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HAPPY NEW YEAR! 2013 BREAKING NEWS!

Happy New Years! The Mortgage Forgiveness Debt Relief was extended for another year. The expiration date is December 31, 2013.

If you sell your home for less than what you owe, Short Sale, you were liable for the difference on what you owed and what was forgiven.

The Mortgage Forgiveness Debt Relief Act of 2007, essentially wiping out this liability for homeowners that successfully complete a Short Sale and Foreclosures. This bill was signed by President Bush back in 2007.

Homeownership Bills of Rights is in effect - now that iti s 2013. This includes, but limited to:

Dual Tracking is stopped! If doing a Loan Modification or a Short Sale - a foreclosure cannot be done at that time. You can only have one process going on at one time.
No more Robo Signing
Single Point of Contact for Loan Modification and Short Sales.
Borrowers can now sue loan servicers if they think that they have been violated. If they feel that loan servicer has violated any foreclosure laws on their file.

In a words - delays in favor of the homeowner!

Happy New Year!

<div>
	
		HAPPY NEW YEAR!    2013 BREAKING NEWS!
</div>

	Happy New Years!  The Mortgage Forgiveness Debt Relief  was extended for another year.  The expiration date is December 31, 2013.

	If you sell your home for less than what you owe, <a href="http://centralvalleyshortsalespecialists.vsites.com/" target="_blank">Short Sale</a>, you were liable for the difference on what you owed and what was forgiven.

	The Mortgage Forgiveness Debt Relief Act of 2007, essentially wiping out this liability for homeowners that successfully complete a <a href="http://centralvalleyshortsalespecialists.vsites.com/">Short Sale</a> and Foreclosures.  This bill was signed by President Bush back in 2007.

	 

	Homeownership Bills of Rights is in effect - now that iti s 2013.  This includes, but limited to:
<ul>
	<li>
		Dual Tracking is stopped!  If doing a Loan Modification or a Short Sale - a foreclosure cannot be done at that time.  You can only have one process going on at one time.</li>
	<li>
		No more Robo Signing</li>
	<li>
		Single Point of Contact for Loan Modification and Short Sales.</li>
	<li>
		Borrowers can now sue loan servicers if they think that they have been violated.  If they feel that loan servicer has violated any foreclosure laws on their file. </li>
</ul>

	In a words - delays in favor of the homeowner!

	 

	 

	Happy New Year!

The Mother & Daugther AND Short Sales!

Generally, the homeowner/borrower will present a hardship and the home will be upside-down and that homeowner/borrower will hire an agent to list and sale their property short of what is owned on their mortgage. It will be up to the Lender to say yes or deny you for your short sale request. The process is not a clear path by just asking and getting a short sale approval letter – it is possible to receive an approval.

Short sale is one way you can avoid a foreclosure. While you will still have to leave your house, you will not have a foreclosure appear on your credit history and you will avoid the potential public sale or auction of your house. Additionally, you will have more control over the timing and manner in which you leave your house. Our goal is assist you to help you avoid foreclosure – we educate you on how to do a graceful exist.

Defining a short sale
A short sale is a commonly used alternative to foreclosure. Generally, when putting your home on the market, the goal is to market and sell your house for an amount greater than any and all outstanding liens against the property.

If you can no longer afford to make your mortgage payments and your house is worth less than you owe, a short sale allows you to sell your house at the current fair market value. You then have an option to move to a more affordable situation. In a short sale, the investor or owner of your loan must approve the sale because they are entitled to repayment of the loan and will be receiving less than the amount owed.

The Mortgage is a lien and if you have additional liens on your property with other lenders, such as a home equity loan. A second is a lien and you must get approval from that second lienholder as well. All investors must come to an agreement in order to complete the short sale. This process takes time, and you will need to ask your bank if you eligible.

Why should I consider a short sale?
In addition to settling your mortgage debt for less than you owe, you may be eligible for a Relocation Assistance program that will financially help you with moving costs. While not all banks offer relocation, some banks do offer this incentive.

You can also avoid a public eviction notice in the newspaper and sign on your front door. Additionally, you can list and sell your property, allowing you to avoid foreclosure, eviction and a public sale or auction of your house. If you are considering a short sale in any way, please do not hesitate to give us a call at 209-910-3706 or you can leave us a message on the website.

What are the different types of Short Sale Processes or are they all they same?
Typically a short sale is a short sale, but there are different types of short sales offered by different lenders. Banks are working harder at finding alternatives to foreclosure and therefore they will work with their investors that actually own the property to see if there are other short sale options that will match a homeowner’s specific situation.

Keep in mind: Circumstance, hardship, documentation and investor (owner of property) guidelines are key factors

Generally, the homeowner/borrower will present a hardship and the home will be upside-down and that homeowner/borrower will hire an agent to list and sale their property short of what is owned on their mortgage. It will be up to the Lender to say yes or deny you for your short sale request.  The process is not a clear path by just asking and getting a short sale approval letter – it is possible to receive an approval. 

	Short sale is one way you can avoid a foreclosure. While you will still have to leave your house, you will not have a foreclosure appear on your credit history and you will avoid the potential public sale or auction of your house. Additionally, you will have more control over the timing and manner in which you leave your house.  Our goal is assist you to help you avoid foreclosure – we educate you on how to do a graceful exist.

	Defining a short sale 
	A short sale is a commonly used alternative to foreclosure. Generally, when putting your home on the market, the goal is to market and sell your house for an amount greater than any and all outstanding liens against the property.

	If you can no longer afford to make your mortgage payments and your house is worth less than you owe, a short sale allows you to sell your house at the current fair market value. You then have an option to move to a more affordable situation. In a short sale, the investor or owner of your loan must approve the sale because they are entitled to repayment of the loan and will be receiving less than the amount owed.

	The Mortgage is a lien and if you have additional liens on your property with other lenders, such as a home equity loan. A second is a lien and you must get approval from that second lienholder as well.   All investors must come to an agreement in order to complete the short sale. This process takes time, and you will need to ask your bank if you eligible.

	Why should I consider a short sale? 
	In addition to settling your mortgage debt for less than you owe, you may be eligible for a Relocation Assistance program that will financially help you with moving costs. While not all banks offer relocation, some banks do offer this incentive. 

	You can also avoid a public eviction notice in the newspaper and sign on your front door. Additionally, you can list and sell your property, allowing you to avoid foreclosure, eviction and a public sale or auction of your house. If you are considering a short sale in any way, please do not hesitate to give us a call at 209-910-3706 or you can leave us a message on the website.

	What are the different types of Short Sale Processes or are they all they same? 
	Typically a short sale is a short sale, but there are different types of short sales offered by different lenders.  Banks are working harder at finding alternatives to foreclosure and therefore they will work with their investors that actually own the property to see if there are other short sale options that will match a homeowner’s specific situation.

	Keep in mind: Circumstance, hardship, documentation and investor (owner of property) guidelines are key factors

The Mother and Daughter Realty Team

The Mother and Daughter Realty Team with BMC Real Estate. Our dedication to excellence is the collaboration of high caliber, capable professionals. Our clients describe us as very professional, diligent, straightforward and committed. We always put forth a tremendous effort and is very attentive and are forthright professionals with a heart of gold.

Our Team brings a wealth of professional experience to our clients. The Mother and Daughter Realty Team’s trustworthiness, dependability and dedication to our clients are unparalleled. Their client needs are always put first. With their experience for over 7 years in the real estate industry and has successfully helped individuals and families just like you realize your real estate dreams.

Contact us

When you work with the Mother and Daughter Realty Realty Team you know your real estate needs will be handled in the most professional manner. We are always looking for the most cutting-edge technology to market our client’s homes and looks for opportunities to continue our education and grow professionally. Being ahead of the curve is what we both strive to accomplish.

Rosemary Brooks, CDPE
The Mother
209-910-3706
DRE # 01336351

D'Adrea Davie, CDPE
The Daughter
209-565-4399
DRE # 0510971

The Mother and Daughter Realty Team with BMC Real Estate. Our dedication to excellence is the collaboration of high caliber, capable professionals. Our clients describe us as very professional, diligent, straightforward and committed. We always put forth a tremendous effort and is very attentive and are forthright professionals with a heart of gold.

	 
	Our Team brings a wealth of professional experience to our clients. The Mother and Daughter Realty Team’s trustworthiness, dependability and dedication to our clients are unparalleled. Their client needs are always put first. With their experience for over 7 years in the real estate industry and has successfully helped individuals and families just like you realize your real estate dreams.

	<a href="http://motheranddaughterrealtyteam.net/ContactMeInformationFrameless">Contact us</a>

	 
	When you work with the Mother and Daughter Realty Realty Team you know your real estate needs will be handled in the most professional manner. We are always looking for the most cutting-edge technology to market our client’s homes and looks for opportunities to continue our education and grow professionally. Being ahead of the curve is what we both strive to accomplish.

	 
	Rosemary Brooks, CDPE 
	The Mother 
	209-910-3706 
	DRE # 01336351

	 
	D'Adrea Davie, CDPE 
	The Daughter 
	209-565-4399 
	DRE # 0510971

We Know Short Sales!

Go to www.motheranddaughterrealtyteam.net

A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth.In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved.

If you are underwater and have a documented hardship - Here is what we can do for you! Contact us!

The Mother and Daughter Realty Team

BMC Real Estate
6507 Pacific Av Ste 202, Stockton, CA 95207
Main Ofc: 4115 Blackhawk Ste 100, Blackhawk 94506
Stockton CA 95207
USA 209-910-3706
720-625-6158 (F)
motheranddaughterrealtyteam@gmail.com
Short Sale Certified

Main website: www.motheranddaughterrealtyteam.net

Testimonials

All I can say once again is thank-you for your service in resolving this issue in a timely manner. Sincerely,
D. M. Calderon
“I wouldn’t trust anyone else to help my family or friends find the right neighborhood to live.” "The Mother and Daughter Realty Team, I appreciate your professional approach to my questions and I really count on you for your knowledge and immediate response. Keep up the good work, from now on you will be my realtor and I will refer you to my family and friends. Good luck in your business!"
Ms Phelan
Rosemary and D'Adrea - We thank you very much for the compassion you showed us. Even though we were not looking to sell our home, you helped us negotiate with our lender and for that there are no words to say thank you enough. We appreciate you and will definitely tell our family, friends and associates about your services. You're doing a fine job. Thank you very much.
M. Lopez