Think your House is Under Water? Think again. Sell Now. Watch this video!

SLASH MORTGAGE PRINCIPAL

As a professional REALTOR, I cannot stress how frustrating it is to see so many people stressing out about their finances!  It breaks my heart to hear story after story about how home owners hit brick walls when trying to talk to their banks in an effort to find a solution to their mortgage woes.  Here is a great opportunity to avoid scams and get good information at a really low cost.  So often struggling people get taken advantage of by the scum of the earth -- promising lots of miraculous solutions to financial problems and charging these people thousands of dollars up front!  Don't fall for it.  You shouldn't have to pay for something until the goods are delivered just as Realtors don't get paid until the deal closes.  Check out the program below if you are a struggling home owner! 

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Do you feel like you are drowning in past-due mortgage payments?  Sick of the mortgage company calling?  Afraid you will get kicked out of your house any day?  Running from foreclosure?

46% of all home owners are underwater and almost as many are in default or facing mortgage loan default soon.  There is a solution. 

Since 2009 there was a lot of talk about Loan Modifications and they didn’t work for most people.  Homeowners were walking away from their homes (a really bad idea because the bank has 25 years to come after you for the debt owed and they will)!  Many home owners just like you tried to get a “loan-mod” and failed.  Not your fault.  However, an announcement was just made that President Obama plans to force banks and loan servicers to pay up.  Banks/servicers will be required to complete Principal  Reductions for hundreds of thousands of home owners.  If banks don’t comply they get stiff fines.  If they do, the government will pay them for their losses.  This is your opportunity to cash in BIG.  Your mortgage payment could literally be cut in half!

There are a few requirements.  You have to be in a financial hardship (almost everyone is).  You MUST follow strict guidelines that the banks and the government won’t tell you.  A team of experts, including high-powered REALTORS that have the experience and huge success have assembled a PRINCIPAL MORTGAGE REDUCTION/LOAN MODIFICATION GUIDE for you!  A step by step guide to successfully getting a principal loan reduction or other permanent loan modification.  STOP letting your bank strong-arm you!  Take a stand.  STAY IN YOUR HOUSE!  Do not walk away; the implications of foreclosure are tremendous.  Go to your bank and get a Principal Reduction/Loan Modification now.  Start the process TODAY!

This guide not only includes information on what you will need to provide to your bank/services but most importantly a step-by-step guide, language to use, samples, and what to do to get your loan modified.  This guide applies to home owners in all 50 States!  The banks/servicer requirements are the same for everybody.  Do not get scammed into paying $5,000 or even $2,500 to have someone do this for you!  You CAN do this yourself and save yourself literally thousands and thousands of your hard earned money over time!  This is a comprehensive guide.  We realize you are having a financial hardship.  We don’t charge thousands.  It’s only $29.95 and the comprehensive guide will be sent to you via. Overnight mail.  Don’t delay.  Send for your complete guide today!

The cost, including overnight mail is $29.95  Send your money order or certified check today to:   RediscoverU 

842 Esther Drive, Lake Orion, MI  48362

The Cold Months are a Great Time to Buy and Sell a Home

BREAKING NEWS! EASY BANK OF AMERICA SHORT SALES ...

BREAKING NEWS.  BANK OF AMERICA has not even gone public with this yet so you may be one of the first to hear ... Bank of America is already starting a new short sale program called HPO Short Sale.  This is a cooperative short sale program that is TOTALLY different than anything they have ever done before.  Here is what the program will look like.

1. A personal advocate will be assigned to the Realtor and Home Seller.  That means one-one contact with the bank advocate via phone and email.
2.  Virtually no documents are required from the seller.  WHAT?  You heard me right.  Typically, a laundry list of documents are required such as 2 months of bank statements, pay stubs; 2 years of taxes; hardship letter, etc.  NOW, NONE of that is required.
3.  REALTOR must submit a new listing agreement in which the asking price matches the sales price on the purchase agreement.
4.  Seller signs an agreement with Bank of America that states they want to complete a HPO short sale.  This letter is likely similar to if not a Short Sale Approval Letter and WILL NOT HAVE A DEFICIENCY JUDGEMENT!  AGAIN, NO DEFICIENCY!  (That is what other banks like Citi Mortgage already have in their short sale approval letters.)
5.  Once the agreement is signed and the acceptance is on file, the bank immediately orders a BPO/Appraisal but this WILL NOT impact the sale in any way!  They just need the appraisal for their file!!!!  This is huge because very often the BPO comes in higher than the offer price and the deal falls apart.

This is huge news!  This is wonderful for our economy, our real estate market and this WILL prevent many more homes from foreclosure in the future.

I am certain that I will share my excitement with thousands of other REALTORS when they learn this news.  Bank of America has a reputation of having very long turnaround times and this will streamline their process to be very short.  INCREDIBLE.  Follow my tweets @MIRealtor and watch my YOU TUBE channel PAPAGNIGROUP for more information and updates as it becomes available.  CALL ME NOW for more information 248-620-1000 or to start your own short sale.

***NOTE:  This information has not gone public yet.  Watch for stories in the news!  I know REALTORS that are experiencing the new HPO Short Sale now.  This was initiated from the presidents office at Bank of America.  *** More to come!

What is a Short-Sale?

A short sale is simply when you negotiate with your lender to accept a payoff on your mortgage for less than what you owe.  You have to list your home with a licensed REALTOR in order to be considered for a short sale.  The great news is that you don't pay REALTOR commissions...the bank pays that for you.  The bank also covers most other costs including closing costs. 

We are hosting a Foreclosure Prevention and Short Sale consumer Seminar on Thursday, Oct. 21st at 7 p.m. at REMAX Encore at 8040 Ortonville Road, Clarkston, MI  48348  Email me at PapagniGroup@gmail.com to reserve your seat or call 248-620-1000. 

For more information click on this link.  http://www.youtube.com/watch?v=FWmK3JwuSHU

We will begin production on a video series soon.  Please let us know what you want to know about most in your real estate market.