Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate

Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
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Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate








Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate

 

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CDPE: Is Your Mortgage Payments Weiching You Down? Get A Fresh Start


Mortgage Payment Weighing You Down?
Give Yourself A Fresh Start

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A lot has changed since you bought your home.

Rampant unemployment and underemployment, along with a housing market that’s still struggling to find the floor and constant talk of a “double dip” recession have wreaked havoc on the stability that many American families had once counted on.

Who would have guessed that a home—the hallmark of the American Dream—could have evolved into what feels like a financial liability for so many?

If you are among the 10 million or so homeowners who are falling further behind every single month because of an unmanageable mortgage payment, this holiday season stands to be a particularly challenging time.

In the midst of what may well be some very weighty financial challenges, there is actually some encouraging news. The Federal government, along with state and local agencies, as well as major banks, are more determined now than ever before to stem the tide of foreclosures.

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No one wants to see you foreclose on your home!

Among the many alternatives to foreclosure, loan modifications are more accessible than ever and many banks are offering incentives that amount to tens of thousands of dollars to encourage homeowners to pursue a short sale rather than let their home slip into foreclosure.

As a real estate professional who has achieved the Certified Distressed Property Expert (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights within the distressed properties arena. I am tapped into major lenders, up-to-date on Federal and local government assistance programs, and a member of the real estate industry’s most recognized network of professionals who demonstrate the highest standards of professionalism and ethics.

Never has it been more critical to have a team of top-notch professionals in your corner.

It is my mission and my passion to serve as a trusted consultant to financially strapped homeowners, helping them to understand their circumstances, review all of their options, and then leverage my expertise and know-how in order to navigate the best possible solution.

No one knows better than you that separating the headlines from the hearsay and the hype can be a challenge. There’s a lot of information out there and a lot of programs designed to help homeowners facing various forms of financial stress. I am committed to honing in on the solutions that best suit your needs.

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Stay on the Lookout for Scam Artists.

When the chips are down, there are always a few swindlers who emerge with shady schemes that serve to make a bad situation a lot worse. The current foreclosure crisis is certainly no exception. I’ve heard it all and can help you to sort through the red flags. The accompanying page, “Ten Warning Signs of a Mortgage Modification Scam,” provides some of the most common schemes for defrauding financially-strapped homeowners.

An unmanageable mortgage is a constant source of stress that inevitably accompanies other upheavals in the life of a family. As we look forward to a new year, it would be my honor to help you to lift a burdensome mortgage off your back, freeing you for a fresh start in 2012.

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10 Warning Signs of a Mortgage Modification Scam*

  1. “Pay us $1,000, and we’ll save your home.” Some legitimate housing counselors may charge small fees, but fees that amount to thousands of dollars are sign of potential fraud — especially if they are charged up-front.

  2. “I guarantee I will save your home – trust me.” Beware of guarantees. Unrealistic promises are a sign that the person making them has not considered your specific circumstances.

  3. “Sign over your home, and we’ll let you stay in it.” Be very suspicious if someone offers to pay your mortgage and rent your home back to you in exchange for transferring the title. Signing over the deed gives another person the power to evict you, raise your rent or sell the house.

  4. “Stop paying your mortgage.” Do not trust anyone who tells you to stop making payments to your lender and servicer, even if that person says it will be done for you.

  5. “If your lender calls, don’t talk to them.” Your lender should be your first point of contact for negotiating a repayment plan, modification, or short sale.

  6. “Your lender never had the legal authority to make a loan.” Do not listen to anyone who claims that “secret laws” or “secret information” will be used to eliminate your debt and have your mortgage contract declared invalid.

  7. “Just sign this now; we’ll fill in the blanks later.” Take the time to read and understand anything you sign. Never let anyone else fill out paperwork for you. Don’t let anyone pressure you into signing anything that you don’t agree with or understand.

  8. “Call 1-800-Fed-Loan.” Some companies trick borrowers into believing that they are affiliated with or are approved by the government or tell you that you must pay them high fees to qualify for government loan modification programs.

  9. “File for bankruptcy and keep your home.” Filing bankruptcy only temporarily stops foreclosure. If your mortgage payments are not made, the bankruptcy court will eventually allow your lender to foreclose on your home.

  10. “Why haven’t you replied to our offer? Do you want to live on the streets?” High-pressure tactics signal trouble.


  11. *Source: Office of the Comptroller of the Currency
 

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Contact me today and let’s get started!
Jerry Lee Hatley
Re/Max Mountain Realty
P.O. Box 1351, Maggie Valley, NC 28751
cell: (828) 230-1082
email: jerryhatley@bellsouth.net

CDPE website: http://www.hosted.cdpe.com/167450/

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Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate

Short Sale Specialist: Jerry Lee Hatley
Foreclosure is NOT
your only option!

Short Sale Incentives:
Why Banks will Give You Money to Sell the Home You Can't Afford

The nation’s leading mortgage lenders are extending extras for short sale transactions employed as an alternative to foreclosure – both in the form of monetary incentives for borrowers and streamlined procedures for real estate agents. read more.......

Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
   
Jerry Lee Hatley | RE/MAX Mountain Realty | Maggie Valley NC Real Estate
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