FORECLOSURE HELP – HOW TO COMMUNICATE WITH YOUR LENDER AND HOW WE CAN HELP
NEED A CARLSBAD SHORT SALE SPECIALIST ?
If you have missed mortgage payments for your home in Carlsbad
CA, and you are interested in doing a short sale, you may feel unsure who to
call.
I have helped hundreds of homeowners and Realtors close their short sales in
every county in Southern California. From Bellflower to Chula Vista and now
I have relocated to Carlsbad, I can do the same for you. Here is what you have to expect when doing a short sale.
BE ORGANIZED ? Good News, We help you with this!
You need to keep all financial paperwork on a month to month basis in one place. So grab
a file and prepare to store bank statements, tax returns (last two years), most
recent check stubs, financial statements for stocks or savings accounts. Keep
track of all conversations and names every time you call.
Remember these departments were very very small. In the past 3 years they have
ballooned into huge call centers. Most of the workers are entry level and others
are ex loan officers, some have been outsourced! Now, you may either get a real
moron on the phone, or you may a great person who cares and will want to help
you. Be persistent and don’t give up. Call until you get someone that wants
help.
But no matter how great the person you find, you will have to be patient and
be prepared to resubmit and resubmit your paperwork. I use a free program called
PDF Sam , it
allows you to organize your pdf files and help you keep them updated to send
to the bank next time they lose paperwork.
CALL YOUR SERVICER AKA LENDER/BANK ? Good News, we do most of this for you too!
Okay, let’s get this out of the way now. You will need to prepare yourself
mentally to call at least 3 to 4 times before you get someone that will want
help you, yes I said want, remember they are people and the ones that try actually
do help. You will need a place to record all the phone numbers and extension
you get.
Also don’t get caught in calling the wrong department, if you get someone who
isn’t listening to you and wants to just talk about you making your payment,
you’re probably talking to the collections department. Only speak to the loss
mitigation department.
BE PATIENT, We try to help with this 
Lenders will want things done right away, unfortunately they don’t do the same.
They will take a few weeks to process most documents. They may ask for documents
they already have as we mentioned earlier. Be patient.
SO YOU CAN DO THIS OR YOU COULD HAVE US DO IT FOR YOU, WE DO NOT CHARGE YOUR
FOR THIS SERVICE, SO IF YOU NEED MORE INFORMATION EMAIL
ME, I AM HERE TO HELP.
Michael-Edward Cruz
Solutions Real Estate
Broker Associate 01758933
www.mikerebroker.com
THIS IS THE END OF SHORT SALE WEEK – WE HOPE THAT WE HAVE BEEN ABLE TO HELP
AT LEAST ONE PERSON WITH THIS SUBJECT.
This is a tough real estate market and for us it has presented us with an amazing
opportunity to grow our business and shift strategies based on what the market
has thrown at us. We are glad to be able to work in Real Estate here in Carlsbad
California (Near Lego Land) and are here to represent you with your next real
estate project.
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