FREE REPORT: The 9 Alternatives to Foreclosure

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What are your Options if you are facing Foreclosure? Get the information you will need to make an informed decision today! This way you can successfully analyze which Option might best suit your needs and desires.

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Dear Homeowner,

Most of my Clients these days are stressed out about their financial situation and want to regain their lifestyle. If you find yourself in this position or you simply owe more than your home is worth and you need to sell, avoiding foreclosure with a short sale may be your best option? But don't get taken for a long, stressful ride by a self proclaimed short sale 'expert'...

Remember, YOU should NEVER have to pay any UPFRONT FEES to get started on a Short Sale. And your Lender will cover ALL of the costs to complete a Short Sale transaction. YOU PAY NOTHING!

"What is a Short Sale?"

Simply put, a short sale is a real estate transaction where the homeowner owes their Lender more than what their property is worth and they need to sell. In a short sale, the Lender must approve and accept less than what they are owed as full payoff (this means they may settle for $150,000, even if you currently owe them $400,000...in Arizona, the losses are in the hundreds of thousands of dollars).

Are you facing a financial hardship that you know will decrease your income?

Are you getting behind on your mortgage and you're not sure if you can catch up?

Or do you just need to sell quickly but your home is worth less now than when you bought it?

If you are facing any of the situations above, and you think a short sale might be your best option, then read on. If you're still not sure and just want more info, then SCROLL back to the TOP of this page and request a FREE COPY of our report "The 9 Alternatives When Facing Foreclosure".

Don't worry.  It's not your fault...

You gotta remember, we've all had our ups and downs in life and a lot of other good people are also in the same tough spot as you. Life seems scary when you're facing the reality of foreclosure and I know how you feel when you just don't wanna answer the phone any more...  

We all agree that we're in the middle of a national mortgage crisis and that, in many cases, homeowners who have bought or refinanced in the last few years have been seriously abused by unethical lending practices!!

You bought your home and hoped (like we all did) that it would increase in value (and some folks were even promised it would!), but most likely the harsh reality is that now your home is worth less than when you bought it and the value is still declining sharply.

Many homeowners in the Valley are in this position and now need to get the help they deserve....  

It's sad but true!

Did you know that nearly 90% of the homeowners nationwide who try to "short sale" their home will end up losing their home to foreclosure due to an uneducated or lazy agent?

Don't allow this to happen to you!

I hate to say this about my fellow agents, but the majority of them that are "trying to help" have not been properly trained and sadly, they are misinformed as to how to even negotiate with Lenders. Some even charge you an UPFRONT FEE or get so far as to submit your 'short sale packet' and then just sit back and wait for a response! In the end, they simply don't know how to help you and you will become one of those "90%" that were not helped.

"Short sales are not easy!"

...unless you seek the help of an expert agent with a proven track record. I have been personally trained by a former Chief Loss Mitigator who is a career loss mitigator and asset manager with 20 years in the business (he is ultimately the guy at the bank who accepts or declines short sales).

For example, he worked for IndyMac Bank, a top ten lender, as the Head of their HELOC Loss Mitigation Division. His insider knowledge and broad base of industry contacts allows us to get our approvals faster! In fact, we are constantly participating in Short Sale Training Programs to keep us ahead of all other short sale realtors in the Valley.

You can see from my recent approval letters below (I swap out some of my recent approvals every couple months, so you will notice these will have been from within the last 90 days), we actually get the banks to say YES to our short sales. Before you agree to have an agent help you sell your home, ask him/her to show you just one short sale approval within the last 6 months... I doubt they can.

I have personally learned the tips and tricks from someone working INSIDE THE BANK and then taught my Team exactly how to ethically BEAT THE BANK... 91.4% of the time!

Recent Results

 

More Results

If you're not sure and just want to find out if you qualify, give me a call and I will walk you through your options. Believe it or not, you may just need help getting a temporary reduction in your payments to 'catch up'. In any case, call me to talk about the several options that you may not be aware of.

If you don't know what else to do and you don't call me at 602-739-3500, what will it cost you in damaged credit, frustration and stress? I'm available when you call, from 9am to 9pm Monday through Saturday.

I know how you feel and I can help.

Sincerely,

Todd Denen, Keller Williams
Direct: 602-739-3500		Email: tdenen@cox.net

P.S. Don't let the Lender's abusive scheme take advantage of you and cause you to lose your home to a foreclosure auction! Save your credit and have peace of mind dealing with an expert.

Disclaimer

FOR INFORMATIONAL PURPOSES ONLY. ALWAYS SEEK LEGAL AND TAX ADVICE BEFORE SELLING YOUR HOME.

Keller Williams and Todd Denen does not engage in the practice of law nor gives legal or tax advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.