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By Ruspini Realty | Broker in Greenwich, CT

    Posted Under: Foreclosure in Shelton  |  March 30, 2010 4:58 PM  |  1,168 views  |  No comments

    Did you know the Federal Government recently signed into LAW…


     To: Whomever this may concern 02/06/2010 If you’re at least 30 days behind on your mortgage,  then your mortgage company is willing to consider completely forgiving a significant portion of your mortgage debt (provided you go through the proper process).  The portion they forgive, under H.R. 3648, is NO longer counted as personal income and CANNOT be taxed by the federal government! 

    So if you are behind on your mortgage, I’d like to introduce you to the light at the end of the tunnel…Program 3648.  Program 3648 is a free nationwide initiative whose mission is to: 

    1. Help homeowners receive the mortgage debt forgiveness this new law encourages.
    2. Rescue as many homeowners from public foreclosure as possible.

     You’ll be pleased to know that under PROGRAM 3648: 

    1. You receive all services, consultation, and information absolutely FREE.  Guaranteed!
    2. You’re assigned a certified program administrator to do all the work for you.

     I am actually the certified program administrator in Fairfield County Connecticut I  have been assigned to do all the work for you.  My team is currently helping hundreds of homeowners receive the debt forgiveness they need to stop a potential public foreclosure! 

    Now if you’re like me, you’re skeptical when someone claims to offer everything for free.  These days, most people claiming free services have hidden costs that pop up somewhere.   Well I’m pleased to inform you that is not the case with Program 3648.  At no time will you ever be charged one penny.  

    As you can imagine, we have limited capacity to help homeowners for free.  So those that call right away are usually the only ones that get helped. 

    I cannot emphasize enough that time is of the essence.

    The longer you wait the less likely I can help you! 

    Call or Email now and I’ll get right to work for you!!

    203-410-9484 or Email: Jennifer@ruspinirealty.com  

    Jennifer Ruspini, Certified Program 3648 Administrator

    SFR – Certified Short Sale & Foreclosure Resource 
  • How do I purchase a foreclosure in my neighborhood?

    Posted Under: Foreclosure  |  June 21, 2009 10:23 AM  |  1,242 views  |  No comments

    A qualified real estate professional can help.  You may have a close friend or relative in real estate, but if that person doesn’t know anything about short sales or foreclosures working with him or her could be a frustrating.

    Find a local Realtor in your area, that is qualified he or she has access to the bank own properties via the MLS.  Bank owned properties are listed on the MLS your Realtor is a member of the MLS.  Are you looking to buy a new home? Are you thinking that now's a great time to find bargains? Before you make an offer, it pays to know a little about the seller's situation.

    I thought this might be able to help you understand the difference between foreclosed property and short sale.  If a home is being sold for below what the current seller owes on the property—and the seller does not have other funds to make up the difference at closing—the sale is considered a short sale.

    A short sale is different from a foreclosure, which is when the seller's lender has taken title of the home and is selling it directly. Homeowners often try to accomplish a short sale in order to avoid foreclosure.

    Jennifer Ruspini,Broker
    Ruspini Realty, LLC
    Greenwich, CT

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