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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SEARCH FOR HOMES IN SHADOWRIDGE, SEARCH
FOR HOMES IN OCEAN HILLS, SEARCH
FOR HOMES IN SEAGATE,

CARLSBAD CA BUYERS – TIPS FOR BUYING A SHORT SALE HOMES IN CARLSBAD | Aviara

| La Costa | Bressi Ranch | Calavera Hills | New Homes Builder Blowouts! |

Buyers looking to buy in Carlsbadcan take advantage of great deals with record low interest rates. But often it seems that deals that are too good to be true, can easily become horror stories.

Many buyers in Carlsbad California that have recently started their search for homes may have been told to steer clear of SHORT SALES. This advise is founded more on myths than actuall facts. Bad news travels fast and with so many buyers hitting the market, you can easily see how short sale horror stories can quickly spread thruought our Carlsbad buyers.

The truth is that buying real estate in Carlsbad California and any other city in North San Diego County is not always as easy as just sending in your offer. I understand the process and will help you get the job done.

I offer you the best representation if you are looking to buy in Carlsbad CA because I understand and know how to navigate thru this market. For example,  you are searching my FREE MLS for homes in Carlsbad California, then you find a home that you love in the Aviara community of Marea. You call me to set up the appointment and we find out that its a short sale!

With me as your buyers agent you have more options and a greater chance to buy this home. WHY? because there are agents who in order to”protect you” will not show you short sales. The truth is they do not want to deal with all the extra work involved. Inexperienced agents that will proceed with helping you on a short sale, do so blindly because they do not know what questions to ask.

With me, the first thing we do before making the appointment consists of pulling up information about the property in public records. We identify who the lenders are, how many liens are attached has (initial search) and the type of loans we will be dealing with (Purchase money, Refis, Home Equity Lines, Credit Unions).  We do this before even talking to the agent, we will know if this is a good prospect for an offer. See why some agents don’t like these deals?

If we move forward, I will then call the listing agent and assuming the property is available, we conduct an interview with the agent about their short sale strategy and either move forward or pass. Many times I will know the agent and be able to tell you after evaluating the property whether the listing agent can deliver. I work with many of the best short sale listing agents here in Carlsbad California. They know I only work with great people and are glad to do business with me.

In this market, we deal with different residenatial real estate buying opportunities.

WE CAN HELP YOU WITH

• New Homes – I have been to and know the new home communites in Carlsbad California.
• Bank Owned – I know how to submit offers that REO agents and there assets managers will want to work with.
• Short Sales – We have the knowledge and skills to evaluate this properties and find properties that other agents pass up.
• Equity Sales – We set up alerts for new properties as they hit the market and work with for sale by owners.
• Note Purchases – Prefer to own the loan and not the home, we have opportunities thoughout the Nation to buy and bid on default and preforming assets.

Looking for homes to buy in Carlsbad California does not have to feel like walking into a maze. Contact me for a FREE consultation and allow me to help you find your dream home in one of many Carlsbad CA Communities.

We service the following communities – Don’t see yours area listed here? We can help you with you find a GREAT agentEMAIL ME AND TELL ME WHAT AREA YOU ARE LOOKING FOR AND I WILL RECOMMEND YOU AT LEAST 3 GREAT AGENTS FOR YOU TO CHOOSE FROM.

Avaira, Aviara Point, Aviara Golf Communities, Marea, Cantata, Viaggio, Mar Fiore, Sandpiper, Pavona, Bressi
Ranch, La Costa, Calavera Hills, The Foothills New Homes,Seagate, Ocean Hills, www.mikerebroker.com

SEARCH FOR HOMES IN CARLSBAD CA CLICK BELOW

© All Rights Reserved – Michael-Edward Cruz – California Real Estate Broker 01758933 | 1-800-374-9110 | CARLSBAD REAL ESTATE SERVICES

Short Sales Suck! Right?

Why in the world would anyone buy a short sale?

It’s a waste of time! Right?

WRONG!

WE COLLECTED DATA OF SHORT SALES THAT SOLD IN THE LAST 60 DAYS FROM ONLY 1 CITY ! THERE WERE 39 SALES!

Remember BAD news travels faster than good. We are here to help you find the home of your dreams, whether its a SHORT SALE, FORECLOSURE or NEW HOME IN CARLSBAD CALIFORNIA

GET YOUR HOME SEARCH STARTED TODAY, HERE ARE TWO FREE OPTIONS

By Michael-Edward Cruz California Real Estate Broker 01758933

I was asked a question the other day about whether it was better to stay in the home when doing a short sale or was it better to move before the credit got any worse. While this wasn’t explained in the video, most property management companies and landlords have been pretty lenient with potential renters who have short sold their homes or gone thru a foreclosure.

There are other issues with Vacant Short Sale that we wrote about below.

Many people living in North San Diego, South Orange County and South Riverside County who have been in this situation are good people that feel like they should move before the their credit gets any worse and they feel like they should leave the home before the bank comes knocking on the door.

The end results of these actions leads to vacant homes, dead or overgrown lawns. Worse yet many vacant short sale homes are found by squatters and criminals. While the homeowner means well by not ‘trying to live rent free’ they are still legally responsible for home. Many insurance companies will not insure vacant homes without a special policy, homeowners who abandon homes rarely contact the insurance companies and assume the lender will automatically insure it. Lenders should not be counted on to do anything automatically, remember robo-signing? Residents in cities and neighborhood such as Carlsbad, Encinitas, San Marcos, San Elijo, Rancho Santa Fe, Del Mar, La Jolla Oceanside, and Vista have all had to face the potential threat that abandoned homes can bring their communities.

Customers who decide to short sale their property worry about the sheriff knocking on the door, the thought is always in the back of their minds. But your real estate agent will let you know and give your plenty of notice for you to move, if they don’t , then the bank most certainly will. The relocation process of a foreclosure can take anywhere from 4 weeks to 6 months.

If the homeowner stays it will not only help them save money for relocation expenses, but it may save the entire community money. No vacant homes means no criminals hiding out next door, no squatters, no teenagers looking for a spot to party. We have seen everything from beer bottles thrown in the streets to people using these vacant homes drug dens.

So, If you are facing foreclosure and are doing a short sale we recommend for you to stay in the property until the sale is completed. Obviously if you are relocating this is not an going to be an option. But if that is the case have your Realtor help manage the property for your while it sells.

Vacant homes may be easier to show than a occupied property, but they do not always show well. People need to see furniture to access the homes true size and potential. This does mean of course that if you stay in the property you should clear clutter, personal items and stage it like you would any regular sale.

An occupied home may also have less maintenance issues, turning off the water for a long period of time may affect the pipes and cause major problems later on. We could go on and on, we feel it’s a better option for everyone.

These are our observations and opinions, we would like to know what do you think ?

If you are watching this on activerain and you cannot post a comment you can click here to get to my short sale blog

Michael-Edward Cruz

California Real Estate Broker 01758933

www.mikerebroker.com
www.shortsalemc.com
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North San Diego County, Carlsbad, Aviara, Bressi Ranch, Encinitas, San Marcos, San Elijo, Rancho Santa Fe, Del Mar, La Jolla, Oceanside, Vista, South Riverside County, Temecula, Fallbrook, Murrieta,
South Orange County, San Clemente, Talega, The Reserve, Dana Point, Laguna Niguel,

Parent workshop to be held in Temecula

The Press-Enterprise

The Temecula Valley Council PTA will sponsor a free, two-part, workshop on creating school-family-community partnerships from 10 a.m. to 1 p.m. Tuesday and Feb. 23.

The workshop will include information on parent information resource centers, ways parents can get involved in schools and other topics.

The workshop is open to parents from any Temecula Valley Unified School District campus, but seating is limited and reservations are required. The sessions will be in the community room at the Temecula Public Library, 30600 Pauba Road.

Information: council President Jeannie Hardy, 951-694-5655, orinfo@tvcpta.org.

If you or someone you know is in danger of losing their home to foreclosure call:

For North San Diego County – TROY HUERTA 760-420-5498
For South Riverside & South Orange County – MICHAEL-EDWARD CRUZ 951-572-2789 & 949-630-9743