We are discussing Wells Fargo short sales today; thanks for joining us. She is Sarah and I am Josh; we run The Pomerleau Team at Keller William’s Realty in Minnesota. We are Minnesota’s top short sale group and we’re always blogging about different topics related to short sales. When we started working on short sales, Wells Fargo was one of the easier lenders to work with. We currently have a lot of short sale files with them and at any given time we’ll have 12-15 of their properties listed because they are one of the bigger lien holders in Minnesota.

Before we get began we would like to tell you about our Short Sale Calculator, you can use it whether or not you’re in Minnesota. If you put in some of your basic loan and property information, it’ll create a report telling you how long it will take for you to break even on your house. We advise you to check it out because many of our clients have found it very helpful.

Let’s address Wells Fargo short sales now. Like we said, at any time we have around a dozen short sales with them because they do a lot of servicing for FHA, Fannie Mae and Freddie Mac loans. When we first started, they were one of the easier financial institutions to do business with because they were very quick with their process, but now it’s been taking about twice as long to get the short sale done. They are not really that great to work with anyone, especially since some of the other servicers are raising the bar. They’ve hired a lot of new employees which was helping, but now we’re not sure if there is an issue where the competency of the employees is declining or if they are having a problem with their leadership. It’s disappointing because they were really great to work with and now that’s not the case. We are still getting Wells Fargo short sales approved, it’s just been taking a lot longer than it used to. We still enjoy working with them because we know we’ll get the short sale approved, but it is been sad seeing the deviation in their process.

If you have any added short sale questions, click the Start button at ShortSaleShift.com.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hello, at the moment we’re going to talk about Aurora short sales. I am Josh, she’s Sarah and we run the Pomerleau Team here at Keller Williams Realty and we are your Minnesota short sale experts. Before we get started on Aurora short sales we wished to encourage you to look at our short sale decision calculator on our website. You enter some primary property data and your loan balance and payment amount. It can send you an instantaneous report displaying where you stand in your mortgage as far as should you were to close tomorrow how much would you must deliver to closing, or how long is it going to take to break even on your mortgage given certain charges of appreciation. A lot of people who are simply starting out in the short sale process are utilizing it and finding it useful to resolve if a short sale may very well be proper for you.

We’re going to talk about Aurora today. We don’t have as many files with them as our larger banks, but we nonetheless get a couple of here and there. They are slower than the key banks at communication and processing. They’ve a system where when you call in they funnel your calls to your negotiator’s voice mail. This is not a problem so long as you might be working with a negotiator that doesn’t take forever to examine voice mails and call you back.

It is advisable to have a realtor that may be very proactive with working with short sale files. You need somebody who is ready to follow up especially with banks like this that take somewhat longer.

Once more, we’re Josh and Sarah with the Pomerleau Team, your Minnesota short sale specialists and we’re here to help. If you want any advice about your short sale, or would like somebody to take on your file and enable you to get a successful closing, you’ll be able to contact us at shortsaleshift.com. Hit the big start button, fill out some information on the bottom of the page, you can even chat with us, email us or give us a call. Thanks and have a great day.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hello everybody my name is Josh Pomerleau with Short Sale Shift, Minnesota’s premiere short sale staff, thanks for trying out my weblog today. I work with Keller Williams Realty within the Minnesota area and blog on daily basis from the short sale trenches to provide area owners with priceless data on avoiding foreclosure. If you can no longer afford your mortgage, or simply need to learn more concerning the short sale process, take a minute to browse the over seven hundred videos on my website or contact me directly to discuss your options.

For my weblog at this time we will probably be talking about Bank of America and what to anticipate through the short sale process with their staff. Bank of America has come a great distance over the last few years in helping householders and making their short sale process far more easy to understand. I even received a telephone call last week asking for input on their latest enhancements and any suggestions on find out how to make their short sale system more user friendly. One area where I hope Bank of America can improve is their use of the HAFA program in an effort to provide more assitance to our Minnesota homeowners. Having said that our staff has great success working with Bank of America and we’re on the telephones on daily basis with their negotiators working to get your clients the best deal on their distressed property.

If in case you have any questions on your Bank of America mortgage, or any other lender, please contact me by means of my web site or give me a call immediately to arrange a free consultation. On my web site you will see an incredible new tool known as the Short Or Stay Calculator that offers you helpful info on the future of your mortgage. Thank you for your time immediately and I hope to hear from you soon at Short Sale Shift in Minnesota.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Greetings I am Josh and she is Sarah, we run The Pomerleau Team at Keller William’s Realty in Minnesota. We’re the number one short sale team in Minnesota and we like helping homeowners with their short sales. We currently have about 75 active short sales on the market, which is plenty. Today we’re going to talk a little bit about Chase bank. We have been having many people calling in and reaching out to us that have Chase as their lender; there is a lot of other stuff going on with Chase compared with other lien holders.

Before we begin though, we would like to tell you about our Short Sale Calculator on our website; we urge you to take a look at it. If you enter in some of your basic information it’ll send you an instant report of all the numbers if you were to do a short sale and where you stand with your home loan. Even if you happen to be outside of Minnesota, you can still utilize the calculator and we will pass your information on to a short sale realtor in your area.

We have many files going with Chase right now and it is kind of fun because they are putting all of these programs together with incentives for people to do a short sale. These programs are kind of ridiculous in a great way for the homeowner. We’ve had homeowners get $20,000 to do the short sale. Typically the upside down homeowners get a letter in the mail telling them they will receive a specified amount of money if they get the home listed and sold; their full deficiency amounts are also being waived. We have another customer that’s going to get $10,000 to do the short sale. Nationally, we’ve seen homeowners get up to $40,000 in incentives or relocation assistance. If you have a Chase mortgage, you’re in a great position right now.

Please contact us if you do have a Chase mortgage because we would be happy to assist you with your short sale and tell you more about their current incentives.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hello and welcome to ShortSaleShift.com, we’re talking about PHH mortgage and short sales today. I am Sarah and this is Josh with the Pomerleau Team in Minnesota. We’re one of the Minnesota area’s premiere short sale groups and we urge you to contact us with any of your short sale questions.

At this time we don’t have any PHH short sales listed with us, which is surprising because we usually have five or six listed at any given time. We are getting them done too quickly and their servicing rights are changing so this could have something to do with that. We have over 70 short sales up for sale in Minnesota right now, so it is very surprising that none of them are with PHH.

When we first started doing business with PHH they were so difficult to work with and now it is entirely different. They have gotten much better, hired more people and have made the short sale process with them much simpler. There are many banks that are doing this because the number of short sales is increasing across the board, however there are some lenders, such as Wells Fargo, that are getting worse with their short sale process. PHH has really stepped up and their timelines are improving; another nice thing is a lot of their loans are owned by GSEs which means that if it is a Fannie Mae, Freddie Mac or FHA guidelines they have their own guidelines and PHH just services the guidelines. Those big investors have similar guidelines as every single one of their servicers so we know how to work a PHH file. We have processed so many of them that we know who to get in touch with if we need to expedite the file.

We advise you to get in touch with us if you have a PHH home loan by clicking the Start button, emailing us, chatting with us or calling us. Thanks again for coming to ShortSaleShift.com.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hi there everybody, we are talking about Minnesota short sale legal professional info at the moment at ShortSaleShift.com. I’m Sarah and that is Josh and we run the Pomerleau Team here at Keller Williams Realty. We’re certainly one of Minnesota’s leading short sale teams. Make sure and try our short sale calculator on the top of our website. Input your loan and property information and it’ll email you a really helpful report telling you if a short sale is right for you. They break down the numbers for you so you possibly can see how long it’s going to take you to break even on your property and how long before your house is an asset again. The nice factor about a short sale is we may help you move on from that property in a short time when you determine a short sale is true for you.

Right now we are speaking about attorneys and I simply have to disclose that we’re not attorneys, however I get really enthusiastic about this topic. I am really passionate about the fact that normally a real estate short sale skilled is better off negotiating a short sale than a law firm. For essentially the most part, when someone has listed with us and received a proposal, we have been in a position to take it to approval. A lot of people think they should go to an attorney to finish a short sale, and you can. You actually need an agent that has a fundamental focus on negotiating short sales and has a high success rate and built a team around it.

If you would like to speak to an legal professional about your state of affairs, we’d be more than happy to help you do that as a result of we cannot give authorized advice, however we perceive how the short sale process works and what your rights are. We perceive what to be careful for and what not to. We need to ensure you have all the information you need. Once more, we’re with the Pomerleau Team at Keller Williams, your Minnesota short sale experts and we’re here to help. Please contact us at the moment in case you have any questions about short sales or the short sale process. Thanks and have an incredible day.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hello everyone, we are discussing Chase short sale and foreclosure information today. I am Sarah and this is Josh; we run The Pomerleau Team at Keller William’s Realty in Minnesota. We’re excited to be talking to you again.

Before we begin talking about our topic, if you are thinking about a short sale or wondering if a short sale is right for you, we urge you to use our Short Sale Calculator located on the toolbar on our website. If you enter in your property and mortgage information it will generate a report telling you where your breakeven point is. A lot of our clients have been taking advantage of it.

We’re talking about Chase today and we like talking about them because they’re wonderful to do business with throughout the short sale process. They have several incentives right now for customers that do short sell their properties; we have actually seen some of our customers take advantage of these incentives and get large amounts of money.

A few years ago, Chase was someone that we didn’t want to deal with and now it’s completely opposite. Now, when we deal with Chase we know that it won’t be a problem getting the short sale approved. If you have a Chase loan and are already delinquent on your payments, pay attention to the mail that you are receiving from them because they could send you a letter offering you a certain amount of money to do the short sale. We just had a homeowner list their home yesterday and they are going to receive $20,000 from Chase to do the short sale. Chase is a little bit unique in the fact that they are paying their customers to do short sales quite frequently and in large amounts of money. On these short sales, they are fully forgiving the liens, too, which is one of our most important goals when doing a short sale.

If you have a Chase lien, please get in touch with us because we can help you out and hopefully get you some more money. You can either click the Start button on our webiste, call us, email us, or chat with us. Thank you for coming to ShortSaleShift.com.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hey, I’m Josh and she is Sarah and at this time we’re going to be talking about short sale hardships because we’re Minnesota short sale experts. We are with the Pomerleau Team with Keller Williams Realty.

We have several movies on our website in regards to the short sale process, banks or lenders and a whole lot of different short sale topics. We attempt to demystify the method and present everybody that short sales are a great option to foreclosure. They’re additionally an amazing choice to get out of a bad mortgage or unhealthy debt.

We want to invite you to check out the short sale calculator device that we have on our tool bar at www.shortsaleshift.com. You’ll be able to type in some of your property and loan information and it will send you a report that may show you if a short sale is right for you in the numerical sense.

At the moment we’re speaking about short sale hardships. Most of our clients that call us are literally in fairly good standing with their mortgage company. They come to us and say they’ll cease making payments because they have chosen to, they cannot stay of their home for one reason or another or it’s just so underwater, they want out now. They always ask me what their short sale hardship will be. The great factor is with short sale hardships, there are literally thousands of reasons why you are able to do a short sale or why a short sale will work for you. I’ll simply have to spend 15 to twenty minutes over the phone with you and we will put a plan together on why a short sale will give you the results you want in your situation.

We have been really strong in short sales for the past three years. We now have gotten an approval letter on each single short sale that we’ve attempted and the sellers have agreed to work with us. Nearly all of our short sales have been absolutely satisfied meaning that each loans are totally forgiven.

Again, we’re the Pomerleau Team at Keller Williams, your Minnesota short sale specialists and we’re here to help. When you’ve got any questions or for those who simply want to go over your situation with us, feel free to hit the beginning button on shortsaleshift.com, fill out some information or call us or e mail us and we’ll get back to you as soon as possible. Thanks and have a fantastic day.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hello everybody my name is Josh Pomerleau with Short Sale Shift, Minnesota’s premiere short sale crew, thanks for taking a minute to take a look at my weblog today. I work with Keller Williams Realty in the Minnesota area and weblog on daily basis from the short sale trenches to provide Minnesota owners with priceless information on their choices for avoiding foreclosure. For those who can no longer afford your mortgage, or are already contemplating a short sale, feel free to browse the over seven hundred videos on my website or contact me directly to discuss your options.

For my blog as we speak I wanted to discuss working with Ocwen on a short sale file and some of my latest experiences. I have a couple of files with Ocwen right now and recently got an approval by means of the HAFA program with Ocwen. That HAFA program short sale was an enormous success for our client as a result of they were rewarded with three thousand dollars for relocating from their Minnesota property. I also have a buyer’s appraisal today on an Ocwen short sale that has been processed very quickly. Ocwen did an incredible job of getting this short sale file processed quick which was a huge relief to our Minnesota home-owner as a result of their sheriff sale was only some weeks away. Ocwen has additionally agreed to accept this short sale as payment in full for both a first and second mortgage which is all the time my purpose after I take on a file.

So you probably have any questions on your mortgage with Ocwen, or if a short sale just makes business sense, give me a call at this time to arrange a free consultation. On my website you may as well discover an excellent new software referred to as the Short Or Stay Calculator that will provide you with a big picture view of when your own home could also be an asset again. Thanks for your time and I hope you might have a fantastic day.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.

Hi there everyone and welcome to ShortSaleShift.com, that is Josh and I’m Sarah. We run one among Minnesota’s high short sale groups here at Keller Williams and we run the Pomerleau Team. If you have not checked out our short sale calculator yet, go on our top tool bar and fill in your property information. It’ll send you an in depth report that may enable you to determine if a short sale is correct for you. At the moment we’re going to speak in regards to the sherrif sale. We aren’t attorneys however we’re real estate agents so we won’t provide you with legal advice or inform you exactlty what occurs with a foreclosure.

We all know the process as a result of we cope with so many short sales and we see it everyday. So when a home-owner goes late, they start getting really threatening calls and threatening mail communication. Should you’re working with us on a short sale we are going to line it up so you’re ok, but it still could happen.

After you are about six months late, that’s often when the sherrif sale happens. The sherrif sale is principally when the home goes into foreclosure. The good factor in Minnesota is we have six months to redeem the property from foreclosure. A short sale can occur during this time period too. There are some investors that say they won’t do it in the course of the redemption period but we’ve always discovered that if we struggle it hard enough and lengthy enough, we’ll be capable to get the short sale authorized even within the redemption period.

In some other states there isn’t that redemption period. So as soon as the sherrif sale hits, that is it and you must be out of your house and it is going back to the bank. I encourage you to reach out to us and tell us where you might be within the process so we will line it up and make the short sale close inside the time frame.

Once more we are with the Pomerleau Team at Keller Williams, your Minnesota short sale specialists and we’re right here to help. I hope this was some good data for you. When you’ve got any other questions, maybe about short sales or the short sale process, you can call 763-463-7580 or you’ll be able to click on the start button on the bottom of our webpage, input your information and we are going to get back to you as quickly as possible. Thanks and have an ideal day.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Shift blog or you can also try out their Short Sale Calculator and get started today.