Bergen County Short Sales: How To Look At A Short Sale From The Lender’s Perspective

Bergen County NJ – The Stop Foreclosure Institute received a few responses from yesterday’s blog post. Most of the questions went something like this.

“I think a lender would be stupid to approve an investment property short sale for a wealthy person. If I was the lender I would sue them for the loss. Jan.”

The bottom line is that people didn’t think a lender would allow a wealthy person to walk away from the debt on an investment property.

Get my Free, Step By Step Loan Modification Guide by clicking here.

Here are a few reasons that a lenders will allow a wealthy investor to walk away from an upside down investment property.

Lenders know that if they can give a customer what they want, then it will help them. If they don’t give a customer what they want, then everything turns into a fight.

Some homeowners will hire a lawyer to review every clause in the mortgage. They will check to make sure that each clause of the mortgage meets every single conceivable state and federal law.

Other people will declare bankruptcy to avoid paying the debt. This is the biggest impediment keeping lenders from collecting on a debt.

Debt is very hard to collect even in court. In fact, only around 8-10% of all judgments are ever collected. That means a lot of people and lenders spend thousands of dollars in court getting a judgment, only to never collect the money.

This is one of the reasons that a debt collection company recently bought $20 Million Dollars worth of Deficiency Judgments for $150,000. I don’t know which lender sold them, but apparently that is all they thought they were worth.

I hope this helps you see why a lender would find it simpler to approve a short sale rather than pursuing a debtor in the hopes of collecting on the deficiency.

Thinking about a loan modification?Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at bob@sellitwithbob.com to request a Free Copy. Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Bergen County Short Sales: How To Look At A Short Sale From The Lender’s Perspective is provided as a courtesy to our viewers to help them make informed decisions.

Bergen County Short Sale Q & A: Can This Seller Short Sale?

Bergen County NJ – The Stop Foreclosure Institute recently received a question from Aaron. Here was his question.

“I recently purchased another home and make a good living. However, I can’t afford to pay both mortgages.

(The house won’t rent for half of the current payment.) An agent told me that the house is worth about $50K less than the mortgage amount.

Is it realistic for me to try the short sale? The only hardship was created when I decided to move to a larger home to accommodate his family. Jan.”

Get my Free, Step By Step Loan Modification Guide by clicking here.

Here was our answer to Aaron’s Question. I think you can short sale. In our experience short sale negotiators do not spend hours going thru every single document in a short sale file.

Most negotiators have 100-200 short sale files on their desk at any given time. One manager in a short sale department said that a negotiator spends less than 2-3 hours on a short sale file.

In our opinion, I think they glance at the hardship letter, if they even read it at all. Their job is to simply make sure the home isn’t being sold to cheap.

Here is one other reason we think that you can short sale. We have heard stories of wealthy people short selling their investment properties.

These people have lots of disposable income, but their lenders are still approving their short sales. Your lender may not work with you until you have missed a payment or two.

Try the short sale before you miss a payment. Whether or not you go late is up to you. If you do decide to short sale, contact us and we will put you in touch with an experienced short sale agent in your area.

Thinking about a loan modification?Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at bob@sellitwithbob.com to request a Free Copy. Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at .

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Bergen County Short Sale Q & A: Can This Seller Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

Show Your Lender Home Much They Will Lose Rejecting Your Bergen County Loan Mod

Bergen County NJ – Lenders reject loan modifications only to lose more money when they sell the home after foreclosure. Here is how to prove the loss to them.

Get my Free, Step By Step Loan Modification Guide by clicking here.

When you request your free loan modification guide, you will have the option of also receiving a property valuation. This is called a BPO (short for Broker’s Price Opinion), and it is a real estate agent’s opinion of the value of a property.

Lenders use BPOs to determine a property’s value for short sale processing. Find out what you can pay the lender as a monthly payment. Then, find out the mortgage amount that equals that payment.

For example, $1,200 a month will pay off a $211,346 mortgage over 30 years. $2,000 will pay off a $352,243 mortgage. $3,500 will pay off a $616,426 mortgage. $600 will pay off a $105,673 mortgage.

The lender should approve your loan mod if the payment you propose will pay off a mortgage amount that is more than the property value.

It is in their best interest because it will reduce their losses. In fact, lenders usually only net around 80-85% of a property’s value after foreclosure.

This is why lenders were only willing to lend up to 85% of a property’s value historically. So use this to your advantage. Keep reminding the loan modification negotiator of these facts.

And hold the negotiator accountable if they reject your loan mod and los even more money as a result. Thinking about a loan modification?

Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at bob@sellitwithbob.com to request a Free Copy. Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Show Your Lender Home Much They Will Lose Rejecting Your Bergen County Loan Mod is provided as a courtesy to our viewers to help them make informed decisions.

Bergen County Loan Mod Help: How Can We Get The Banks To Make The Loan Mod Process Easier?

Bergen County NJ – The average American knows very little about what is happening with loan modifications. They think the banks are doing a great job helping people stay in their homes.

Get my Free, Step By Step Loan Modification Guide by clicking here.

Little does the average American know that the banks are flubbing it. In my opinion, the biggest mistake that banks are making is rejecting profitable loan modifications.

They would net more money on a loan modification than foreclosure. However, because the loan modification process is so tough they are foreclosing instead.

Most Americans would agree that it is important to help homeowners stay in the home. They agree even more when they learn how it would help the bank’s bottom line and the general economy.

Keep this in mind if your lender rejects you loan modification and forecloses on your home. Most Americans would disagree with that when it causes a homeowner to lose their home and the bank to lose more money.

The banks can claim that they “followed all the guidelines.” They think that is their “get out of jail free” card.

However, it is hard to explain that when they lose $60,000 as a result of “following all the guidelines.” Anyone would agree that guidelines can be stretched when $60,000 is on the line.

The average American will be more appalled when they realize the damage this is causing to general housing market and the economy.

So let’s educate the public on this. Let them know what is happening. Then the loan modification process will become easier and more people will be able to keep their homes.

Thinking about a loan modification? Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at bob@sellitwithbob.com to request a Free Copy. Or, click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Bergen County Loan Mod Help: How Can We Get The Banks To Make The Loan Mod Process Easier? is provided as a courtesy to our viewers to help them make informed decisions.

Bergen County Loan Mod Help: Hold Your Lender Accountable When They Reject Your Loan Mod & Lose Money

Bergen County NJ – In my opinion, the decision making process most lenders use to approve or deny a loan modification is flawed. It appears that the lenders have one thing in mind when you stop paying.

Get my Free, Step By Step Loan Modification Guide by clicking here.

They want to foreclose as quickly as possible. It appears that they don’t want homeowners to stay in the home. Foreclosure is much simpler and easier. So they just look at it as the main solution.

If a homeowner can’t afford the payments, then the lender should have reducing losses as their main goal. If that was their goal, then they would approve loan modifications that net them more money than a foreclosure would net them.

Instead, the loan mods are approved only when everything is perfect. As a result, you have people that would find a way to make the payment being foreclosed upon.

As an example, let’s say a homeowner could afford a mortgage payment that equals a $200,000 mortgage. But, the borrower doesn’t completely match the lender’s guidelines.

So the lender forecloses on the house. It sells for $140,000. That is $60,000 lower than the $200,000 they would have netted on the loan modification. Ouch!

That is how you can hold your lender accountable. If they reject your loan modification and foreclose, then you should track what your home sells for after foreclosure.

But, how does this help you during loan modification negotiations? Tell the loan mod negotiator that you plan on holding them accountable.

Tell them that you will contact your newspaper and all the large, national newspapers. I’m sure the media would love the story.

The loan mod negotiator knows this is true and will work harder to find a way to approve your loan modification. They don’t want their name in the newspaper.

Thinking about a loan modification? Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Bergen County Loan Mod Help: Hold Your Lender Accountable When They Reject Your Loan Mod & Lose Money is provided as a courtesy to our viewers to help them make informed decisions.

Don’t Make This Mistake On Your Bergen County Loan Modification

Bergen County NJ – If you’re trying to get a loan modification, then you have think like a banker. How you present your finances is the key to success.

You’ve got to show them an income that’s not too high and not too low. If you show them too low of an income, they’re going to go “Oh, this guy can’t afford his house payment.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

If we reduce his payment to $800, he won’t even be able to afford it anyway so what’s the point in reducing it? Before, he thought he could pay $1,200 a month. He can’t even pay the $800 a month that’s he’s asking for today. He’s not making enough money, based on our ratios, to be able to afford it.”

Here’s what happens if your income is too high. Let’s say your payment is only $1,000 a month and you’re making $4,000, $5,000, or $6,000 a month. They will say “What’s up with this? This guy’s making a ton of money. Why are we going to reduce his payment?”

So you’ve got to make sure your income and your budget is in that middle range. Look at your recent income history.

Maybe you can pull the most recent month. If it shows the right numbers use it. Or, pull from a longer period. Use the last three months or the last six months worth of income. Maybe even use

You want to be able to demonstrate that you’re making enough money to afford that payment, but not making so much money that they will charge you more.

Thinking about a loan modification? Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Don’t Make This Mistake On Your Bergen County Loan Modification is provided as a courtesy to our viewers to help them make informed decisions.

Bergen County Loan Mod Help: How To Reduce Your Payments Without A Loan Modification

Bergen County NJ – Getting a loan modification accepted is tough. Many that should have be accepted end up rejected. I recently saw a bank foreclose on a 400k mortgage.

The house sold for 130k! They would have made more money just cutting the homeowner’s payments in half! This kind of stupidity gets on my nerves.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Some people have mentioned a strategy that can help you reduce your payments without a mod. A person with two mortgages just stops paying the 2nd mortgage. I won’t recommend that you try it.

Here is why some people have said this strategy works. Let’s say John owns a house worth 200k. He owes his 1st mortgage 200k, and his 2nd mortgage 50k. John stops paying the 2nd mortgage.

The 2nd mortgage has few options. They can call and threaten to foreclose. A phone call is free and most people get scared and pay up. They run the numbers on foreclosure and decide it is a losing proposition.

The house will sell for 200k and every dime of the 200k goes to the 1st mortgage. The 2nd gets zero. Besides, it costs money to hire a lawyer and pay all the other foreclosure costs. This is why 2nd mortgages rarely foreclose.

You could say that they are almost an unsecured debt, almost like a credit card. I’ve even heard that you can “strip away” an upside down 2nd mortgage in bankruptcy.

The bankruptcy judge must determine that your house is worth less than what you owe your 1st mortgage. They will determine that the 2nd mortgage is “unsecured” and wipe out the debt and mortgage thru bankruptcy.

Rather than going thru bankruptcy you can just stop paying the 2nd mortgage and see what happens. In many cases the only collections they will do is to call you and mail you letters.

Thinking about a loan modification? Our Bergen County loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Click here to request a copy.

Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at bob@sellitwithbob.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (201) 567-9191

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thanks for reading this, Robert Clarke.

Robert is a Real Estate Agent at RE/MAX Properties Plus. Bergen County Short Sales Realtor:

Phone: (201) 567-9191. bob@sellitwithbob.com.

View My homes for sale at www.SellitWithBob.com.

Robert Clarke specializes in loan modification assistance and short sales in Bergen County New Jersey. Bergen County Loan Modification Help, Bergen County Short Sales. Bergen County Short Sale Realtor Bergen County NJ Short Sales. Bergen County Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Robert Clarke, RE/MAX Properties Plus, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Clarke’s personal views and do not reflect the views of RE/MAX Properties Plus.

This information on Bergen County Loan Mod Help: How To Reduce Your Payments Without A Loan Modification is provided as a courtesy to our viewers to help them make informed decisions.