Your Denver Real Estate Advocate: 2011

Friday, December 30, 2011

Stop Foreclosure: How Does A HELOC Impact A Denver Short Sale?

Denver,CO – Understanding what a HELOC is will assist your real estate Advocate, in negotiating the short sale approval in a proper manner.

What is a HELOC? Home Equity Line of Credit!! Which means it is NOT like your normal "home loan". In fact, it is not under the same guidelines or regulations as a home loan. It is treated just like a credit card with collateral!!

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

If this is not properly understood, it may cause the short sale to NOT be approved if you are not negotiating with the 1st lien holder knowing what the HELOC will accept for a short pay-off.

Review the video, below!

Learn how to negotiate the HELOC and discover what may have to been done to get this short sale approved, and the consequences to the Seller!

Thinking about a loan modification?Our Westminster loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Request your FREE copy, below!

Thanks for reading this, Dan Hopper.

View My homes for sale at www.danhopper.com.

Dan Hopper specializes in loan modification assistance and short sales in Denver, Colorado. Denver Loan Modification Help, Denver Short Sales. Denver Realtor. Westminster, CO Loan Modification Help, Westminster, CO Short Sales, and Westminster Realtor.

For related blog / video blogs, click on the links, below!!

http://denverloanmodhelp.com/?p=329

www.youtube.com/user/denverloanmodhelp

www.youtube.com/user/yourhomesellshere

FOLLOW DAN HERE:

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Foreclosure:How Does A HELOC Impact A Denver Short Sale?, is provided as a courtesy to our viewers to help them make informed decisions.

Sunday, December 25, 2011

MERRY CHRISTMAS FROM COLORADO!

WISHING YOU ALL A VERY MERRY CHRISTMAS AND A VERY BLESSED AND PROSPEROUS NEW YEAR!

Dan Hopper, RE/MAX Alliance in Westminster, Colorado!

View My homes for sale at www.danhopper.com.

Dan Hopper specializes in loan modification assistance and short sales in Denver, Colorado. Denver Loan Modification Help, Denver Short Sales. Denver Realtor. Westminster, CO Loan Modification Help, Westminster, CO Short Sales, and Westminster Realtor.

For related blog / video blogs, click on the links, below!!

http://denverloanmodhelp.com/?p=329

www.youtube.com/user/denverloanmodhelp

www.youtube.com/user/yourhomesellshere

FOLLOW DAN HERE:

Wednesday, December 21, 2011

Stop Forelcosure: Not All Short Sales Should Have Promissory Notes to Succeed!

Denver, CO – There are numerous stories of how the Seller of a short sale got stuck with a promissory note on the deficiency or a part thereof!

Having the right Short Sale Broker can help determine when it becomes necessary and when it should NOT be allowed, to reach a successful short pay-off approval without deficiency recourse. This does NOT happen all the time, but an experienced Realtor will know the ins and outs of it!

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here is a good example of this happening. A real estate agent had a short sale with one of the largest lenders in America. The short sale negotiator said that they would not approve the short sale unless the seller came to closing with 50k cash. The sellers said no way.

Fortunately, the agent knew that Fannie Mae owned their loan. The good news for the seller is that Fannie Mae does not ask for promissory notes or pursue deficiencies. (There are a couple exceptions, but they didn't apply here.) If those are Fannie Mae's Guidelines, then why would the short sale negotiator require the seller to bring 50k to closing?

Turns out the negotiator was not following Fannie Mae's Short Sale Guidelines. The agent contacted Fannie Mae directly. Within 72 hours a supervisor called from the short sale department. This time they were singing a different tune.

The sale was approved and the promissory note waived. The seller got to walk away owing zero. Why do things like these happen? Because, in our opinion, there is little oversight over the short sale process. Nothing happens when a short sale gets rejected and sells for less as a bank owned property. No, don't kid yourself, this happens a lot.

These short sale negotiators develop an adversarial mindset. They probably even get paid bonuses based on how much money they squeeze out of short sale sellers. This causes their ego to get in the way of what is best for the owner of the loan. If you are thinking about short selling your home, make sure your agent knows how to research who the owner of your loan is. That info will allow them to negotiate from a position of power. And it will help you avoid a deficiency or promissory note.

Thinking about a loan modification?Our Westminster loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Request your FREE copy, below!

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Forelcosure: Not All Short Sales Should Have Promissory Notes to Succeed!, is provided as a courtesy to our viewers to help them make informed decisions.

Tuesday, December 20, 2011

Stop Foreclosure: What To Ask, Before Hiring a Denver Short Sale Broker!

Denver, CO – The right agent can make the difference between success and failure on your short sale. You risk losing a lot when your agent doesn’t understand short sales or does not have a short sale team in place to assist the process!

Do not wait when your time to foreclose is near before discovering if the short sale broker is experienced or not in short sales.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here are the questions I would ask an agent before hiring them.
Question #1: How many short sales have you listed and sold in the past 6 months? This is important because you want an agent who is up to date on all the potential issues. They should understand the short sale process from start to finish.

Question #2: In the past, what lenders have you negotiated short sales with? It is helpful when the agent you are interviewing has already done short sales with your lender. You know that they will already be familiar with your lender’s policies and procedures.

At a minimum, you should look for an agent with experience with Bank of America, Wells Fargo, and Chase. These are the most common short sale lenders.

Question #3: What can you tell me about my lender and how they work? A knowledgeable and experienced agent will usually know the specifics about your lender. They will be able to tell you what to expect in the process. They will know upfront if the lender is likely to ask for a promissory note or deficiency.

Question #4: What is your track record for success and failure on short sales you have handled in the past? Look at the agent’s track record. If they are hard working and diligent, then they will have a strong track record. That is good news for you.

Thinking about a loan modification?Our Westminster loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Request your FREE copy, below!

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Foreclosure: What To Ask, Before Hiring a Denver Short Sale Broker!, is provided as a courtesy to our viewers to help them make informed decisions.

Monday, December 19, 2011

Stop Foreclosure: How Does Short Sales in Denver Fit In?

Denver, CO – If you caught the show 60 Minutes on December 18th you may have been brought up to date with how dim the housing markets may be in many geographical areas, and yours might be affected, as well.

It’s not so much that houses aren’t necessarily selling or that buyers aren’t looking; but, instead they brought to our attention an alarming statistic.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

The statistic being that 25% of American homeowners today owe more on their homes at this moment than their homes will be worth in future years to come.

To prove their point they went to Cleveland, Ohio and showed how many homes were literally being torn down by the cities / government because so many home owners literally have completely walked away and leaving them abandoned. Thus, causing many undesirables to occupy or strip the homes of materials.

They also showed some situations where the homeowners were a little more intense about the fact that they absolutely would do everything possible to not be one of those statistics. The reality was that one woman they showed owed over $100k on a home that was valued at $50k or less. The value of her home was quickly declining as more and more of her neighbors simply moved away from the places that had once been their dream homes.

Even the banks, have decided to walk from some of these homes in Cleveland, OH!

Sadly becoming a typical scenario more and more so throughout American, including some isolated areas of Denver, CO. Fortunately, the majority of neighborhoods in Denver and the surrounding cities have seen a slight increase in their market. Yet, we still know that it will be years before the depressed market cleans itself up!

These aren’t “slum areas” or low-income areas we are seeing declining. We are watching many high-end and middle-classed homeowners being faced with the situation of owing so much on their home it’s just seems more financially sound to give up and walk away. But there are other options and, if you are guided by the right Realtor, you can end up walking away without

(A) damaging you neighborhood with abandoned homes which becomes a domino effect;

(B) completely ruining your financial record; and

(C) being able to hold your head high while “doing it the right way”. We are talking a Short Sale.

But is a short sale something you should think about in the Denver area and who do you turn to? The answer is yes, a Denver short sale can work for you with the right guidance and we can help.

Why should you turn to a realtor to help you in these times of need? The answer, quite simply, is that lenders tend to work better with an agent and an agent that specializes in short sales and foreclosures is like using the professional tools you need to get your car back on a road. Most people wouldn’t overhaul their own engine, even with a great “How To” book to guide you; so why would you attempt to negotiate with a lender who probably hasn’t been very cooperative with you up to this date as it is?

Working with a professional, experienced agent can help you save your credit and keep your pride intact. Short sales can often be the best answer for many people who are simply too far behind and owing so much that it’s like digging a tunnel with a spoon. We’re here to help with making a decision on your Denver, CO short sale. We can answer the questions you may have and guide you in the right directions with our many years of experience. It may be time to give us a call.

Thinking about a loan modification?Our Westminster loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Request your FREE copy, below!

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Foreclosure: How Does Short Sales in Denver Fit In? , is provided as a courtesy to our viewers to help them make informed decisions.

Saturday, December 17, 2011

Stop Foreclosure: Some Techiniques May Improve the Short Sale Process!

Denver, CO – Over the last 11 years of working short pay-offs with the banks, we have learned little techniques that may assist the early stages of the short sale process.

Once, the focus on short sales has escalated, the banks have been caught off guard with HOW to deal with the high influx of short pay-offs. Trying to get a "satisfying answer" to our client's concerns, could be an all day event, to just start the process of a short sale with the lender servicing the loan.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

We have learned that you may not always get satisfaction to your client's needs when talking to the first person, customer service rep, at the lender. There have been times that we would just hang up, and try to catch another person that would provide the answer we needed.

In some cases, we would actually catch another customer service rep that would provide us the information we were seeking!

Now, these were not always the FINAL answers, like a short sale approval, but just to start the process and get the right and necessary information to work a short sale. The customer service reps were NOT always on the same page. (Big surprise!)

As an example, of trying to change his account info with a phone company. The first person tells us, we need to print and sign a form. Then, we must have it notarized and mailed to the company.
The company will then change the account information. Do we willingly go along with her? No.
Instead, we hung up the phone, called in again, and talked to another rep. In just a few minutes that rep had changed the information in the computer system. Goal accomplished.

We will use this same strategy when we start to negotiate your short sale. If the first person won't give us what we want, then we will ask someone else. Now, this can't be used in all stages of the short sale. Once, they have assigned the negotiator, we are pretty much stuck with that person and their supervisor.

But, it can be used to increase our odds of success. Remember, our goal is to help you wipe out the upside down debt, get rid of any tax liability, and keep your credit intact. We might even be able to get you a $3,000 short sale incentive from your lender.

Thinking about a loan modification?Our Westminster loan modification guide will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Request your FREE copy, below!

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Foreclosure: Some Techiniques May Improve the Short Sale Process!, is provided as a courtesy to our viewers to help them make informed decisions.

Friday, December 16, 2011

Stop Foreclosure: How Much Debt Can I Erase With A Denver Short Sale?

Denver, CO – We often get asked that question. Some people think that since they are walking away from a large upside down mortgage, then the bank won’t approve it.
That usually isn’t true. I wanted to put together a few examples of people the Stop Foreclosure Institute has helped with a short sale.
Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.
That way you can get a good idea of exactly how much debt you can erase with a short sale. Check out some of the examples below.

: $79,000 In Upside Down Debt Erased thru a short sale.

: $427,000 In Upside Down Debt Erased thru a short sale.

: $103,000 In Upside Down Debt Erased thru a short sale.

: $76,000 In Upside Down Debt Erased thru a short sale.

: $187,000 In Upside Down Debt Erased thru a short sale.

: $69,000 In Upside Down Debt Erased thru a short sale.

Thinking about a Denver Short Sale?
I can help you

Thursday, December 15, 2011

Denver Real Estate: How Can I Get My Vacant Home to Sell Faster?

Denver, CO – Selling a home is part financial, part logic, and a lot of emotion. Everyone knows that feeling when you walk into the home that’s “the one”; you get that breath taking feeling, the butterflies in the belly and that instant view of your family sitting on that couch in front of the fireplace on a cool fall evening.

Those are all emotional aspects and selling a home is definitely based upon the emotions of the buyer.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

When you’re selling a home you have to appeal to the emotions of the potential buyer as well as their financial desires. If your home has absolutely no furniture in it you may find that the potential buyer spends more time on trivial things like chipped paint, spots on the carpet and cracks in the plaster. They notice unmatched patches from where paintings were and the way the carpet is more worn in one area than in others. These trivial things are things that, if there were furniture in the home to distract their attention a bit, they probably wouldn’t even notice; but without furniture they stand out quickly.

Of course obvious problems like a huge crack down a wall is going to be noticed with or without furniture; but if you have all of the paintings and decorations hanging on the walls when they’re looking they’re going to see the style and accents of the home instead of the outline of where the paintings were. They won’t be seeing where the walls are faded and thinking ‘this room definitely needs painted’ and adding it to the check list of work they’ll need to do to make this their perfect home.

If you have a couch and chair they’re not going to notice where the wearing of the rug may be as it’s pretty rare buyers will pull furniture out to look under and behind it. Those small paint chips at the baseboards from typical wear and tear aren’t going to be as noticeable. They’ll be busy seeing how well you fit in an entire dining room set along with a large china cabinet and a small accent table into the dining room, realizing how big it is as opposed to seeing it appear smaller and wondering if it will fit their entire dining set.

To a buyer looking at an empty room they see ‘work that needs to be done on the home’ and ‘uncared for little things’ as opposed to when they move into it seeing the house empty for the first time when they’d call these same issues a few simple fixes for the “Honey Do List”.

A room filled with furniture is much more “homey” and inviting than an empty, voice echoing house. It’s so much easier to find warm feelings and a welcoming atmosphere in a house that feels lived in with furniture and some personal surroundings.

Many people actually rent furniture; staging their home to make it look lived in. Doing this puts more emphasis on the coziness of the home as opposed to the little imperfections. It’s a proven fact that a home will sell faster when it feels inviting and lived in, so it may be worth raiding your family room and doing without a few seats or renting a few rooms of furniture for a month while you have Open Houses and are trying to sell your home.

You want the potential buyers to easily picture their family in your home, so making sure your house is staged to look lived in. Give the potential buyers an old fashioned, welcome home feeling the minute they walk in.

Thanks for reading this, Dan Hopper.

View My homes for sale at www.danhopper.com.

Dan Hopper specializes in loan modification assistance and short sales in Denver, Colorado. Denver Loan Modification Help, Denver Short Sales. Denver Realtor. Westminster, CO Loan Modification Help, Westminster, CO Short Sales, and Westminster Realtor.

For related blog / video blogs, click on the links, below!!

http://denverloanmodhelp.com/?p=329

www.youtube.com/user/denverloanmodhelp

www.youtube.com/user/yourhomesellshere

FOLLOW DAN HERE:

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Denver Real Estate: How Can I Get My Vacant Home to Sell Faster?, is provided as a courtesy to our viewers to help them make informed decisions.

Wednesday, December 14, 2011

Stop Foreclosure: Don't Be Embarrassed by a Westminster Short Sale!

Denver, CO – Short Sales are a situation that can often cause emotional turmoil as well as financial. It’s amazing how quick people are to judge others but times may be changing when it comes to today’s financial situations. We’re all feeling tough times. We all have seen local businesses close, people we know losing jobs they’ve had for years, and seen how the cost of living increases while the income we’re making doesn’t seem to be keeping the same pace.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Most of us don’t speak “legal-eze” and personally I’m thankful that most of us also don’t operate like some lenders. It’s hard to understand why a lender will jump at doing a Short Sale on a home as opposed to working with someone who’s done everything in their power to make right the situation they’ve ended up in, being overdue with the lender.

Many lenders somehow find it more logical to do a Short Sale than to work with the original owner and re-finance or negotiate terms that make it more reasonable for the owner to make regular payments again. Placing the overdue amounts at the end of your loan and putting you back on track seems more logical to you and I than taking a Short Sale. But then again, when does our logic seem to match the logic of most lenders?

What we have noticed though is that while we are all together in this financial mess of our economy we also seem to be more sympathetic and understanding about the situations of others. Friends and neighbors aren’t so quick to judge those who suddenly have a “Foreclosure” or “Short Sale” sign on their front lawn. People have become more sympathetic to those in their community who have been hit hard by hard times. There is no longer a scarlet letter worn by those who have hit hard times and find themselves having to give up their home via a Short Sale.

There is no shame in Short Sales. In most cases the home owners have approached their lender in every possible way, using every possible means to keep their home. Most lenders turn down every option other than literally snapping your fingers and coming up with all of the money owed instantly, no matter what the situation may be. These lenders should bear all of the shame for creating situations that don’t allow for a good, honest homeowner to maintain their dream.

A Short Sale is an option that is taken to help keep your dignity, sell your home, and have a fresh start. Many take this choice hoping to do less harm to their credit rating. Many times friends and neighbors will not only understand your situation but will respect that you’ve remained dignified through a terrible crisis in your life. Each of us understands that we are almost all only a paycheck away from being on the streets in today’s economy.

As we work together to make things better, one of the things we notice is that there truly is a lot less judging and finger pointing going on in life and a whole lot more understanding and help. The fingers are pointing to the lenders now instead.

We are here to help you understand and get through making the choices you need to make regarding a Short Sale of your home. We have the knowledge and training behind us to make your transition as smooth as possible. Most of all we will treat you with respect and help you not only make the experience understandable, but bearable. We can give you information that will give you hope and show you that the future may have a better picture ahead and even another home some day with our help. There is no shame in taking the option of a Short Sale and we are here to show you.

Thanks for reading this, Dan Hopper.

View My homes for sale at www.danhopper.com.

Dan Hopper specializes in loan modification assistance and short sales in Denver, Colorado. Denver Loan Modification Help, Denver Short Sales. Denver Realtor. Westminster, CO Loan Modification Help, Westminster, CO Short Sales, and Westminster Realtor.

For related blog / video blogs, click on the links, below!!

http://denverloanmodhelp.com/?p=329

www.youtube.com/user/denverloanmodhelp

www.youtube.com/user/yourhomesellshere

FOLLOW DAN HERE:

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Dan Hopper, Remax Alliance, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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 Dan Hopper's personal views and do not reflect the views of RE/MAX Alliance.

This information on Stop Foreclosure: Don't Be Embarrassed by a Westminster Short Sale!, is provided as a courtesy to our viewers to help them make informed decisions.