Get cash to sell the home you can’t afford

Get cash to sell the home you can’t afford

Since the beginning of the housing crisis, millions of homeowners have found themselves pinned in by their financial circumstances and chained to a mortgage on which they owe more than their home is worth. In the past, homeowners enduring these challenges had very few options, and most would be forced to lose their home to foreclosure.

Today, however, there are more options. The government and the banks have created a multitude of programs and foreclosure alternatives that can help people in these circumstances find a dignified solution for their problems without crippling their financial future. These options include loan modifications, refinancing, or short sales.

The most amazing development in today’s market, however, is one simple fact: Banks are now willing to give cash to homeowners to sell the home they can’t afford.

Please contact me today if you or someone you know could use my help and wants the latest information about current incentives available to distressed homeowners.

Julia Bayci & Elizabeth Garcia

201-794-7050

cbgardenstate@gmail.com

www.NJhomeOwnerSolutions.com

www.NorthJerseyHouse.com

www.NJHomeinfo.com

How to get up to $30,000 & Stop Your Home Foreclosure

Banks Offering Unprecedented Cash Incentives to Homeowners in Danger of Losing Homes to Foreclosure.

ELMWOOD PARK, NJ – 11/19/12 – Distressed homeowners in Bergen County can now take advantage of historically unprecedented cash incentives to sell the home they can’t afford. Because of the unique nature of today’s market, new bank and government programs pay relocation incentives to homeowners who undergo a foreclosure alternative – most commonly short sales.

“For the banks, this is a case of simple math,” says Elizabeth Garcia, CDPE Coldwell Banker – Garden State Homes. “The costs incurred in a foreclosure include maintaining the vacant property and advertising the property themselves. Typically, the home sells for less than it does in a short sale.” Because of this disparity, most major banks offer thousands of dollars in order to entice distressed homeowners into proactively seeking a solution.

Bank of America, Chase, Citibank and Wells Fargo all offer thousands of dollars in cash incentives, and some amounts can go as high as $30,000. “The great part about this for homeowners is that a short sale often ends up being better on credit reports than a foreclosure, so receiving cash is just a bonus they receive for engaging in a solution that helps them out in the long run,” said Garcia.

As a Certified Distressed Property Expert (CDPE), Elizabeth Garcia is knowledgeable of the entire landscape of foreclosure avoidance options and is distinctly qualified to negotiate with banks and help financially strapped homeowners regain peace of mind and a sense of stability for the future.

Elizabeth Garcia has developed a free report entitled “Short Sale Incentives: Why the bank will give you cash to sell the home you can’t afford” that is accessible from her website, www.NorthJerseyHouse.com

About

Elizabeth Garcia - Coldwell Banker - Garden State Homes

25 Broadway (Highway Route 4) Elmwood Park, NJ

201-794-7050

For more information about the CDPE Designation, visit www.CDPE.com.

Estate Sale! Motivated Seller! Garfield, NJ

Click here to see more pictures and detailed information. Schedule a Showing Elmwood Park Homes All Lodi Homes For Sale Garfield Homes For Sale Julia Bayci & Elizabeth Garcia Coldwell Banker - Garden State Homes 201-794-7050 Questions? Schedule a Showing! MLS#: 2950387 Licensed In: NJ License #: 9912789 L2L Virtual Tours

245 Palisade Ave Bogota, NJ

IN CONTRACT Recently Renovated Short Sale

Schedule a Showing Bogota Homes For Sale Elmwood Park Homes Search All Homes For Sale Hackensack Homes for Sale Foreclosures Short Sales See Property Details Call 201-794-7050 for more information on this or any other property. Visit Property Website Courtesy: Julia Bayci & Elizabeth Garcia Email Me Now 201-794-7050 Licensed In: NJ License #: 9912789 245 PALISADE AVE BOGOTA, NJ Bedrooms: 3 Bathrooms: 1 full, 1 half List Price: $Get Current Price

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Equal Housing Opportunity

Stop Foreclosure! Get 3k to 35K for relocation.

Bergen County Short Sale Specialist What is a real estate short sale in Bergen County? A quick sale in real estate, also commonly called a short sale, happens when a lender is willing to accept a lower pay off on a loan than what is currently owed due to the borrowers inability to continue making payments. What does it take to qualify for a Bergen County Short sale? While lenders seem to be easier to work with lately regarding qualifications, there are usually three borrower qualifications that most lenders require for a Bergen County short sale. Negative Equity - The proceeds from the sale of the property, after all closing costs are paid, are less than the amount currently owed on the property, Financial Insolvency - Financial insolvency means that the borrower has no other assets that could cover the deficiency (the difference between what is owed on the property and the proceeds from the sale) Financial hardship - Financial hardships that are acceptable do vary some from lender to lender, but the most common ones are; divorce or legal separation, loss of employment or reduction in income, job transfer or relocation, incarceration, medical emergencies or major medical expenses, death of a family member, vacant rental properties, damaged property, just to name a few. Most lenders believe that a short sale is not for home owners who simply want to sell, but for those who have to sell. Is it possible for me to get money back for completing a short sale? Until recent times, it was almost unheard of for a home owner to get money back in a short sale. Things have changed for the better. The HAFA program, backed by the US Government, allows homeowners $3,000 to use towards relocation expenses. In addition, some lenders will offer generous incentives of their own in addition to money offered through the HAFA program. We have seen home owners get as much as $35,000 back to complete a short sale. Who will pay the Bergen County short sale Realtors® commission? In a short sale it is customary for a lender to cover all fees associated with the sale of the property, including your Bergen County short sale specialist as well. In almost all cases, a home owner in hardship will pay no out of pocket expense to complete a short sale transaction. How Can a Bergen County short sale specialist help me? As a Bergen County short sale specialist, I have helped many home owners who are in a difficult financial season get a fresh start with a short sale. Short sales are not part of our "basic training" as real estate agents, and are something that should only be left to those of us who are especially qualified and experienced. Experience is everything when it comes. I'll not only market your home in the traditional manor, but will guide you through this transition while simultaneously processing the short sale with your lender. Visit my website for more information on the short sale process. Elizabeth Garcia ~ Your Bergen County Short Sale Specialist Realtor® ~ Coldwell Banker - Garden State HomesNAME PHONE: 201-794-7050 shortsalesbergencounty.com

Bergen County Short Sale Specialist

Bergen County Short Sale Specialist