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Aneta Ivanova's Blog

By Aneta Ivanova | Agent in Las Vegas, NV
  • What to do -free reports

    Posted Under: Home Selling in Las Vegas, Home Ownership in Las Vegas  |  December 7, 2012 3:14 PM  |  332 views  |  2 comments

    **Short Sale Secrets**
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    Our free series of reports will
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    lasvegashomeownershelp.com
  • It can happen quickly.

    Posted Under: Home Selling in Las Vegas, Foreclosure in Las Vegas, Home Ownership in Las Vegas  |  July 2, 2012 9:41 PM  |  258 views  |  2 comments

    It can happen quickly.

    An expensive car repair, an emergency, an unexpected illness– just a couple of little things and the life you’ve worked so hard to build and your finances can begin to feel completely out of balance.

    No one is immune from the housing crisis in this country. The foreclosure crisis has hit every income, every region and every education level. Take a look at some of these numbers:

    •Number of consecutive years home prices have fallen: 5

    •Number of homes lost to foreclosure since 2007: 7.9 million.

    In 2011, 1.9 million homes were foreclosed on. In most economic times, that would be a lot of homes, but that was actually the lowest number of foreclosures since 2007.

    When you find yourself in financial distress because of an unaffordable mortgage it can make you feel like the scales are tipped against you and that there is no way out.

    You have options.

    Real estate professionals who have earned the Certified Distressed Property Expert (CDPE) designation are on a mission to help you. They are specifically trained to provide you with options and help you avoid scams.

    REMEMBER: DOING NOTHING DOES NOT SOLVE ANYTHING!

    Foreclosure results from non-payment of a mortgage and is the final step in a delinquency proceeding. Far too often, homeowners don’t reach out for help before letting this happen.

    The unfortunate fact is that there’s a lot more to foreclosure than losing your home. Foreclosure carries long-term consequences. It affects your credit. After foreclosure it will be 7 years or more before any bank will consider letting you buy a home again.

    The fact is foreclosure almost never needs to happen— especially today.

    When you contact a CDPE, he or she will go over your options to avoid foreclosure. Here are some of them:

    Reinstatement

    Was the reason you missed your payments temporary and now the issue has been resolved? If you can make a one-time payment that includes all missed payments, legal fees and late fees, you are eligible to be reinstated back into your loan agreement.

     

    Forbearance or Repayment Plan

    If the hardship which caused you to miss your payments was temporary but you cannot afford a payment to qualify for reinstatement, you may be able to negotiate a forbearance or repayment plan. In this case, you may be able to pay the missed payments over time, or the payments can be placed at the end of the scheduled loan amortization.

    © 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

    If you are no longer able to make your home payments, and you owe more on your mortgage than your home is worth, you’re in good company. An estimated one-fourth of all U.S. homeowners are Upside Down on their mortgage—meaning they owe more on their home than they could get from selling it in today’s market. Often the best solution for homeowners in this situation is a short sale in which the bank agrees to accept less than is owed on the mortgage. The bank doesn’t want to foreclose on your home and short sales are more common than ever before. The situation is complicated and the stakes are high. Never has it been more important to have a local market advocate on your side.

    Contact me today and let’s get started!

    IS A SHORT SALE FOR YOU?

    IS YOUR MORTGAGE OUT OF  

    BALANCE

    WITH YOUR BUDGET?

    Aneta Ivanova

    Exit Realty Imoti

    8260 W. Charleston Blvd., Las Vegas, Ne 89117

    (702) 306-4917

    Aneta_Ivanova29@yahoo.com

    http://lasvegashomeownershelp.com

     

    PLACE YOUR CONFIDENCE IN CDPE

    With the right assistance, the stress of facing foreclosure becomes manageable. CDPE-designated agents have received the knowledge and training necessary to assess all possible foreclosure alternatives and pursue homeowners’ best options. A CDPE-designated agent attends several days of intensive, thorough training on foreclosure avoidance and how to negotiate short sales efficiently and ethically. The highly regarded CDPE logo means you are working with the most informed, up-to-date resource available.

    © 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

    Sell the property

    If you have equity in your property than can cure the foreclosure (and you have time to wait for a buyer) then this may be an option for you.

    Rent the property

    Renting your home might be an option which enables you to pay your mortgage. You are still responsible for all costs associated with the house including maintenance and taxes.

    Mortgage Modification

    In some cases, you may be eligible to modify your loan in a way that reduces principle or lowers payments. Some of these programs vary from bank to bank but there are also government sponsored programs which are available to help homeowners in distress.

    Refinance

    If you have enough equity in your home, refinancing may help you get back to more affordable payments. This will be determined by your credit, if you are current on your loan and how much the property is worth.

    Bankruptcy

    In some cases, bankruptcy is an option. It may stop foreclosure and allow you to reorganize your debt. The stoppage is only temporary and if you are still unable to make payments then foreclosure will go through anyway. It also makes a property much more difficult to sell.

    Short Sale

    You sell your property for less than it is worth and the bank, realizing that some money is better than no money at all, agrees to release you from your obligation to the remainder of the loan. In some cases, you are able to walk away from the loan clear of any obligation.

    Contact me today for a confidential consultation and help navigating the option that best suits your situation.

    •You are told you will get a federal incentive to walk away from your mortgage

    •You are asked to pay upfront for counseling

    •You are pressured to sign papers immediately

    •You are asked to sign your house over to a company or person who is not working with your mortgage company

    •You are asked to make a mortgage payment to someone other than your mortgage company without their approval

    •You are guaranteed a successful short sale or mortgage modification

    •They claim to be a representative of the federal government

    If you believe that you are a victim of a scam, you should

    contact the Federal Trade Commission (FTC) at:

    1-877-FTC-HELP (1-877-382-4357)

    or visit their Complaint Assistant:

    https://www.ftccomplaintassistant.gov

    Contact me today and let’s get started!

    AVOID MORTGAGE SCAMS!

    KNOW THE SIGNS:

    Provided by:

    Aneta Ivanova

    Exit Realty Imoti

    8260 W. Charleston Blvd., Las Vegas, Ne 89117

    (702) 306-4917

    Aneta_Ivanova29@yahoo.com

    http://lasvegashomeownershelp.com

     

     

     

  • Your Ticket to Freedom from Mortgage Frustration

    Posted Under: Home Selling in Las Vegas, Foreclosure in Las Vegas, Home Ownership in Las Vegas  |  July 2, 2012 9:38 PM  |  185 views  |  1 comment

    In the news, there is talk of a housing recovery. Experts feel more optimistic about the state of 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, the feeling of helplessness can be overwhelming and frustrating.

     

    Many people don’t realize that just because they are in danger of losing their home to foreclosure doesn’t mean they have to wait around for it to happen. With help, they can take matters into their own hands.

     

    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.

     

    Aneta Ivanova

    Broker Sales person

    Exit Realty Imoti

    702-306-4917

    Aneta_Ivanova29@yahoo.com

  • Escape your unmanagable mortgage

    Posted Under: Home Selling in Las Vegas, Foreclosure in Las Vegas, Home Ownership in Las Vegas  |  June 2, 2012 8:06 PM  |  212 views  |  No comments

    Escape Your UNMANAGABLE MORTGAGE

    GETTING FREE DOESN'T HAVE TO MEAN RUNNING AWAY.
    You may have been advised that walking away from your home and letting the bank foreclose is your best option.
    As a Certified Distress property expert (CDPE) , I can tell you that nothing is further from the truth.Do not lose your chance.
    I can go over your options with you. Visit my site. Download my free report entitled "Escape Your Unmanagable Mortgage" at http://lasvegashomeownershelp.com/
    Then contact me today!
 
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