Carlos

"FORECLOSURE SPECIALIST"

I'm a:	Real Estate Professional
Company:	COLDWELL BANKER WARDLEY
Location:	89128
Web sites:	ONE STOP FORECLOSURE RESOURCE

3 Answers

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About Me

I have been in the foreclosure market since 2005.
The Best Service, The Best Results
Choosing a real estate agent who has the tools, skills and experience to make your dreams come true can be as challenging as the home buying process itself. Let me make it simple for you.In this market you need an agent that has the expertise to represent you.

Free Consultation
If you are interested in buying or selling a condo, townhome, house, or acreage, I would love the opportunity to meet with you and discuss your real estate needs. Call me today or send me an e-mail. I'm waiting to hear from you!
My Commitment to You
In the least amount of time possible, I will get you the best price on a home that is perfectly suited to your needs and lifestyle, not just today, but for years to come.

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Carlos's Answers (3)

A friend of a friend etc. says he was able to delay the forclosure on his property for a year, this is

Asked Wed Jul 23 2008, 20:59 by Debi - 32825 - Foreclosure - 5 answers

Carlos answered:

Yes is very possible, But every situation is different. All banks operate differently from one another. Some banks are more inundated than others. I specialize in the foreclosure market in Las Vegas and Ive had some files that have been in foreclosure almost a year before getting finalized, either it was a short sale or a loan modification.Banks are Like a box of chocolates you never know what you ll get. A rule of thumb though, never count on that. Learn what your local laws are for the foreclosure time line and proceedings.Good luck. - Thu Jul 24 2008, 07:45

My wife and I are parting ways. We have an 80/20 on our house, but the market is at 30k less than what we owe

Asked Wed May 7 2008, 09:12 by Smith - Odenton - Home Selling - 7 answers

Carlos answered:

Do not let the banks bully you in to thinking that you cant do a short sale. The truth of the matter is that you can do a short sale. In the over all You need a expert short sale agent that can guide you thought the process. An agent that wont take no for answer from the banks. If there is a will , I can a sure you there is a way. Stand strong. - Wed May 7 2008, 09:27

What types of loan is better for me? Conventional, PFHA, FHA? I am a first time home buyer. My credit score

Asked Wed May 7 2008, 08:42 by Karen Lee - All locations - Financing - 6 answers

Carlos answered:

First time homes and FHA are a great way to start. Since the the dissolve of sub prime markets in banking, FHA has steeped in to fill the need. The guidelines for FHA are more flexible than ever before. FHA loan limit were recently raised also. With an FHA loan their loan to vale is 97%, and they do allow the other 3% to be contributed by the seller. That way you can be at 100% financed and keep your 20%. You could also have a savy agent structure an offer that also includes your closing cost to be payed by the seller.That way you minimize you out of pocket expense thought the whole process. - Wed May 7 2008, 09:09

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