Sell Your House Fast In Arizona With SellQuickForCash.com!

Arizona Short Sale Help. Stop Foreclosure Fast With SellQuickForCash.com

2008-05-25T12:15:00.006-07:00

Do You Need Help With You Arizona Short Sale? SellQuickForCash.com Specializes In The Arizona Short Sale Process And Can Help You Avoid Foreclosure And Short Sale Your Home!

Arizona Short Sale Help - Stop Arizona Foreclosure Fast With SellQuickForCash.com

WHAT IS A SHORT SALE?

A Real Estate Short Sale refers to a lender(s) accepting a sales price that is less than what is currently owed plus all related sales expenses. So basically, a potential buyer can make an offer on the home for thousands less than what is currently owed, and get it accepted by the bank! This is common in a declining housing market and can be a win-win for both the bank and the homeowner. Home sellers should consider a Short Sale in Arizona when the value of their home is LESS than the amount of their outstanding loans. For example, if your home is worth $225,000 but you have a loan of $250,000 then a short sale is a consideration. Normally a bank will begin to look at the short sale option only if the homeowner is behind on payments and begins to face foreclosure, but not always. In rare instances, the bank will still accept a short sale if the mortgage payments are current.

The process to end up choosing an Arizona Short Sale option typically works like this:

The homeowner(s) begin to miss payments
The lender(s) try to arrange a repayment plan
The repayment plan fails or is never attempted and the bank mentions a short sale

ARIZONA SHORT SALE HELP!

Now, if you do not have to sell your home, you could wait out the market and hope for a turnaround in real estate values. However, if you do have to sell your home you basically have three options. First, you can bring cash to the table. In today's declining real estate market and using the example above, you would sell your home for $225,000 and pay another $25,000 to the lender out of your pocket to pay off the loan on your property. This does not include other selling costs such as closing costs, real estate commissions, taxes etc. Second, you could let the home go into foreclosure. The lender will go through the Arizona Foreclosure Process, force you out of your home and then auction it off to the highest bidder at a foreclosure or Trustee's auction. The third and best option is to pursue a short sale.

LET US APPLY FOR THE JOB!

http://www.sellquickforcash.com/realestateshortsale.htm has a team of highly trained short sale experts who have established fantastic relationships with most banks. We will handle your short sale transaction for you giving you the peace of mind you are searching for. The Arizona Short Sale process is NOT a "do it yourself" project. To successfully negotiate a short sale with a bank takes an experienced and highly trained real estate agent as well as a skilled negotiator. Our advanced process is extremely organized and we conduct these short sales in the quickest time possible relieving you of the fear of foreclosure! We are Arizona's Most Experienced Short Sale and Foreclosure Experts!

We Are A Member Of The BBB. We Have Many Referrals. We Are A Team Of Specialists That All Work On Your File!

CALL 602-626-3598

OR GO TO

http://www.sellquickforcash.com/shortsale.htm NOW!

April 2008 Foreclosure Rates Reach Record Highs. SellQuickForCash.com Provides Solutions To Stop Foreclosure Fast!

2008-05-15T08:17:00.007-07:00

243,353 Foreclosures Filled Nationwide In April 2008

In April, one in every 519 American households received either a default notice, bank repossession or auction sale notice, according to RealtyTrac's U.S. Foreclosure Market Report. With foreclosure filings up 65 percent from a year ago, SellQuickForCash.com takes a look at which ten states had the highest foreclosure rates.

Top 10 State Foreclosure Fillings In April 2008

Nevada - One In Every 246 Housholds Recieved A Foreclosure Notice
California - One In Every 204 Housholds Recieved A Foreclosure Notice
Arizona - One In Every 224 Housholds Recieved A Foreclosure Notice
Florida - One In Every 242 Housholds Recieved A Foreclosure Notice
Colorado - One In Every 349 Housholds Recieved A Foreclosure Notice
Maryland - One In Every 380 Housholds Recieved A Foreclosure Notice
Georgia - One In Every 422 Housholds Recieved A Foreclosure Notice
Ohio - One In Every 432 Housholds Recieved A Foreclosure Notice
Michigan - One In Every 440 Housholds Recieved A Foreclosure Notice
Massachusetts - One In Every 539 Housholds Recieved A Foreclosure Notice

Arizona Foreclosure activity in April increased 26 percent from the previous month and 181 percent from April 2007, helping to bump the state's foreclosure rate up to third highest among the states. Foreclosure filings were reported on 11,620 Arizona properties in March, one in every 224 total households. (Source: RealtyTrac.)

It is obvious to us that the number of homeowners that need a REAL SOLUTION to stop foreclosure is rising and the housing market is still declining

SellQuickForCash.com has the resources and team in place to handle any housing / financial situation. We Are Arizona Short Sale Experts! Our team of specialists are highly educated on Arizona's foreclosure laws as well as the Foreclosure Process. Arizona Short Sales (http://www.sellquickforcash.com/shortsale.htm) are our specialty and we offer a no-hassle, quick close without Realtors and the fees associated with a traditional sale. We pay cash for houses fast in the Phoenix - Metro market. We buy both nice and ugly homes and we can close within 3 days, sometimes faster or slower, depending on your financial needs. We are Arizona's #1 "Cash For Houses" homebuyer dedicated to helping families in their time of need.

http://www.SellQuickForCash.com/

INFO@SELLQUICKFORCASH.COM

602-626-3598

Foreclosure Scams To Avoid. SellQuickForCash.com Educates You On These Threats!

2008-05-10T07:26:00.005-07:00

Foreclosure Rescue Scams: Another Potential Stress For Homeowners In Distress. SellQuickForCash.com Educates You On These Threats So You Can Protect Your Family!

The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your home. Some are brazen enough to offer a money-back guarantee. Unfortunately, once most of these foreclosure fraudsters take your money, they leave you much the worse for wear.

Fraudulent foreclosure “rescue” professionals use half truths and outright lies to sell services that promise relief and then fail to deliver. Their goal is to make a quick profit through fees or mortgage payments they collect from you, but do not pass on to the lender. Sometimes, they assume ownership of your property by deceiving you, the homeowner. Then, when it’s too late to save your home, they take the property or siphon off the equity. You’ve lost your home to foreclosure despite your best intentions.

If you think you may be facing foreclosure, SellQuickForCash.com wants you to know how to recognize a foreclosure rescue scam. And even if the foreclosure process has already begun, SellQuickForCash.com want you to know that legitimate options are available to help you save your home.

The Following Is Taken From FTC.Gov Facts For Consumers Page:

How the Scams Work

Foreclosure rescue firms use a variety of tactics to find homeowners in distress: Some sift through public foreclosure notices in newspapers and on the Internet or through public files at local government offices, and then send personalized letters to homeowners. Others take a broader approach through ads on the Internet, on television, or in the newspaper, posters on telephone poles, median strips and at bus stops, or flyers or business cards at your front door.

The scam artists use simple and straight-forward messages, like:

“Stop Foreclosure Now!”
“We guarantee to stop your foreclosure.”
“Keep Your Home. We know your home is scheduled to be sold. No Problem!”
“We have special relationships within many banks that can speed up case approvals.”
“We Can Save Your Home. Guaranteed. Free Consultation”
“We Stop Foreclosures everyday. Our team of professionals can stop yours this week!”

Once they have your attention, they use a variety of tactics to get your money:

Phony Counseling or Phantom Help

The scam artist tells you that he can negotiate a deal with your lender to save your house if you pay a fee first. You may be told not to contact your lender, lawyer, or credit counselor, and to let the scam artist handle all the details. Once you pay the fee, the scam artist takes off with your money.

Sometimes, the scam artist insists that you make all mortgage payments directly to him while he negotiates with the lender. In this instance, the scammer may collect a few months of payments before disappearing.

Bait-and-Switch

You think you’re signing documents for a new loan to make your existing mortgage current. This is a trick: you’ve signed documents that surrender the title of your house to the foreclosure scam artist in exchange for a “rescue” loan.

Rent-to-Buy Scheme

You’re told to surrender the title as part of a deal that allows you to remain in your home as a renter, and to buy it back during the next few years. You may be told that surrendering the title will permit a borrower with a better credit rating to secure new financing – and prevent the loss of the home. But the terms of these deals usually are so burdensome that buying back your home becomes impossible. You lose the home, and the scam artist walks off with all or most of your home’s equity. Worse yet, when the new borrower defaults on the loan, you’re evicted.

In a variation, the foreclosure scam artist raises the rent over time to the point that the former homeowner can’t afford it. After missing several rent payments, the renter – the former homeowner – is evicted, leaving the “rescuer” free to sell the house.

In a similar equity-skimming situation, the foreclosure scam artist offers to find a buyer for your home, but only if you sign over the deed and move out. The scam artist promises to pay you a portion of the profit when the home sells. Once you transfer the deed, the scam artist simply rents out the home and pockets the proceeds while your lender proceeds with the foreclosure. In the end, you lose your home – and you’re still responsible for the unpaid mortgage. That’s because transferring the deed does nothing to transfer your mortgage obligation.

Fraudulent foreclosure “rescue” professionals use half truths and outright lies to sell services that promise relief and then fail to deliver.

Bankruptcy Foreclosure

The foreclosure scam artist may promise to negotiate with your lender or to get refinancing on your behalf if you pay a fee up front. Instead of contacting your lender or refinancing your loan, though, the scam artist pockets the fee and files a bankruptcy case in your name – sometimes without your knowledge.

A bankruptcy filing often stops a home foreclosure, but only temporarily. What’s more, the bankruptcy process is complicated, expensive, and unforgiving. For example, if you fail to attend the first meeting with the creditors, the bankruptcy judge will dismiss the case and the foreclosure proceedings will continue.

If this happens, you could lose the money you paid to the foreclosure scam artist as well as your home. Worse yet, a bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job.

Why Should You Trust SellQuickforCash.com?

-We Put Everything In Writting
-We Have Many Referrals From Past Clients
-We Do Not Charge Any Fees To Stop Foreclosure
-We Are A Member In Good Standing With The BBB
-We Do Not Charge Any Fees To Purchase Your Home
-We Spend The Time To Educate You On Your Options
-We Close Every Deal Through An Independant Third Party Title Company

SellQuickForCash.com has the resources and team in place to handle any housing / financial situation. Our team of specialists are highly educated on Arizona's foreclosure laws as well as the foreclosure process. Short Sales (http://www.sellquickforcash.com/shortsale.htm) are our specialty and we offer a no-hassle, quick close without Realtors and the fees associated with a traditional sale. We pay cash for houses fast in the Phoenix - Metro market. We buy both nice and ugly homes and we can close within 3 days, sometimes faster or slower, depending on your financial needs. We are Arizona's Premier "Cash For Houses" homebuyer dedicated to helping families in their time of need. WE ARE REAL FORECLOSURE EXPERTS WITH INTEGRITY!

http://www.SellQuickForCash.com/

INFO@SELLQUICKFORCASH.COM

602-626-3598

SellQuickForCash.com Investigates Deceptive Mortgage Advertising. How America Is Facing Foreclosure!

2008-05-07T15:29:00.003-07:00

SellQuickForCash.com Investigates Deceptive Mortgage Ads. What They Say; What They Leave Out!

So we all see those ads from Ditech.com or Countrywide.com that pitch low fixed rates, low monthly paymenst, or mortgage rates at 30 year lows. When we talk with homeowners that are Facing Foreclosure we ask them why they are in the situation they are currently in. The majority of them explain to us that their mortgage lender placed them into a bad, adjustable rate loan, a loan with a prepayment penalty, or had them maximize a HELOC (Home Equity Line Of Credit). Deceptive advertising got you in the door, and an unregulated loan officer placed you into a bad loan. Why we can only cross our fingers and hope that the mortgage industry becomes regulated, we can be proactive and unveil the mystery behind some of these deceptive mortgage ads!

The following is from the FTC.Gov website concerning mortgage advertising.

If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or in the paper, or whether they come by fax or mail, some of these ads look like they’re from your mortgage company or a government agency. Regardless of where you see the ads, remember that while the offers are tempting, some are terribly flawed: they don’t disclose the true terms of the deal as the law requires.

The Federal Trade Commission, the nation’s consumer protection agency, says that when you’re shopping for a home loan, it’s important to understand all the terms and conditions of a proposed loan. Start with what is in the ad itself. Read what’s between the lines as well as what’s in front of your eyes.

What The Ads Say

To help you recognize an offer that may be less than complete, the FTC wants you to know the buzz words that should trigger follow-up questions, as well as information to insist on after you’ve read an ad.

A Low “Fixed” Rate: Ads that tout a “fixed” rate may not tell you how long it will be “fixed.” The rate may be fixed for an introductory period only, and that can be as short as 30 days. When you shop for a mortgage, you need to know when and how your rate, and payments, can change.

Very Low Rates: Are the ads talking about a “payment” rate or the interest rate? This important detail may be buried in the fine print, if it’s there at all. The interest rate is the rate used to calculate the amount of interest you will owe the lender each month. The payment rate is the rate used to calculate the amount of the payment you are obligated to make each month. Some offers advertise a low payment rate without telling you that it applies only during an introductory period. What’s more, if the payment rate is less than the interest rate, you won’t be covering the interest due. This is called “negative amortization.” It means that your loan balance is actually increasing because you’re not paying all the interest that comes due, and the lender is adding the unpaid interest to the balance you owe.

Very Low Payment Amounts: Ads quoting a very low payment amount probably aren’t telling the whole story. For example, the offer might be for an Interest Only (I/O) loan, where you pay only the amount of interest accrued each month. While the low payment amount may be tempting, eventually, you will have to pay off the principal. Your payment may go up after an introductory period, so that you would be paying down some of the principal – or you may end up owing a “balloon” payment, a lump sum usually due at the end of a loan. You must come up with the money when a balloon payment is due. If you can’t, you may need another loan, which, in turn, means new closing costs, and potentially points and fees. And if housing prices are falling, you might not be able to refinance to lower your payments.

Mortgage rates near 30-year lows! Rates as low as 1%! You are paying too much! Who doesn’t want to reduce their mortgage payments? Loan amount $300,000 - pay only $900 per month!: Ads with “teaser” short term rates or payments like these don’t often disclose that a rate or payment is for a very short introductory period. If you don’t nail down the details in advance about your rates and payments for every month of the life of your loan, expect payment shock when the rate and payment increase dramatically.

Important Notice From Your Mortgage Company. Open Immediately - Important Financial Information Enclosed. Please do not discard - account information enclosed: Appearances can be deceiving. Mailers that have information about your mortgage and your lender may not be from your lender at all, but rather from another company that wants your business. Companies can legally get your information from public records. Before you respond to any offer, review it carefully to make sure you know who you’re dealing with.

You are eligible to take part in an exclusive interest rate reduction program. This financial institution has been licensed to negotiate your existing adjustable mortgage to a new fixed rate mortgage. You must contact us immediately regarding this notice. Some businesses use official-looking stamps, envelopes, forms, and references to make you think their offer is from a government agency or program. If you’re concerned about a mailing you’ve received, contact the government agency mentioned in the letter. If it’s a legitimate agency – and not one that just sounds like a government agency – you’ll find the phone number in the Blue Pages of your telephone directory.

What the Ads Don’t Say

The APR: The Annual Percentage Rate is a critical factor in comparing mortgage offers from different lenders. It is the total cost of the credit expressed as a yearly interest rate. This rate is different than the simple interest rate on your loan note, because the APR includes all costs of the credit such as points and processing fees. Knowing the APR makes it easier to compare “apples to apples” when considering mortgage offers. Look for the APR for your loan. The amount may not be in the ad at all; it may be hidden in the fine print, or it may be available deep within a website after multiple clicks.

Important Payment Information: It’s hard to know what you don’t know, and often, some of the most important information you need isn’t in the ad, is hidden in the fine print, or is available only at a website after many clicks. To make an informed judgment about any mortgage offer, you need to know – or ask:

What will the monthly payment be for every month of the loan, and could it increase?
When could it increase?
What would your new payment be?
Could your monthly payment increase more than once?
Does the monthly payment include an escrow amount to pay for your property taxes and homeowners insurance, or must you pay these costs on your own?
If you have to pay on your own, ask your lender for an estimate so you can budget accordingly.
What is the term of the loan (for example, 15 years? 30 years?)? How many payments will you have to make?
Would the loan be paid off at the end or would you still owe a “balloon” payment?
Will you have to pay prepayment penalties to refinance and pay off the loan early? If so, how much, and when would they apply?
If the loan has an introductory or teaser rate, can you refinance, without penalties, before the rate resets and your payment increases?

At Sell Quick For Cash Dot Com, we want to take a proactive approach to solving Arizona's housing problem. We believe that through education, homeowners can choose the right mortgage option that fits their families needs. Use our website as a tool and together we can hault the rising Foreclosure rate. We are a highly trained group of Foreclosure Specialists that understand Arizona's Foreclosure Process so if you are facing a Foreclosure auction, please feel free to call us at 602-626-3598 or visit our website at http://www.SellQuickForCash.com/ today. Each homeowner has a unique situation, and we provide free, no-obligation phone consultations to explain your options.

Short Sale Experts SellQuickForCash.com Is Helping Arizona's Homeowners Avoid Foreclosure!

2008-05-07T08:47:00.006-07:00

ARIZONA REAL ESTATE SHORT SALE EXPERTS

Do you owe more than your home is currently worth? Is your home loan amount equal to or higher than your current home value? Are you behind on payments, or realize that you can no longer afford your home? If this is your situation, SellQuickForCash.com can help!

Selling a home that has a loan higher than it's worth is extremely difficult, if not impossible. Who would want to pay above the true value of a home? Usually when a homeowner owes more than the home's current market value and can no longer afford the home, they are left with two choices: 1. Lose the home to Foreclosure due to no one wanting to buy an overpriced home; 2. Negotiate an Arizona Short Sale with the bank to ensure the home sells before foreclosure. Obviously no homeowner wants to lose their home to foreclosure. People who let their home go to foreclosure typically destroy their credit for 7 years during which time, it is nearly impossible to purchase another house. There is a better way to exit from your financial burden...a Real Estate Short Sale!

So What Is A Short Sale?

A Real Estate Short Sale is when the bank is willing to take a lesser amount of your home's loan in order to sell your home and Stop Foreclosure. Basically, our company goes in and negotiates with your lender to accept a discounted sales price due to your financial situation, as well as the current market conditions.For example: Your home's current market value is $200,000 You loan amount for your home is $225,000. No one will want to buy your home for $225,000 because the real value is $200,000. The bank then realizes they must lower the amount owed to $175,000 (this number varies) so the home can sell. This is just a simple example and all the numbers will vary from deal to deal.

So why Is A Real Estate Short Sale Better Than A Foreclosure?

A Real Estate Short Sale is a win/win solution for everyone. Obviously the homeowner does not want a foreclosure on their record. The bank definitely does not want to take the home back through foreclosure due to the large expenses and long waiting period. So if the homeowner can complete a short sale, they will have successfully sold their home without losing the home through foreclosure, thus saving their credit. And the bank will be satisfied due to not having to foreclose on the home saving time and money.

Plus, the time it takes to rebound from a Real Estate Short Sale is much shorter than the time it takes with a Foreclosure! Furthermore, it shows your character! You are attempting to repay the loan that you took out which gives you peace of mind.Homeowners desiring to do a short sale usually must show to the bank:

Financial hardship
Loss of job
Divorce
Medical conditions or large medical bills
Behind on payments
Job Transfer

Typical Beginings Of A Real Estate Short Sale:

The homeowner(s) begin to miss payments
The lender(s) try to arrange a repayment plan
The repayment plan fails or is never attempted and the bank mentions a short sale

Requirements for a Real Estate Short Sale are:

A proven financial hardship
Behind on payments (In most circumstances)
You owe as much or more than your home is currently worthThe homeowner requests a short sale packet from their lender(s)
The bank notifies the homeowner(s) that they can't turn in the short sale packet until they have a signed purchase contract
The homeowner(s) decide to contact SellQuickForCash.com

WWW.SELLQUICKFORCASH.COM specializes in negotiating short sales for Arizona homeowners. At http://www.sellquickforcash.com/ we buy houses fast for cash with no Realtors, Fees, or Hassles!

WWW.SELLQUICKFORCASH.COM has a team of highly trained Short Sale Experts who have established fantastic relationships with most banks. We will handle your short sale transaction for you giving you the peace of mind you are searching for. The Arizona Short Sale Process is NOT a "do it yourself" project. To successfully negotiate a Short Sale In Arizona with a bank takes an experienced and highly trained real estate agent as well as a skilled negotiator. Our advanced process is extremely organized and we conduct these short sales in the quickest time possible relieving you of the fear of Foreclosure!

We Are A Member Of The BBB. We Have Many Referalls. We Are A Team Of Specialists That All Work On Your File!

602-626-3598

Info@SellQuickForCash.com

http://www.sellquickforcash.com/shortsale.htm

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Different Ways SellQuickForCash.com Buys Houses In Arizona!

2008-05-04T07:40:00.009-07:00

At SellQuickForCash.com, our professional, experienced home buyers can make you an offer for your property regardless of condition, age, repair needs or equity status. The only thing you need is a desire to sell. If you are shopping your home or don't really have a need to sell your home fast, our home buying service probably is not for you. Our home buying specialists buy houses from those who need a quick sale and fast close at a fair price. We are also Foreclosure and Short Sale experts with real solutions to stop foreclosure fast!

Some of the ways we buy houses are:

Cash Transaction — Owner Financing — Creative Financing — Conventional Financing

Cash Transaction
This process takes between 3-14 days. The time is dependent on the title search.

Pros
- Immediate mortgage relief

- No worries of whether the home buyer can qualify for a mortgage

- No worrying with needed repairs- LOW closing costs for your home

Cons

-Higher out-of-pocket expense for home buyer may mean you might get slightly less than full retail value

Owner Financing
This is a process that provides the home seller numerous benefits. It is easy, quick and clean. The home buyer assumes your mortgage note and, if you have ample equity in your house, will cut you a check at closing.

Pros
-Fastest route to mortgage relief

- Cash at closing - Rebuild your credit

- Almost zero closing costs

- No worrying with needed repairs

Cons

From our perspective, there are none

Creative Financing
There are any number of ways to sell a home — too many to list here. Every situation and every reason for a sale is unique. If you and one of our home buyers come up with a creative way to sell a home, let us know so we can share it with others!

Conventional Financing
When a seller needs to sell a home fast, this is the most costly and cumbersome approach. With interest rates at historic lows, mortgage processing time is taking months to close in some cases.

Pros
- Mortgage relief in months

- Cash at closing

Cons
- Home buyer might not qualify

- HIGH closing costs

- Could take months to close

Contact http://www.sellquickforcash.com/ Today For A Free Home Evaluation. Let One Of Our Specialists Evaluate Your Situation And Create A Custom Solution To Your Housing Problem

602-626-3598

Info@SellQuickForCash.com

www.SellQuickForCash.com

How Does Filling For Bankruptcy Affect Foreclosure? SellQuickForCash.com Investigates!

2008-05-01T07:43:00.013-07:00

SellQuickForCash.com Investigates Common Questions How Bankruptcy Affects Foreclosure!

When Facing Foreclosure, it is very important you understand how bankruptcy works and we suggest you meet with a bankruptcy attorney before considering this option. Many people use bankruptcy as a scare tactic. There are several different “chapters” of bankruptcy. Some are work-out others are wipe-out, but here is the general idea. When someone files bankruptcy it’s almost like someone builds a temporary “bullet-proof” barrier around the house. No one can touch you! However, you are not free of all responsibility and most people do not understand that. We are not bankruptcy attorneys, but you need to know the difference between a Chapter 7 and a Chapter 13 bankruptcy so you know what happens. Like we mentioned earlier, some bankruptcies are “work out” others are “wipe out”. The two that we will focus on are the Chapter 7 and Chapter 13. These are the most common in your situation. Chapter 7 is the “wipe out” and Chapter 13 is the “work out”. Bankruptcy is a federal court action designed to help individuals repays their debts or eliminate their debts depending on their circumstances. Chapter 13 bankruptcies are designed to reorganize debts in an effort to repay all debt. Chapter 7 bankruptcies are geared more towards liquidation of assets. Both Chapter 7 and Chapter 13 immediately stop the foreclosure process and any creditors from taking further action against you.

How A Chapter 7 Bankruptcy Works:

When someone files a Chapter 7 bankruptcy, all assets and creditor collections are technically frozen which is called an automatic stay. The person filing bankruptcy cannot buy or sell anything, nor can they give away their property. If they try to sell their home, the court could order the receiving party to return it to the custody of the court appointed Trustee. Unsecured debts such as credit cards, unsecured loans, etc. are typically eliminated, although you should confer with your attorney on the rules regarding this. Then the trustee or attorney who represents the court and the creditors will look at all the assets (house, car, furniture, and equipment) a thing of value and decide what must be liquidated to pay some of the debt that was wiped out. The statute provides that there are some minimal assets a person filing bankruptcy may keep. If the homeowners are involved in a pending foreclosure, a Chapter 7 will stop the foreclosure process temporarily. Usually, your lender will request the court appointed Trustee to release the property from the automatic stay so they may continue with the foreclosure process. Once the property has been released from the bankruptcy, the foreclosure process starts up again.

Chapter 13 Bankruptcy Is a Little Different:

When someone files a Chapter 13, they usually keep their assets and repay their debts in a debt consolidation plan. Whatever amount is agreed upon has to be paid to the Bankruptcy Court every month for the next 3-5 years. The homeowner usually keeps their house, car, and other assets. The homeowner is required to stay current with the mortgage payments and pays the amount agreed upon. If any payments are missed, the trustee will dismiss the bankruptcy and the foreclosure process will begin again. Bankruptcy is usually a last resort and should not be used to stop foreclosure unless you have no other option or else you need the protection of a bankruptcy due to other circumstances. If you feel this may be your best option, please seek legal advice.

Bottom Line: To take advantage of this solution you should consult an experienced bankruptcy attorney. We are not in the business of giving legal advice and in no way are we bankruptcy experts. This information is deemed reliable but no guarantees or warrantees are expressed or implied!

Some Commonly Asked Questions About Bankruptcy & Foreclosure:

What exactly is bankruptcy?

Bankruptcy is a federal court process designed to help people eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcies can generally be described as "liquidation" or "reorganization."

Will filing for bankruptcy protect me from creditors' efforts to collect what I owe?
When you file bankruptcy, an "automatic stay" goes into effect. The automatic stay prohibits most creditors from taking any action to collect the debts you owe them unless the bankruptcy court lifts the stay and lets the creditor proceed with collections.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?
In Chapter 7 bankruptcy, you ask the bankruptcy court to discharge most of the debts you owe. In exchange for this discharge, the bankruptcy trustee can take any property you own that is not exempt from collection, sell it, and distribute the proceeds to your creditors.

In Chapter 13 bankruptcy, you file a repayment plan with the bankruptcy court to pay back your debts over time. The amount you'll have to repay depends on how much you earn, the amount and types of debt you owe, and how much property you own.

What might I lose if I file for bankruptcy?

You may be able to exempt up to $17,425 of your homes equity. Some states have no homestead exemption; others allow debtors to protect all or most of the equity in their home.(this is only an estimate and to please consult a local Bankruptcy Lawyer to discuss your individual situation)

Insurance. You usually get to keep the cash value of your policies.
Retirement plans. Pensions which qualify under the Employee Retirement Income Security Act (ERISA) are fully protected in bankruptcy. So are many other retirement benefits; often, however, IRAs and Keoghs are not.

Personal property. You'll be able to keep most household goods, furniture, furnishings, clothing (other than furs), appliances, books and musical instruments. You may be able to keep jewelry only worth up to $1,000 or so. Most states let you keep a vehicle with more than $2,400 of equity. And many states give you a "wild card" amount of money -- often $1,000 or more - that you can apply toward any property.

Public benefits. All public benefits, such as welfare, Social Security, and unemployment insurance, are fully protected.

Tools used on your job. You'll probably be able to keep up to a few thousand dollars worth of the tools used in your trade or profession.

Wages. In most states, you can protect at least 75% of wages that you have earned but not yet received.

How Creditors Can Get Around the Automatic Stay.
Usually, a creditor can get around the automatic stay by asking the bankruptcy court to remove ("lift") the stay, if it is not serving its intended purpose. For example, say you file for bankruptcy the day before your house is to be sold in foreclosure. You have no equity in the house, you can't pay your mortgage arrears, and you have no way of keeping the property. The foreclosing creditor is apt to run to court soon after you file for bankruptcy, to ask for permission to proceed with the foreclosure - and that permission is likely to be granted.

Will bankruptcy stop a foreclosure?
Yes and No… A home is an asset usually secured by a deed of trust. The mortgage company is entitled apply to the court for relief from the automatic stay, the order preventing creditor action by virtue of the bankruptcy. Depending upon several factors, you may be able to prolong a foreclosure until you have received your discharge from bankruptcy. Usually, to keep a home that is in foreclosure you will have to make a deal with the Mortgage Company. This is the key, you still must work something out with the Mortgage Company to repay the past due amount. This is why we say filing for Bankruptcy is like putting a band aid on a bullet wound… it may help you at first but major surgery is still required.

Bottom Line: Bankruptcy may buy you a small amount of time but negotiations will still need to be made with the Mortgage Company to enable you to keep your home. Most people who file Bankruptcy to save heir home from Foreclosure wish they had not because in most cases they are in a worse position that when they started. Filing Bankruptcy removes your leverage and places your fate in someone else’s hands. Your best option is for you to stay in control, and allow SellQuickForCash.com work something out for your prior to filing.

Pros for filing Bankruptcy to Stop Foreclosure

The Foreclosure proceedings will be temporarily suspended.

Cons for filing Bankruptcy to Stop Foreclosure

There will be a bankruptcy on your record for 10 years.

The Mortgage Company can work around the Bankruptcy and still Foreclose.

You lose any leverage and control you once had.

A deal must still be worked out with the Mortgage Company to repay the past due amount. If you are 1 day late on any trustee payments your case "may" be dismissed, the stay will be lifted and you will be back in Foreclosure.

SellQuickForCash.com can negotiate on your behalf with the Mortgage Company to keep your Home from Foreclosure and get your loan back in good standing.

About The Author:

WWW.SELLQUICKFORCASH.COM has a team of highly trained short sale experts who have established fantastic relationships with most banks. We will handle your short sale transaction for you giving you the peace of mind you are searching for. The short sale process is NOT a "do it yourself" project. To successfully negotiate a short sale with a bank takes an experienced and highly trained real estate agent as well as a skilled negotiator. Our advanced process is extremely organized and we conduct these short sales in the quickest time possible relieving you of the fear of foreclosure! We are Arizona’s Premier Short Sale and Foreclosure Experts!

CALL 602-626-3598

http://www.SellQuickForCash.com/shortsale.htm

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Tax Consequence Of A Real Estate Short Sale...IRS Tax Rules & Definitions!

2008-04-29T09:07:00.007-07:00

www.SellQuickForCash.com Investigates The Tax Consequences Of A Real Estate Short Sale On An Arizona Homeowner.

When completing a Short Sale, possible tax issues can arise for the homeowner. As such, an owner considering a Short Sale should be encouraged to discuss these issues with an attorney, accountant, or other appropriate professional. From my understanding, the debt forgiven by a lender is generally taxable to the borrower as "debt discharge income." When a taxpayer receives proceeds from a new loan, those proceeds are not taxable income because there is an offsetting obligation to repay. However, if the debt is cancelled, there may be debt discharge income. This basically means that if you owe $200,000 and Short Sale the home for $150,000, on your next tax return it could look like you have $50,000 worth of earned income from the sale of your residence and would be treated as taxable income. IRS Form 1099-C: Cancellation of Debt will be sent to you at the end of the year.

BREAKING NEWS! H.R. 1876: The Mortgage Forgiveness Debt Relief Act of 2007 would eliminate the tax owed on any forgiven mortgage debt. This bill has been passed and signed into law by the president! The bill permanently eliminates tax on up to $2 million of debt for a principal residence. The best part about this bill is that it is retroactive to January 1st, 2007. This means that any Short Sale conducted after that date automatically is protected from any tax implications! For more info, please visit http://www.whitehouse.gov/news/releases/2007/12/20071220-6.html

The following is taken from http://www.irs.gov/newsroom/article/0,,id=174034,00.html the IRS's website regarding short sales:

Questions and Answers on Home Foreclosure and Debt Cancellation

Update Feb. 4, 2008 — The Mortgage Forgiveness Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief.

This provision applies to debt forgiven in 2007, 2008 or 2009. Up to $2 million of forgiven debt is eligible for this exclusion ($1 million if married filing separately). The exclusion doesn’t apply if the discharge is due to services performed for the lender or any other reason not directly related to a decline in the home’s value or the taxpayer’s financial condition.

The amount excluded reduces the taxpayer’s cost basis in the home. More information on claiming this exclusion will be available soon.

The questions and answers, below, are based on the law prior to the passage of the Mortgage Forgiveness Debt Relief Act of 2007.

1. What is Cancellation of Debt?

If you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes, depending on the circumstances. When you borrowed the money you were not required to include the loan proceeds in income because you had an obligation to repay the lender. When that obligation is subsequently forgiven, the amount you received as loan proceeds is reportable as income because you no longer have an obligation to repay the lender. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt.

Here’s a very simplified example. You borrow $10,000 and default on the loan after paying back $2,000. If the lender is unable to collect the remaining debt from you, there is a cancellation of debt of $8,000, which generally is taxable income to you.

2. Is Cancellation of Debt income always taxable?

Not always. There are some exceptions. The most common situations when cancellation of debt income is not taxable involve:

Bankruptcy: Debts discharged through bankruptcy are not considered taxable income.

Insolvency: If you are insolvent when the debt is cancelled, some or all of the cancelled debt may not be taxable to you.You are insolvent when your total debts are more than the fair market value of your total assets.Insolvency can be fairly complex to determine and the assistance of a tax professional is recommended if you believe you qualify for this exception.

Certain farm debts:If you incurred the debt directly in operation of a farm, more than half your income from the prior three years was from farming, and the loan was owed to a person or agency regularly engaged in lending, your cancelled debt is generally not considered taxable income. The rules applicable to farmers are complex and the assistance of a tax professional is recommended if you believe you qualify for this exception.

Non-recourse loans:A non-recourse loan is a loan for which the lender’s only remedy in case of default is to repossess the property being financed or used as collateral.That is, the lender cannot pursue you personally in case of default. Forgiveness of a non-recourse loan resulting from a foreclosure does not result in cancellation of debt income.However, it may result in other tax consequences, as discussed in Question 3 below.

3. I lost my home through foreclosure. Are there tax consequences?

There are two possible consequences you must consider:

Taxable cancellation of debt income. (Note: As stated above, cancellation of debt income is not taxable in the case of non-recourse loans.)

A reportable gain from the disposition of the home (because foreclosures are treated like sales for tax purposes).(Note: Often some or all of the gain from the sale of a personal residence qualifies for exclusion from income.)

Use the following steps to compute the income to be reported from a foreclosure:

Step 1 - Figuring Cancellation of Debt Income (Note: For non-recourse loans, skip this section. You have no income from cancellation of debt.)

1. Enter the total amount of the debt immediately prior to the foreclosure.___________

2. Enter the fair market value of the property from Form 1099-C, box 7. ___________

3. Subtract line 2 from line 1. If less than zero, enter zero.___________

The amount on line 3 will generally equal the amount shown in box 2 of Form 1099-C. This amount is taxable unless you meet one of the exceptions in question 2. Enter it on line 21, Other Income, of your Form 1040.

Step 2 – Figuring Gain from Foreclosure

4. Enter the fair market value of the property foreclosed.For non-recourse loans, enter the amount of the debt immediately prior to the foreclosure ________

5. Enter your adjusted basis in the property.(Usually your purchase price plus the cost of any major improvements.)

____________

6. Subtract line 5 from line 4. If less than zero, enter zero.

The amount on line 6 is your gain from the foreclosure of your home. If you have owned and used the home as your principal residence for periods totaling at least two years during the five year period ending on the date of the foreclosure, you may exclude up to $250,000 (up to $500,000 for married couples filing a joint return) from income. If you do not qualify for this exclusion, or your gain exceeds $250,000 ($500,000 for married couples filing a joint return), report the taxable amount on Schedule D, Capital Gains and Losses.

4. I lost money on the foreclosure of my home. Can I claim a loss on my tax return?

No. Losses from the sale or foreclosure of personal property are not deductible.

5. Can you provide examples?

A borrower bought a home in August 2005 and lived in it until it was taken through foreclosure in September 2007. The original purchase price was $170,000, the home is worth $200,000 at foreclosure, and the mortgage debt canceled at foreclosure is $220,000. At the time of the foreclosure, the borrower is insolvent, with liabilities (mortgage, credit cards, car loans and other debts) totaling $250,000 and assets totaling $230,000.

The borrower figures income from the foreclosure as follows:

Use the following steps to compute the income to be reported from a foreclosure:

Step 1 - Figuring Cancellation of Debt Income (Note: For non-recourse loans, skip this section. You have no income from cancellation of debt.)

1. Enter the total amount of the debt immediately prior to the foreclosure.___$220,000__

2. Enter the fair market value of the property from Form 1099-C, box 7. ___$200,000__

3. Subtract line 2 from line 1.If less than zero, enter zero.___$20,000__
The amount on line 3 will generally equal the amount shown in box 2 of Form 1099-C. This amount is taxable unless you meet one of the exceptions in question 2. Enter it on line 21, Other Income, of your Form 1040.

Step 2 – Figuring Gain from Foreclosure

4. Enter the fair market value of the property foreclosed.For non-recourse loans, enter the amount of the debt immediately prior to the foreclosure. __$200,000__

5. Enter your adjusted basis in the property.(Usually your purchase price plus the cost of any major improvements.) ___$170,000__

6. Subtract line 5 from line 4.If less than zero, enter zero.___$30,000__

In this situation, the borrower has a tax-free home-sale gain of $30,000 ($200,000 minus $170,000), because they owned and lived in their home as a principal residence for at least two years. Ordinarily, the borrower would also have taxable debt-forgiveness income of $20,000 ($220,000 minus $200,000). But since the borrower’s liabilities exceed assets by $20,000 ($250,000 minus $230,000) there is no tax on the canceled debt.

Other examples can be found in IRS Publication 544, Sales and Other Dispositions of Assets, under the section “Foreclosures and Repossessions”.

6. I don’t agree with the information on the Form 1099-C. What should I do?

Contact the lender. The lender should issue a corrected form if the information is determined to be incorrect. Retain all records related to the purchase of your home and all related debt.

7. I received a notice from the IRS on this. What should I do?

The IRS urges borrowers with questions to call the phone number shown on the notice. The IRS also urges borrowers who wind up owing additional tax and are unable to pay it in full to use the installment agreement form, normally included with the notice, to request a payment agreement with the agency.

8. Where else can I go to get tax help?

If you are having difficulty resolving a tax problem (such as one involving an IRS bill, letter or notice) through normal IRS channels, the Taxpayer Advocate Service may be able to help. For more information, you can also call the TAS toll-free case intake line at 1-877-777-4778, TTY/TDD 1-800-829-4059.

In some cases, you may qualify for free or low-cost assistance from a Low Income Taxpayer Clinic (LITC). LITCs are independent organizations that represent low income taxpayers in tax disputes with the IRS. Find information on an LITCs in your area.

About The Author:

WWW.SELLQUICKFORCASH.COM has a team of highly trained Short Sale Experts who have established fantastic relationships with most banks. We will handle your short sale transaction for you giving you the peace of mind you are searching for. The short sale process is NOT a "do it yourself" project. To successfully negotiate a short sale with a bank takes an experienced and highly trained real estate agent as well as a skilled negotiator. Our advanced process is extremely organized and we conduct these short sales in the quickest time possible relieving you of the fear of Foreclosure! We are Arizona’s #1 Short Sale and Foreclosure Experts!

CALL 602-626-3598

http://www.SellQuickForCash.com/shortsale.htm

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Arizona Real Estate Market Report By Dr. Jay Butler Of ASU Realty Studies Delivers More Bad News To Arizona's Homeowners!

2008-04-22T09:11:00.007-07:00

SellQuickForCash.com Brings You Another Arizona Market Report

Dr. Jay Butler of ASU Realty Studies has released his home sales report for March, and there is a ton of great insight on what is happening in Arizona's local market. We created graphs to help all of us see the downward trends year over year! Let's start with our favorite quote:

The median home price remained stable at $220,000, in contrast to last year's $265,470.

Now while it is true that month-to-month, the median was unchanged, it is clear that there was a 17% YOY drop. In most circles that brings words to mind like "crash" or "plummet"- not "stable".

Here's the graph:

No, "stable" is not the word that comes to our minds- "consistent", maybe?

Sales

Butler reports:

March is typically an indicator for the coming resale home season, and with 4,335 recorded sales it's showing signs of a continuing weak market. Even though it is an improvement over the 3,750 sales of February, it is significantly below last year's 5,385 sales and is the lowest March since 1996, with 3,270 sales.

It is plain to see that with a 19.5% drop in sales year-over-year, we think the market is not so much "continuing to be weak", but "continuing to deteriorate".

Butler states:

While there are many problems rising out of the hyper-resale market, many households were able to acquire homes with traditional financing, according to Jay Q. Butler, director of Realty Studies in the Morrison School of Management and Agribusiness at Arizona State University's Polytechnic campus.

"People who settled in their dream homes with manageable mortgage payments have little incentive or pent-up demand to change their housing investment. Thus, lower sales activity should not be unexpected," he said.

Butler may not jump right out and state that he does not expect lower sales activity, but we do. Last year March was the busiest month of the year, and in 2006, it was the second busiest. While it is possible that there might be a month or two that are busier than March this year, it is unlikely that there would be a significant increase over March sales, and it is our expectation, based on traditional seasonal patterns that most months would be slower.

His conclusion is surprising, given this frank assessment of the current situation:

During the last year, the housing market has been confronting issues derived from the hyper-market of previous years such as the subprime meltdown and overly ambitious investors. Unfortunately, there is increasing data, such as job losses and layoffs, that the economy is now weakening and will add further stress for the housing markets.

Butler also does a good job explaining what is driving the lower prices:

Capital is available for lower-priced housing, but lacking in the higher priced housing market. The recent rise in the FHA limit from $271,050 to $346,250 will help some move-up market activity. However, the non-conforming limit is expected to remain at $417,000, which will be of little assistance to the higher priced market.

Last year, 39 percent of the resale homes sold for more than $300,000, while it was 27 percent for March 2008. Homes selling for under $200,000 have increased from last year's 16 percent to a current 40 percent of the local resale housing market.

The following is the market breakdown sorted by city according to Butler:

The median square footage for a single-family home recorded sold in March 2008 was 1,770 square feet, which is larger than the 1,700 square feet for a year ago. In the townhouse / condominium sector, the median square footage was 1,160 square feet, which is larger than the 1,120 square feet reported a year ago.

In contrast to March 2007, recorded sales in the city of Phoenix decreased from 1,450 sales to 1,075, while the median sales price decreased to $185,455 from $228,000. Since Phoenix is a geographically large city, the median prices can range significantly such as $148,800 ($157,700 in February) in the Maryvale area to $263,500 ($260,000 in February) in the Union Hills area. The townhouse / condominium sector decreased from 400 to 195 sales and the median price decreased from $165,000 to $149,000.

The Scottsdale resale home market declined from 465 to 305 recorded sales, with the median sales price decreasing from last year’s $635,000 to $525,000. The median resale home price is $605,000 ($573,570 in February) in North Scottsdale and $260,000 ($254,000 in February) in South Scottsdale. The townhouse / condominium sector in Scottsdale decreased from 280 to 155 sales, and the median sales price decreased from $265,950 to $236,750.

The Mesa resale housing market declined from 620 sales a year ago to 450, while the median price fell from $242,700 to $200,000 ($208,750 in February). The townhouse/condominium sector also fell from 190 to 90 sales, while the median home price decreased from $158,400 to $144,000.

Glendale decreased from 355 to 260 sales, and the median sales price decreased from $248,250 a year ago to $209,750 ($202,000 in February). The townhouse / condominium sector decreased from 50 to 15 sales, while the median sales price increased from $148,850 to $155,000.

For the city of Peoria, the resale market declined from 255 to 190 sales, while the median price moved from $270,000 to $235,900 ($225,300 in February). The townhouse/condominium sector decreased from 35 to 20 sales, while the median price increased from $165,000 to $175,700.

In comparison to a year ago, the Sun City resale market declined from 150 to 100 sales, while the median sales price decreased to $182,500 from $200,000. Resale activity in Sun City West decreased from at 70 to 60 sales, and the median sales price decreased from $217,450 to $214,000. The townhouse/condominium market in Sun City decreased from 75 to 65 recorded sales, while the median home price decreased from $131,000 to $119,900. In Sun City West, activity stayed at 25 sales and the median sales price decreased from $190,000 to $130,970.

The resale market in Gilbert increased from 290 to 295 sales, and the median sales price decreased from $295,500 to $245,000 ($254,700 in February). The townhouse/condominium market declined from 15 to 10 sales, as the median sales price decreased from $200,000 to $176,450.

For the city of Chandler, the resale market declined from 380 to 325 recorded sales, with the median sales price decreasing from $293,850 to $234,000 ($245,000 in February). The townhouse/condominium market declined from 65 to 20 sales, and the median sales price went from $170,000 to $145,000.

The resale market in Tempe decreased from 125 to 100 sales, with the median sales price decreasing from $278,750 to $237,000 ($240,000 in February). The townhouse/condominium sector fell from 95 to 35 sales, and the median sales price decreased from $198,500 to $160,000.

The highest median sales price was in Paradise Valley at $1,750,000 with a median square foot house of 3,995 square feet.

In the West Valley, the following communities represent 14 percent of the resale market.

Avondale decreased from 100 to 90 sales, with the median price moving from $232,280 to $185,130 ($194,570 in February).

El Mirage increased from 40 to 60 sales, while the median home price went from $213,750 to $146,900 ($149,500 in February).

Goodyear went from 105 to 125 sales, while the median price decreased from $255,000 to $220,000 ($220,490 in February).

Surprise improved 250 to 285 sales, but the median price went from $241,500 to $205,000 ($213,740 in February).

It is clear to us that the market is still correcting and that prices are obviously falling. At SellQuickForCash.com, we expect these trends to continue for at least another 12-18 months. Why let the current market conditions determine when you can sell your home? Gain peace of mind and call us today at 602-626-3598 and speak with one of our Home Buying Specialists. We are Arizona's #1 Foreclosure and Short Sale Experts and can pay cash for your house fast! If you are trying to sell your house fast, then trust the experts at SellQuickForCash.com and CONTACT US today.

www.SellQuickForCash.com

Info@SellQuickForCash.com

602-626-3598

Arizona Foreclosure Experts SellQuickForCash.com Created A System To Help Local Homeowners Avoid Foreclosure!

2008-04-21T19:38:00.005-07:00

Local Arizona Company SellQuickForCash.com Helps Homeowners Stop Foreclosure Fast!

We know what you're feeling. You've had more than your share of difficulties the last few months. The good news is that you are not alone. Sell Quick For Cash can help you Stop Foreclosure Fast!

We understand that good people sometimes need a second chance. Most foreclosures are a result of an unexpected life event, such as:

Death In The Family
Difficult And Costly Divorce
Lost A Job Or Had To Change Jobs
Health Problems With Expensive Medical Bills
Bad Decision When Pulling Out Or Refinancing Your Old Loan

Maybe you're struggling with increased utility prices or fuel expenses or an adjustable rate mortgage (ARM) that is unbearable. Maybe you've already had to file bankruptcy or get a forbearance and the repayment plan is not working out. Maybe this is all a big mistake and the payments you've been sending were rerouted or lost because your mortgage has been sold or traded. Let us help you stop foreclosure and get back on track.

When Good People Need A Second Chance

Whatever the difficulty, we understand how it feels to choose between a mortgage payment or groceries. We understand what it's like to have continual phone calls from your lender ... calls at home, calls at work and letters in the mailbox. You need to save your home but your lender is asking for too much money. You're not asking for them to forgive the loan but you need help creating a payment plan that you can handle. You just need someone on your side to negotiate with your lender to get you back on track.

Some Solutions If Your Financial Situation Was Only Temporary

Most Mortgage Companies will consider a Loan Modification, Deferment, Forbearance or a Repayment Plan as a first option to quickly bring the loan current. Our Foreclosure Specialists will use one of those options or perhaps a combination of those or any of the options below to develop your personalized strategy to stop Foreclosure.

Reinstatement Plan
Repayment Plan
Loan Modification/Loan restructuring
Loan Refinance
Loan Forbearance
Partial Claim

Some Solutions If You Can No Longer Afford Your Home, But You Do Not Want A Foreclosure On Your Record

Pre-Foreclosure Sale
Short Sale
Deed-in-Lieu of Foreclosure

"Make no mistake.... to Stop Foreclosure you must act quickly and decisively. Your home will be sold unless you take the correct steps to satisfy the Mortgage Company and get your loan caught up."

We understand that each situation is unique and requires a custom solution to Stop Foreclsoure from a trusted expert. The best part about dealing with us, is we are a group of trusted experts that all contribute and play an important role on your foreclosure file. So when you chose to work with us, rest assured each team member of SellQuickForCash.com will get personally involved and collectively work towards a common goal...helping you avoid foreclosure fast!

SellQuickForCash.com has the resources and team in place to handle any housing / financial situation. Our team of specialists are highly educated on Arizona's foreclosure laws as well as the foreclosure process. Short Sales (http://www.sellquickforcash.com/shortsale.htm) are our specialty and we offer a no-hassle, quick close without Realtors and the fees associated with a traditional sale. We pay cash for houses fast in the Phoenix - Metro market. We buy both nice and ugly homes and we can close within 3 days, sometimes faster or slower, depending on your financial needs. We are Arizona's #1 "Cash For Houses" homebuyer dedicated to helping families in their time of need.

http://www.SellQuickForCash.com/

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Stop Foreclosure And Sell Your Glendale, Arizona House Fast With SellQuickForCash.com

2008-04-20T12:06:00.006-07:00

Sell Your Glendale, Arizona House Fast - We Buy Homes in Glendale, Arizona!

Are you saying to yourself "I want to sell my Glendale house fast?" Are you saying to yourself "How can I stop foreclosure on my Glendale house?" If any of these questions are familiar to you, you need a reliable company to give you real solutions to foreclosure in Glendale, Arizona?

SellQuickForCash.com is a seasoned team of local experts that create custom solutions to your housing problems. If you are trying to sell your house quickly, or facing foreclosure, we can give you an all cash offer for your home. We pay cash for Glendale houses with no Realtor fees, plus we purchase your property as-is, meaning you do not have to do any repairs to your property. Don't bother painting, cleaning or taking out the trash. Just pick up your cash and move on with your life. Sell Your Glendale House Fast To SellQuickForCash.com!

If you are currently behind on your mortgage payments, and facing foreclosure in Glendale, you may not realize that you have many options. At SellQuickForCash.com, we pride ourselves on our foreclosure experience, and can give you a free "How to Stop Foreclosure in Glendale, Arizona" consultation. Most times, we can do it directly over the phone and it could open your eyes to many solutions that you never even new existed! Don't fight the foreclosure on your own. Trust the experts at SQFC.com and call 602-626-3598 now!

There are many reasons why you would want to sell your Glendale House to SQFC.com!

It is evident that the Arizona real estate market has changed drastically. Houses are taking much longer to sell, and homeowners like yourself are holding onto your homes longer than expected. Plus, you still you need to reduce the price monthly just to keep up with the declining, competitive market! Why deal with Realtors and picky buyers when you could call us and within 24 hours you could have an all cash offer with a quick close! We have the cash on hand to purchase your Glendale, Arizona house quickly. We are a local investment company that wants to create a win/win, cash purchase of your house. If you need to sell your house fast then give us a call.

Who Sells Their Glendale House Fast To Sell Quick For Cash Dot Com?

A lot of people have chosen to work with us!

People who have trouble selling because of not having enough equity! These Glendale homeowners can benefit from our Short Sale program.
People who have experienced a death of a loved one or the need to settle an estate. We can work with you and your family and give you an all cash offer that is fair for everyone!
People who are tired of being a landlord. We know how difficult bad tenants can be. We also know how expensive it can be to have an old rental property. We pay cash for Glendale houses in their As-Is condition. Just call us and within a few hours we could make you an all cash offer on your investment property.
Those that need to sell their house because of a divorce! Sell Quick For Cash understands that a difficult divorce can cause much stress in your life. Why add to that with the pressures of trying to "sell my Glendale house fast" in this difficult market?
People who are behind on payments and facing foreclosure! The professionals at SellQuickForCash.com are Arizona Foreclosure Experts and understand Arizona's Foreclosure Process! We can educate you on your options to avoid foreclosure and save your credit.
Anyone who purchased a new home and cannot sell their old one! Paying for one houses mortgage can be tough enough...let alone covering two mortgage payments! Why risk the unknown by hiring a Realtor and not knowing when your house might sell, if it sells at all? Contact SellQuickForCash.com and submit your property to us. We can give you an all cash offer on your Glendale, Arizona house fast.
People who own vacant houses or houses that need repairs! Did we mention that we pay cash for Glendale, Arizona houses? Did we mention that we buy them in their As-Is condition in the timeframe you need us to?
Homeowner's houses that have liens or title problems. We have a team of professionals in every aspect of the home buying process. Our experts can handle any title or lien issues preventing you from selling your Glendale house fast.
People working with a real estate agent who hasn't come through as promised! Selling your Glendale house fast can be extremely difficult in today's tough market. Even if your Realtors intentions are good...even if they have a good marketing plan, it could take 4,5,6 or more months to sell your house! Why wait and compete with Arizona's 50,000 plus listings currently on the market when you could have peace of mind right now?
Anyone facing a job transfer or relocation. If you are moving out of state, and need to sell your Glendale house fast, we have many options to choose from. We can pay you cash or we can partner with you and pay you over time!
People from all walks of life who share the need or desire to sell their Glendale, Arizona house quickly, regardless of repairs needed.

Who Is SellQuickForCash.com

Take the time and visit our website http://www.sellquickforcash.com/to learn how you can sell your Glendale, Arizona House Fast. We are LOCAL, we are ETHICAL, we are FORECLOSURE EXPERTS, and we are SHORT SALE SPECIALISTS WITH A PROVEN TRACK RECORD! Why try and sell your Glendale house fast without first visiting our website and calling one of our Home Buying Specialists! We offer a FREE, NO OBLIGATION CONSULTATION! We have the cash on hand to close within 3 days...sometimes quicker if need be! There are many imitation investment companies out there that pay cash for your Glendale house, so spend the time and learn about those you are dealing with.

We have many referrals to validate our business practices! We are proud of our professionalism and always adhere to only the highest ethical standards. Also, when you deal with us, you can rest assured that your situation and any documentation shared will remain private.

Get Cash For Your Glendale, Arizona Home.
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March Foreclosure Rates Rise According To Realty Trac. Arizona Ranks #4 With The Highest Number Of Foreclosures!

2008-03-31T07:41:00.000-07:00

Overall, 1 out of every 538 U.S. households received a foreclosure filing last month. Arizona ranks #4! Fortunately, SellQuickForCash.com can help you stop foreclosure fast!

Top 10 States for Foreclosures in March

Nevada: 1 in 139 homes
California: 1 in 204 homes
Florida: 1 in 282 homes
Arizona: 1 in 283 homes
Colorado: 1 in 339 homes
Georgia: 1 in 351 homes
Ohio: 1 in 448 homes
Michigan: 1 in 475 homes
Massachusetts: 1 in 486 homes
Maryland: 1 in 538 homes

Data From Realtytrac

The list shows the titanic force of the housing bust, as the states with the scariest ratios—Nevada, California, Florida, and Arizona—were the hottest spots during the boom. Look for more pain coming out of midwestern states like Ohio and Michigan, where tough housing markets could trigger a spate of failures at small banks that got deep into housing construction.

Lucky you, Vermont. Foreclosures in the state—known for cows, liberals, and maple syrup—stand at only 1 in every 154,779 homes. Keep up the good work!

If you are in foreclosure and would like to speak with one of our Foreclosure Specialists, please call 480-861-8732 or visit our website www.SellQuickForCash.com.

Sell Your Tempe House Fast With www.SellQuickForCash.com. We Are Foreclosure And Short Sale Experts!

2008-03-18T17:22:00.006-07:00

ARE YOU TRYING TO SELL YOUR TEMPE HOUSE FAST? ARE YOU FACING FORECLOSURE AND SEARCHING FOR ANSWERS?

The experts at http://www.sellquickforcash.com/ understand Arizona's Foreclosure Process and can assist you in preventing foreclosure in Tempe, Arizona therefore saving your credit! We understand that each situation is unique and that is why we create custom solutions to your housing / financial problems! We also understand that you are being bullied by your lenders, and feel threatened by greedy investment companies!

Below is a list of tips that we have created to ensure that you are getting a fair deal when working with a "We Buy Houses For Cash" investment company.

Most important...make sure everything is in writing!

Ask for a business address. Investors just showing up to your door are more than likely trouble so you should use extreme caution when signing any papers!

Ask for "real" referrals from past clients to check their business practices!

Check with the BBB to see if they are in good standing!

Never sign a deal on the first consultation!

Ask them if they are going to pay you cash for your Tempe house within days, or are they just trying to lock your house down in a contract and then go find a buyer? This is called wholesaling and unless they are up front about their intentions, many investors will try and put a contract on your house with no real intention to buy it! They then go out and try to find a buyer for your home for more money. These investors are not real buyers and you should make sure they put up some kind of earnest money when they sign the initial contract!

Trust your gut...if it feels like a good match, make the deal!

Ask for all options in writing and make sure you fully understand each one!

Choose to use a company that has a strong team of professionals that each have one common agenda...helping you sell your home quickly and for a FAIR deal!

Call SellQuickForCash.com, while you shop us, we can refer other professionals to shop as well that we know apply ethical business practices!

Take the time and visit our website http://www.sellquickforcash.com/to learn how you can sell your Tempe, Arizona House Fast. We are LOCAL, we are ETHICAL, we are FORECLOSURE EXPERTS, and we are SHORT SALE SPECIALISTS WITH A PROVEN TRACK RECORD! Why try and sell your Tempe house fast without first visiting our website and calling one of our Home Buying Specialists! We offer a FREE, NO OBLIGATION CONSULTATION! We have the cash on hand to close within 3 days...sometimes quicker if need be! There are many imitation investment companies out there that pay cash for your Tempe house, so spend the time and learn about those you are dealing with. We have many referrals to validate our business practices!

602-626-3598

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Housing Crisis Puts Off First-Time Homebuyers. Falling Prices Affecting Arizona!

2008-03-13T09:54:00.002-07:00

BOSTON (Reuters) - For decades, buying a home was a key step on the path to financial security for the American middle class.

Home owners could count on a fixed mortgage payment rather than rising rent, take advantage of tax breaks, and build equity as their houses increased in value over time. But with home prices falling and families losing their homes to foreclosure, some people who under other circumstances would be looking to buy their first home now see greater security in renting.

One such person is Lisa Chesnut, who lives in Tucson, Arizona, and works as an information systems coordinator. With a good job and two young sons, 29-year-old Chesnut and her husband, Bryan, look like classic first-time buyers.

They had considered it, until the market started to slide a year ago. "At first we thought, prices are falling, that's good," she said in a phone interview. "Then we started reading about the foreclosures and the ARM rates and people losing their homes," she said. "We thought, what if something happened where we could lose our house?"

Her big fear is falling behind on a mortgage. Having read about people who face higher payments on their adjustable-rate mortgages (ARM), she realizes that being approved for a loan does not guarantee it will be affordable.

STAYING PUT
One sign that more people are choosing to remain in rental apartments while they wait out the slump comes from Equity Residential, one of the largest U.S. apartment owners. Fewer people have been moving out of its apartments -- last year 63.3 percent of its units changed hands, down from 64.9 percent in 2006.

"Turnover is slowing and the rate of moving out for home purchase we also saw slow throughout 2007," said Fred Tuomi, president of property management at the Chicago-based company, who oversees about 150,000 apartments nationwide.

And population projections by the National Association of Realtors suggest hundreds of thousands of young Americans are sitting out the housing market entirely -- neither buying nor renting.

"There's probably 700,000, maybe 800,000 people out there that are not getting into the market either as a renter or as a home buyer," said Walter Molony, spokesman for the NAR. "Where are these folks? They're out there, they've got jobs. Some of them are moving back with their parents, never left the house, they're doubling up with roommates."

There's no scarcity of data to worry potential home buyers. Recent reports show that the average price of an existing single-family home in U.S. metropolitan areas fell 6 percent in the fourth quarter, while foreclosure rates in the top 100 metropolitan areas soared 78 percent last year.

"They're the most nervous people I've ever met in my life," said Bob Moulton, president of Americana Mortgage Group, referring to the potential first-time buyers he speaks with. "They've seen what can go wrong in the mortgage market," said Moulton, whose company brokers $300 million of mortgages a year, mainly in suburban New York. "Everybody's advising them, from the mother, to the father, to the uncle, their co-workers, telling them, 'Don't buy. Prices are coming down."'

OWNERSHIP DOWN
Indeed, home ownership rates have fallen to 67.8 percent of households at the end of last year from 69.2 percent in 2004. That is below a 69.8 percent rate in Britain, but still much higher than European countries such as France and Germany.

For young people who are unsure about whether to buy instead of renting, experts said the key thing to consider is how long one plans to live in a house.

During the boom years, from the late 90s through the first half of this decade, rapidly rising house prices meant that in many parts of the country a buyer could turn an easy profit after owning a house for just a year or two.

Now young buyers should plan to stay in their homes longer than that, said Jim Gaines, a research economist at the Real Estate Center of Texas A&M University, in College Station, Texas. Even his own son, who recently married, has come to him with fears about buying real estate.

"I told my son this, 'Look, if you buy a home today, you better be prepared to stay in it for a minimum of five years. Don't worry if it goes up or goes down (in value) a little bit in the next six months,"' Gaines said.

That knowledge is another factor keeping some young Americans in their rental apartments.
"A lot of people I know are in that position, where their home isn't going to sell for what they paid for it right now," said Josh Stenger, a 37-year-old professor of film studies who lives in a rental apartment in Pawtucket, Rhode Island.

Stenger said he has toyed with buying a house or condominium, but has held off until he was sure he would be staying put for several years.

"I don't foresee buying anything without planning to stay in it at least five years," Stenger said. "If the economy was different and it looked like prices were going to start going up again, I might feel more pressure."

(Reporting by Scott Malone; Editing by Eddie Evans)
Copyright 2008 Reuters News Service.

Why Let The Stress And Pressures Of Today's Turbulent Housing Market Determine When You Can Or Cannot Sell Your House? Gain Peace Of Mind And Contact http://www.sellquickforcash.com/ Today. Our House Buying Specialists Are Waiting To Create A Custom Solution To Your Housing Problem!

602-626-3598

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Homeowners Throwing In The Towel And Walking Away From Their Mortgage.

2008-03-09T07:23:00.000-07:00

Mortgage lenders see more borrowers give up

By Noelle Knox, USA TODAY

On the front lines in the mortgage foreclosure crisis, lender and loan servicer Dennis Lauria says his deepest losses are from borrowers who owe more than their homes are worth and simply mail in the keys, rather than try to work out a new payment plan.

"I can't get you to pay if you've got no skin in the game," says Lauria, senior vice president of Popular Mortgage Servicing in Cherry Hill, N.J., who says 14% of his customers with subprime loans — high-interest loans given to people with poor credit ratings — are in default.

Nearly 3 million homeowners were behind on their mortgages at the end of last year, the Mortgage Bankers Association (MBA) said last week. An additional 1 million-plus borrowers were at risk of imminent foreclosure. The number of foreclosures is likely to set records throughout the year and poses an increasing risk to the housing market, the financial markets and the economy.

Federal Reserve Chairman Ben Bernanke says the mortgage industry needs a "vigorous" response to help beleaguered homeowners. But what about the response — or lack of one — from borrowers?

In California, Florida and Nevada, particularly, where prices are falling the steepest, rising numbers of borrowers are giving up and abandoning their homes despite the significant damage a foreclosure can have on the credit ratings that determine their ability to get future loans.

Nationwide, more than half the borrowers who lose their homes through foreclosure never answered their lenders' calls or letters, according to Freddie Mac. And an MBA analysis found that 23% of loans in foreclosure last fall were to homeowners who had no contact with their lenders, and that an additional 18% were to absentee owners.

The numbers help explain why it's so difficult to reverse the trends of rising foreclosures and falling property values. Even some homeowners who can afford to pay their mortgages are defaulting, Lauria says, because their house might have lost 30% of its value, and they figure it will be a long time before it's worth what they paid for it.

"They say, 'If I play my cards right, I can live here free for 12 months, maybe longer' " before the lender can foreclose, Lauria says. "Our challenge isn't contacting the borrower. I can talk to them, but they stick their tongue out at me."

Hundreds of thousands of distressed homeowners are reaching out for help. The Homeownership Preservation Foundation, part of the Hope Now Alliance, fields more than 4,000 calls daily to its toll-free hotline (888-995-HOPE). But about 1 in 4 callers don't want credit counseling, the foundation says. Many simply want financial relief.

Thary Yin, 26, who works at Wells Fargo's call center in South Carolina, talks with 10 to 20 borrowers a day.

"A lot of the stories I hear from mortgagors are situations that are very, very extreme," she says. "I talked to a cancer patient, and after Katrina hit New Orleans, the stories I hear. … Wells Fargo offers solutions on the mortgage side, but on the personal side, you can only cover so much on a phone call. Not being able to do more personally is the most difficult thing for me."

Getting more aggressive

With home prices sliding and politicians calling for government and the mortgage industry to do more to help troubled homeowners, lenders and loan servicers such as Lauria are becoming more aggressive in contacting delinquent borrowers and modifying loans to make payments a bit easier.

Such tactics make sense for the loan industry: The last thing a lender wants is another vacant property to fix up and sell.

"We're becoming more realistic about where the market's going to go," said David Sunlin, senior vice president for foreclosures and bankruptcy at Countrywide Financial, which is the nation's largest mortgage lender and the focus of several government investigations into aggressive lending practices that made the company financially vulnerable.

With an inventory of nearly 40,000 foreclosed properties nationwide, Sunlin says, he will work with a borrower to try to sell a property, even with a sizable loss, up to the date it's scheduled to be auctioned at a foreclosure sale.

At JPMorgan Chase, which has seen foreclosures jump 38% in the past two years, cases now go from collections to the "loss mitigation" department just five days after a borrower misses a payment, so the company can try to find a faster solution to keep the homeowner in the property. Not so long ago, the loss mitigation department didn't get involved until 90 days after a missed payment.

As soon as a lender takes control of a property, the value begins to drop while the maintenance costs mount.

Safeguard Properties, a company many lenders use to change the locks, cut the grass and board up windows on foreclosed homes, has seen business rise more than 15% during the past year. A lender will pay $600 to $1,200, and more in some cases, for Safeguard to care for each property.

The largest surges in new foreclosures in the fourth quarter of 2007 were in California, Arizona, Nevada and Florida, where the frenzied real estate boom in the past several years attracted buyers who put little money down and got risky loans with virtually no proof of income.

Avoiding lenders

There are many reasons homeowners behind on their mortgages fail to contact their lenders, mortgage specialists say. Some don't believe their lenders can help them. Others fear it will only speed the foreclosure process. And some don't call because they simply don't have money to give the lender, according to surveys by Wells Fargo and Freddie Mac.

"It's (lenders') own fault that borrowers won't answer their calls," says Todd Buckner, CEO of National Housing Solutions, a for-profit mediator between borrowers and lenders to stop foreclosures. "Their collections departments have beat (delinquent homeowners) over the head for months. It's no wonder borrowers won't answer the phone."

To reverse public perception that they don't want to work with troubled borrowers, lenders are hiring and training hundreds of employees to answer calls and help borrowers restructure their mortgages. They also are turning to more creative ways to try to reach at-risk homeowners.

The Hope Now Alliance, a coalition of 28 lenders and loan servicers supported by the Bush administration, has mailed more than 1 million letters since December to borrowers with subprime, adjustable-rate mortgages (ARMs). In many cases, the lenders are offering to freeze the borrower's interest rate for five years. In other cases, borrowers may qualify for a 30-year, fixed-rate loan. Even so, the response rate has been less than 20%, on average.

To find homeowners who have stopped paying their mortgages and moved out, lenders use companies known in the trade as "skip tracers." One of them, Players National Locator, for example, is receiving 7,000 cases a month from lenders looking to track down delinquent homeowners, up 20% since September.

Martin Goodman, president of Residential Capital in San Diego, sends his delinquent borrowers a $5 Starbucks gift certificate, along with documents that explain how his company can help them restructure their loans and avoid foreclosure. His response rate is only 10%.

But Goodman says making contact is only one challenge. The other is persuading delinquent borrowers to tell the truth about their financial condition. He suspects at least 90% of borrowers don't explain the real reason they are falling behind on their payments out of fear it might accelerate their foreclosure.

"Everybody's grandmother is dying. Everybody's kid is having surgery," Goodman says. "I'd rather somebody say, 'We mismanaged our debt. This is what we make, and this is what we can afford.' "

A 'sense of entitlement'

As home prices fall from coast to coast, 8.8 million homeowners will have mortgage balances equal to or greater than the value of their property by the end of the month, Moody's Economy.com. predicts.

That could come as a shock to consumers who thought property values would always rise, and it helps explain the attitudes lenders are seeing among their troubled customers, Goodman says.

"If you buy a car and it depreciates," Goodman says, "you don't expect the automobile dealer to write off your loan. There's a sense of entitlement (among homeowners) that is just unbelievable."

Goodman, whose firm specializes in home equity credit lines, says the main reasons people took out the loans were for home improvement, debt consolidation and medical expenses. But he estimates that about 20% used the cash to go on vacation or buy a new car.

Stories like his are fuel for the opposition in Washington against a government bailout for homeowners facing foreclosure. On the other side, consumer advocates such as the National Community Reinvestment Coalition (NCRC) can cite a litany of abusive lending practices that hurt homeowners.

"The government ought to get involved because there's been a market failure," said John Taylor, CEO of NCRC. "Our proposal is for the government to act as a cash-flow agent, to temporarily acquire the mortgages creating these problems long enough to refinance them into sensible terms and conditions. There would be no bailout because the government gets paid back."

So far, the Bush administration has backed two initiatives from the Hope Now Alliance to help some homeowners avoid foreclosure. But their restrictions severely limit their effectiveness.

In December, for example, the alliance said it would freeze interest rates or refinance an estimated 1.2 million homeowners with subprime ARMs. To qualify for the interest-rate freeze, borrowers would have to be facing a 10% increase in their mortgage payment once their interest rate reset. But many subprime ARMs are tied to an international index that has fallen 2 percentage points since Christmas.

"In our portfolio, 60% of the borrowers who would have gotten fast-tracked (under the Hope Now plan) would not get that now that the rates have changed so much," said Melissa Lucas, director of loss mitigation for Home Loan Services.

Instead of a payment increase of $450 a month, on average, her customers will see their payments rise by only $135. They may still qualify for other loan modification programs, she said, but not for the Hope Now plan.

FHA can help, sometimes

In a separate push, the administration backed this year's temporary increase in the maximum loan limits of the Federal Housing Administration, which caters to first-time and low-income borrowers.

The FHA also has created a new loan program, called FHASecure, to help subprime borrowers refinance out of risky ARMs. Since it was announced in fall, the FHA has received about 277,000 applications and approved fewer than half of them.

In New Jersey, Lauria said he sent the FHA about 3,000 of his company's delinquent loans to see how many could be refinanced under the FHASecure program. The answer: 61.

Even for the borrowers who contact their loan servicers, the options the companies can offer are tightly constrained by their contracts with investors who buy and sell pools of loans that are packaged as bonds.

But Lauria doesn't believe every homeowner who can't pay their mortgage can or should be saved.

"One-third of people who are delinquent should be in foreclosure. It's the best alternative," he says. "They don't have the money. They shouldn't have (gotten the loan) to begin with."

And that's why, he says, he doesn't blame some of them for walking away from their homes.

Is The Governments Plan To Help Homeowners Avoid Foreclosure Enough??? -www.SellQuickForCash.com-

2008-03-08T08:12:00.000-07:00

This is another statistic that lends to the reason why short sales are becoming a popular method of liquidation for lenders. The homeowners usually work out a payment plan with their lender and 80% of them don’t even receive a FIRST PAYMENT! It is no wonder why banks are discounting properties so frequently. Now is the best time to look at short sales as an exit strategy from your home!

CRL Criticizes Government’s Loan Modification Program

Article: Kerri Panchuk

The Center for Responsible Lending (CRL) says the U.S. Treasury Department’s existing plan to help distressed homeowners is ineffective and realistically will only have the impact of preventing 118,200 foreclosures, which is only 3-percent of the outstanding subprime loans that are in the marketplace heading towards rate resets.

CRL said, “This analysis shows the Treasury plan, plus existing lender modifications, barely make a dent in the growing foreclosure crisis and will allow subprime damage to continue spreading through the entire economy.”

In a critique of the plan, CRL claims data supplied by the Mortgage Bankers Association points to a disturbing trend in which voluntary loan modifications will be significantly outnumbered by potential foreclosures.

Below is a verbatim list of CRL’s criticisms of the Treasury Department’s plans:(Source: CRL)
On all loans, industry data show that for every loan modification made by a lender, seven times as many foreclosures are initiated. For the subprime adjustable-rate mortgages (ARMs) that are at the root of the current crisis, foreclosures outnumber modifications 13-to-1.

Lenders are giving themselves credit for loan "repayment plans," but these should not count. Repayment plans make homeowners’ monthly mortgage payments higher. And they allow lenders to designate a distressed loan as being current without actually changing any of the terms that made a mortgage unaffordable in the first place.

It is questionable whether even the true loan modifications will be sustainable because lenders have no obligation to report outcomes. In fact, previously Countrywide acknowledged that most of its touted modifications actually "involved deferring overdue interest or adding the past due amount to a loan," not reducing interest rates or principal balances on unaffordable subprime ARMs

www.SellQuickForCash.com Specializes In Helping Homeowners Short Sale Their House(s). We Are Highly Educated Loss Mitigation Specialists With Years Of Negotiating Expertise! If You Are Considering A Short Sale, Contact Us For A Free, No Obligation Review Of Your Options.

480-861-8732

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Are You Facing Foreclosure? Real Advice On How To Deal With And Avoid Foreclosure!

2008-03-01T05:43:00.000-07:00

At www.SellQuickForCash.com we answer countless calls, and show up at many houses where homeowners who are facing foreclosure are not sure or understand what is happening to them, and more importantly, what to do about it! If you are falling behind on your mortgage payments and are getting letters and phone calls from your lender(s) asking you to contact them, then here are a few tips for dealing with foreclosure.

1. DO NOT IGNORE YOUR LENDER

You have options at this point and by ignoring the problem you are making it more and more difficult to negotiate a work-out plan (forbearance agreement) with your lender(s). The further behind you become the chances you will lose your home increases.

2. EVALUATE YOUR SITUATION

Do you have any equity in your house that you are trying to protect? This is the golden question and is not always easy to answer. Many of us created HUGE equity when the housing market went nuts in 2004-2005. Unfortunately many of us did not sell during that time and instead refinanced and stripped the equity from our house! Two things are happening today….one, prices are falling and therefore our equity is disappearing, and two, we have overleveraged our houses and already spent the money.

If you evaluate your situation and realize that you do have significant equity in your home, you actually have some really good options! You could list your home with a highly skilled and determined Realtor that uses strategic pricing and strong marketing to sell your home before you go to foreclosure. Or, you could contact a company like http://www.sellquickforcash.com/ and sell your house within 3 days with no Realtor fees, repairs needed, closing costs, or hassles!

If you evaluate your situation and realize that you do not have any equity in your home, a Short Sale is a great option for avoiding foreclosure and if you CLICK HERE, we will explain the ins and outs of this amazing exit strategy!

3. UNDERSTAND YOUR OPTIONS

First, you want to try every available means to stopping your foreclosure before you decide to sell your house quickly. Contact www.HUD.gov/foreclosure/ for some great foreclosure advice. You can also visit www.fha.gov/foreclosure/index.cfm for more free advice. While we agree that these government services are great for some homeowners, they are not always able to act in the speed you might need to avoid foreclosure. Depending on your equity position, you can also:

SELL YOUR HOUSE FOR CASH: Maybe you are currently FACING FORECLOSURE or have other financial pressures and are forced to sell your house quickly. It can take 3...6...9 months or more to sell the traditional way, and there is no guarantee you will sell fast enough before the auction takes place. Whatever your reason is for needing to sell quick for cash, we have the cash available, and the team of experts in place to close in as little as 3 days. We buy homes all over the Phoenix Metro area and can buy yours too!

SELL YOUR HOUSE FOR CASH AND RENT IT BACK: There are many reasons why you would want to sell your house to us and keep living in it. Financial pressures, a difficult divorce, a pending foreclosure are just a few of the many reasons you may need to sell quickly. This option is perfect for anyone that says "I want to sell my house fast" but does not want to move out yet. You can rent your home back for as little or as long as you wish and the best part is we will always structure the deal at very competitive market rent rates.

SELL YOUR HOUSE FOR CASH, RENT IT BACK WITH AN OPTION TO BUY AT A PRE-DETERMINED PRICE: If outside circumstances have forced you to sell your home without you wanting to move, we can create a plan with a short-term rental, or long-term rental that has an option to buy-back the home at a pre-determined price. This allows you to get quick cash for your house, continue living in it, and buy it back for less than market value while saving most of your hard earned equity. This is a great option if you believe your situation is only temporary and you will want to continue owning your home in the future once your finances get stronger! The best part of this deal is all of our rental rates, and buy back options are set up fairly with the price agreed upon in advance.

If you do not have any equity, you can:

NEGOTIATE A SHORT SALE WITH YOUR LENDER: A Real Estate Short Sale refers to a lender(s) accepting a sales price that is less than what is currently owed plus all related sales expenses. This is common in a declining housing market and can be a win-win for both the bank and the homeowner. Normally a bank will begin to look at the short sale option only if the homeowner is behind on payments and begins to face foreclosure. This option is great if you have no equity and can find a skilled Realtor or Investment Company that understands how to negotiate through the short sale process.

4. AVOID FORECLOSURE PREVENTION SCAMS

If a company is sending you letters, calling you on the phone, or showing up on your doorstep and is promising to stop the foreclosure auction if you sign some paperwork, more than likely they are trying to take advantage of your situation and steal your equity. The most common scam in the foreclosure industry is where a fast talking person shows up with a lot of paperwork saying that he was sent there by your lender(s) and can stop the auction and refinance your home if you sign all the documents. What you are unaware of is within all those documents, is a purchase contract, and the deed to your house! Before you know what has happened, the so called representative is gone and you no longer own the equitable rights to your home. They then go out and use someone with good credit to pull cash out of your house and vanish without a trace! Follow the links for other well known foreclosure scams. The more you know and understand, the less likely you will ever fall into one of these traps!

http://www.consumeraffairs.com/news04/2005/virtual_realty.html

http://www.bankrate.com/brm/news/mortgages/20050728a1.asp?prodtype=loan

If you would like to learn more about our company and the options we could provide you in this temporary time of financial need, please contact us anytime. Our consultations are always free and there is never any obligation to use us.

We are so confident in our abilities, that we share who our competition is on our “Who We Are” page for you to comparison shop. One of our Home Buying Specialists is waiting for your call!

www.SellQuickForCash.com

Info@SellQuickForCash.com

480-861-8732

Want Short Sale Or Foreclosure Advice? Are You Trying To Stop Foreclosure In Arizona By Short Selling Your Home?

2008-02-24T09:49:00.000-07:00

ARE YOU INTERESTED IN SHORT SALES? ARE YOU ASKING YOURSELF "HOW TO SHORT SALE MY HOUSE?" ARE YOU TIRED OF FEELING LIKE YOUR SINKING IN DEBT?

HTTP://WWW.SELLQUICKFORCASH.COM CAN PAY CASH FOR YOUR ARIZONA HOUSE FAST! WE BUY AND NEGOTIATE SHORT SALES!

A lot of homeowners that visit our website call us to understand HOW SHORT SALES WORK? I created this quick Blog post to give a fast explanation on the ins and outs of short sales in Arizona, as well as give a good understanding of the short sale process! The following are some general questions we get when homeowners call:

Is doing a Short Sale a good option for a homeowner that is having a tough time selling in today’s market because they owe as much or more than their house is worth?

First, we have to understand the three major areas of a homeowner’s life that a short sale could affect:

1. Credit Issues

A short sale may adversely affect a borrower's credit rating because a lender can report for seven years that a loan has been "settled" for less than its balance. Although a lender is unlikely to change what it reports to credit bureaus, a borrower may attempt to negotiate this issue when arranging the short sale or request a letter from the lender detailing any extenuating circumstances surrounding the short sale. We use http://www.genesiscreditgroup.com/ when dealing with any credit concerns!

2. Deficiency Judgment

In order to recoup any shortfall in the final sales price, including attorney's fees, court costs, and accrued interest charges, the lender must file a deficiency judgment. A deficiency judgment is defined as a judgment that has been issued when the collateral for the loan is inadequate to satisfy the lender's debt completely. Arizona is a Non-Deficiency State meaning that most single family residences are not at risk to cover the difference between the amount owed, and the amount accepted from a Short Sale. According to http://www.azleg.state.az.us/ars/33/00814.htm the law is as follows:

33-814. Action to recover balance after sale or foreclosure on property under trust deed

F. A deed of trust may, by express language, validly prohibit the recovery of any balance due after trust property is sold pursuant to the trustee's power of sale, or the trust deed is foreclosed in the manner provided by law for the foreclosure of mortgages on real property.

G. If trust property of two and one-half acres or less which is limited to and utilized for either a single one-family or a single two-family dwelling is sold pursuant to the trustee's power of sale, no action may be maintained to recover any difference between the amount obtained by sale and the amount of the indebtedness and any interest, costs and expenses.

Lets Recap:

Arizona is a non-deficiency state and as long as your home qualifies under the above foreclosure laws, you do not have to pay back the difference between what you owed, and what you finally sell your home for! Just to be safe, a good Realtor or Investor should negotiate for the lender to put in writing to waive their right for a deficiency.

3. Tax Complications

When completing a Short Sale, possible tax issues can arise for the homeowner. As such, an owner considering a Short Sale should be encouraged to discuss these issues with an attorney, accountant, or other appropriate professional. From my understanding, the debt forgiven by a lender is generally taxable to the borrower as "debt discharge income." When a taxpayer receives proceeds from a new loan, those proceeds are not taxable income because there is an offsetting obligation to repay. However, if the debt is cancelled, there may be debt discharge income. This basically means that if you owe $200,000 and Short Sale the home for $150,000, on your next tax return it could look like you have $50,000 worth of earned income from the sale of your residence and would be treated as taxable income. IRS Form 1099-C: Cancellation of Debt will be sent to you at the end of the year.

BREAKING NEWS! H.R. 1876: The Mortgage Forgiveness Debt Relief Act of 2007 would eliminate the tax owed on any forgiven mortgage debt. This bill has been passed and signed into law by the president! The bill permanently eliminates tax on up to $2 million of debt for a principal residence. The best part about this bill is that it is retroactive to January 1st, 2007. This means that any Short Sale conducted after that date automatically is protected from any tax implications! For more info, please visit http://www.whitehouse.gov/news/releases/2007/12/20071220-6.html

Let’s Recap:

The bank accepts a Short Sale, your foreclosure is canceled, and you sell your home for less that what you originally owed. The new House Bill H.R. 1876 should protect you, but if you do not qualify, and you receive a 1099-C: Cancellation of Debt at the end of the year, you still have options! Ask your accountant about the IRS Form 982: Reduction of Tax Attributes Due to Discharge of Indebtedness (http://www.irs.gov/pub/irs-pdf/f982.pdf). If you can prove your insolvency (your expenses outweigh your income) then you should qualify for an exemption and not be taxed on the deficiency.

How does a typical short sale negotiation work (i.e. the general process)?

Short Sales are a difficult and time consuming process that only true professional negotiators should undertake. You only have one shot to get it right or you risk facing a foreclosure on your record! Here's the general process:

1. Initial offer is made and agreed to between buyer and seller (subject to lender's approval) 1-3 days

2. Short Sale package is prepared and submitted to lender - Week One

3. Lender processes the package through their system - Week 2

4. Lender orders a Broker's Price Opinion - Week 3

5. Lender says they can't find the package and asks you to resubmit it. Week 4-5

6. Broker Price Opinion is Performed and submitted to lender - Week 4-5

7. Broker Price Opinion is evaluated by Lender - Week 6

8. Lender says they can't find the package and asks you to resubmit it - Week 6

9. Loss Mitigation Specialist is Assigned and Whole Package is Reviewed - Week 7-8

10. Lender proposes A Counter Offer - Week 9

11. Negotiation Continues - Week 10-12

12. Agreement is reached and the closing takes place within 30 days.

What are some of the negotiating practices you have found to be effective?

First, understand the goals of the parties involved:

Buyer: Wants to buy as low as possible
Lender: Wants to sell as high as possible
Real Estate Investor / Realtor: Wants to buy a property below market value or earn a commission. Also, they want to follow the law in their state.
Seller: Praying that it all works out and stops the foreclosure

Second, listen more than you talk. The other side always wants to be heard. If you don't let them tell you their side, you are going to lose.

Third, Always let the other side talk first. There is an axiom in negotiating, "He who speaks first loses."

Fourth, remind everyone that you are trying to reach a win/win solution.

Fifth, remember that NO is not a final answer. You may have to go through 7 NO's to get to the YES you want.

Are there any common mistakes you see people make in short sale negotiations?

1. Lenders mistakenly believe the BPO (Brokers Price Opinion) is correct. However, the BPO is usually prepared by an inexperienced agent because the lender only pays @ $50.00 for it. It is our job to influence the BPO to reflect the true market value!

2. Buyers become impatient and lose sight of their goal. If we are negotiating a short sale on behalf of a seller and we find an end buyer other than ourselves to purchase the property, it is our job to keep the end buyer on the line long enough to finish the negotiating process!

3. Becoming angry is a negotiation killer. The Loss Mitigation processors at the banks are overwhelmed with the amount of foreclosures they are getting back on a daily basis. Imagine you working in a call center only dealing with hundreds of angry homeowners and short sale negotiators all day long! It is our job to constantly stay in touch with our assigned Loss Mitigation processor and stay on their good side. We have many negotiating tricks and techniques that get the job done, but avoid pissing off these overworked bank employees!

Can you give me a specific example of a negotiation that went particularly well, or particularly poorly, and why it went the way it did?

Seller Owed: $320,000

We Offered: $199,000

BPO: $219,000

Field Test: $240,000 (This was like an appraisal review)

Lender's Counter-Offer: $240,000 Close in 7 Days

Our Counter-Offer: $209,000Our Offer Was Accepted!

This short sale took two and a half months to complete! The house needed about $15,000 worth of repairs and was in an o.k. location in North Phoenix. The major negotiating stance we took was that it bordered the 202 Freeway, needed some repairs to get it up to a marketable condition, and had over 45 bank owned properties and listed short sales within a 2 mile radius! Our expert negotiator worked diligently on this file and in the end the homeowners avoided foreclosure and we were able to purchase the house for a great deal!

Is there anything else you think is important for homeowners to know?

1. Work with an experienced Real Estate Investment Company or Realtor unless you like to learn things the hard way. Lenders will not allow you to negotiate your own short sale no matter what they tell you in the beginning! Local investment companies all say and do the same things, it is the character one conducts business in, the ethics they abide by, and the systems they have in place that sets a good investment company above the rest.

At SellQuickForCash.com we pride ourselves on our commitment to our clients and their families! We only choose to work with those that we truly feel we can help in their brief period of financial despair!

2. Make sure you have plenty of patience and can stay calm during this time-consuming process. We will do everything in our power to keep you informed every week so you understand where in the process we are! We take great pride in our organization and short sale system we have created and believe we are the best option for homeowners that are upside down, have a verifiable hardship, and need to sell their house quickly to avoid foreclosure.

WWW.SELLQUICKFORCASH.COM/SHORTSALE.HTM

INFO@SELLQUICKFORCASH.COM

480-861-8732

WE STOP FORECLOSURE, WE SHORT SALE YOUR HOUSE, WE SHORT SALE HOMES, WE BUY SHORT SALES, WE PAY CASH FOR SHORT SALES, SHORT SALE EXPERTS, FORECLOSURE EXPERTS, SELL YOUR HOUSE FAST, WHAT IS A SHORT SALE, HOW TO SHORT SALE MY HOUSE, PAYING CASH FOR HOUSES, SELL MY CHANDLER HOUSE FAST, SELL MY TEMPE HOUSE FAST, SELL MY MESA HOUSE FAST, SELL MY GILBERT HOUSE FAST

Local Short Sale Experts Help Arizona Homeowners Short Sale Their Houses! www.SellQuickForCash.com

2008-02-19T10:17:00.000-07:00

Are you asking yourself "How To Do A Short Sale On My House?" How about "What Is The Short Sale Process And How Does It Work?"

www.SellQuickForCash.com Buys Short Sales In Arizona!

It normally starts with by a job loss, death in the family, medical emergency, or option ARM adjusting. You fight to pay your debts, you understand that you don't have enough equity to refinance, and eventually you have to make a choice of which bills to pay....your mortgage, your car, or your credit cards. After you miss that first payment, your mortgage lender starts calling you. By the second month they start harassing you, and by the third month they start threatening you. Their big solution....pay them a large chunk of your arrears (the amount you owe them plus late payments, attorneys fees, and interest) and the rest will be spread out over a year's time increasing your monthly payments by hundreds of dollars. WOW, what a solution...let's raise my payments seeing how I am just overwhelmed with extra money each month!

So you accept the forbearance plan and try paying your lender what they want, quickly realizing how impossible this task really is. Finally you give up and miss some more payments resulting in the lender(s) filling for foreclosure. You ask yourself "what are my options?" Fortunately you have some choices...let's review them here:

Option #1: Pay Off Your Arrears

This option only works if you actually have some money, or have the ability to borrow some money. This is by far your best option, but lets be real...if you have money you probably won't be facing these circumstances and you would be reading this purely for entertainment purposes.

Option #2: Deed-In-Lieu

The process of transferring ownership from you back to the lender is called a Deed in Lieu of Foreclosure, and it is sometimes referred to as a "friendly foreclosure". If there are no other liens on the title, the lender may agree to take the property back. Unfortunately this option does not protect your credit, nor will it cut off the rights to the junior lien holders so this normally only works if there is only one loan on the property. Also, this option avoids the possibility of a deficiency judgment in the event the property fails to produce enough income to cover the outstanding debts after it goes to auction. If you have a lot of equity in your home, this is a horrible options seeing how you will give up your rights to receive any surplus from the auction!

Option #3: Do Nothing And Let It Go To Auction

This is by far the worst of your options. A foreclosure on your record has a devastating impact on your credit, your health, your love life, your job, basically all daily activities for about 7-10 years. You will be evicted from your home and you will leave with nothing in hand. You must try something, anything to stop this from happening. You have many options if you have a ton of equity in your property, but the walls can feel like their closing in if you are upside down in your home. Fortunately there is a solution!

Option #4: A Short Sale

A Real Estate Short Sale refers to a lender(s) accepting a sales price that is less than what is currently owed plus all related sales expenses. This is common in a declining housing market and can be a win-win for both the bank and the homeowner. Normally a bank will begin to look at the short sale option only if the homeowner is behind on payments and begins to face foreclosure. The process works like this:

The homeowner(s) begin to miss payments

The lender(s) try to arrange a repayment plan

The repayment plan fails or is never attempted and the bank mentions a short sale

Requirements for a short sale are:

A proven financial hardship

Behind on payments (In most circumstances)

You owe as much or more than your home is currently worth

The homeowner requestS a short sale packet from their lender(s)

The bank notifies the homeowner(s) that they can't turn in the short sale packet until they have a signed purchase contract

The homeowner(s) have to decide what to do next

http://www.sellquickforcash.com/ specializes in negotiating short sales for Arizona homeowners. At www.sellquickforcash.com we buy houses fast for cash with no Realtors, Fees, or Hassles!

WWW.SELLQUICKFORCASH.COM has a team of highly trained short sale experts who have established fantastic relationships with most banks. We will handle your short sale transaction for you giving you the peace of mind you are searching for. The short sale process is NOT a "do it yourself" project. To successfully negotiate a short sale with a bank takes an experienced and highly trained real estate agent as well as a skilled negotiator. Our advanced process is extremely organized and we conduct these short sales in the quickest time possible relieving you of the fear of foreclosure!

CALL 480-861-8732 OR GO TO http://www.sellquickforcash.com/shortsale.htm NOW!

How To Stop Foreclosure In Arizona By Contacting www.SellQuickForCash.com Today - 480-861-8732

2008-02-10T09:01:00.000-07:00

HOW TO STOP FORECLOSURE IN ARIZONA IS SIMPLE WHEN YOU CONTACT http://www.sellquickforcash.com/

If you are FACING FORECLOSURE in Arizona and feel like time is running out, take a deep breath of relief and begin educating yourself on your options by visiting SellQuickForCash.com's website. We have placed tons of free, relevant information that will help you understand your situation, as well as the options and solutions available to you. We understand that you are not in foreclosure, but your house is...and that the financial pressures you are facing are short term and can be remedied by choosing the correct solution. Our team of foreclosure experts are highly trained and educated on Arizona's Foreclosure Process and have access to quick cash so if you are feeling overwhelmed with stress and want to team up with true experts, CONTACT US TODAY.

TAKE CONTROL NOW!

Many homeowners find themselves being bullied around by their lender(s), inundated with mailings, and annoyed with random door-knockers! Many homeowners find themselves trying to sell, but not able to find a qualified buyer in a timely manner. Take control from the start by educating yourself on your distinctive situation and choose to work with those you can trust. We understand every aspect of the foreclosure process, are up to date on Arizona's Foreclosure Laws, and can help you avoid your foreclosure but you must call now. Time is not your friend and the faster you call, the more options that will be available to you and your family! IF YOUR FACING FORECLOSURE, CALL 480-861-8732 NOW TO SPEAK WITH ONE OF OUR HOME BUYING SPECIALISTS.

YOU ARE NOT ALONE!

According to an article in CNN-Money, 1 out of every 74 Phoenix-Metro Homeowners has filed for foreclosure since the beginning of the year. The sub-prime meltdown along with those painful interest rate hikes associated with interest only ARM's are forcing more and more homeowners to face foreclosure. At SellQuickForCash.com, we understand that bad things happen to good people and our specialists are waiting to create a custom tailored solutions to your housing problem.

DOES THIS SOUND FAMILIAR:

"I've tried to work it out with my mortgage company, but their big solution is to raise my payments to cover the back payments I missed."

"I have tried to contact the mortgage company but they won't call me back."

"My adjustable rate mortgage went up and I can't afford the payments. Now I am late 2 payments and can't foresee how I am going to make them up!"

"They set me up in a Forbearance Plan but I can't afford the payments...What can I do?"

"The Lady working for my lender was rude...as if I was a burden and not worth trying to help."

NO MATER WHAT YOUR SITUATION, WE CAN HELP!

We Have helped Arizona families avoid foreclosure, save their credit, and keep their equity. If you are looking to save your home, we have many options for that as well. No matter what your situation is, we look forward to offering real solutions that fit your needs. WE CAN STOP FORECLOSURE.

Our Services Are Fast, Friendly, And Flexible. We Take Great Pride In Our Ethics And Business Standards!

http://www.sellquickforcash.com/

INFO@SELLQUICKFORCASH.COM

480-861-8732

www.SellQuickForCash.com Can Stop Foreclosure And Negotiate Short Sales In Arizona - 480-861-8732

2008-02-03T17:55:00.000-07:00

Arizona Foreclosure Specialists Can Stop Foreclosure And Negotiate Your Short Sale!

Are You Asking Yourself "How To Stop Foreclosure And Short Sale My Home?"

www.SellQuickForCash.com Is Comprised Of A Team Of Short Sale Specialists That Are Experts In Arizona's Foreclosure Process And Can Negotiate A Short Sale On Your Behalf With Your Lender!

If you are tired of empty promises from Un-knowledgable Realtors, Random Investors, and so called Short Sale Guru's, then contact a local company that has a proven track record negotiating Arizona Short Sales. SellQuickForCash.com can help you stop foreclosure in Arizona fast releasing you from your housing burdens. If you are upside down on your mortgage, facing foreclosure, and have a verifiable hardship as to why you are in the situation you are in, then you might qualify for a short sale in a negotiated settlement with your bank.

No matter what anyone tells you, short sales are difficult to do and you only have one shot to do it right. Why put your trust into a person or a company that talks the talk but can't verify their real capabilities! We invite you to PUT US TO THE TEST by going onto our website, reading our testimonials, educating yourself on the short sale process (our website has tons of free information), and finally calling us at 480-861-8732. We conduct Dozens of Short Sales on a monthly basis with outstanding results. Our Loss Mitigation Specialists are highly trained in negotiation techniques as well as the Arizona Foreclosure Process. When you decide to use our company, you will be assigned a personal Loss Mitigation Rep that will educate you further on your situation and what to expect. The will have weekly updates keeping you in the loop at all times. A licensed Realtor will also be assigned to you to answer any questions you might have as well as facilitate your listing. We have a proven system that get real results so make the right choice and CLICK HERE TO START EDUCATING YOURSELF ON YOUR OPTIONS.

If you are Facing Foreclosure and are not upside down on your mortgage, we have solutions for you to! No matter what your situation, if you are trying to sell your house fast for cash, and do not have the time to sell it traditionally with a Realtor or For Sale By Owner, then you should contact us immediately to learn what SellQuickForCash.com can do for you.

Why Live With The Paralyzing Stress Of Foreclosure When You Could Hire TRUE SPECIALISTS That Can Produce REAL RESULTS?

When Your Ready, Please Submit Your Property To Our Website And Verify That We Are The Real Deal! We Can Help You Sell Your House Fast! We Look Forward To Discussing The Options Available To You Regarding Short Selling Your Arizona Home.

http://www.sellquickforcash.com/

INFO@SELLQUICKFORCASH.COM

480-861-8732

Sell My Tempe House Fast By Contacting www.SellQuickForCash.com

2008-01-22T11:38:00.000-07:00

SELL YOUR TEMPE HOUSE FAST BY CONTACTING WWW.SELLQUICKFORCASH.COM TODAY!

SellQuickForCash.com is giving Tempe, Arizona homeowners REAL OPTIONS in todays housing market! WE BUY HOUSES IN TEMPE, ARIZONA! SELL YOUR TEMPE HOUSE FAST! WE PAY CASH FOR TEMPE HOUSES!

If your saying to yourself, "How To Sell My Tempe House Fast?", then you might want to contact http://www.sellquikforcash.com/ @ 480-861-8732 today. We are Arizona's #1 CASH FOR HOUSES website specializing in creating custom solutions to Arizona's housing problem one house at a time! We pay cash for houses with no Realtors, no fees, and no hassles guaranteed! Plus, we can close in as little as 3 days. We have many options to choose from such as:

No matter why you are trying to sell your Tempe, Arizona house fast, we have the experience, team of experts, and cash on hand to solve your financial housing problems.

Maybe Your saying to yourself "I have no equity, in foreclosure, and need to sell my Tempe house fast". Thats ok and we can still help you. We happen to be Arizona's #1 Short Sale Specialists and can negotiate a discounted purchase of your house directly with your lender(s). We have solutions for every housing problem and can spend the time to educate you on your options.

DO NOT BE BULLIED BY OTHER INVESTMENT COMPANIES THAT CLAIM THEY CAN HELP YOU ONLY TO FIND OUT THEY USE SCARE TACTICS TO BEAT YOU UP AND STEAL YOUR EQUITY!

RESEARCH US and you will quickly realize that we create WIN / WIN custom solutions that will give you peace of mind at lightning speed. WE ARE NOT A LARGE INVESTMENT COMPANY! Instead, we are a small local group of highly trained Foreclosure Experts that see a need to help Arizona families! We invite you to shop us around with our competition...our reputation and offers will stand up to the test!

http://www.sellquickforcash.com/

Info@SellQuickForCash.com

480-861-8732

SELL MY CHANDLER HOUSE FAST! - www.SellQuickForCash.com Pays Cash For Houses In Chandler, Arizona.

2008-01-15T11:18:00.000-07:00

WE BUY CHANDLER HOMES FAST!

Do you want to sell your Chandler, Arizona House Fast?

Do you want to sell your Chandler, Arizona home fast...no agents...no fees...no hassles? You're in the right place! We buy homes in any condition. http://www.sellquickforcash.com/ is Arizona's #1 and fastest homebuyer specializing in helping homeowners solve their housing problems!

Housing Market Is Out Of Control

Arizona has a record breaking 50,000+ single family homes listed for sale and is steadily rising. Average days a home sits on the market in Maricopa County is close to 6 months. Foreclosures have had a devastating effect of the value of your home. Whole neighborhoods have declined in value and the next few years looks to be just as bad if not worse! You may not be aware of this fact but you will have to pay out 15% - 20% of the sale price of your home while waiting anxiously for it to sell. This means if your house sold for $350,000, it would cost you approximately $70,000 in commissions, repairs, utilities, additional mortgage payments and taxes. Why have the uncertainties of the market affect when you are going to sell? Why allow your current circumstance to affect your livelihood any longer?

The unfortunate reality of the market, along with extenuating circumstances, has forced many like yourselves to realize that what is worse than knowing..... is not knowing when your home is going to sell.

We Buy Chandler Homes For Cash And Provide Peace of Mind. (This is only one of the many options we may be able to offer!) GET A SELL QUICK FOR CASH OFFER

SellQuickForCash.com Offers Options and Solutions! We Are Self-Financed: Independent From Banks And Can Move Quickly!Cash For Your House In As Little As 3 DAYS! You Are Under No Obligation!

Buying People's Houses Instantly and For Cash Is Only One of Our Specialties. Your Problems Solved In Lightning Speed! We Pay Cash For Houses!

Relocating? Even just the thought of relocating can be discouraging especially when that is just one of many problems facing you at the moment. Maybe you've been laid off and finding a new job has been difficult? With a poor credit history, maybe refinancing or getting a loan seems as impossible as finding a new job quickly! Maybe you are embarrassed to ask friends or family for financial help? Possibly the thought of burdening those you love with large requests for money is more pain than you can bear? Maybe you just do not want to deal with the time restraints and costs of using a Realtor? Perhaps you are having major health issues with high medical bills? Maybe you've arrived at this painful crossroads as a homeowner facing foreclosure and your house will be auctioned off in the Foreclosure Process within the near future?

It doesn't matter how you got where you're at. SellQuickForCash.com is here to provide the solutions and resources you have been searching for! Why let the market determine when you can sell your Chandler, Arizona House? We buy Chandler homes fast and can buy yours to!

So Let's Recap...Here is what we offer:

A no-hassle, no obligation, FREE in home consultation!
We are quick. We can buy your home in as little as 3 Days!
There are never any hidden costs and everything we do is in writing!
We pay all closing costs, appraisal fees, everything! You pay nothing!
We offer a fair price. Typically our offers are within 70%-90% of your homes Fair Market Value!

SOUNDS LIKE A WIN / WIN SITUATION TO ME! We always offer custom financial solutions which will best suit the needs of you and your family. SellQuickForCash.com is Arizona's #1 Cash For Houses website offering fast solutions to your housing problems. We are honest, ethical and always fair so if you want to sell your Chandler House Fast, keep on reading!

Stop the worrying and call...there is never any obligation! Sell your Chandler, Arizona home fast!
If you are saying to yourself, "I want to sell my Chandler house fast, call 480-861-8732 today and speak with one of our Home Buying Specialists!

http://www.sellquickforcash.com/

Info@SellQuickForCash.com

480-861-8732

Sell Your House Fast - www.SellQuickForCash.com Pays Cash For Houses Fast!

2008-01-07T09:15:00.000-07:00

Do You Need To Sell Your Arizona House Fast? Would You Like An All Cash Offer Within 24 Hours? Are You Under Extreme Financial Pressures Or Facing Foreclosure?

WE BUY HOUSES FAST FOR CASH AND HAVE MANY OPTIONS TO CHOOSE FROM!

We buy Arizona homes in any area, any condition with No Realtors, No Fees, and No Hassles guaranteed. With over 50,000++ homes currently on the market and an absorption rate of around 3500 per month, why let the current housing market recession determine when you can sell your house? By choosing to sell your house to an investor, you can sell without making any repairs and on your time-line! Plus, SellQuickForCash.com listens to your situation and creates a custom solution that fits you and your family's current needs. Our whole investment model revolves around creating a WIN / WIN situation for the both of us.

WE ARE NOT A LARGE INVESTMENT COMPANY...INSTEAD, WE ARE A SMALL LOCAL COMPANY WHO CARE.

www.SellQuickForCash.com is Arizona's #1 Cash For Houses websites specializing in providing solutions to homeowners in order to solve their housing problems. Call 480-861-8732

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480-861-8732

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Stop Foreclosure Now - www.SellQuickForCash.com Can Help You Sell Your House Fast!

2008-01-02T08:59:00.000-07:00

WE BUY FORECLOSURES IN CHANDLER, ARIZONA. WE BUY FORECLOSURES IN MESA, ARIZONA. WE BUY FORECLOSURES IN TEMPE, ARIZONA. WE BUY FORECLOSURES IN GILBERT, ARIZONA

If you are asking yourself "how to stop foreclosure and save my home", then contact SellQuickForCash.com to educate yourself of the Arizona Foreclosure Process and learn about what options are available to you! Call 480-861-8732.

Are You Facing Foreclosure And Need To Sell Your House Fast? Are You Upside Down On Your Mortgage And Feel Trapped? Are You Tired Of Being Bullied Around By Your Lender?

SellQuickForCash is Arizona's #1 Foreclosure Experts specializing in Short Sales. Our team of specialists have the skills and experience necessary to negotiate a quick purchase with your bank(s). We negotiate short sales and stop foreclosure. We understand Arizona's foreclosure process and can educate you on your situation and the options available to you. You might qualify for a short sale if your experiencing any of the following:

You Are Unable To Make Your Monthly Mortgage Payments
The Bank(s) Are Threatening Foreclosure
The Foreclosure Has Already Started
You Have Lost Your Job Or Been Demoted
You Have Experienced A HUGE Cut In Work Hours / Overtime
Illness, Injury, Or Death Of A Family Member
Your House Is Worth As Much Ir More Than What You Owe
Your House Is Located In Our Selected Short Sale Areas

If you are facing any of these problems and you cannot pay your bills, now is the time to look at selling your home with http://www.sellquickforcash.com/through a "Short Sale" in a negotiated settlement. Currently, we are only looking for Shor Sales in certain areas of the Valley. Ideally, if your house is worth $250,000 - $350,000 and in North Phoenix, Cave Creek, Tempe, Mesa, Chandler, Scottsdale, or Gilbert your house may qualify. This is a fantastic option if you owe more than your home is currently worth and have a verifiable hardship.

SellQuickForCash.com Is A Seasoned Team Of Experts That Create Custom Solutions To Arizona's Housing Problem One House At A Time! We have negotiated many short sales and can facilitate yours too! Put your trust in us and we will provide you peace of mind in lightning speed .

Short Sales are difficult to do any lenders do not allow the homeowners to negotiate one on their own behalf! Why let the current market determine when you can or cannot sell your home fast? We will come in and evaluate your home and situation. If you qualify for a SellQuickForCash.com short sale, we will immediately fill out all the paperwork, sign a purchase contract with you, and begin negotiations with your lender(s). All of our short sales are ran through a licensed Real Estate Agent and completed as quickly as possible. Stop the Foreclosure Auction dead in its tracks by CONTACTING US NOW!

Info@SellQuickForCash.com

www.SellQuickForCash.com

480-861-8732

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