Facing foreclosure?

30-year mortgage rates return to historic low

Thu, 15 Sep 2011 18:17:38 GMT

30-year mortgage rates return to historic low

Mortgage rates for 30-year fixed mortgages declined once again this week after rising to 4.07 the previous week, Zillow.com data shows, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 3.92 percent, a drop from last week. This is only the second time that the rate has dropped below 4 percent since Aug. 10 and is a return to the lowest rate recorded since Zillow Mortgage Marketplace launched in April 2008. The rate hovered between 3.98 percent and 4.05 percent before diving to the current rate early this morning, Zillow says. The rate for a 15-year fixed mortgage is 3.17.

Investors Hop On The Bus For Foreclosure Bargains!

Wed, 14 Sep 2011 23:50:17 GMT

They boarded the Foreclosure Express Bus early Saturday, ready to hunt for bargains amid South Florida's housing bust. The monthly tours helps investors find, buy and fix up the thousands of bank-owned homes across Broward and Palm Beach counties.

"The distressed real estate in California and Florida is the biggest opportunity I've seen in my career," said Ray List, 67, a former chief executive of public companies and one of eight investors on Saturday's tour.Another investor, John Tuoto, 45, was looking for more foreclosures after completing his first project last week. He bought a three-bedroom home west of Boca Raton for $93,500, spent $20,000 on renovations and resold it for nearly $150,000.

With so much money tied up in the home, Tuoto, who works full time for a paint manufacturer, said it was torture waiting the 10 days for a buyer." It feels like somebody grabs your heart and squeezes it," he said. Multiple foreclosure bus tours started popping up across the state three years ago, shortly after the foreclosure wave turned into a tsunami.

David Dweck, founder of the Boca Real Estate Investment Club and organizer of Saturday's 4 1/2-hour tour, said he's been doing them for 15 years. When the bus pulled up to the first foreclosure, a cream-colored house with tan trim, Dweck walked through the living room, pointing out potential renovations.

"Now with this black marble flooring," he said, "what I would do here is go right over it with tile." The three-bedroom house near Boca Raton is listed for sale at $93,000, more than many other foreclosures. The profit margin after renovations might not be suitable, Dweck said, adding that the home likely would make an investor more money as a $1,300-a-month rental.

If so, Dweck said, whoever buys it shouldn't outfit it with fancy finishes and high-end appliances because tenants don't demand them. Dweck insists that the "buy low, sell high" mantra is a misnomer. He preaches "buy low, sell low" so that investors don't get stuck with properties they can't unload. His rule of thumb: buy a home that costs no more than 65 percent of the market value after repairs.

GOVERNMENTS PROPOSE NEW DEAL TO BANKS

Fri, 09 Sep 2011 16:09:04 GMT

News came today that the coalition of state governments fighting with five big banks at the heart of the robo-signing and mortgage-backed securities scandals in the real estate industry over the past year offered the banks a new deal containing limited liability for their past wrongs from future lawsuits.

The deal would give banks part of what they desire: Some legal protection from future lawsuits from individual states and class action groups for their role in wrongfully and illegally seizing homes from borrowers without doing due diligence and ensuring all the paperwork was in place.

The deal would also call for $10-25 billion in fines and restitution from Bank of America, Wells Fargo, JPMorgan Chase, Citigroup, and Ally Financial as a way to both punish the banks and help the victims of the scandals. Naturally, the banks are said to have balked at the offer, probably in belief that the liability release didn’t go far enough. Of course, this is a high-profile negotiation, and you never accept the first offer tendered. Some actually believe the language is too broad in favor of the banks, but that could change as negotiations go on.

This entire situation is very curious. The housing market, arguably, cannot really move forward until some kind of agreement is reached. But, at the same time, banks cannot be allowed to do whatever they want and get away with it. That would destroy consumer confidence and put banks in the driver’s seat for another crisis down the road. Yet if banks are pressed too hard and don’t have the liability release they want, they could curtail lending and keep the real estate market in the same position it’s currently in – with an excess of supply but not a lot of buyers.

Pressure is mounting on both sides; the public is still engaged in the issue and the share value of the big banks has dropped steadily over the past six months. Foreclosures continue to enter the market and buyers continue to see great values on the table. It’s now just a matter of whether or not this mess will be concluded so banks can fund new purchases – purchases needed to get the real estate market back up and running.

New trend in foreclosure crisis - bulldozing homes left and right!

Thu, 08 Sep 2011 13:52:23 GMT

Investors and homebuyers looking for great buying opportunities and the once-in-a-lifetime chances to buy terrific properties at significant discounts have been reveling in the market over the past few years as a record number of foreclosures have entered the market and lingered, supported by a growing backlog of foreclosed homes all across the nation.

For everyone else – sellers, homeowners, and lenders – the foreclosure crisis still represents problems that need to be solved.

One big problem is simply maintaining the neighborhoods beset by massive numbers of foreclosures. Foreclosures can be a blight on a neighborhood simply because the ones that remain vacant have a higher chance of being stripped and ransacked, leaving a shell on the outside.

There are even health concerns with mosquitoes breeding in pools filled with stagnant water. One major duty of city authorities during the crisis has actually been to drain or treat these pools to keep down mosquito breeding, which can spread harmful diseases or, at the least, annoy nearby residents.

That’s in addition to the overgrown yards, weed-filled gardens, creeping vines, and infestations of rodents and other unwanted pests brought about by long foreclosure processes.

Bulldozing Homes Left and Right!!

Sometimes, a city doesn’t want to go through the trouble of maintaining hundreds of foreclosures. Instead, more and more cities have turned to bulldozing foreclosures that have been vacant for a while and neglected by both the owner and the lender.

In Cleveland, for example, a semi-government corporation, the Cuyahoga County Land Bank, struck a deal with several lenders in which the homes would be knocked down if the banks paid for the destruction. This has allowed lenders to rid themselves of dilapidated homes for an average of $5,500 per home, thereby increasing home values in the surrounding neighborhoods.

Of course, there has to be some way to make buying homes easier or at least keeping homeowners in their home to make regular payments if the foreclosure crisis is to end.

The Department of Housing and Urban Development just announced that the application process for the Emergency Homeowners’ Loan Program is now open once again, after ending earlier this year. Critics fired at the government for not having an application period that was long enough in the first place, so this move could make available a program that will help struggling homeowners stay in their homes for up to two years or up to $50,000.

This program won’t do anything to alleviate the backlog of foreclosures that already exists, but it should help keep more foreclosures from entering the pipeline.

The program is also free to enter, and loans can be forgiven entirely if the homeowner stays in the home for five years.

Regardless of how homeowners, lenders, and governments deal with the foreclosure crisis – be it with bugs, bulldozers, or banknotes – foreclosures remain and will continue to offer discounted buying opportunities for those in a position to take advantage of them.

SOUTH FLORIDA REAL ESTATE REPORT JULY 2011

Thu, 18 Aug 2011 18:58:18 GMT

In July, South Florida existing homes sales continued to outpace 2010 totals, although the springtime buying rush appeared to cool off

The condo sales in Miami-Dade County in July 2011 are up 33 percent over July 2010, according to a report released Thursday by the Miami Association of Realtors. Single-family home sales were up 47 percent year-over-year.

In Broward, condo sales in July 2011 slowed, but were still 12 percent higher than last July. Single family home sales rose 8 percent year-over-year.

Median prices for Miami-Dade condos, which have fallen for several years, rose for the first time since the boom, climbing 8 percent to $118,800, the report found. Single-family prices fell 8 percent to $182,400.

In Broward, median single-family prices reached $193,000, up 5 percent from last July.The median-priced condo sold for $81,000, the same price as a year ago.

The market continues to be dominated by all-cash sales, and distressed properties. About 60 percent of home sales in July were all cash, and 57 percent involved properties in some stage of the foreclosure process.

Distressed property owners who are facing foreclosure are turning more toward short sales these days. In Broward county , for example, 21 % of all existing real estate transactions in the month of July were short sales.

More and more home owners in distress are taking advantage of the federal program –Home Affordable Foreclosure Alternatives – that will help subsidize a short sale, give the paricipating owners cash at closing in attempt to avoid the cost of foreclosure. The reality is that more short sales result in fewer foreclosures, which lessens the drag on home prices and frees up a bit of inventory.

Foreclosures' Other Victims: Abandoned Pets

Wed, 17 Aug 2011 17:12:43 GMT

Pets did not fail to make the payments, however, they too are suffering as they are abandoned.

Abandoned foreclosure pets are becoming a growing problem for communities all across the U.S. As the foreclosure crisis worsens, foreclosed homes are growing in number, moving quickly into the hands of realtors and the real estate market. People are declaring bankruptcy in droves and abandoning homes, properties, belongings and pets. These fleeing home owners usually move to apartments which do not allow pets or do not have the facilities to accommodate pets, especially larger ones, or they don’t want the extra responsibility of feeding or caring for another soul. Their abandoned pets are left stranded in a house, yard or left to roam the property having to fend for themselves.

Real estate agents have become frontline soldiers in a shadow crisis to the foreclosure mess .It isn't uncommon for an agent to open the door of a foreclosed property and find a starving dog or cat left behind when the family moved on.

Animal shelters and rescue groups say the surge of abandoned pets since the housing crisis began has further strained their already shrunken resources. The shelters are being asked to do more with less, said Dr. Stephen Zawistowski, science adviser for the ASPCA; municipal budget cuts have meant reduced staff, and donations are down in general since the recession started. Plus, he said, many people are struggling to stay afloat and don't feel that they can open their home to a new pet, so adoptions in general are down because of the economy.

The Humane Society, as well as other abandoned animal shelters, is full of rescued pets needing adoption. People offering a loving home to these orphans are needed desperately before they are euthanized. Because of the overwhelming numbers, it is virtually impossible for these shelters to provide proper care and attention to all of these abandoned foreclosure pets.

If you, or someone you know, would like to adopt an abandoned dog, cat or other pet, please call your neighborhood resource for pets available for adoption in your community. You can also check the classifieds in area newspapers or search on the internet for foreclosure associations that are donating these animals to shelters.

Also, the Humane Society of the United States has a broad range of information on its website.. Go to hsus.org and type "foreclosure pets" into the search function to find information how to help the amimals left behind.

FINANCIAL STABILITY IN BAD ECONOMY TIME

Tue, 02 Aug 2011 11:55:26 GMT

With the current condition of the economy lots of people are thinking of the best solution for them to sell their home especially when you talk about foreclosure and short sale. A person who owns Florida luxury houses are now finding themselves in big trouble because of their mortgages.

So, what are you going to do when you owe more than the price of your home? Here are several rundown on foreclosure and short sales.

Running away from your mortgage and allowing your home to foreclose may have significant long term impact. One of the obvious differences of short sale and foreclosure is the eligibility for you to purchase new home when you go for short sale. If you choose foreclosure you may need to wait for up to seven years.

When it comes to short sale, it cannot affect your credit for as long as you are not behind your payments. It will not show any black mark within your credit. On the other hand, when you talk about foreclosure it will show up on your credit and your score will surely drop by almost 200 to 400 points. The foreclosure mark will stay in your credit report for ten years. This is very big burden on your part.

For short sale, you will experience any additional cost. Letting your precious house gets into foreclosure may seem to be the easiest way out, but this will lead you to paying larger cost in the long run. The lender can take judgement against you for other properties that you owned. This will just add up to your thousand dollars debt. Running away is not good because your debt will surely follow you anywhere you hide.

Mots lender also agree easily when you discuss about shirt sale on them, because this will also benefit them on the long run because they it can prevent them of paying added cost of the foreclosed property. Even if they will only take lesser cost of your original owe, they will be happy getting something than getting nothing. Foreclosure is the worst option that you can get. You can sell your foreclose house to a home buyer that are willing to pay owe. This is also a perfect option for you if you want to avoid having bad credit rating.

When you talk about the debate between short sale as well as foreclosure, you have to negotiate with your bank as soon as you can. Foreclosure will definitely cause you a long lasting bad effect and it will be impossible for you to get credit in the future. It is important to plan and think right before making any decision, because your decision will dictate your future as well as the future of your entire family.

UNDERSTANDING SHORT SALE

Wed, 27 Jul 2011 13:38:29 GMT

UNDERSTANDING THE SHORT SALE

There are many ways to lose a home but signing away ownership in a manner that destroys credit, embarrasses the family and strips an owner of dignity is one of the hardest. For owners who can no longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One of those options is called a "SHORT SALE"

More than half of my sales in Fort Lauderdale/Broward County over the past year are short sales. And that is not going away any time soon . That's how prominent short sales have become.

BUT WHAT IS A “SHORT SALE”?

When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total mortgage amount due . Not all lenders will accept short sales or discounted payoffs.

Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate bank policies have improved the chances of getting a short sale approved.

WHO CAN QUALIFY?

Usually for homeowners to qualify for a short sale, they must fall into any or all of the following circumstances:

Financial Hardship – There is a situation causing you to have trouble affording your mortgage.

Monthly Income Shortfall – In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.

Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

Primary residences or/and investment properties – even if you are current on your mortgages, but already have hardship to keep up with all obligations

WHO DOESN’T QUALIFY?

Homeowners who don’t have legitimate hardship will not be considered for short sale. If your mortgage is higher than your home current market value is not considered a hardship. Neither if you spend your monthly income on lavish vacations, expensive cars and jewelry.

HOMEOWNER BENEFITS

There are a lot of ways a short sale can benefit a homeowner caught up in a situation where they no longer can afford their mortgage, however one of the most imortant is that in a short sale transaction in most o cases, THE LENDER WILL WAVE THE RIGHT OF DEFICIENCY JUDGMENT , your good credit standing will be protected and you’ll be able to pave the road to better financial future.

Request a comprehensive short sale vs. foreclosure report here .

How Foreclosure is affecting your job

Tue, 28 Jun 2011 19:27:43 GMT

HOW FORECLOSURE IS AFFECTING YOUR JOB

Foreclosure can mean more than just a blemish to borrowers’ credit record–it can jeopardize their job too.

When a homeonwers receive dreaded notice of default ( NOD) the first thought is about loosing their home. But that’s not all . They could also loose their jobs.

The Federal government is considering foreclosure as a reason to deny security clearances. There are estimated 3 million government employees and 1.5 million contractors with some level of security clearance.

ARE YOU ONE OF THEM?

It can take years to restore a security clearance so they can work again too. Many employees who have security clearances are required to report home loan defaults and other financial issues to their company’s or agency’s security officer. About 70 security clearance appeals involving foreclosures and other distress sales were reported from January 2006 through January 2010 by the U.S. Defense Department’s Office of Hearings and Appeals. Of those 70 cases, 62 clearances were revoked or denied, according to reports.

WHEN FACING FORECLOSIRE CONSIDER YOUR OPTIONS

For borrowers at risk of foreclosure, they usually have more success at keeping their security clearance if they can prove that their home loan was a sensible loan that did not overextend them at the time and also show they’ve tried to find a work-out solution, such as a short sale.

If you, or someone else you know is in similar situation,and don't know what to do contact me for confidential consultation.

Iliana Ivanova

Certified Disterss Property Expert

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

Four million homeowners have missed more than three months of payments and are now considered seriously delinquent.

If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

No matter how late a homeownwer may be on mortgage payments, there are usually alternatives to the long lasting, negative effects of going into foreclosure. I can navigate a homeowner through the process of working with the lender and coming up with a solution that benefits all parties.

I’ve developed a free report for more information on the first steps homeowners should take if they find themselves about to miss a payment or one or more behind.

To receive your free report, please complete the form bellow.

Disclaimer: Your information is protected , strictly confidential and will not be used for any other purpouse other than services requested, and anyone else but the owner of this domain.

Mortgage Relief Fraud

Don't Be the Next Victim of Mortgage Relief Fraud!

It's a sad but true fact that homeowners in danger of losing their homes are extremely vulnerable to scams. With more and more people in this situation, it has become increasingly common for con artists to devise schemes that take advantage of this vulnerability.

The problem is that the solutions that these fraudsters approach homeowners with almost always have a grain of truth to them. They can sound a lot like the actual solutions that really can help homeowners, and it can be difficult to tell the difference between what is fake and what is real.

That is why it is important to have a trained professional on your side. As a Certified Distressed Property Expert, or CDPE, I am uniquely trained to help you understand the difference between these scams and the real solutions that can actually help you protect your financial future.

Download my free report, entitled, "Mortgage Fraud Alert!" on this page, and then contact me so I can answer any of your questions and help you navigate the process without becoming the next victim.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

ILIANA IVANOVA
(954) 655-7375

Short Sales vs Foreclosures

Short Sales vs. Foreclosures

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Crushing You

Is the Strain of Foreclosure Crushing You? You have options!

A lot has changed since you bought your home.

If you or someone you know are among the 10 million homeowners who are falling further behind every month because of an unmanageable mortgage payment, then that weight may feel unbearable. But there is actually some encouraging news:

You have options, and foreclosure is not one of them!

As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance.

Take a look at my site and download a copy of my free report entitled "Is the Strain of Foreclosure Crushing You?" Then contact me for a free, confidential consultation.

Mortgage Debt Relief

Not All Sunsets are Beautiful...

In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their home to foreclosure.

The act gave homeowners relief from the tax responsibility that accompanied forgiven debt or short sales. Often, these taxes would be more than most distressed homeowners could afford.

At the end of 2012, the act will expire. There is a bill in Congress that would extend it, but it is unclear if it will pass. Homeowners who wait could miss this once-in-a-lifetime chance to save themselves tens of thousands of dollars while freeing themselves from an unmanageable mortgage.

The clock is ticking, but there is still time to change your financial situation and avoid foreclosure. As a Certified Distressed Property Expert (CDPE), I am uniquely qualified to guide you through your options and help you find the right one for your situation.

Take a look around my site and read the free reports that are available. Write down any questions you have and then call me today for your free, confidential consultation.

Your Ticket to Freedom from Mortgage Frustration

In the news, there is talk of a housing recovery. Experts feel more optimistic about the state of the housing industry in America. However, if you or someone you know is one of the millions of homeowners who is stuck with a home on which you owe more than the property is worth, however, the feeling of helplessness can be overwhelming and frustrating.

CLAIM YOUR TICKET TO FREEDOM!

As a Certified Distressed Property Expert (CDPE), I make it my business to know all of the ins-and-outs of the options that are available for people who are in danger of losing their homes and help the challenges head-on.

Take a look at the information on this site and then Contact me today to schedule a free, confidential consultation.

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

ATTENTION Distressed Homeowners

Attention Distressed Homeowners: Avoiding Foreclosure Is More Important Than Ever!

On January 1, 2013, Congress passed an extension of the Mortgage Forgiveness Debt Relief Act. The extension of this act, which has saved homeowners more than $1 billion dollars in taxes, is great news for struggling homeowners nationwide.

For another year, distressed homeowners can pursue foreclosure alternatives, such as loan modifications and short sales, without paying potentially thousands of dollars in taxes on forgiven mortgage debt.

To learn more about the Mortgage Forgiveness Debt Relief Act and foreclosure alternatives, browse the information on my site and download a copy of my free report entitled "Attention: Distressed Homeowners! Congress Renews Critical Homeowner Relief Program!"

If your or someone you know is facing foreclosure, contact me for a free, confidential consultation, and I'll help find the best possible solution.

Is your Mortgage out of Balance with Your Budget

Is your Mortgage out of Balance with Your Budget?

Today's homeowners have a lot to fear. Budgets are tight and it doesn't take much before "barely getting by" tips into avoiding collector's phone calls, sleepless nights and falling further behind.

Many homeowners don't think it's possible to tip the scales back in their favor so they simply give up.

You do not have to lose your home to foreclosure!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am uniquely qualified to help homeowners as they attempt to bring balance back to their budgets.

If you, or someone you care about feels like the scales are weighted against them and need help, contact me today for a confidential consultation!

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

ILIANA IVANOVA
(954) 655-7375