Utah Short Sale Help.

Foreclosure Should be Your Last Alternative, Not Your First

Thu, 06 Oct 2011 18:42:27 GMT

Short Sales Help Utah Real Estate Home Values

Fri, 09 Sep 2011 12:59:18 GMT

Short Sales Help Utah Real Estate Home Values

Yes, as crazy as it sounds Short Sales actually help to stabilize the prices in a neighborhood. Short Sales tend to sell closer to market value versus a foreclosures.

Short-sale homes often remain occupied until sold. This tends to retain values better than those that go through foreclosure. That helps values of neighboring homes.

In the second quarter, short-sale homes sold at a 21% discount to non-foreclosure homes, while bank-owned homes went at a 40% discount, as reported by RealtyTrac. Borrowers may qualify for new mortgages sooner after a short sale than after a foreclosure.

Banks have found that it costs them less to work with the homeowners on a Short rather than taking the home back as a foreclosure. "Short sales are a very positive solution," says Bank of America Vice President Dave Sunlin.

Do you know someone that needs help with a Short Sale in Utah?

If you know someone who owes more on their home than what it is worth and can no longer afford the mortgage payments, please let them know I can help. Having the right person navigate a distressed homeowner through the short sale process in order to avoid foreclosure is key to completing a successful transaction. Linda Bills is a CDPE Certified Distressed Property Expert, SSS, Short Sale Specialist

Visit our website at www.ShortSaleUT.com for free information and reports.

Or call us for a free confidential consultation.
Linda Bills 801-347-3384

Banks Are Processing More Short Sales

Mon, 29 Aug 2011 11:11:14 GMT

Banks are processing more Short Sales

Banks are processing more Short Sales (when lenders allow financially strapped borrowers to sell homes for less than their unpaid). The banks have found that it costs them less to work with the homeowners rather than taking the home back as a foreclosure.

The banks have systems in place and the process is getting better but one of the biggest problems is the length of time it takes to actually get an approval on a short sale. Buyers get frustrated and walk away from the deal before the bank finally gives an approval.

Bank of America, the largest home mortgage servicer, expects to complete more than 100,000 short sales this year — more than double what it did in 2009, the bank says.

Wells Fargo Senior Vice President J.K. Huey says short sales have been "steady to slightly" up in recent months, partly because there are fewer bank-owned houses for sale in some markets, and that has forced buyers to pursue more short-sale properties.

Some short sale transactions fail because homeowners aren't eligible since they can still make payments. Others fail because the offer price is too low. In most states, lenders can try to recoup short-sale losses from homeowners unless balances are forgiven. At BofA, Sunlin says balances are forgiven more than half the time.

Another reason a short sale can fail is because the package sent to the bank is incomplete or not packaged properly. Knowledgeable and experienced Short Sale agents know exactly what to send to the bank and as a result get more Short Sales closed.

Do you know someone that needs help with a Short Sale in Utah?

If you know someone who owes more on their home than what it is worth and can no longer afford the mortgage payments, please let them know I can help. Having the right person navigate a distressed homeowner through the short sale process in order to avoid foreclosure is key to completing a successful transaction. Linda Bills is a CDPE Certified Distressed Property Expert

Visit our website at www.ShortSaleUT.com for free information and reports.

Or call us for a free confidential consultation.
Linda Bills 801-347-3384

Short Sale Scams in Utah?

Thu, 25 Aug 2011 17:35:00 GMT

Seller Beware - Short Sale Scams - Utah

Freddie Mac is reporting an increase in short sale fraud and is reaching out to the real estate community to educate them about the signs of short sale fraud and ask for their help in reporting it when they see it. Freddie’s investigation unit is reaching out to REALTOR® associations through seminars and articles in educating real estate professionals to better detect short sale fraud.

If you or someone you know is in a situation that they are considering a short sale then PLEASE contact a professional to handle the transaction for you.

We are experienced Short Sale professionals that know how to keep you safe and see you through a successful short sale transaction.

SSS - Short Sale Specialist in Utah
CDPE - Certified Distressed Property Expert.

Short Sale Vs. Foreclosure

Mon, 08 Aug 2011 21:28:44 GMT

Short Sale vs. Foreclosure

Should I do a Short Sale or a Foreclosure?

This is the one question that I am asked more often than any other question. And it's no wonder. There is so much conflicting information available to homeowners.

There seems to be no end to the debate of whether a short sale or foreclosure is a better decision for homeowners who can no longer afford their mortgage payments. For many, the anxiety of dealing with this challenge is so overwhelming that they give up and let their home fall into foreclosure. This is unfortunate. Weighing the benefits of a short sale when compared to foreclosure may have led to a decision that would have secured a brighter future.

I want distressed homeowners to be able to make an educated decision about how to proceed when faced with this challenging situation. That’s why I’ve developed a special report that outlines the differences between a short sale and a foreclosure. Get your FREE report now: Short Sale vs. Foreclosure Report.

Guiding Distressed Homeowners Through This Challenge

If you know someone who owes more on their home than what it is worth and can no longer afford the mortgage payments, please let them know I can help. Having the right person navigate a distressed homeowner through foreclosure avoidance is key to providing for a financially and emotionally stable future.

Visit our website at www.ShortSaleUT.com or call us for a free confidential consultation.
Linda Bills 801-347-3384

The Stress of an Unaffordable Mortgage Payment

Mon, 01 Aug 2011 20:51:02 GMT

The Stress of An Unaffordable Mortgage Payment

Do you feel like you are at the end of your rope? Whenever I research the latest foreclosure and distressed property statistics, the sheer number of Americans facing the stress of losing their homes amazes me. It is my goal to help as many homeowners I can either stay in their homes or relieve the burden of their mortgages. Knowing that there are so many that need my help is a driving force for me to continue doing what I do.

In fact, I just released another report that I’ve made available on my website today. It explains 10 options that homeowners can take advantage of to relieve the stress that comes with owing their mortgage lenders more money than they can afford to pay. You can download your free report at www.ShortSaleUt.com.

The report also draws a contrast between short sales and foreclosures. Unfortunately, there’s a growing trend of “strategic defaulters” who think it’s smart to let their home go into foreclosure. As any one who follows this blog knows, there is nothing strategic about foreclosure; it’s one of the most long-lasting, negative financial challenges you can go through.

I’m excited about acting as a resource for more homeowners who have questions about what they should do. If you or someone you know needs my help, you can contact me immediately 801-347-3384 or email your question to Linda@LindaBills.com.

You have questions . . . We have answers.

How to Sell a Short Sale Listing

Sat, 30 Jul 2011 19:45:08 GMT

How to Sell a Short Sale Listing

Sometimes I am amazed at the terrible condition of some of the Short Sale listings that I show to my buyers. Some Sellers believe that just because their home is a short sale they don't have to cliean it up or stage it to show at its very best.

This couldn't be further from the truth. These homeonwers are the ones that really need to sell quickly before they lose their home to foreclosure. As a Certified Distressed Property Expert (CDPE) i can tell you that a home that is clean and smells fresh will sell every time over the one down the street that you need a shovel just to clear path through the proeprty.

Here are some inexpensive tips to make your home show at its very best.
•Paint the trim and front door
•Plant flowers and pull weeds
•Clean the downspouts and gutters
•Clean the screens and wash the windows
•Pressure wash the sidewalk and driveway
•Mow grass and apply new bark mulch
•Replace outside light bulbs
•Wash the house exterior or repaint if needed
•Clean or replace house numbers
•Remove all cobwebs and spray for pests
•Consider the smell of the home—candles and air freshener can help
•Replace light bulbs, clean blinds and drapes and windows
•Clean the carpets if needed
•Paint or wash walls
•Clean doors, cabinets and closets
•Dust the home and remove cobwebs way up on the ceiling
•Clean all appliances
•Paint or clean baseboards
•Re-caulk bathtubs and showers
•Replace cracked or damaged outlet covers

You are in competition with every other listing on the market. With a little time and effort your home will shine as the best choice for the buyers that are looking for their new home.

For more information on selling a Short Sale Listing visit our web site at www.ShortSaleUt.com or contact Linda Bills directly at 801-347-3384.

Short Sales - Utah CDPE Certified Distressed Property Expert

Wed, 27 Jul 2011 20:37:22 GMT

The current U.S. housing market and financial crisis have caused tremendous stress and heartache for families across America. If you or someone you know is among the millions today affected by the prospect of foreclosure, understand that you are not alone

Unfortunately, too many homeowners facing foreclosure proceed without the assistance or advice of real estate professionals. Now more than ever, you need to find an advocate for you and your family's interests, one who is prepared to handle your specific needs.

Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don't risk your financial future and the potential sale of your home with an agent who does not have all the solutions.

CDPEs fully understand that saving a home can save a life, which can save a family, which can save a future.

Linda Bills is an Advanced CDPE Certified Distressed Property Expert helping Utah home owners who find themselves facing difficult times. Call Linda Bills today to discuss your options. 801-347-3384

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are praying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Short Sales vs Foreclosure

Short Sales vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Linda Bills
(801) 347-3384

Don't Walk Away From Your Mortgage

Stop Don't Walk Away From Your Mortgage

At a Crossroads?

Walking away or "strategically defaulting" on your mortgage is not the answer. You will find that there is nothing strategic about foreclosure, especially when there are solutions to avoid it.

You should know that you have options, and that you are not alone. More than 25% of American homeowners now owe more than what their homes are worth, and millions more are having a hard time paying their mortgages.

I've developed a free, detailed report on foreclosure alternatives you can download below. Download it today and give yourself a green light for a solid financial future.

The sooner you take this step, the more time you'll have to act and move toward a more promising tomorrow.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send."

I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click Send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.