Hello, we are Josh Pomerleau and Sarah Willman with Short Sale Shift. We are Minneapolis short sale agents, the top short sale specialists in the Minneapolis locale. We have been assisting lots of people through their short sales and avoiding foreclosure in the Minneapolis region. We have got roughly 25 files right now, and we are receiving calls every single day about new short sales. We wanted to have a discussion today about whether a hardship actually matters.

What is true and what is not? We get calls every day about hardship questions, but we have never taken a short sale that did not get agreed. So, it’s probably true that the hardship doesn’t truly matter. There are hundreds of hardships that we could think up. However, at the end of the day, we merely have to show the bank that a short sale is going to get them more money than if they take the property to foreclosure.

The number one thing at the end of the day is your financial document. The hardship is irrelevant at the end of the day. Your circumstances may be different from anybody else. Nonetheless, everyone has a hardship to declare.

The bank will be motivated to do a short sale if you are missing payments. If we can illustrate that you can not pay for the property, we will be dealing with a bank that is motivated to agree to a short sale. When the bank knows that they will get a lesser amount of from foreclosure, the short sale is lots better for the bank.

Thank you for stopping to chat about hardships with us at on Short Sale Shift. The hardship doesn’t really matter. Please get in touch with us today to get assistance with your Minneapolis short sale. We are the Minneapolis area top short sale experts. Thanks and have excellent day!

Minnesota Short Sale Shift can answer your questions. We are Minnesota’s Foreclosure Avoidance and Short Sale Specialists.

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Hello and welcome. Thank you for tuning in at the moment. We are Kevin Kauffman and Fred Weaver, Arizona’s premier short sale specialists. We have completed greater than 300 short sales over the past few years at a very lofty success rate. This website is to enlighten homeowners that are underwater, behind schedule on their payments or about to fall behind schedule on their payments.

We identify that funds is tight for a lot of of you. We understand that most of the clients we work with are struggling. So, we wanted to share some good news with you. This doesn’t relate to everybody, but it might apply to you.

If you have a loan that is serviced by Wachovia or a loan that is owned by FHA, you have the chance to receive recompense after completing a short sale. We had a customer receive $5000 from Wachovia after closing a short sale. They call it a seller incentive. That is staggering.

So, if you have a Wachovia loan, short sale is something that you ought to contemplate. It can not just relieve you of your payment, but it can also leave some cash in your pocket.

One of the additional things is the FHA loan. We have done several of these over the previous few years. They will incentivize the sellers by $750 for closing a short sale. However, if you complete the short sale in less than 90 days, they will up that amount to $1000. We have had multiple sellers receive $1000 for closing a short sale.

If you are considering a short sale with an FHA loan or Wachovia loan, please contact us today. You may end up with an extra $1000 to $5000 in your pocket. If you have questions about this, fill out the form on our website and let us speak with you today. We would be happy to answer several of your questions and help you figure out if you meet the criteria for any of these incentives. We look forward to speaking with you shortly.

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Hello, we are Derick and Andrea with the Capstone Team, your Bay Area short sale realtors. Today we are going to elaborate on unexpected expenses that can upset your Bay Area short sale. We have touched on it in a previous video, but we really want to educate the people about what they have to know in order to have a victorious short sale.

The most vital thing is to notify your realtor. If you haven’t been paying your taxes or your HOA dues you should inform your realtor. The easiest way to verify whether your taxes have been paid is to go to the county and pull up the county tax records. Another thing that we are seeing recently are violations. For instance, in the city of Oakland you must have waste services even if you are no longer living in the home. Also, people are dumping their garbage on their property. If the city sees that, it is a violation. So you want to keep an eye on the property.

Also, HOA fees are a dilemma. Sometimes you can negotiate with the HOA companies for a smaller amount. The way to verify if there are any violations is to pull the preliminary title report or go to the county recorders bureau.

Another piece that comes up in certain cities are permit concerns. Now and again the city won’t even let you close on a house if there are permit issues. Any code infringement can be a setback. If you are concerned about this, you can go to the county recorders office and they ought to have these problems on file.

The key is to learn if any of these problems exist on the home. You, as the seller, will run the risk of your Bay Area short sale transaction falling apart. Hopefully this gives you some ideas as to what you should think about ahead of time.

If you have any questions please feel free to get in touch with us. We are the best Bay Area short sale realtors. We look forward to talking with you soon.

The Capstone Team can answer your questions. We are Bay Area Foreclosure Avoidance and Short Sale Specialists.

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Good afternoon, Steve Horn with ShortSalesDoneEasy.com, your Mesa short sale specialist. I have recently returned from Keller Williams Mega Agent Camp in Austin, TX. It focuses on the uppermost leaders of our business and it gave us several wonderful ideas as we look to help home owners in Paradise valley evade foreclosure.

I’ve decided to add two more negotiators to our short sale team to make certain we are closing files in a timely manner. Each negotiator will be handling 20 files a piece. Having these negotiators on my squad is one of the reasons why I am one of the best short sale specialists in the Tempe area. If you are hiring a real estate specialist that is outsourcing their negotiations, it’s maybe not the right choice. There are lots of negotiation companies out there and they are not accountable to anybody. My negotiators are held liable and that makes them incredibly successful.

Check out shortsalesdoneeasy.com and click on the short sale survival guide. That will prompt me to call you personally and talk about where you are at in the short sale route. I love educating my clients as to the short sale process and the value of a short sale over foreclosure.

I won’t be giving you legal or tax information, but I will educate you and let you make the decision. You can be expecting that i will be very straight forward with you, because each position is different. While I have had great success in Paradise valley as a short sale specialist, I recognize that this choice is yours. I enjoy being able to educate clients and help them figure out which choice is correct for them.

If you are a purchaser or a seller you might want to check out our monthly short sale seminars. They are now being streamed live by means of our website. Thanks for checking us out these days.

Arizona Steve Horn Team can answer your questions. We are Arizona’s Foreclosure Avoidance and Short Sale Specialists.

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Kevin is joined by a couple of the best specialists in the short sale industry, Josh Pomerleau and Sarah Willman. Josh and Sarah are the best short sale agents in Minnesota. Short sales did not show up 2 years back in Minnesota like they did with Arizona short sales. They are presently beginning to grow in numbers. No one was trying to help property owners in the Minnesota market. As a result, Josh and Sarah took command of the situation.

Through the process, they learned that dealing with someone else initially was a huge benefit. After they got comfortable with the procedure, they put good systems in place to handle as many as 25 to 30 listings at a time. When you get the method down the short sale really becomes a transaction like any other. Even though there are challenges in the short sale, when you have a method in place and a clear frame of mind about not accepting ‘no’ for an answer, the short sale method is easier. With a goal of closing 100 short sale listings, Josh and Sarah realize that the system they have put in place will help them reach that goal.

However, knowing that they can’t get to 100 completed listings without lead generation, Josh and Sarah utilize a couple strategies that have worked well for them. First, bankruptcy attorneys and lawyers in general are a great source of leads. Especially with higher end customers, when considering a short sale, the first person a higher end client turns to for guidance is their attorney. Secondly, because of their skill, Josh and Sarah get several referrals from other agents.

Your system, mindset, and lead generation are the main keys to success with a short sale business. Having a team to work with is also a incredibly significant part of success.

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We are Group 4610, Arizona’s Premier short sale group. Short Sales in Arizona are our concern. We frequently get questioned about why we are the best short sale agents in Arizona. Essentially, what seperates us from other agents in this Arizona short sale market?

I had a recent situation where a pal was going through a short sale and wanted a little guidance as to what to do with a short sale at Bank of America. I coached her a little bit and gave her some ideas to pass on to her short sale realtor. Ultimately, if you are having problems escalate to somebody higher up at the bank.

After getting off the telephone with her, something dawned on me. I should have told her something else. It is not about what we do. Don’t get me wrong. We have fantastic techniques and we have great relationships inside the lender. When we ask for something, they are aware of who we are and they respond to us. This happens because they recognize that we close short sales. We aren’t there to waste anybody’s time.

Ultimately, our accomplishment is a unequivocal product of our mindset. Short sales are intricate transactions. They are not like the conventional real estate transactions. Finding answers to problems, no matter the conditions, is what we do best. Our deepest committment is our target and, in turn, your outcome.

If you choose to work with us, know that when you enter into a relationship with us we take that very seriously. Our deepest committment is to get your short sale done effectively. We have a mindset that we are going to get the work done and help you avoid foreclosure. There are problems that arise in this procedure all the time. Nonetheless, we choose to conquer those problems.

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Get more information on selling your home from Kevin and Fred at My First Short Sale by the Short Sale Specialists of Arizona

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Today is mindset Monday and we haven’t had any new legal action. So, evidently, it is a nice day. Today’s frame Of Mind message revolves around a friend of Fred’s who is attempting to get a short sale completed on the east coast. She asked some very incisive questions about what Fred would execute in her current state. He noted that he would be persistent and telephone every day. What Fred realized after the call was that she was looking for a How-to, but she could execute the How-to and still not get the transaction completed.

Fred had a insight. It is not about what you do, but it’s about your frame Of Mind behind what you do. It is about what you actually believe at your center. Brian Klemmer, a personal development guru, has a magnificent book called “If How- To’s Were Enough, We Would All Be Skinny, Rich, and Happy.” It isn’t about what Fred would execute in this state. It is about his mindset that he already sees the job as completed.

Your deepest commitment will equal the result. Many times the short sale isn’t about escalating or stacking your folder in a particular order. If you decide to get the job done, no matter what the difficulty is, you will do well.

Even though you may know lots about short sales, the process does not have to look the way you want it to look. If you find yourself asking how to execute something, you ought to step back from the situation and ask why. You need to recognize what your deepest commitment is in life. Everyone of us has competing commitments in life. For instance, Fred has a profound commitment to workout, but he also has a deep commitment to chomp chocolate. Depending on which commitment is deepest, the outcome will differ. So, identify your deepest commitment and you will make real the outcome from that commitment.

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Often times we giggle during this show, but we have to maintain a encouraging approach because reflects on our firm and we want to keep that optimistic attitude to deal with the bank and get short sales completed fast. So, whereas we have to be hard with them, we try to sustain a positive approach.

This is true with GMAC, which is our new preferred bank after venting yesterday in relation to Wells Fargo. GMAC is utilizing Equator which is a short sale file management system which helps dialogue between us and the bank. It is awfully effective. We are working on a folder that is moving as quick as we have ever seen. They did send us a counter offer that was a tad high, but on the whole, GMAC has been extremely easy to deal with. We had the property listed at that price for close to a month. So, today we do love GMAC. We just want you to understand that there are upbeat things happening at the bank.

When we get an offer that nets them a decent percentage of what they are losing we have a improved chance at closing the folder. If you are an agent, one of the most significant things is to realize is what the BPO comes in at. They have been telling agents the percentages that they are trying to net recently. So, if you recognize the BPO and you know what percentage the lender is attempting to recover, you will be ahead of the game. You will also know whether you need to dispute the folder and get it closed in a timely way.

Thanks for tuning in to Short Sale Shift. If you have a home that you would like to short sale in Minnesota, please don’t hesitate to phone us today.

Minnesota Short Sale Shift can answer your questions. We are Minnesota’s Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Josh and Sarah, at Short Sale Shift presented by the Short Sale Specialists of Minnesota

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Mindset Monday brings us a discussion regarding the mindset of achievement. In the last few weeks, Kevin and Fred have jumped back into the trenches taking on more records than ever before. In the preceding three weeks, Kevin and Fred have gotten 16 short sales accepted. We don’t point that out to demonstrate how remarkable we are. However, we bring this to your concentration so that you can appreciate that there is a mindset to our success.

There is a mindset that the deal will be accepted when we want it to be approved. We get questioned in our classes on a regular basis about the things that we do in our own business. It is vital to understand that we put into practice the exact same methods that we educate in other realtors. There is nothing that we teach in class that we don’t use in our own company.

We want you to appreciate that we jumped into some files that were in tough spots. Nonetheless, we didn’t allow defeat. We set a plan to be successful and we go after it. A remarkable example of this successful mindset is the commission quarrel that Fred won today.

There is an aggressive domineering way to force your will without running people over or humiliating them. Sometimes it is just a matter of running through the clutter. If you don’t take a dominant stance, there is a home owner on the other side of this business deal that will lose their house. That home owner’s life and financial future is depending on whether or not you can wrap up a short sale. When you take on a customer in a short sale, you have to put that person’s needs in front of your own. When you don’t inflict your will and do that, you will be typical like everyone else.

One last word of advice for you. When your negotiator asks for something, give it to them ASAP. Be strong with your route and strong-minded from the start and you will have an easier time completing short sale deals in the end.

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We have some good material today. Reading the New York Times this morning, we noticed that we are hearing the expression “strategic default” a lot more lately. Strategic default is basically letting your home go into foreclosure. The home owner decides not to make payments because the worth of your house has gone downhill. The home owner might also not be making payments because in the end they will not be able to make payments. So they are just speeding up the foreseeable.

Core Logic came up with some interesting data on what the rich are doing with their cash and what some of the middle class are doing with their money. More than one in seven home owners with million dollar loans are seriously deliquent. Below a million dollars, the figures are just one in twelve homes. Core Logic chief economists believe that the affluent are a little more brutal. Fannie Mae and Freddie Mac are begging home owners to keep making their mortgage payments, but the affluent are not compelled to do so.

Investment houses with an initial mortgage over a million dollars, have a deliquency ratio is 23%. For cheaper investments the deliquency rate is around 10%. The affluent and successful are less prone to the humiliation and fear mongering used by the gov’t and mortage banking business to keep underwater home owners from acting in their financial best interest.

It is interesting that the commentary says bad things about the rich making this business choice. Many banks are addressing strategic default. We don’t make a stand on either side of it. However, the affluent are making a good business decision. If the middle class was a little more economically educated, maybe they would make the similar choice.

Minnesota Short Sale Shift can answer your questions. We are Minnesota’s Foreclosure Avoidance and Short Sale Specialists.

Get more help from short sale Realtors, Josh and Sarah, at Short Sale Shift presented by the Short Sale Specialists of Minnesota

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