Phoenix, Arizona Short Sale Realtors Help Homeowners Avoid Foreclosure

Phoenix, Arizona Short Sale Realtors Help Homeowners Avoid Foreclosure

Below is a chart of homeowners with negative equity, or near negative equity state by state! As you can see, Arizona is ranked #3 nationally with 35% of all homeowners in a negative equity position. If you are trying to sell your home when you are in this situation, a Phoenix Arizona Short Sale is the solution you have been looking for!

With close to 350 homeowners loosing their houses every day to foreclosure, a group of Short Sale Realtors Phoenix, Arizona have made it their core business to use their short sale expertise to help homeowners avoid foreclosure in Arizona!

What Is A Short Sale Phoenix, Arizona?

An Real Estate Short Sale is the sale of property in which the proceeds are insufficient to satisfy the liens against the property. It is possible, through negotiation, that your lender(s) will accept the proceeds of a short sale and forgive the rest of what is owed on your mortgage! Not just anyone can successfully short sale a home. Our Phoenix, Arizona Short Sale Realtors are highly trained and have completed hundreds of Short Sales In Arizona.

What Ae My Options If I Have Negative Equity And Am Facing Foreclosure?

When you are in a negative equity situation, you really only have four choices to choose from:

Arizona Loan Modification - A Loan Modification is the adjustment of your current mortgage terms. In theory, your lender(s) can lower your interest rates, change the length of your loan (extend it out), or grant you a principal balance reduction all resulting in lower monthly payments. A homeowner would qualify for a loan modification only if they have a subprime loan (Adjustable, Interest Only, Negative Amortization ect.) and they have provable monthly income. http://www.sellquickforcash.com/ is Arizona's #1 Loan Modification Company. Call 602-626-3598 to speak with one of our Loan Modification Arizona Experts and save your home!

Repayment Plan - Also known as a Forbearance / Workout Plan. This is where your lender(s) take the payments you have been missing and spread it out over a period of time (typically 12 months) to help you get caught back up. Sometimes they will give you a grace period of a few months (typically 2-3) before you have to start paying! This is a short term fixunless your situation was only temporary and now you have good monthly income coming in! In most cases your monthly mortgage payment will be much higher per month to cover the arrearages you owe the bank(s).

An Arizona Short Sale - An Arizona Short Sale is the process by which a homeowner can sell a house for less money than he actually owes on the mortgage(s). This is done by the buyer or investor providing proper documentation to the mortgage lenders to convince them to reduce the mortgage balance to allow the sale. The mortgage lender (or bank) actually takes a loss on the mortgage because the value of the home has fallen below the mortgage balance AND the homeowner is in a poor financial condition that will not allow him to continue to pay on time. If the bank approves the discount on the mortgage, the home can be sold for a lower price without the seller having to come up with cash to cover the shortfall, and the mortgage is satisfied and the foreclosure process stops. At SellQuickForCash.com, we have been negotiating Short Sales in Arizona for over 5 years! Our affiliation with Hunt Real Estate ERA, Lucas Division gives us a strategic advantage over our competition. We have helped hundreds of homeowners Stop Foreclosure Arizona and Short Sale their home! Our Phoenix, Arizona Short Sale Realtors can help you package, propose, and negotiate an Arizona Short Sale in the quickest time possible. Avoid Foreclosure in Phoenix, Arizona with the professional help from http://www.sellquickforcash.com/. Call 602-626-3598 today.

Foreclosure - Obviously, this is the worst of all your choices. We understand the overwhelming stresses an Arizona Foreclosurecan put on you and your family. You probably have many Stop Foreclosure Questions! Many homeowners have had something out of their control affect their financial status causing them to fall behind on their mortgage payments. Let our caring staff of Foreclosure Specialists help you Stop Foreclosure Arizona dead in its tracks. Take back control of your situation by contacting us today. We have helped hundreds of Valley homeowners Avoid Foreclosure Arizona on their houses and we can help you too! We will discuss your options to Stop Foreclosure Arizona as well as fixing your credit.

Why Choose Phoenix Arizona Short Sale Experts SellQuickForCash.com To Negotiate My Arizona Short Sale?

The Arizona Short Sale Experts at SellQuickForCash.com understand the financial headache you are going through right now. That is why when you decide to do a Phoenix, Arizona Short Sale with us, we pair you with a whole team of experts that all work together to complete your Arizona Short Sale. We pair you with a Realtor that understands strategic pricing and aggressive marketing in today's competitive buyers market. We pair you with an Arizona Short Sale Negotiator that negotiates with Loss Mitigation on your behalf. We pair you with an Arizona Short Sale project manager that makes sure you are kept up to date with the details of your Arizona Short Sale as well as manages the entire Arizona Sale Team. Lastly, we have our Accountant on retainer to answer any Phoenix, Arizona Short Sale or Arizona Foreclosure tax questions you may have. Our belief is that by surrounding your Short Sale with the right team of Phoenix, Arizona Short Sale Realtors, you will have the best chances for a successful Phoenix, Arizona Short Sale!

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HOW TO CHOOSE AN ARIZONA SHORT SALE COMPANY.

ARIZONA SHORT SALE COMPANIES ARE POPPING UP EVERY DAY! WHAT MAKES SOMEONE A SHORT SALE EXPERT? HOW TO CHOOSE AN ARIZONA SHORT SALE COMPANY!

Since we started doing Arizona Short Sales on a mass scale back in 2005 we have noticed many so called "Arizona Short Sale Experts" advertising their services to homeowners facing foreclosure. These "experts" take a class down at the local Realtor school and instantly become "Certified". With no accountability they are able to market their new expertise to homeowners.

THEY ALL DO AND SAY THE SAME THINGS!

If you call some of these individuals or companies, you will certainly notice the fact that they all say and do the exact same thing..."Stop Foreclosure With An Arizona Short Sale". Their processes and paperwork are similar so how can you protect yourself and tell the good from the bad?

REMEMBER, YOU ONLY HAVE ONE CHANCE TO DO A SHORT SALE RIGHT!

With the foreclosure clock ticking, the person or company you choose to work your short sale is the most important decision you can make. Below is a checklist to help make your decision less stressful:

• Does the Short Sale individual or company have a REAL track record of closed Arizona Short Sales? IF NOT, WHY WOULD YOU USE THEM?
• Is the Arizona Short Sale Company or individual a member of the BBB? THEY BETTER BE SO THEY HAVE SOME ACCOUNTABILITY!
• Does the Arizona Short Sale Company or individual have testimonials and referrals? THEY SHOULD IF THEY REALLY HAVE CLOSED SOME DEALS!
• Is the Arizona Short Sale Company trying to get you to put your property into a trust? If so, walk away...the only reason to put your property into a trust is to take you the homeowner out of the equation in order to take away your decision making capabilities! A SHORT SALE DOES NOT NEED TO GO INTO A TRUST IN ORDER TO GET ACCEPTED! IN FACT, JUST THE OPPOSITE! IF A LENDER FINDS OUT YOUR PROPERTY IS IN A TRUST THEY WILL ASK YOU TO TAKE IT BACK OUT OF THE TRUST BEFORE THEY WILL ACCEPT THE SHORT SALE! ALSO, NO REPUTABLE ESCROW COMPANY WILL ALLOW YOUR DEAL TO CLOSE WHILE IT IS IN A TRUST!
• Does the Arizona Short Sale Company or individual charge you for their services? IF THEY DO CHARGE, IT SHOULD BE UNDER $1200 WITH SOME SORT OF MONEY BACK GUARANTEE!
• Does the Arizona Short Sale Company or individual have a physical address (office) they work out of? MANY SCAMMERS COLLECT MONEY FROM HOMEOWNERS IN FORECLOSURE AND THEN DISAPPEAR!
• Does the Arizona Short Sale Company or individual list your property on the MLS, or do they put in an offer to purchase your home immediately as an investor? AT http://www.sellquickforcash.com/ WE ACTUALLY DO BOTH! OUR ASSOCIATED REALTOR LISTS YOUR HOME AT THE SAME TIME, WE PUT IN AN OFFER TO PURCHASE! WE KNOW THE BANK WILL ONLY ACCEPT THE HIGHEST OFFER BUT AT LEAST WE BE MOVING FORWARD WITH YOUR SHORT SALE INSTEAD OF WAITING FOR SOMEONE TO MAKE AN OFFER!
  

DON'T LET JUST ANYONE HANDLE YOUR ARIZONA SHORT SALE!

WHO IS SELLQUICKFORCASH.COM...ARIZONA'S #1 SHORT SALE COMPANY OF COURSE!

At SellQuickForCash.com we pride ourselves at packaging, proposing, and completing hundreds of Arizona Short Sales over the last few years! If you Google "ARIZONA SHORT SALE" WE COME UP ON THE FIRST PAGE 4 TIMES! We own http://www.sellquickforcash.com/, http://www.codysperber.com/, and http://www.foreclosurecounseling.com/! We have spent over $80,000 developing and marketing our websites this year alone. We are located in Downtown Phoenix, Arizona at 1017 N. Central Ave near the corner of Central and Roosevelt and invite you to are office anytime. Our Arizona Short Sale experts are highly trained in Short Sales and Loan Modifications and can help educate you on your options! Don't be fooled by other "fly by night" Arizona Short Sale wannabes...have REAL ARIZONA SHORT SALE EXPERTS walk you through the short sale process. We put everything we say we are going to do in writing, members of the BBB in good standing, have many happy clients and testimonials, only conduct business with honor and integrity, and have one of the longest running short sale histories here in the Valley! We want to earn your business so please call 602-626-3598 and speak with one of our short sale representatives today.

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SellQuickForCash.com - An "Arizona Cash For Houses" Company You Can Trust!

Finding An Arizona Investment Company That You Can Trust Isn't Easy!

If you financial pressures aren't enough, now you have to worry about someone taking advantage of your situation! Foreclosure Scams are nothing new and weeding through the junk mail, phone calls, doorknockers, and tv ads to find a solution to your housing problem is a scary process. At SellQuickForCash.com, we pride ourselves on making the information you will need to make an informed decision readily available along with our credentials! Saying that you are a member of the BBB with no complaints, that you have many happy clients, tons of testimonials, and that you only conduct business with honor and integrity should be assumed by all homeowners looking to either sell their Arizona house fast, or Stop Arizona Foreclosure! These attributes are not bonuses, but should instead be mandatory parts of any respectable company that works in the Foreclosure Industry.

We invite you to challenge us! Tell us our talk is cheap and have us put our money where our mouth is! We want to me known as Arizona's #1 Cash For Houses company that specializes in Paying Cash For Houses, Arizona Loan Modifications, Arizona Short Sales, and Loss Mitigation. Our Arizona Foreclosure Experts have many solutions to help you avoid foreclosure so utilize our services and contact us today!

CALL 602-626-3598 TODAY!

http://www.sellquickforcash.com/

Loan Modification Company In Phoenix, Arizona Helps Homeowners Lower Their Mortgage Payments!

Loan Modification Company In Phoenix, Arizona Helps Homeowners Lower Their Mortgage Payments!

WHAT IS A LOAN MODIFICATION?

In its simplest form, an ARIZONA LOAN MODIFICATION is a way to renegotiate your current mortgage and monthly payments allowing you to avoid foreclosure and maintain your credit. Many aspects of your mortgage can be changed to your benefit, including the term of the loan, interest rate, balance of principle, and monthly payments. It's even possible to have late fees waived. There are many opportunities opened through LOAN MODIFICATION and each home owner's situation is unique. A large number of homeowners will use LOAN MODIFICATION to prevent foreclosure on their home. For anyone who is unable to make their monthly payments, or is in danger of being buried under a past-due balance, a LOAN MODIFICATION is the perfect solutions to stopping foreclosure and keeping your home!

WHAT IS AN ATTORNEY-BASED LOAN MODIFICATION COMPANY?

There are many so called "LOAN MODIFICATION" companies out there that are simply NOT QUALIFIED to help you re-negotiate your current loan terms with your lender(s). Most are simply loan officers and brokers that can no longer do loans due to the current credit crisis so they began marketing themselves as "ARIZONA LOAN MODIFICATION EXPERTS". Anyone can package and propose a LOAN MODIFICATION to a bank even you...but do you really think the bank is just going to give you the best deal right away? Absolutely not...what you need is an Attorney to give you some legal teeth to go after your lender(s) and fight for the best loan terms possible! DON'T LEAVE ANY TERMS ON THE TABLE! What I mean by this is do not allow just anyone to conduct your LOAN MODIFICATION. Imagine the difference a few interest percentage (%) points can make on your monthly payment! Imagine being able to wipe out that negative equity you have and obtain a BALANCE REDUCTION on the principal amount you owe! WWW.SELLQUICKFORCASH.COM is an ARIZONA ATTORNEY BASED LOAN MODIFICATION COMPANY where your LOAN MODIFICATION is audited, packaged, proposed, and negotiated by an Attorney and his staff of PROFESSIONAL LOSS MITIGATION EXPERTS. This means you get the absolute best representation available, and a team of LOAN MODIFICATION SPECIALISTS to fight for you!

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

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!

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

1. Nevada - One In Every 246 Housholds Recieved A Foreclosure Notice
2. California - One In Every 204 Housholds Recieved A Foreclosure Notice
3. Arizona - One In Every 224 Housholds Recieved A Foreclosure Notice
4. Florida - One In Every 242 Housholds Recieved A Foreclosure Notice
5. Colorado - One In Every 349 Housholds Recieved A Foreclosure Notice
6. Maryland - One In Every 380 Housholds Recieved A Foreclosure Notice
7. Georgia - One In Every 422 Housholds Recieved A Foreclosure Notice
8. Ohio - One In Every 432 Housholds Recieved A Foreclosure Notice
9. Michigan - One In Every 440 Housholds Recieved A Foreclosure Notice
10. 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!

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!

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!

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:

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

Requirements for a Real Estate Short Sale are:

1. A proven financial hardship
2. Behind on payments (In most circumstances)
3. You owe as much or more than your home is currently worthThe homeowner requests a short sale packet from their lender(s)
4. The bank notifies the homeowner(s) that they can't turn in the short sale packet until they have a signed purchase contract
5. 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

www.SellQuickForCash.com

Different Ways SellQuickForCash.com Buys Houses In Arizona!

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