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Gary Ricco's Blog

By Gary Ricco | Agent in Santa Clarita, CA

Santa Clarita Short Sale Experts | Specializing in Short Sale Negotiations

With all the misinformation available in the media and on the Internet, Saugus homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Saugus need a Saugus Short Sale Realtor with a solid understanding of:

  • Whether a loan modification is an option
  • Whether you qualify for a short sale
  • Whether the HAMP, HAFA, or "Hope" for Homeowners Plan apply to you
  • Whether the lender will sue you after foreclosure or a short sale
  • Federal Tax Liabilities Resulting from a Short-Sale/Foreclosure
  • The Impact on Your Credit Rating
  • The Effect on Your Life and Finances Due to Resulting Deficiency Judgments
  • Whether or Not Collection Efforts by Your Lender will Cease or Continue for 10+ Years 
  • The Estimated Waiting Period Before Being Able to Purchase Another Home.
    and much more

The complexity of these multi-faceted issues; require a Saugus short sale Realtor who has; intergity, experience in negotiations, sought out extensive pre foreclosure training and has successfully helped homeowners avoid foreclosure.

Completing a Loan Modification or Short Sale requires first-hand experience in, mortgage banking, underwriting, real estate finance (loan origination) and real estate sales experience(Realtor® experience).

I want to caution Stevenson Ranch homeowners about real estate attorney's with years of experience in real estate law, property transactions, and bankruptcy. Often more times then not, clients are directed to a Bankruptcy to postpone the sale date, which requires the attorney collect a fee.  Do some homework on the differences of a chapter 7, 11 or 13.

Don't forget, some of these Real Estate Attorney's are the same individuals who have extensive experience as former owners of financial services companies, and real estate development companies; some of which were involved in assisting with the creation and management of banks. Many of their associates are experienced forensic auditors of mortgage companies with extensive underwriting experience and ties to the very banks that are making it difficult for homeowners to avoid foreclosure.

By selecting Saugus Realtors specializing in short sales, such as Jennifer and Gary Ricco when facing foreclosure can make all the difference. Jennifer and Gary Ricco are Certified Pre Foreclosure Specialists with a Advanced Certified Distressed Property Expert designation. Visit Santa Clarita Pre Foreclosure Specialists.com to research what option you qualify for.

Homeowners you don't have to pay additional expensive attorney fees when you can do all your research with Jennifer & Gary Ricco for free.


Jennifer & Gary Ricco Retired Police Officers, PSC, CDPE

Keller Williams VIP Properties

25124 Springfield Court Suite 100 Valencia, Ca 91355


'Quality Consulting Through Continuous Improvement'


Serving the Greater Los Angeles Area & Ventura County

License numbers 01461940, 01803395

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By Roy Bush,  Sun Jul 21 2013, 16:23
CFS Mortgage, http://www.cfsflex.com, has a flexible loan program. They allow a mortgage after a foreclosure, short sale, or chapter 7 bankruptcy. There is only a six month waiting period. This is perfect for individuals looking to become homeowners again.
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