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-4/05/09- An $8,000 First-Time Home Buyer Tax Credit that does not require repayment is now available for the purchase of a principal residence on or after Jan. 1, 2009, and before Dec. 1, 2009 The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009.  The credit does not require repayment.  Most of the mechanics of the credit will be the same as under the 2008 rules:  the credit will be claimed on a tax return to reduce the purchaser's income tax liability.  If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser.

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Loan Modifications

Can’t Afford your Mortgage but Want to Stay In Your Home? 

Let Sell More Short Sales get lender approval for a Loan Modification.

Due to recent cooperation of the U.S. government and various lenders, Sell More Short Sales has had a tremendous amount of success assisting borrowers avoid foreclosure while staying in their home. Our Loan Modification Specialists in Bay Area will provide a free consultation to understand your current situation and put together a customized plan before going to your lender with the best solution for you. 

A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, this allows the loan to be reinstated, reducing interest rates and results in a payment the mortgagor can afford, bringing your mortgage up to date after repayment of any delinquent interest, fees and other costs, based on your lenders guidelines

These changes may include:

  • Reducing or modifying the interest rate
  • Extending the term of the loan
  • Changing the monthly payments
  • Combining any of the above
A Mortgage Loan Modification will give you a fresh start, bringing your mortgage up to date after capitalizing any delinquent interest, escrow, fees, and other costs based on investor guidelines. 

Acting promptly should be your number one priority; the lender will need time to process, develop, and implement a plan. Contact Sell More Short Sales. Today we will begin negotiations on your behalf in order to stop foreclosure and save your home.


Other solutions to avoid foreclosure and KEEP YOU IN YOUR HOME include: 

Reinstatement: A borrower in default under a deed of trust can avoid a foreclosure sale by reinstating the loan and bringing it to a current status before foreclosure. . After identifying that a reinstatement is the best and most viable foreclosure alternative,, Sell More Short Sales will work with you to determine what steps may be most appropriate to move forward .

Repayment Plan: This foreclosure option lets you repay part of your delinquency each month, in addition to your regular monthly payment. A repayment plan is the perfect option for someone that experienced momentary financial hardship, but is now back on their feet. I Short Sale will negotiate with your lender to spread the past-due amount over a specified period of time. 

Forbearance: The act of refraining form taking legal action despite the fact that payment of promissory note in a mortgage or deed of trust is in arrears. In order to stay in your home, a lender will agree to delay or reduce payments for a short period of time, with the understanding that another option will be used to bring your balance current. Sell More Short Sales will negotiate to get you the time you need to determine the best solution for you.   

The earlier in the foreclosure process the lender is contacted the better it is for you the property owner, trying to avoid dealing with the situation is simply unwise-

For a FREE consultation please call one of our short sale specialists.

- Contact Us Now! -
(510) 776-9875!

Copyright © Sell More Short Sales, INC. 2008

The information contained in this website is the sole and exclusive property of Sell More Short Sales, Inc. ("Sell More Short Sales") and may not be reproduced for any purpose whatsoever without the express written permission of SellMoreShortSales.com. Any unauthorized reproduction of these materials is strictly prohibited.

I, the undersigned, acknowledge that it has been disclosed to me that every attempt will be made to successfully market my property in order to save my home from foreclosure. In the event of a short sale on my property, I understand there is no guarantee that the lender beneficiary on my property will approve a payment for less than the full amount due on the loan. Furthermore, I understand that I am unlikely to receive any cash compensation from this transaction. I further have been advised that there may be tax ramifications associated with saving my home from foreclosure auction, including but not limited to, the issuance of an IRS tax form 1099 for any shortfall of the mortgage debt. As licensed real estate professionals, specializing in mitigating foreclosure losses, we disclose that we are not attorneys or certified public accountants and I understand that I have been advised to consult with any of these professionals with regard to any specific questions I may have relative to these areas of expertise. And although every effort will be made to obtain full release/payoff status of my loan. the listing agent cannot guarantee that there will be no possiblility of lender-instigated judgment against me for any loan deficiency. I also understand that the listing agent and/or their associates may become the listing agent for the beneficiary/investor or other new owner, if the property goes to foreclosure sale and is sold.