Mail The Letter is provided as a courtesy to our viewers to help
them make informed decisions.
Columbus OH – Using your work on the credit report, you are ready to
take action. You are now going to write a letter to the
credit bureaus about the items you’ve highlighted and
noted.
Click here to discover how other sellers successfully did a short sale and avoided foreclosure. http://columbusohshortsaleadvisors.com/
You are writing to the credit bureaus because they are the ones
reporting the information – it is up to them to change what they report.
The goal is to get bad things deleted from your credit report in order to improve your score.
Do not go to Google, or Bing and try to find a form letter! The credit reporting companies can spot
those like a hunting dog can spot a duck.
You will not get anywhere with a “canned” letter, and will
damage your chances of ever resolving issues.
Your letter should sound like you are frustrated (which you undoubtedly
are), and should sound authentic. But, do sound polite and friendly.
Don’t sound like an expert, but do sound like you expect action. In this
round of letters – your aim is to have the credit bureaus remove items
that are hurting your credit score.
The bureau will then have to investigate your dispute and REMOVE any of
the disputed items if they can’t prove them to be accurate (this
involves them contacting the original creditor and verifying with them –
all within the short 30 day window allowed by law).
Here is the basic outline to follow for your first round of letters you send:
At the TOP of the letter, put your name, SSN, current address (and state lived there for X years), and your DOB.
Say something about how you’ve just reviewed your credit report, and found items that are inaccurate.
List the items BRIEFLY. Say something like: “Chase Credit Card
xxx-xxx-xxxx, listed for 30 days late. I have never been late on this
account,” or “Citi Credit Card xxx xxxx xxx listed as collections. This
is false.”
Note that you are upset / worried / distressed / embarrassed about these
items, since you know they are negatively affecting your credit score.
Ask that these items be deleted from your report immediately.
Add Sincerely, and your name below. Sign the letter.
Include a photo copy of your driver’s license as proof that you are you
making this request. Also include proof if you have it (credit card
statement from the month where they say you were late when you weren’t.)
The next step is to submit this letter. 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, Robin Lemmons.
Rick & Robin Lemmons 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.
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.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & 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 Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This information on Fixing Credit After A Columbus Short Sale Step 4:
Writing The Credit Bureaus is provided as a courtesy to our viewers to
help them make informed decisions.
