It's a very hard call to make: "I can't pay for my house, and I don't know what to do". Even here in St. Charles, Geneva, Batavia, Wayne and other Fox Valley communities we have many families who may be at risk of losing their homes in this difficult economy. They may have had job losses, extraordinary medical bills, or business set backs. A short sale is when the bank allows the house to be sold for less than what is owed on the mortgage. Susan Goulding, a Realtor in California, has some great advice for homeowners who might be struggling with this issue. And like Susan, I can help....if you or someone you know who lives in the western suburbs of Chicago is facing foreclosure, give me a call, send a text or email. I will be discreet and all information you share will with me wll be 100% confidential.
"I have to short sale my house. I am so embarrassed. I don't want my neighbors to know. I don't want a sign. Can you keep it out of the MLS? Do you have to TELL people it's a short sale? I just don't know what to do anymore, Please help me.'
WOW _ the above SPILLED out of the mouth of the caller when I answered my phone today. Not even a breath to ask who was calling, how they reached me, just an over whelmed seller who FINALLY decided to ask for help.
As reported by the National Association of Realtors 40 - 60% of homeowners are upside down. My guess is in parts of California, specifically Northern California, and more directly Tracy and Mountain House, CA these numbers are probably higher. In additon to the numbers of people who are upside down the latest studies show that 70-80% of ALL foreclosures NEVER EVER ask anyone for advise or help. WOW - that number astounds me.
So First - Congratulations on taking a step to lesson the effects of a terrible situation. Most homeowners are very skeptical, the bank calls non-stop, they are scared, tired, frustrated and no longer want anything to do with their home. However, it does not HAVE to be so hard. Part of my job as a Successful Short Sale Realtor is to lesson your stress. Sometimes when you start taking back control of the situation it helps to elivate that stress.
Second - there is no need to be embarrassed. You need help. Make no mistake, your neighbors probably know what you paid for you property and wonder who you are keeping your head above water and WHY.
Third-- your neighbors probably already know. They will definately know when the bank starts taping notices to your door.
Forth - a SIGN is not required, it does help us to find a buyer more quickly. Once we have a buyer and an accepted contract we no longer have to show you property, unless YOU want to.
Fifth - we could keep it off the MLS if you signed a waiver, however the point is to avoid foreclosure by securing a great offer that the bank will accept. If we don't put it in the MLS, don't hang up a sign, how will anyone know it's for sale?
Sixth - We don't have to put a rider on the sign that says "Short Sale". We don't have to put "Short Sale" on a flyer, we do have to classify it as such in the MLS. If someone really wants to find out, all they have to do is ask a REALTOR.
Seventh - that is the special lucky number -- I can help! I can reduce your stress! I have options for you! I don't need you need help unless you CALL ME, EMAIL ME, TEXT ME, TWITTER ME, FACEBOOK ME.... however you are comfortable -- contact me. All calls are confidential. You PAY NOTHING to sell your house -- you pay NOTHING to call and talk to me.
What are you waiting for? There is no need to be embarrassed, mad, frustrated, etc-- I can help
About the Author...This article was provided by Susan Goulding, a Nationally recognized Realtor and Certified Short Sale & REO Specialist. Susan can be reached via e-mail at Susan@SusanGoulding.com by cell phone or text message at 209-914-5573. Susan has helped hundreds of people buy and sell their home. For Northern California real estate and homes see www.SusanGoulding.com. If you need to Short Sale your Tracy or Mountain House, Northern California home please contact me for more information or visit www.ShortSaleMyTracyHome.com
Specializing in the following Northern California Communities: Tracy, Mountain House, Livermore, Brentwood, Oakley, Pleasanton, Danville, Patterson, Lathrop, Manteca and Ripon. Keller Williams|Tracy|Mountain HouseTracy, CA |Homes for Sale Tracy CA |Short Sale Tracy CA |Foreclosure Tracy CA |Tracy Real Estate | Mountain House Real Estate | NorCal Real Estate