Michelle Burgos, CDPE & RealEstateWishTeam

Quick Tip: Clean Fridge in Minutes..

Fri, 30 Mar 2012 11:26:36 GMT

Clean Fridge in Minutes...

Line fridge shelves with Saran Wrap’s Press and Seal paper, then peel off and replace when dirty.

[solid colors are available]

Geeeeenius!

Remember, Michelle CAN HELP; I am here to assist you!

Is Your Mortgage out of Balance with your Budget?

Wed, 22 Feb 2012 16:29:36 GMT

Is Your Mortgage out of Balance with your Budget?

Se Habla Español

CAUTION! It can happen quickly.

An expensive car repair, an unexpected hospital visit, a missed week of work – just a few little things and the life you’ve worked so hard to build can feel like it’s tipping dangerously out of balance.

Once the scales turn against you, it can feel like it is impossible to ever tip them back in your favor again. When your financial problems reach the point where they threaten your home, it is difficult to manage the stress. Sometimes it is even difficult to force yourself to seek help.

As a Florida real estate professional in Broward County, who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially-challenged homeowners with options to foreclosure, ensure that they steer clear of scams, and help navigate them through the solution that best meets their needs.

Don't attempt this on you own. Choose to face the challenge with a professional on your side.

I can help you realign the balance in your financial life and tip the scales back in your favor. Call or email me and schedule your free, confidential consultation. We can work together to make sure you end up ahead.

I am here to HELP!

Se Habla Español

Remember, Michelle CAN HELP; I am here to assist you!

Robo Signing Settlement For Homeowners With Foreclosures

Fri, 17 Feb 2012 10:47:06 GMT

Robo-signing is a practice employed by banks to automate the processing and approval of foreclosure proceedings against homeowners. “In many cases,” said Burgos, “the banks were discovered to have processed thousands of foreclosures in a single day, all signed by one person.” read more...

Florida Robo Signing Settlement [Press Release] #CDPE

www.michellecanhelp.com

Remember, Michelle CAN HELP; I am here to assist you!

Resolve to Face the Facts!

Sun, 08 Jan 2012 21:19:13 GMT

Since 2007, 8.9 million homes have been lost to foreclosure and millions more are headed in that direction.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to ensure that you or anyone you care about does not add to that statistic.

The unfortunate fact is that so many homeowners who have played by the rules and never imagined that they could be facing foreclosure are now in a very tough situation.

More than one in four homeowners owes more on their mortgage than their home is worth. On top of that staggering statistic is the fact that millions of homeowners are unemployed, or underemployed and falling further behind every month.

Sound familiar? Rest assured you are not alone.

If you feel that you are headed toward foreclosure, or if you are avoiding facing that fact, the sooner you reach out for help, the better your options.

As a CDPE agent, I help distressed homeowners to work through every aspect of the denial and discouragement that accompanies a mortgage which is no longer manageable, and in the process, to move toward financial solvency.

If you or someone you care about is ready to tip the scales back toward financial solvency, contact me today and let’s get started.

Remember, Michelle CAN HELP; I am here to assist you!

Homeowners Assistance Program (HAP) by The Department of Defense (DOD)

Thu, 06 Jan 2011 15:02:53 GMT

Military Homeowners now have assistance to sell their homes as a short sale. As a REALTOR and CDPE specializing in the Home Affordability Foreclosure Alternative [HAFA], and traditional Short Sales I am qualified and knowledgeable in the area. I have extended my services to homeowners to include the new Homeowners Assistance Program (HAP) program.

The Homeowners Assistance Program [HAP] is offered by the Department of Defense (DOD) to assist eligible homeowners who face financial loss when selling their primary residence homes in areas where real estate values have declined because of a base closure or realignment announcement.

The American Recovery and Reinvestment Act of 2009 (ARRA) is designed to assist service members and DOD employees who are wounded, injured or become ill when deployed, surviving spouses of service members or DOD employees killed or died of wounds while deployed and service members required to permanently relocate during the home mortgage crisis.

For More Information or to sell your home utilizing the HAP program in South Florida Contact: Michelle Burgos, CDPE @ (954) 874-2515 or Info@MichelleCanHelp.com

Remember, Michelle "CAN HELP" and I am here to assist you!

The Hidden Costs of Bankruptcy [FREE Report]

Sun, 08 Aug 2010 20:33:44 GMT

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy,"

Remember, Michelle "CAN HELP" and I am here to assist you!

Thinking of a strategic Default?; Think Again...Fannie Mae Says “Don’t Walk Away”

Fri, 25 Jun 2010 13:47:10 GMT

Thinking of a strategic default; Think Again!!! Fannie Mae says "Don't walk Away”

If you or someone you know is contemplating a strategic default; think again. Fannie Mae now has "intensified penalties for those who strategically default" on their mortgages, stating:

"...defaulting borrowers who walk away and had the capacity to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan for a period of seven years from the day of foreclosure.” read more...

Remember, Michelle "CAN HELP" and I am here to assist you!

Fannie & Freddie...Get With the Program!

Thu, 03 Jun 2010 22:20:45 GMT

The momement many homeowners were hoping for has finally arrived... Fannie Mae and Freddie Mac just announced the introduction of their own HAFA programs. Both Fannie and Frddie are to implement the program on August 1, 2010, and the programs are very similar to HAFA in that they simplify and streamline the use of short sales and deed-in-lieu (DIL) options and use similar forms and timelines. In addition, like HAFA (Home Affordability Foreclosure Alternatives), the program expires December 31, 2012. However, some of the major differences offered by the new Fannie Mae and Freddie Mac HAFA programs include, but are not limited to:

- Both institutions will pay the servicer a $2,200 incentive fee for successful short sales
- Both institutions will pay the servicer a $1,500 incentive fee for all successful DILs
- The Deed for Lease (D4L) is available for borrowers who request and are approved to remain in the property following a successful DIL

Specific details on these programs can be found by visiting the following links: eFannieMae.com and Freddie Mac Bulletin

Our team of researchers at the Distressed Property Institute is keeping a close eye on the industry, including lenders and servicers, to make sure you stay on top of the most recent market developments. Stay tuned for more updates!

Remember, Michelle "CAN HELP" and I am here to assist you!

TYPES OF FORECLOSURE PROPERTIES?

Wed, 12 May 2010 18:07:10 GMT

WHAT ARE THE DIFFERENT TYPES OF FORECLOSURE PROPERTIES?

THERE ARE BASICALLY THREE STAGES TO THE FORECLOSURE PROCESS. AT EACH STATE, THE REAL ESTATE IS THOUGHT OF AS A DISTINCT TYPE OF PROPERTY THAT A NEW PURCHASER CAN AQUIRE:

SHORT SALE ~ PREFORECLOSURES ARE STILL OWNED BY THE BORROWERS WHO ARE IN DEFAULT ON ONE OR MORE MORTGAGE LOAN PAYMENTS. THE OWNER OFTEN HIRES A REALTOR TO ASSIST IN SELLING THE PROPERTY TO SAVE THEIR CREDIT RATING. IF YOU OWN A PROPERTY AND ARE IN THIS STAGE, WE CAN ASSIST YOU IN SELLING YOUR PROPERTY QUICKLY BY CONTACTING US FOR MORE INFORMATION.
AUCTION PROPERTIES HAVE BEEN POSTED FOR PUBLIC SALE AND MAY BE BOUGHT AT THE TIME OF THE FORECLOSURE AUCTION BY ARRANGING TO PAY THE ARREARS PLUS OTHER COSTS AT THE SAME TIME THE LENDER LEGALLY TAKES OWNERSHIP OF THE PROPERTY.
REO IS THE TERM FOR "REAL ESTATE OWNED" BY THE BANK, SAVINGS AND LOAN, OR OTHER LENDING ENTITY AFTER THE FORECLOSURE SALE IS CONCLUDED WITH NO OTHER PURCHASER BUYING THE REAL ESTATE.

TO SUMMARIZE, A PREFORECLOSURE OCCURS WHEN THE LENDER INITIATES FORECLOSURE PROCEEDINGS AS THE RESULT OF A DEFAULT. IF THE BORROWER CANNOT CURE THE DEFAULT BY PAYING THE ARREARS, AND DOES NOT SELL THE PROPERTY, IT IS SOLD AT A PULLIC FORECLOSURE AUCTION. IF NO ONE BUYS THE PROPERTY AT THE AUCTION, IT BECOMES REO AND THE LENDER IS NOW THE SELLER.

Remember, Michelle "CAN HELP" and I am here to assist you!

CASH for SHORT SALES... Claim Your $3,000!

Sat, 08 May 2010 14:57:36 GMT

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating. Read more...

Remember, Michelle "CAN HELP" and I am here to assist you!

Pre-Sale: Home-Sweet-Home! Short Sale - NOT on MLS!

Sat, 19 Dec 2009 00:10:09 GMT

Home-Sweet-Home! Pre-Sale - NOT on MLS! Call Michelle for Details. (305)343-3104.

15324 SW 19 St Miramar 33027 (61 photos), by Michelle Burgos

www5.snapfish.com: I'd like to share my Snapfish photos with you. Once you have checked out my photos you can order prints and upload your own photos to share.

Remember, Michelle "CAN HELP" and I am here to assist you!

VLOG: Your To-Do List to be APPROVED for a Permanent Loan Modification

Wed, 16 Dec 2009 08:56:13 GMT

Are you interested in appying for the Making Home Affordable Program in efforts to saving your home? Have you been offered a Trial Period Mortgage Modification? Need help preparing the required documents your lender is requiring? Do you have questions? Michelle Can Help!

Michelle Burgos, CDPE (Certified Distressed Property Expert), HRC (Home Retention Consultant), and Short Sale Expert @ 954-343-3104 is standing by and ready to HELP!

My services are FREE to you; I Promise! NO FEE - NO OBLIGATION - CALL NOW!

For more information, or to find out how you might be able to benefit from the Making Home Affordable program, please visit www.MakingHomeAffordable.gov.

Remember, Michelle "CAN HELP" and I am here to assist you!

VLOG: RE/MAX Agents Help Homeowners Avoid Foreclosure with Short Sales

Tue, 15 Dec 2009 13:39:36 GMT

There may be another option to save you and your home from foreclosure. Short sales allow you to avoid foreclosure and salvage your credit.

Call Michelle for a FREE One-on-One Consultation.

Remember, Michelle "CAN HELP" and I am here to assist you!

Everything Is A Choice!

Tue, 15 Dec 2009 11:00:32 GMT

In life and in my business I have learned that "Possitive Affirmations" are a Key Ingredient to a Successful Life and Inner Being.

During this season, the season for giving, I would like to give you this gift. Please accept this gift with an open heart and mind and use it often as Food for Your Soul.

Blessing Today & Always! Michelle Burgos, CDPE

Remember, Michelle "CAN HELP" and I am here to assist you!

If I offered you $6,500 FREE & CLEAR...Would You Take It? How about $8,000...Now Would You Take It?

Mon, 14 Dec 2009 00:10:58 GMT

Claim your Tax Credit TODAY!

Move-Up/Repeat Buyers & First Time Home Buyers

Best of All...The Tax Credit Can Be Applied Towards the Purchase of

A Short Sale * Foreclosure * REO

ACT NOW!

Looking to Buy or Sell?

Call Michelle Burgos, CDPE, GRI (954) 343-3104 ext. 0

Visit Us Online: www.RealEstateWish.com Email: Info@RealEstateWish.com

Remember, Michelle "CAN HELP" and I am here to assist you!

Condo For Sale in Miramar FL 33025 - $74,447 - MLS # M1327498

Wed, 09 Dec 2009 17:27:15 GMT

Condo For Sale in Miramar FL 33025 - $74,447 - MLS # M1327498

"For more information and photos of this property, Txt M1327498 to 48696"

1. From your mobile phone, create a new text message to the number 48696.

2. In the body of the message enter: M1327498

3. Press SEND. In a few seconds you will receive a reply message with a link to see all the property details.

Or contact Michelle @ Info@MichelleCanHelp.com to request an email be sent directly to your email inbox. Enter "Please send M1327498" in the subject line.

Remember, Michelle "CAN HELP" and I am here to assist you!

Condo For Sale in Coral Springs FL 33065 - $79,997 - MLS # M1330194

Wed, 09 Dec 2009 16:53:48 GMT

Condo For Sale in Coral Springs FL 33065 - $79,997 - MLS # M1330194

"For more information and photos of this property, Txt M1330194 to 48696"

1. From your mobile phone, create a new text message to the number 48696.

2. In the body of the message enter: M1330194

3. Press SEND. In a few seconds you will receive a reply message with a link to see all the property details.

Or contact Michelle @ Info@MichelleCanHelp.com to request an email be sent directly to your email inbox. Enter "Please send M1330194" in the subject line.

Remember, Michelle "CAN HELP" and I am here to assist you!

Condo For Sale in Miramar FL 33023 - Residences @ Miramar - $74,447 - MLS # M1324719

Wed, 09 Dec 2009 16:06:18 GMT

Condo For Sale in Miramar FL 33023 - $74,447 - MLS # M1324719

"For more information and photos of this property, Txt M1324719 to 48696"

From your mobile phone, create a new text message to the number 48696.
In the body of the message enter: M1324719
Press SEND. In a few seconds you will receive a reply message with a link to see all the property details.

Or contact Michelle @ Info@MichelleCanHelp.com to request an email be sent directly to your email inbox. Enter "Please send M1324719" in the subject line.

Remember, Michelle "CAN HELP" and I am here to assist you!

Meet My Life & Business Coaches Who Inspire Me To Thrive! Who Inspires You?

Tue, 08 Dec 2009 22:01:24 GMT

(Hover over photos for brief description)

Who Inspires You: I had someone ask me "Who inspires you?" "Do you have a life or business coach

Yes, I do. I have - not one but - many coaches that inspire me and keep me motivated, educated and enable me to thrive in life & in my business.

I want to take a moment to acknowledge them and simply say "THANK YOU" for everything you do for me as an individual but most importantly for our community as a whole. We are forever greatful. "Our world is a better place because of you!"

Remember, Michelle "CAN HELP" and I am here to assist you!

NEW U.S. Plan Will Help Homeowners Avoid Foreclosure

Mon, 07 Dec 2009 00:21:38 GMT

U.S. Plan Will Help Homeowners Avoid Foreclosure

Homeowners across the United States could avoid foreclosure under a plan announced on Nov. 30 by the U.S. Treasury Department. Under the plan, millions of at-risk homeowners could be free of mortgage debt without going through foreclosure, and given $1,500 for relocation.

The Treasury plan, which applies to 75 percent of the mortgages in the U.S., including those backed by Freddie Mac or Fannie Mae, provides incentives for lenders and homeowners for completing short sales - transactions in which the lender agrees to a sale price that's less than the borrower owes on the mortgage. Short sales are preferred to foreclosure because homeowners take less of a hit on their credit and lenders realize a smaller loss.

However, short sales often get bogged down because of the complicated nature of the transaction. Deals can fall through because they take too long.

Under the plan, which speeds up and simplifies the short-sale process, mortgage servicers have 10 days to approve or reject a request for a short sale. And when the sale is done, the borrower must be fully released from the debt.

Read more details of the Treasury plan.

The announcement is a positive step for the real estate market and for communities across the country, RE/MAX International CEO Margaret Kelly says. RE/MAX has been advocating simplified short sales for more than a year and has been working actively with U.S. government officials, including legislators and Obama administration officials.

"We're extremely pleased with this development," Kelly says. "Foreclosures have played a major role in keeping housing values down. This will help the market return to normal, stabilize prices, improve neighborhoods and prevent hundreds of thousands of homeowners from suffering the agony of being evicted from their homes. It should also play a role in the continued recovery of the economy."

RE/MAX has been training its agents to help homeowners avoid foreclosure by offering courses on short sales. More than 8,300 RE/MAX Affiliates hold the Certified Distressed Properties Expert designation – 58 percent of the total U.S. CDPE-holders. Many other RE/MAX Associates have extensive experience with foreclosures and pre-foreclosures.

If you've fallen behind in your mortgage payments or received a pre-foreclosure letter from your lender, a RE/MAX Associate can help.

Remember, Michelle "CAN HELP" and I am here to assist you!

Work sited: http://www.remax.com/LearningCenter/ArticleViewer.aspx?id=31

12,000+ Strong SuperHero CDPE Agents NATIONWIDE "CAN" HELP!

Tue, 24 Nov 2009 07:46:19 GMT

FOR IMMEDIATE RELEASE: Michelle has on her SUPER HERO cape & is on a MISSION to SAVE 240+ Families "NATIONWIDE" from Foreclosure in 2010!

Are you or someone you know "ANYWHERE IN THE US" in need of a Home Retention or a Foreclosure Prevention Consultaion? Do you need a Short Sale or considering one?

I have a network of 12,000 strong CDPE Agents "NATIONWIDE" that CAN HELP!

center>Contact Michelle Today @ (954) 343-3104 to learn everything you need to know about your Options and Possible Solutions.

Your Uncle Sam (IRS), 1099's, Judgments, Unsecured Notes, Insolvency and the ramifications they can have when applying for a Short Sale or when confronted with Foreclosure.

Thu, 12 Nov 2009 23:57:37 GMT

As a REALTOR and Short Sale Expert asisting home owners avoid foreclosure everyday, I find that home owner have valid concerns that need to be addressed.

Many home owners are not aware that they have options, solutions and most importantly they have rights as home owners. Many walk away from their homes and consequently destroy their credit for 10, 15, 20, 25 years or more without knowing that foreclosure is NOT the only solutions!

Click here to find the Options & Solutions to Foreclosure

I have attached two additional documents below that will answer most of the questions you may have regarding Your Uncle Sam (IRS), 1099;s, Judgments, Unsecured Notes and the ramifications they can have when applying for a Short Sale or when confronted with Foreclosure.

As always...fell free to contact me with any questions you may have.

Remember, Michelle "CAN HELP" and I am here to assist you!

What is CDPE?

Tue, 10 Nov 2009 21:39:42 GMT

The Certified Distressed Property Expert Designation (CDPE) is an indication that a Realtor® has taken the initiative to become an educated and prepared advocate on the behalf of a homeowner in distress. Earned by completing detailed and thorough coursework via the Distressed Property Institute, real estate agents with the CDPE designation are armed with the necessary tools and information to help distressed property owners avoid foreclosure and continue their lives.

As a CDPE designated REALTOR®, I have committed myself to helping those who face foreclosures by working to find the right solution for their individual needs and seeing the issue resolved. Part of my CDPE designation coursework involved studying the process of short sales, once rarely accepted by lenders, but in today's world they are becoming an increasingly viable option. Although more common in recent years, lender's still want the right deal with the right paperwork, and most real estate agents without the CDPE designation do not know the specifics.

The CDPE course has taught me how to submit the proper documents to a variety of lenders and negotiation skills, allowing for quick resolve to a short sale. A CDPE's education is continual, as CDPEs from across the county gather information to provide the Distressed Property Institute a continual flow of new information to share with other CDPE designated agents.

Remember, Michelle "CAN HELP" and I am here to assist you!

Preguntas Frequentes (FAQs)

Fri, 06 Nov 2009 12:55:13 GMT

Preguntas Frequentes (FAQs)

Preguntas Frequentes

Es de entender que existan muchas preguntas al tener que enfrentarse con una situación nueva y difícil, especialmente cuando su hogar está en juego. La realidad es que millones de propietarios en todo el país están cayendo en cuenta de que tienen muchas más preguntas que respuestas acerca del tema. Esperamos que la información que aparece a continuación le ayude a entender mejor las circunstancias. Si tiene preguntas que no aparecen contestadas aquí, o si quiere información acerca de recursos adicionales, por favor siéntase en la libertad de contactarnos.

¿Califico para una venta corta?

Para calificar para una venta corta debe tener una o todas de las siguientes características:

Problemas Económicos: Cuando existe una situación que está haciendo que tenga problemas para poder pagar su hipoteca.
Déficit de Ingresos Mensuales: O dicho de otra forma: “Usted tiene más dinero que mes”. Un prestamista tiene que comprobar que usted no puede pagar, o que pronto no va a poder pagar su hipoteca.
Insolvencia: El prestamista tiene que comprobar que usted no tiene los activos necesarios que le permitan pagar su hipoteca disminuyendo su deuda.

¿Qué es una Modificación Hipotecaria?

Una modificación hipotecaria es el proceso por medio del cual su entidad de préstamo hipotecario cambia uno o más de los siguientes puntos:

Su tasa de interés
El saldo de su préstamo (a través de una reducción)
Los términos de su préstamo (por ejemplo: cambiándolo su tasa de interés de ajustable a fija).

Este proceso le permite a los prestatarios permanecer en su propiedad cuando no pueden pagar sus pagos hipotecarios actuales.

¿Por qué un prestamista modificaría mi hipoteca?

Los prestamistas se han dado cuenta que en algunos casos es mejor para ellos tratar de llegar a un acuerdo con sus prestatarios y disminuir pagos mensuales o hacer que los términos del préstamo sean más convenientes para ayudarlos a permanecer en sus propiedades. La ejecución hipotecaria (foreclosure) promedio puede costarle a un prestamista entre el 35% - 50% del valor de una propiedad, así que lograr que los prestatarios permanezcan en sus hogares es una buena opción para todos los involucrados.

¿Qué tengo que hacer para calificar para una modificación de préstamo?

De acuerdo al sitio web del Programa Making Home Affordable (http://www.makinghomeaffordable.gov/spanish/index.htmlusted) necesitará reunir la información que aparece a continuación para que su prestatario considera la modificación:

Información acerca de su primera hipoteca, como por ejemplo su estado de cuenta mensual.
Información acerca de su segunda hipoteca o línea de crédito (equity line) sobre la residencia.
El balance sus cuentas y los pagos mensuales mínimos que debe en todas sus tarjetas de crédito.
El balance y sus pagos mensuales en todas sus otras deudas, como por ejemplo préstamos estudiantiles y de auto.
Su declaración de impuestos más reciente.
Información acerca de sus ahorros y otros bienes que posea.
Información acerca de los ingresos mensuales brutos (antes de deducir los impuestos) de todos los que viven en la residencia, incluyendo los talonarios de pago más recientes si los recibe y la documentación de ingresos que recibe de otras fuentes.

Si se aplica en su caso, también puede ayudar escribir una carta describiendo las circunstancias que hicieron que sus ingresos se redujeran o que sus gastos aumentaran (pérdida de trabajo, divorcio, enfermedades, etc.)

¿Cómo puedo calificar para una modificación hipotecaria?

Primero, tiene que llamar a su prestamista y tener toda la información que detallamos arriba disponible para poder conversar con ellos. Llame a la línea de servicio al cliente (Customer Service) y pregúnteles que opciones tienen disponibles. Si la persona con la que habla no entiende lo que usted está solicitando, puede pedir que le pasen la llamada a uno de los siguientes departamentos (los prestamistas pueden tener nombres diferentes para estos departamentos):

Mitigación de Pérdidas.
Modificación de Préstamos
H.O.P.E.

Antes de contactar a su prestamista hipotecario, usted puede tomar una prueba de elegibilidad (eligibility test) en el sitio web http://www.makinghomeaffordable.gov/spanish/index.htmlusted. Esta prueba le dirá si usted es elegible para una modificación a través del programa patrocinado por el gobierno Home Affordability and Stability (HASP). Para un listado de las instituciones y entidades participantes,visite www.HopeNow.com.

¿Qué pasa si no califico para una modificación hipotecaria, no puedo pagar mi casa y debo más dinero de lo que vale?

Usted no está solo y la ejecución hipotecaria (foreclosure) no es la única opción. Si su prestamista hipotecario no está dispuesto a ayudarle a reducir sus mensualidades, puede que usted quiera consider la posibilidad de una venta corta. Agentes como yo, con la Designación Certified Distressed Property Expert®, hemos sido entrenados ampliamente sobre cómo procesar y negociar las ventas cortas. Una venta corta le permite vender su residencia por menos de lo que debe para poder evitar la ejecución hipotecaria (foreclosure). Converse con un experto en la materia para verificar si califica.

¿Qué significa el Refinanciamiento Home Affordable?

Si Fannie Mae o Freddie Mac son dueños de su hipoteca, usted puede ser elegible para un Refinanciamiento Home Affordable. Esto le permitirá refinanciar su hogar y muchas veces la disminución de sus mensualidades hipotecarias.

¿Cuáles son los requisitos para el Refinanciamiento Home Affordable?

De acuerdo a la información que ha sido divulgada por el gobierno federal, los siguientes son los requisitos que necesita para calificar:

Usted es el propietario y vive en una casa que sea de una a cuatro unidades.
El préstamo sobre la residencia es propiedad o está asegurado por Fannie Mae or Freddie Mac (vea Enlaces Útiles)
Cuando aplica, debe estar al día en sus pagos hipotecarios (no debe haber retrasado más de treinta días en su pago en los últimos doce meses, o si su préstamo tiene menos de doce meses, no debe haber omitido ningún pago).
Piensa que la cantidad de dinero que debe en su primera hipoteca es aproximadamente igual o un poco menor que el valor actual de su residencia.
Tiene los ingresos suficientes para poder pagar las nuevas mensualidades hipotecarias, y el refinanciamiento mejora la posibilidad de que pueda seguirlos pagando a largo plazo aumentando la estabilidad de su préstamo.

Breve Explicacion de las Ventas Cortas (Short Sales)

Fri, 06 Nov 2009 12:50:27 GMT

Breve Explicacion de las Ventas Cortas (Short Sales)

Breve Explicación de las Ventas Cortas (Short Sales)

Una venta corta (short sale) puede ser una excelente solución para los propietarios que tienen que vender su residencia y quienes deben más dinero que lo que su propiedad vale. En el pasado, era muy poco común que los bancos o prestamistas aceptaran una venta corta (short sale). En nuestros días, debido a los cambios abrumadores del mercado inmobiliario, los bancos y prestamistas se han vuelto mucho más abiertos a la negociación en lo que tiene que ver con este tipo de transacciones. Los cambios recientes a la política corporativa de la administración del Presidente Obama también han mejorado las posibilidades de obtener la aprobación de una venta corta (short sale).

Pero para ser un poco más técnicos, aquí tiene una definición un poco más oficial:

Un propietario se encuentra “corto” cuando la cantidad de dinero que debe por su propiedad es mayor que su valor en el mercado actual.
Una venta corta (short sale) ocurre cuando se presenta una solicitud ante la compañía hipotecaria del prestatario (o compañías) para que acepten una cantidad de dinero menor al balance total del préstamo cuando se complete la venta. Un comprador compra la propiedad y la propiedad es entonces “vendida por menos” (sold short) del valor total de la hipoteca.

Para que los propietarios puedan califican para una venta corta (short sale), tienen que tener una o todas de las siguientes circunstancias:

Problemas Económicos: Situación que causa que usted tenga problemas para poder pagar su hipoteca.

Déficit de Ingresos Mensuales: O dicho de otra forma: “Usted tiene más dinero que mes”. Un prestamista tiene que comprobar que usted no puede pagar, o que pronto no va a poder pagar su hipoteca.

Insolvencia: El prestamista tiene que comprobar que usted no tiene los activos necesarios que le permitan pagar su hipoteca disminuyendo su deuda.

Esto parece ser bastante simple, pero es un proceso complicado que necesita de la experiencia de profesionales calificados. Contamos con la Designación CDPE® y estamos listos para identificar todas las opciones posibles disponibles para usted y para ayudarle a ejecutar rápidamente la transacción de una venta corta (short sale).

Si tiene preguntas o cree que puede calificar para una venta corta, por favor contáctenos para una consulta gratuita.

Entender cuáles son sus opciones ahora puede hacer una gran diferencia en el futuro.