Short Sales

NEW WEB SITE

2010-02-26T20:45:00.000-08:00

MY BLOG HAS BEEN MOVED TO THE FOLLOWING

http://www.realestateinvestingbrains.com

Wells Fargo Approval with no 30 Day Flip Clause on it

2009-12-15T00:20:00.001-08:00

So I got a Wells Fargo approval today and it didn't have the usualy 30 day no flip clause on it. I did an experiment on this file and this is what I did differently.
1. Made the offer under a personal name.
2. Used the TREC contract and popped an addendum with the terms that I needed. The TREC contract is the regular purchase and sales contract used by the realtors in Texas.

See if this works for anyone reading it. The only issue may be getting funding under a personal name if you're using transactional funding.

If you know anyone who needs to sell their house due to foreclosure in Bexar Couty, San Antonio, TX, refer them to http://www.stopforeclosuresanantonio.net.

Your short sale expert,
Emilio Kim

Wells Fargo Approval with no 30 Day Flip Clause on it.

2009-12-15T00:20:00.000-08:00

Key Questions to Ask the Loss Mitigator When starting Loss Mitigation

2009-04-05T23:25:00.000-07:00

When you're working on a short sale, you should submit the ATR to the bank. The bank then assigns that short sale to a loss mitigator. I have come up with a few key questions to ask the bank before on your initial conversation with the bank.
1. Is there an auction date set?
2. Do you already have an appraisal and what did it come in at?
3. What type of loan is it or who owns the loan ?( FHA, Fannie, Freddie, VA)
4. Is there PMI on the loan and what's the coverage ratio?
5. Who is the boss? Who is the decision maker?

I hope these questions help.
If anyone reading this is behind on payments, please go to www.sellpreforeclosurehouse.com and dowload a free brochure on what options you may have when facing foreclosure.

Emilio Kim
sushimellow@gmail.com

Liars!!!!!

2009-04-04T22:21:00.000-07:00

Loss mitigators lie!!!! I was working on a short sale. I had my BPO agent meet the agent doing the BPO for the bank and they got to talking. She flat out told my BPO agent that the BPO was going to come in at $47,500. The loss mitigator keeps telling my loss mitigator that the BPO came in at $57,500. I called the BPO agent to ask her again, and she said $47,500. Be aware!!! Loss mitigators lie about the BPO price!!!!!

Recording the Notice of the option contract

2009-02-26T11:22:00.000-08:00

If you're using the option contract in your short sales, you should always record the notice of the option contract. Why? To satisfy seasoning issues with some lenders, however, mainly to cloud the title and let the whole world know " hey, I have an option contract on this property and I plan on marketing the deal because I have equitable interest".

First, you must get the Notice of the Option contract notarized before recording it. This can be done anywhere. I prefer to meet at my title company because they have a notary there. Also, they can record my notice there. This save me from going to the court house in down town. Mainly, you'll have to record this notice at the court house, however, some title companies will do it for you.

Here's a tip. In Bexar County, San Antonio, I pay $12 per page. Try to edit your notice so that only 1 page gets recorded. You can save some money in the long run that way.

If you know anyone facing foreclosure and would like to help them, have them go to my website http://SellPreForeclosureHouse.com and download a free PDF document on how they can stop foreclosure. If they would like to speak to someone directly, have them call me at 210-625-0835. My name is Emilio Kim, your local foreclosure specialist.

Typical action by homeowners facing foreclosure

2009-02-09T22:38:00.001-08:00

You've Realized the American Dream of Owning a Home but Find Yourself in Default.

No homeowner ever intends to miss mortgage payments. Life, as most have learned, has the tendency to throw us a curve when we least expect it. Job loss, death or divorce can quickly throw our life and finances into chaos. Homeowners in San Antonio can’t always prevent defaulting on their payments. What’s important is how a homeowner reacts to their predicament.

Inaction is the choice some homeowners make. They may choose to deny the fact their Bexar County home could be lost and respond by doing nothing. Some will agree the default is a problem, but they don’t act to resolve the issue. If they do finally decide to act, it may be too late to avoid losing the property.

Overreaction is another choice some homeowners make. They assume missed mortgage payments revoke their rights to own a home and look for a quick way out of the situation. These homeowners, because they didn't look at their options, are the ideal prey for scam artists ready to take advantage of their response to the mortgage default.

Human beings are hard-wired to their emotions and both of these responses are examples of natural human reactions to a looming foreclosure in Bexar County. Understandably neither of these responses is ideal or helpful to San Antonio homeowners in default. Ideally, homeowners should adopt a measured response taking into consideration all the options available and act decisively to prevent home foreclosure throughout Whatcom County.

Here are a few sensible guidelines for stopping foreclosure.

Pick up the phone and contact your lender.

Once the due date for your mortgage payment has come and gone, it’s only a matter of time before your lender knows you’re in default. Act preemptively and call them right away. Leaving it up to them may leave you waiting for several months at which time it becomes much harder to resolve the situation.

When you contact the lender, be honest and to the point about your situation. Ask what suggestions they have. Lenders can usually provide solid advice as they deal with defaulted customers every day. Not wanting to take the house back, most lenders aren’t eager to spend their money and time to foreclose on a defaulted loan, so they’re open to other alternatives.

If you do manage to reach an agreement with the lender ask that they provide it in writing so that you’re protected if they don’t live up to their end of the agreement. Before you sign anything, have it reviewed by a real estate attorney or local HUD approved housing counseling agency.

Be cognizant of deadlines.
The lender will take the necessary steps to schedule a public foreclosure auction of your Bexar County property if you haven't worked out a plan of resolution. It is crucial to find out exactly how much time you have before your home will be auctioned at the Bexar County courthouse.

Consider your alternatives.
Although the options are limited, San Antonio homeowners in default have several viable options to stop the foreclosure process. Not all of these options will work for every homeowner, but all homeowners should consider the advantages and disadvantages of each option and determine which is best for them.

Restructure the loan payments

Refinance your home loan

Sell your home

Deed in lieu of foreclosure

Bankruptcy

You can be creative when working out options with the lender. Again, keep in mind they really want you to keep the home and save themselves all the trouble of taking it back and reselling it. Stopping foreclosure in San Antonio does not have to be an overwhelming experience. Act fast, act smart, and with a little bit of luck you may come out ahead in the end. If you would like to speak to an expert on how to stop foreclosure, go to http://www.SellPreforeclosureHouse.com and fill out your information to have a specialist call you or call me directly at 210-625-0835. You can also email me, Emilio Kim, at sushimellow@gmail.com.

Short Sales Are Quickly Becoming The Default Choice To Stop Foreclosure in San Antonio

2009-02-04T23:25:00.000-08:00

Short Sales are becoming a common practice in San Antonio these days and anyone who has successfully completed one knows that you had better be prepared for and unexpected.

The short sale, used primarily to stop foreclosure in Bexar County, is becoming a very popular field in real estate especially when interest rates are climbing. San Antonio homeowners faced with the prospect of losing their home are turning more and more to this option. Short sales are also becoming more and more popular for real estate investors in Bexar County when buying a foreclosure just because of the huge discounts they offer.

Short sales are negotiated directly with the lender, and they require the sellter to provide information sa to why they cannot find a way to make normal payments. Foreclosures are expected to increase in 2009 no just in San Antonio, but throughout Texas as many adjustable rate mortgages written during 2005 and 2006 reach their first-reset marks. Short sales are complex and likely to become more complex as lenders deal with more and more of them in the coming months and years. Many homeowners who took advantages of the inflated real estate values in San Antonio prices to dig deeply into their homes' equity are now feeling the pinch.

Lenders

Lenders konw that repossessing a Bexar County home will cost them tens of thousands of dollars to maintain, refurbish, market and well with no guarantees that it will recoup the same amount as from a short sale. Lenders want to see that the homeowners are not able to pay their bills and are in need of relief. Short sales are a last resort option and are only necessary when faced with foreclosure or bankruptcy.

Lenders want to get rid of distressed properties in San Antonio as soon as possible, but they aren't going to sell them for ridiculously low prices.

Sellers

In a perfect situation sellers want to get as much for thei homes as possible and certainly don't want to sell for less than market value or sell for less than what they paid for it. This may quickly turn into a desperate situation, however when unforseen events transpire that create financial harships. Job loss, long- term illness, or a dramatic rise in living expenses are just a few reasons why Bexar County homeowners suddenly find themselves with a cash flow problem. The fortunate seller who convinces their lender a short sale is the best way to solve their problem needs to be aware of one possible downside. Some lenders may claim whatever debt they've forgiven as a loss on their taxes and issue a 1099 form to the seller for the amount.

If you have any questions on how you can help someone avoid foreclosure, please contact me at sushimellow@gmail.com or call me directly at 210-625-0835.

To help someone avoid foreclosure, refer them to http://www.SellPreforeclosureHouse.com .

5438 Oxbow, San Antonio, TX 78228

2009-01-02T11:01:00.000-08:00

This is my latest short sale project going on

To download a free brochure on how to stop foreclosure, visit http://www.SellPreforeclosureHouse.com

Facing Foreclosure? If time and equity isn't a factor, List your home with a Realtor

2008-12-30T00:10:00.000-08:00

If you are behind on your mortgage payments or are facing foreclosure in San Antonio, you may be able to list your home with a realtor to avoid foreclosure. Listing withi a real estate agent can at times be a great option for people who have time on their side and a house in a great location in Bexar County in excellent condition. This choice is a good alternative and may result in a homeowner getting " market value" for his or her home while foreclosure is being stopped. This is all assuming the homeowner wants to move out and sell the property.

However, there are som downsides of listing with a realtor. If the homeowner does decide to try to list the home on the market the realtor's commission must be paid out from the sale. Remember that the seller pays BOTH the listing and buyer's agents' commissions. In Bexar County, this can cost 6% or more. Fore instance, lets say that you sell a $300, 000 property- that is $18,000 in commissions alone!!! Furthermore, as a seller, the homeowner must first make the house look presentable, deal with buyers and be willing to show the home at all times with no guarantee that anyone will buy the home in time to stop foreclosure. Is the risk worth it?

If the homeowner is lucky enough to get an offer before the foreclosure auction date, remember that buyers are picky people, and will make an offer subject to a home inspection. The inspector will spend 3 to 4 hours gonig through the homeowner's hoem with a fine-toothed comb. If they find anything wrong with the property, the homeowner must be prepared to fix it, and to have the funds available to do the repairs ( or hire a professional to do them such as a contractor). If the homeowner is already behind on mortgage payments, he or she may not have to list with an agent.

Sometimes if an owner realizes that they're going on a path towards foreclosure and begins to mitigate this problem right away there will be time to list with a realtor and maybe even walk away with some of the equity from the property. If a homeowner has the time and ability to list the house with a realtor then this should be done with someone who knows the San Antonio, Bexar County area enough to get top dollar for the home. Do NOT forget that in Bexar County you only have 21 days from the Notice of Default date. It's important to find the right company to help the homeowner list his or her home and sell it in the shortest time possible with the highest return possible.

I am a loss mitigation expert and know how the banks work. If you are facing foreclosure or know anyone facing foreclosure, visit my http://www.SellPreforeclosureHouse.com and /or email me at sushimellow@gmail.com for a free 30 minute consultation on your current situation. Remember ,we exhaust every option available. If you would like to keep your home, we examine your current situation then we advise you on what your options are.

http://www.SellPreforeclosureHouse.com

210-625-0835

Sample Hardship Letter

2008-12-25T12:12:00.000-08:00

Every short sale must be submitted with a hardship letter.
Here are some points to highlight on the letter:
1. Always have the home owner sign and date the letter
2. Never refer to yourself as an investor, use the words " buyer" .
3. Make the letter a personal, emotional letter. You almost want someone to cry after reading it.
4. I prefer that the homeowner hand write the letter however, if their writing sucks, typing the letter is a great alternative.

Sample Letter

John Doe
12345 Lakeside Dr
San Antonio, TX 78000
December 25, 2008

HSBC Mortgage Services
P.O. BOX 60139
City of Industry, CA 91716

Dear Sir or Madam,

I am writing this letter to explain my current financial and life situation in which I am in currently. It is rather embarrassing, frustrating and at times completely hopeless. I hope you can help me.
Recently, I ( John Doe) was approached by my employer to accept less hours at work starting in January, 2009 and this has really put the pressure on me. Also, I let a friend of mine use my name to get the mortgage for the property on 12345 Lakeside because he is , or was now, a close friend. Now, he’s missed a few payments and I simply cannot afford to pay this from my current earnings.
Also, I own six duplexes located on 12345 Backside St. I’ve been having many problems with renters not paying rent and I’ve had to do a loan modification on that property. I’m also one month behind because of renters not playing rent. One of my renters recently moved out and didn’t even tell me. When I went to go see the unit he was living in, I found out that he totally trashed that place. I had to spend the remaining money of what I had to try and fix this. I did a lot of the work myself however this put me back financially big time. The financial stress has really put my relationship with my wife at a cross roads right now. We are currently not very happy and may end up filing for divorce.
With my duplexes not rented, my income has basically decreased by over $2000 / month and with the advent of my hours being cut at work, I will have a very hard time making subsequent payments. My friend really screwed me on this deal. I let him use my name and now I can’t even find him. I went to go talk to his parents and they don’t even know where he is.
Currently, our credit cards are over leveraged and we are having a hard time making ends meet. Sometimes, just the day to day expenses are tough to pay. Given the current situation, my wife and I are possibly thinking about filing bankruptcy. I think this may help our situation, however, we are not sure yet. We are still seeking legal advice.
As a last resort, I am trying to sell this house to get out of this situation. We tried selling it on our own for many months now however no one wants to buy this property because it needs about $18,000 worth of work according to one of the buyers. I also had one of my friends, who is a contractor, look at the property and he says it might need even more work than that. I now realize that I owe more on this property than it’s worth.
Finally, I please ask that you accept this offer from this buyer because we really need to get out of an ugly situation that will get even worse given the fact that my hours at work will be cut in 2009 and that I have had a hard time getting renters in my property. Please, I pray to God that you will have a soft spot in your heart to help me out. This might actually end up saving my marriage.
Right now, this is not the ideal lifestyle or situation for me. My credit is at an all time low. My morale is shattered. I basically have no savings and am living paycheck to paycheck. As I mentioned before, there’s a lot of mental stress building up right now and sometimes I do not know what to do. I have even had suicidal thoughts, however, I know I have to be strong and keep moving forward knowing that a miracle will come soon. With this happening and with all the hardships I am facing, I ask that you please consider my situation.
Your consideration is greatly appreciated.
Sincerely,

Signature Goes Here

John Doe

To download a free report on how to stop foreclosure, visit http://www.SellPreforeclosureHouse.com

How to influence the BPO

2008-12-23T22:00:00.001-08:00

In a short sale, the most important part of the process is influencing the BPO. BPO stands for brokers price opinion. When you submit a short sale to the bank, the bank will order a BPO to make sure the offer is within reason. The BPO will tell the bank how much they think the house is worth. So, how do you influence the BPO?

First, when the bank calls you to set up the time for the interior inspection of the home, get the BPOs contact information. Fax the BPO the 3 lowest active, pending and sold comps. Also, explain what's going on with the home owner.

Another trick I use is tell the BPO that within the comps, there were concessions so the actual cash price is 6% lower since my deals are all cash deals. Always do some research and find out how many sex offenders there are within 2 miles of the property because that can decrease the value of the home. Also, find out if the foreclosure rate is high. Since this is a declining market, you can tell the BPO agent that when the short sale is finalized, the home value will have decreased another 3%. I always check to see if small things are damaged such as sprinklers. It costs almost $2000 to get those things fixed.

Finally, find out if the home is in a flood zone. You can get great discounts on the property on this alone. If the home needs work, find the highest repair estimates available and show that to the BPO. You have to tell get the BPO to tell you a low price without actually telling them the price. Play jedi mind tricks with them. Remember, this is someone's opinion so you will not get the BPO to come out in your favor 100 % of the times.

If you know someone facing foreclosure in the San Antonio, Texas, and needs to get out of the situation, email me at sushimellow@gmail.com or go to my website at http://www.foreclosurequickstop.com/ and fill out a form for a free 30 minute consultation.

I am the best in Bexar County when it comes to getting short sales done.

Elevator speech sample

2008-12-05T00:31:00.001-08:00

This is a sample of my elevator speech I try to give to at least 3 new people daily to hopefully get more short sale leads.

Elevator Speech

I specialize in buying and selling houses from people behind in their payments with no equity, they can’t sell their house. For example, you have a house worth $150k and they owe well over $200k. Well, those people are everywhere right? Those people come to me and I make an agreement with them that basically says that I’m going get them to accept a settlement on their account and resell their house. I don’t charge them anything. I make my money on whatever the difference what I buy it from them for and what I sell for. If the person I'm speaking to asks me if I'm talking about a short sale, then I say " yeah, it's a short sale" . However, I treat the situation as if they know nothing about short sales. This should help you increase your short sale leads. At the end of the conversation, give them your business card.

I am the ultimate authority when it comes to pre foreclosure investing. If you know anyone facing foreclosure or if you are facing foreclosure in San Antonio, Texas, go to my website at http://www.SellPreforeclosureHouse.com and fill out your information for a free 30 minute consultation on how you can stop foreclosure.

Top 5 Obstacles for Realtors to earning commissions through short sales

2008-12-05T00:19:00.000-08:00

Commissions are discounted by the lenders
Realtors need a written offer to send to banks and there are no current offers
Realtors send the short sale package to the foreclosing lender without an offer and the lender rejects it
Realtors find a buyer to close on the deal but the short sale negotiation ( loss mitigation) process takes too long for the buyer " walks" .
The agent wastes time negotiating with lenders when they should be promoting their properties and /or themselves in the mean time.

I will next write about how an investor can come in and help the realtor in each of these situations.

I am the ultimate authority when it comes to investing in short sales in San Antonio, Texas. If you are facing or know someone facing foreclosure, have them call me or email me. My phone number is 210-625-0835. My email is sushimellow@gmail.com . Again, for a free 30 minute personal analysis on how you can stop foreclosure, fill out your information at http://www.SellPreforeclosureHouse.com , and I will personally contact you. We will analyze your situation and get together a game plan on how to stop foreclosure.

Why Investors should partner up with Real Estate Agents in Short Sales

2008-12-05T00:01:00.001-08:00

If you're investing in pre foreclosures there are certain things you must do to guarantee success. One of the most critical things you can do to guarantee success is to partner up with realtors. Realtors need investors to submit offers on short sale leads and investors needs realtors to list the pending short sale leads in the MLS. Easy enough?

Working with realtors benefits the investor in two important ways. First, they are a great source of leads to proplem properties, including short sales. Next, they can benefit you as a source for buyers.
Lenders are now requiring that homeowners facing foreclosure to list the property with an agent. As a result, 75% of houes in default are under the control of the realtor. Why not take a short cut to success and go to where the deals are? Investors can continue to cold call, door knock and send direct mailing pieces to gain access to the other 25% on the deals out there that are not listed, but why? This would actually cost more money.
I am an expert when it comes to investing in short sales in San Antonio, Texas, so if anyone has any questions, please email me at sushimellow@gmail.com . Also, if you are facing foreclosure, you can go to my website at http://www.SellPreforeclosureHouse.com, fill out your infomation to recieve a free personalized consultation on how you can stop foreclosure. We analyze your situation and develop a custom game plan to stop foreclosure.

A Few Facts and Fallacies About Foreclosure

2008-12-02T14:06:00.000-08:00

There are many misunderstandings concerning the issue of foreclosure in Bexar County. Unfortunately these misconceptions have lead many homeowners in San Antonio to take all the wrong actions in trying to stop the Texas State foreclosure process, which ultimately caused them to lose their homes. Below are a few of the myths that seem to persist regarding bank foreclosures.

The bank wants your Bexar County home so they can resell it.
Nothing could be further from the truth. The bank almost never wants your house; they want the money you owe along with interest. Typically banks usually hate going through the foreclosure process and will bend over backwards to work with homeowners in avoiding a foreclosure.

The bank won't modify my payments. I'm all out of options.
The bank wants you to bring your payments current. Period. Remember they are in the money business. The interest on your loan is their lifeblood. All is not lost however. If this isn't practical for you then a mortgage negotiation professional can set up a plan for you to pay just a portion of the arrears, set a plan to pay future current payments and catch up on the remaining arrears over time.

The foreclosure notice was delivered today; I have to start packing
Depending on your lender, you may have a very long foreclosure process. This may give you several months, if not longer to move. Remember that you have to find a new place to live because eventually you will be physically removed.

I'm in foreclosure, no bank will refinance me out of this foreclosure
This depends on the amount of equity in the home and its Loan To Value (LTV) ratio. If that ratio is right there are specialty lenders who will pay off your current lender and hold the note. Ideally, the LTV has to be under 60% to be able to refinance in today’s market.

I'll just file bankruptcy and save the house
For starters this isn't as easy as it once was. Bankruptcy laws are getting tighter and deliberately more difficult. A chapter 7 bankruptcy will stop the home foreclosure only temporarily. The caveat is you need to do something else to keep the house in the long run if you are facing foreclosure in Bexar County.

The bank has our house so we can wash our hands of the whole affair.
This assumption has come back to haunt many people. If there is a deficiency you may still owe the difference plus any interest even though you no longer own the home.

I pulled off a minor miracle and got all the money I owe the bank to bring me current, but I'm afraid it's too late to stop the foreclosure process.
Wrong. In Texas if you have all of the money you owe the bank they have to take it and stop the foreclosure. It is the law, and besides the bank doesn't really want the house back in the first place.

The Bank get to keep all my stuff once they take my home
The rule of thumb here is if you can carry it away it's yours. You keep your personal property, but permanent attachments to the house should stay. Don’t turn it into an issue by taking everything from floor to ceiling. That will just insure trouble.

The bank started this process. They can't expect me to pay legal fees.
They do and you will if you want to keep the house. The amount will vary depending on what is contained in your mortgage agreement.

There's nobody in San Antonio to help me stop my home foreclosure
In this you have more help at your fingertips than you might imagine. There are many professionals who can help you avoid foreclosure in Bexar County. I have access to many

These are a few of the rumors out there involving foreclosure. The best advice is to contact a foreclosure prevention specialist in Bexar County and allow them to handle the process.

The best person any home owner in Bexar County, San Antonio, Texas can turn to is Emilio Kim. He is an expert when it comes to foreclosures. He knows the laws and has the right people and systems in place to help you avoid foreclosure. If you truly want choices, Emilio is the only person you should be calling. He will assess your situation and advise you on the options you will have. If you want to keep your home, he’ll show you ways you can do that if your circumstances allow. If not, he has other options to help stop foreclosure.

Please contact Emilio Kim as soon as possible because time is not something a home owner has if foreclosure is pending. Also, if you are facing foreclosure, you can go to my website at http://www.SellPreforeclosureHouse.com, fill out your infomation to recieve a free personalized consultation on how you can stop foreclosure. We analyze your situation and develop a custom game plan to stop foreclosure.

How to Stop Foreclosure

2008-11-18T20:28:00.000-08:00

In these tough economic times, it is easy to get overextended and behind on your payments. Maybe someone in your family has been laid off, or your mortgage rate increased or someone got sick, or for some other reason you're finding it harder to make ends meet and you're worried about foreclosure on your house.
More and more homeowners these days are facing foreclosure and they don't know what to do to be able to stop the foreclosure so they can keep their homes or sell the home and get rid of all the debt and stress that is weighing down on them.
It might seem pretty unfair that the government is saving multibillion-dollar corporations from going under but not doing anything for the rest of us, but the good news is there is still a way to stop home foreclosure yourself.
There are people who can help you with what is known as a short sale, which allow you to sell your house even if you're heading toward or already in foreclosure.
Working with a short sale specialist will make it easier for you to see all your options and whether it might be possible for you to keep your house rather than selling it (this is not always possible, but in many cases there is a chance). The most important thing working out a short sale deal can do is that it stops the foreclosure process, meaning your credit ranking won't be ruined so it will be a lot easier for you to start over if you do need to sell your house.
Doing short sales is actually a pretty easy thing, because it's a very methodical process that you can learn. The short sale formula is pretty easy to teach, and you might even want to learn the process yourself to stop your own foreclosure and then to be able to help other people by giving them foreclosure mortgage help.
Once you understand what goes into a short sale, either by working with a short sale expert or doing your own short sale for your own house, you'll see that this is a great method for helping people get out of foreclosure and that's really a win-win-win situation for the homeowner, the bank and the person helping with the short sale.
Whether you want to stop foreclosure to keep your home or just want to sell out and move on, you have options. You don't have to accept that your home is going to be foreclosed on. See if you can find someone who works with short sales in your area, or learn how to do them yourself. You might not just save your home but start a new lucrative business that will ensure a lot less money worry on your part.
If you are facing foreclosure, you can go to my website at http://www.sellpreforeclosurehouse.com/ , fill out your infomation to recieve a free personalized consultation on how you can stop foreclosure. We analyze your situation and develop a custom game plan to stop foreclosure.

http://www.sellpreforeclosurehouse.com/