The Real Estate Blog

Avoid Foreclosure & Bankruptcy, Save your Credit, & Walk Away with No debt  & NO Fees

If you owe more on your home than it is worth and you are having a hard time making your mortgage payments, it may be time to short sell. I can sell your home and negotiate the best outcome for you regardless what lender you have and how close you are to foreclosure. I have connections to the top negotiators with all the lenders to give your file the attention you deserve and save your credit from foreclosure or bankruptcy.

IS THIS MY DREAM HOME? If this is your dream home then maybe a modification will benefit you, but consider, a modification only temporarily lowers your interest rate but does not reduce the principle. 95% of modifications end up in foreclosure.

HOW DO I GET A FRESH START? First you need to get rid of the 800 ton gorilla (your mortgage). By doing a short sale your can reduce the impact on your credit and get back into home ownership in as little as 18-24 months.

HOW MUCH IS A SHORT SALE GOING TO COST?  You pay absolutely nothing, no commissions, no closing costs, no back taxes and no repairs.

HOW LONG WILL THIS BE ON MY CREDIT?  A short sale will typically show on your credit for up to 24 months, a foreclosure 5-7 years and bankruptcy is 11 years PLUS!

WILL THE LENDER COME AFTER ME FOR MORE MONEY? If you have not taken any equity out of your property the answer is NO. If you have pulled equity out of your property the lender MAY pursue a deficiency judgement. However, we often negotiate a reduced payment and sometimes at 0% interest.

WHAT LENDERS HAVE YOU WORKED SHORT SALES WITH?  We have build strong and reputable relationships with Aurora, American Servicing Co.,Bank of America, Countrywide, Citi, SPS, First Franklin, Indymac, National City, Wilshire, Wells Fargo & Washington Mutual.

WHY THE ROZANSKYTEAM? Traditional Realtors do not have the lender relationships that we have, my concern is the outcome on your credit and to reduce any possible deficiency amount. I will give you the personal attention and respect you deserve, you are my client and I have a fiduciary responsibility to you.  My goal is to get you qualified for home ownership again so your next home is more affordable.

 Avoid Foreclosure, Save Credit, Walk Away w/ No Debt, No Fees