The Calender Group

602-309-4000 - HomeSmart Arrowhead

  • HOME
  • Arizona Communities
  • SUN CITY SENIOR LIFESTYLE
  • AZ FAMILY LIVING
  • FORECLOSURE
  • OUR SERVICES
  • AZ LIFESTYLE
    • HOME
    • Arizona Communities
    • SUN CITY SENIOR LIFESTYLE
    • AZ FAMILY LIVING
    • FORECLOSURE
    • OUR SERVICES
    • AZ LIFESTYLE
The Calender Group

602-309-4000 - HomeSmart Arrowhead

  • HOME
  • Arizona Communities
  • SUN CITY SENIOR LIFESTYLE
  • AZ FAMILY LIVING
  • FORECLOSURE
  • OUR SERVICES
  • AZ LIFESTYLE
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WHAT IS FOREBERANCE? arizona foreclosure

During this COVID-19 crisis many homeowners lost their jobs and or businesses creating a personal financial setback for thousands. The government created a program to help people get back on their feet, called the CARES ACT. This allowed for homeowners to pause or reduce their payments for a limited period.  

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WHAT OPTIONS DO HOMEOWNERS HAVE?

HOW CAN A REALTOR HELP A HOMEOWNER FACING FORECLOSURE?

For years, I have been assisting homeowners when they are faced with an unexpected financial setback.  Many of the homeowners I have helped have lost their incomes, businesses or suffered an unexpected life changing experience. One thing I do know is they needed help and they felt they had no where to go.   


As an experienced short sale foreclosure specialist, I am committed in helping homeowners begin sorting out their situation when faced with foreclosure. I assist in helping homeowners by alleviating some of the stress of working with lenders so they can focus on caring for their families and plans for their future. While this is not easy situation for many homeowners, I believe I have helped guide homeowners to make choices that helped them to begin a fresh start.


If you have suffered a financial setback and you are having troubles paying your mortgage, please give me a call so I may give you some options you might think you do not have otherwise. 



*disclaimer each financial situation and lender are entirely different. There is no guarantee that lenders will accept or agree to certain terms. 

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WHAT IS A SHORT SALE?

 A short sale is a transaction in which the lender, or lenders, agree to accept less than the mortgage amount owed by the current homeowner. In some cases, the difference is forgiven by the lender, and in others the homeowner must decide with the lender to settle the remainder of the debt. Since a short sale generally costs the lender less than a foreclosure, it can be a viable way for a lender to minimize its losses.


A short sale can also be the best option for homeowners who are “upside down” on mortgages and a short sale may not hurt their credit history as much as a foreclosure. As a result, homeowners may qualify for another mortgage sooner once they get back on their feet financially.

Home prices are at the highest levels, so you may not need to short sell if your home has equity. If your still behind on payments and unable to bring your past due payments current, your lender may be willing to accept an offer on your home that meets today’s values. We can give you a free home valuation and work out a plan with your bank. 


If you continue to struggle to bring your payments current and have received notices of default or unsure your home is scheduled for trustees sale or auction, please do not hesitate to call us today at 602-309-4000. real estate arizona foreclosure arizona short sale

TRUSTEE SALE AUCTION

For those that have never experienced a trustee sale or auction, please allow me to explain. An auction is the last legal step your lender takes once your home has gone into foreclosure and is put up for sale to a bidder and foreclosed by your lender or bank.  Don't wait until it's too late. Know your options!

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