Do you qualify for a gov Loan Modification?
Pacifica Properties & Mortgage
2075 Morena Blvd San Diego CA 92110
Do you owe more than your home is currently worth but really want to stay in your home? You may qualify for the government’s “Making Home Affordable Programs” established to offer assistance to homeowners in financial distress in obtaining relief and avoid foreclosure.
This program consists of several options:
- HARP – Home Affordable Refinance Program
- HAMP Home Affordable Loan Modification Program that may reduce your interest rate and payment which could make the difference and allow you to stay in your home.
Do you qualify for a refinance or loan modification?
Many property owners do. Hi my name is Rico Alexander and I am a top San Diego County Realtor / Mortgage Consultant with Pacifica Properties & Mortgage. We are experts on the HAMP Loan Modification Program. My team and I have done many loan modifications and can review with you all the programs available to quickly determine if you qualify and that this is the best route for you and your family.
Call me today for a free no obligation loan consolation to determine if you qualify for loan modification.
You do not have to be behind in your mortgage payments to qualify for these programs. There is a lot of confusion out there regarding homeowner’s real options who are currently upside down or delinquent on you mortgage. Loan modification programs can be confusing, so you really need an expert to guild you thought this process.
If a loan modification is not your best option, we are experts on the HAFA Short Sale program which streamlines the short sale process and we can sell your home at no cost to you. This program will:
1. Complete release you from the mortgage debt and also provide you with a moving credit at the close of escrow to help you rent another home.
2. With a Short Sale you can save your Credit & Walk Away debt free and No Tax Consequences to the IRS
3. Your lender will pay all the cost associated with selling the property and you will walk away debt free.
4. Sell for Full Market Value Quickly!
5. Avoid Foreclosure & Bankruptcy
Save your credit…You will be able to purchase another home is the next 24 months. Not wait 7 years like you would with a foreclosure or bankruptcy.
My team at Pacifica Properties has negotiated hundreds of short sales over the past 2 years. Here are just a few of the satisfied customer who we have helped.
Monica & Jerry I. Vista
We tried for a loan modification but after months of waiting we were offered just a temporary interest rate reduction; a friend referred Rico of Pacifica Properties & Mortgage to us. He sat down and reviewed all our options and a short sale was our best option. We never spoke to our lenders again, Rico negotiated a complete settlement of our debt and we walked away debt free.
John & Debbi M. Chula Vista
Rico sold our home fast… in even less time than he estimated. He handled all the short sale paper work and negotiated with our two different lenders and made sure we were legally protected from the lenders coming back to us for any deficiencies. We have referred Rico to friends & family.
Maridia San Diego
My home was listed with another agent for months with no success. Then Rico Alexander sold my home in weeks and got our short sale accepted and proceeded to oversee all the detail of the short sale. I highly recommend Rico and his competent staff.
Five Reasons you do not want to go through foreclosure:
- Ruins your credit, 300-400 points off your fico scores
- Countless harassing phone calls from your lender
- Trouble getting credit cards, auto loans, or renting another property
- The embarrassment of “Bank Foreclosure” sign in front of your house
- Being forced to vacate by the lender / sheriff dept
Please do not put off contacting me to discuss your options. Remember the sooner you call the closer you’ll be to the 24 months you’ll need before you can purchase another home and move on with your life.
Visit our visit our website for these articles and more - LoanAndHomeStore.com
- Frequently Asked Questions about Short Sales
- What to Expect: The Short Sale Time Frame
- Short Sale Required Document List, Preparing a Hardship Letter
- United States Short Sale Law
Thanks for taking time to review this information.
Please contact me for a Free, no obligations phone consultation about your individual situation.
760-431-9577.
Sincerely,
Rico Alexander
Loan Modification / Short Sale Specialist
Pacifica Properties & Mortgage.
