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Shopping in Fort Collins Colorado

Trick or Treat

Trick or Treat

 

Photo Credit to downtownfortcollins.com

Looking for something to do with your young children on Halloween? Well, you can stop the search… downtown Fort Collins is the place to be! Local business owners are participating in a fun filled event specifically for young children. The event will be held from 10:00am to 1:00 pm. Be sure to arrive at the Old Town Square at 10:00am to receive a special goodie bag for your children to take along with them as they creep up and down the streets. After you kids are sugared up, they can have all ball at the Monster Mash hosted at the Sunset Event Center, where there will be beverages and a “cookie filled dance party.” Sound like fun? It will certainly be an event you won’t want to miss!

For more information please follow the link below.

For Event Details Click this Link

FREE Webinar: How to handle your Underwater Home

Rob Kittle and The Kittle Team are committed to providing alternatives to foreclosure whenever possible.  If you are amongst the thousands of people underwater in your home or experiencing a financial hardship, we invite you watch this exclusive video to learn what your options are.

The Underwater Home video is both an emotional and practical guide for the underwater homeowner. Professor White explains when it makes financial sense to stay in your underwater home and when it makes sense to get out. He explains your options and gives you the facts that will empower you to make the best decision for your family, free from guilt or fear, and with clarity, confidence and peace of mind.

Brent White is a law professor at the University of Arizona James E. Rogers College of Law and one of the nation’s leading experts on the mortgage crisis. His academic work has been widely-covered in the national media including 60 Minutes, the Wall Street Journal, the Washington Post, and the New York Times.

Click the link below and enter access code KITTLE2 to view this empowering video for FREE!

www.distressedpropertywebinar.com

FREE Webinar: How to handle your Underwater Home

Rob Kittle and The Kittle Team are committed to providing alternatives to foreclosure whenever possible. If you are amongst the thousands of people underwater in your home or experiencing a financial hardship, we invite you watch this exclusive video to learn what your options are.

The Underwater Home video is both an emotional and practical guide for the underwater homeowner. Professor White explains when it makes financial sense to stay in your underwater home and when it makes sense to get out. He explains your options and gives you the facts that will empower you to make the best decision for your family, free from guilt or fear, and with clarity, confidence and peace of mind.

Brent White is a law professor at the University of Arizona James E. Rogers College of Law and one of the nation’s leading experts on the mortgage crisis. His academic work has been widely-covered in the national media including 60 Minutes, the Wall Street Journal, the Washington Post, and the New York Times.

Click the link below and enter access code KITTLE2 to view this empowering video for FREE!

www.distressedpropertywebinar.com

This Strategy Makes Fort Collins Short Sales Easier

 

Fort Collins CO – I read an interesting book that was written by a former real estate agent. The author, Robert Ringer, talked about persistence and how it helps you be successful.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

He told a story about negotiating a price on a product he was purchasing. The first person he talked to told him that he couldn't buy something in bulk for a certain price.

Rather than argue with her, he instead hung up and called back in. The next person he talked to agreed to sell him the product in bulk for the price he wanted.

He got what he wanted a lot faster and easier than if he had spent time arguing with the first person. He gave another example of trying to change his account info with a phone company.

The first person tells him he needs to print and sign a form. Then, he must have it notarized and mailed to the company. The company will then change the account information.

Does he willingly go along with her? No. Instead, he hung up the phone, called in again, and talked to another rep.

In just a few minutes that rep had changed the information in the computer system. Goal accomplished. So what does this have to do with short sales?

I will use this same strategy when I negotiate your short sale. If the first person won't give us what we want, then I will ask someone else. Now, this can't be use in all stages of the short sale.

But, it can be used to increase our odds of success. Remember, my goal is to help you wipe out the upside down debt, get rid of any tax liability, and keep your credit intact.

I might even be able to get you a $3,000 short sale incentive from your lender. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at RobKittle70@msn.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor:



Phone: (970) 690-4920. RobKittle70@msn.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Fort Collins CO Short Sales. Fort Collins Realtor.



Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Rob Kittle, Keller Williams Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Rob's personal views and do not reflect the views of Keller Williams Realty.

This information on This Strategy Makes Fort Collins Short Sales Easier is provided as a courtesy to our viewers to help them make informed decisions.

A List Of Everyone Who Benefits From A Fort Collins Short Sale

Fort Collins CO – First, it benefits the owner of the loan. The owner can be the bank or a third party such as Fannie Mae or Freddie Mac. They are Quasi-Governmental Entities.


The American Taxpayer has bailed them out to the tune of hundreds of millions of dollars and will continue to bail them out for any future losses.


Click here to discover how other sellers successfully did a short sale and avoided foreclosure.


These two entities own about 55-60% of all American Mortgages. So, it is very likely that a short sale benefits not just them, but also every single American Taxpayer.


Two other entities insure another 10-20% of all American Mortgages. Those two entities are FHA and the VA Loan Program. All veterans benefit from a short sale of a VA Loan because it helps reduce losses on the VA Loan Program.


Up until recently many experts speculated that the FHA Loan Program would need a bailout. Fortunately, the program's finances have improved and it looks like it will no longer need a bailout.


But, every short sale that helps the program reduce its losses helps it move further away from a bailout.


I am sure you are asking, "Why does a short sale help a bank reduce its losses compared to a foreclosure?"


The reason is because they get to sell the house at today's price, versus what it will be worth 6-12 months down the road. I just did a comparison and pulled up sold listings.


All of the listings were the similar properties in similar neighborhoods. First, I looked up the average selling price per SQFT of homes that sold in Spring. They sold for an average of $103 a SQFT.


Then, I pulled up homes in the same neighborhoods that sold as REOs in the last 2 months. They are sold for an average of $85 a SQFT. These homes average 1,700 a SQFT. That means a 1,700 REO sold for $30,600 less. Ouch!


The other person that's getting value is the buyer. They get a better deal in today's market than buying a home from someone who is trying to squeeze out every penny.


You, the seller also benefit. You will be eligible to buy another home in 24 months. You have a better chance of getting a job, because many employers check that nowadays.


A short sale is a win - win for everyone involved. Thinking about a short sale?


I can help you short sale your property and get back on your feet. Send me an e-mail at RobKittle70@msn.com. I will contact you for a free consultation.


When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920


Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.


Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.


Thanks for reading this, Rob Kittle.



Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor:


Phone: (970) 690-4920. RobKittle70@msn.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.


Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Fort Collins CO Short Sales. Fort Collins Realtor.


Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Rob Kittle, Keller Williams Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.


However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.


We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

The views expressed here are Rob's personal views and do not reflect the views of Keller Williams Realty.

This information on A List Of Everyone Who Benefits From A Fort Collins Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Why A Fort Collins Short Sale Is A Better Alternative Than A Deed-In-Lieu Of Foreclosure

Fort Collins CO – If you are facing foreclosure, then I'm sure you've heard of a Deed In Lieu of foreclosure. Some people say it is a great way to avoid foreclosure. Actually, all it does is accelerate the foreclosure process. Click here to discover how other sellers successfully did a short sale and avoided foreclosure.  

Here are the most common myths about a Deed In Lieu. Common Myth #1: If I do a Deed In Lieu in Gainesville, then I will not owe the lender any more money. A Deed In Lieu is similar to a No Contest Plea. The judge stops analyzing the foreclosure case and simply schedules the foreclosure auction. Unless otherwise stipulated, the lender still has all the deficiency and future collection rights. They may come after you for the loss.  

Common Myth #2. A Deed In Lieu is better for my credit than a foreclosure. I've heard many people say, "A Deed In Lieu is better for your credit because you avoid foreclosure." It's kind of sad to hear them say it. After you sign all the Deed In Lieu paperwork, then your house will still be sold at a foreclosure auction. Any person can actually bid on the house at the auction.  

Common Myth #3: A Deed In Lieu Is easy. This is absolutely not true. The process required a lot of follow up with the lender. Most lenders require you submit all your financial information. 

They want to make sure that you genuinely cannot afford the property. The process often takes between 20 and 40 hours over the course of several months. 

 First, you submit your paperwork. Then, you call your lender to make sure they received your paperwork. Then, you have to wait while they review it. 

 Then, you have to answer any question or provide more paperwork they request. To me this is insane. Why not just live for free until your lender forecloses? 

 A Deed In Lieu of foreclosure offers almost zero benefit to you. So why go thru the aggravation? 

That is why I always recommend a short sale over a Deed In Lieu. Thinking about a short sale? 

I can help you short sale your property and get back on your feet. Send me an e-mail at RobKittle70@msn.com. I will contact you for a free consultation. 

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920 

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. 

 Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. 

Thanks for reading this, Rob Kittle. 

Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor: 

Phone: (970) 690-4920. RobKittle70@msn.com. 

We Specialize, You Benefit!

View My homes for sale at www.RobKittle.com. 

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Fort Collins CO Short Sales. Fort Collins Realtor. 

Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.  

Important Notice  

Rob Kittle, Keller Williams Realty, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why? 

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. 

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. 

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. 

 This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. 

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. 

The views expressed here are Rob's personal views and do not reflect the views of Keller Williams Realty. 

This information on Why A Fort Collins Short Sale Is A Better Alternative Than A Deed-In-Lieu Of Foreclosure is provided as a courtesy to our viewers to help them make informed decisions.

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REAL ESTATE MARKET STATISTICS: Northern Colorado (January 2011)

Looking for to move in Northern Colorado at this time of the year? Check out the latest Market Statistics for the month of January, 2011 right here and let Rob Kittle & The Kittle Team help you, whether you are looking to buying or selling property in Northern Colorado – - – Give us a Call

FORT COLLINS

GREELEY

LOVELAND

Looking for Distressed Properties? Search all the FORECLOSURES and SHORT SALES in NORTHERN COLORADO.

CLICK HERE TO SEARCH : Fort Collins Foreclosures / Short Sales

CLICK HERE TO SEARCH : Loveland Foreclosures / Short Sales

CLICK HERE TO SEARCH : Windsor Foreclosures / Short Sales

CLICK HERE TO SEARCH : Greeley Foreclosures / Short Sales

What You Should Look For In A Buyer Of Your Fort Collins Short Sale Property?

Fort Collins CO – Short Sales can be tough.Many buyers don't understand the process and think that since it is a buyer's market, then they set the rules. That's not the case.

You, the seller set the rules. After all, you still own the property.

But, more importantly, you must set the rules for offers.

If you don't then you dramatically reduce your odds of successfully short selling your property.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Here is what you should think about before you take your home off of the market.

1. You should only accept and work with one offer at a time. If you accept more than one offer at a time, then buyers get mad. The primary offer might get angry because you accepted a backup offer. In addition, multiple offers confuse everyone involved including the short sale lender.

CLICK HERE TO READ THE FULL ARTICLE

Looking for Distressed Properties? Search all the FORECLOSURES and SHORT SALES in NORTHERN COLORADO.

CLICK HERE TO SEARCH : Fort Collins Foreclosures / Short Sales

CLICK HERE TO SEARCH : Loveland Foreclosures / Short Sales

CLICK HERE TO SEARCH : Windsor Foreclosures / Short Sales

CLICK HERE TO SEARCH : Greeley Foreclosures / Short Sales

Fort Collins Short Sales: How To Get A Short Sale Lender To Waive Deficiency Clause

 

Fort Collins CO – The Stop Foreclosure Institute recently received a question from John. Here is John's Question.

"I just received a full price offer on my house. My main concern is that I don't get stuck having to pay off the deficiency. I have a first and 2nd with Chase and owe 270K on the home. The buyer's loan is also with Chase.

How can I work this out so that I can walk away from this without owing any money? Is it even possible with such a large difference between what the house is worth and what is owed? John.”

Discover how other sellers successfully d foreclosure by clicking here.

Here is the answer to John's Question: John, you need to read thru the short sale approval letter. See if is contains any language like “Payoff”, “Forgiven”, or “agrees to release the debt.”

Have an attorney read it over to make sure that it says the debt will be released. If it doesn’t say the debt will be released, then here is how you can re-negotiate for them to issue a complete release.

1. Request that the deficiency be waived. Tell the lender you will not short sale the property unless they give you a complete release.

2. Show proof that you cannot afford the deficiency payment. A debt from an absolutely broke person is worthless.

3. Show proof that the lender will net more money from the short sale compared to a foreclosure. This is your agent’s job to do. They will put together a calculation showing how much the lender is netting from the short sale, and project what they would net from a foreclosure.

If you cannot prove that you income doesn't cover your bills, then you may need to look into other avenues. You can look into getting a forensic loan audit to see if the lender broke any lending laws on the loan. Thinking about a short sale?

I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: (970) 690-4920. RobKittle@kw.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor , Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on Fort Collins Short Sales: How To Get A Short Sale Lender To Waive Deficiency Clause is provided as a courtesy to our viewers to help them make informed decisions.

Will I Still Have To Pay Property Taxes If I Do A Fort Collins Short Sale?

 

Fort Collins CO – The Stop Foreclosure Institute recently received a question from Paul. Here is Paul's Question.

"I am thinking about a short sale, but I am behind on my property taxes. Will I still have to pay them if I short sale my home? Max."

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Here is the answer to Paul's Question: In most cases your lender will pay those property taxes. Property taxes are a first priority lien on a property.

That means that if a property is foreclosed upon, then they still have to be paid. They don’t go away for any reason.

This is also why most lenders want to charge you monthly and then pay the property taxes themselves. They know that the taxes are a big bill that only comes once a year.

Not everyone can afford that big bill. Because your lender knows they will still have to pay the taxes after a foreclosure, they are willing to pay them during a short sale.

A foreclosure is a liquidation of the property to simply get what they can and move on. A short sale has been proven to net them more money than a foreclosure.

So if they are liquidating the property, why net more money from the sale with a short sale and avoid a foreclosure? That’s why they will pay the taxes when you short sale.

Every short sale the Stop Foreclosure Institute has sold resulted in the lender paying the property taxes that were owed. In some cases they paid 2-3 years of property taxes. Thinking about a short sale?

I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: (970) 690-4920. RobKittle@kw.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor , Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on Will I Still Have To Pay Property Taxes If I Do A Fort Collins Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

Fort Collins Short Sales: I Have Mortgage Insurance. Won't That Cover The Deficiency?

Fort Collins CO – The Stop Foreclosure Institute recently received a question from Max. Here is Max's Question.

"If I pay mortgage insurance and default on my loan, why wouldn’t that cover the deficiency amount? Max."

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Here is the answer to Max's Question: Yes, the Mortgage Insurance should pay your lender for any loss. So that reduces the amount that your lender will lose on the short sale.

There are a couple of problems. Many Mortgage Insurance Companies have gone bankrupt. They can't pay on their claims.

In this situation your lender may or may not pursue you for the loss.

(I've written extensively on deficiencies on other blog posts. In 60-75% of all short sales, you won't owe a deficiency. E-mail me at RobKittle70@msn.com and I can research your specific situation.)

The other problem is that many Mortgage Insurance Companies have terms written into the mortgage that they can pursue you for the loss.

They are more aggressive with trying to be repaid. In the few short sales we have negotiated and the lender asked for a promissory note, the person requesting it usually was the Mortgage Insurance Company.

But, they only ask for a promissory note about half the time. In addition, the promissory notes are usually for an amount lower than the loss.

For example on one short sale, the loss was around $59,000. The seller agreed to a promissory note of $10,000 to be repaid over the next 10 years with Zero Interest. Their Monthly Payment was $83.33.

We won't know if they will ask for a promissory note until the short sale is in progress. If you know you have Mortgage Insurance, then you need to find and aggressive short sale agent.

They will work to get an promissory note or deficiency waived. Thinking about a short sale?

I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: (970) 690-4920. RobKittle@kw.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor , Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on Fort Collins Short Sales: I Have Mortgage Insurance. Won't That Cover The Deficiency? is provided as a courtesy to our viewers to help them make informed decisions.

How Much Do You Charge For A Short Sale in Fort Collins?

 

Fort Collins CO – The Stop Foreclosure Institute recently received a question from Tawny. Here is Tawny's Question.

"I have not been late on any payments but my income will be changing dramatically towards the end of the summer. What is your exact service and what are the fees involved? I do not have any cash in savings and pretty much live paycheck to paycheck. Tawny."

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Here is the answer to Tawny's Question: A Short Sale doesn't cost the homeowner any money. All of the costs are paid for by the homeowner's lender.

Now, I'm sure you are asking, "The bank is losing money on the short sale. They wouldn't want to have to pay to sell the property."

Many people also think this. After all, it makes sense logically. But, it's actually not the case.

Banks have been lending money for centuries. They have learned from past experience that a short sale is a good way to cut their losses.

In fact, a recent study by the Boston Consulting Group actually showed that a short sale reduced a lender's losses by 20%, compared to a foreclosure.

After a lender forecloses on a property they put it up for sale. They have to hire and pay a real estate agent and all the other related costs.

Why not pay those costs on a short sale and cut their losses by 20%? It's a good business decision. And that's why a short sale doesn't cost the homeowner anything.

Your lender covers all the cost including the real estate agent, title fees, and other closing costs. Thinking about a short sale?

I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (970) 690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: (970) 690-4920. RobKittle@kw.com.

We Specialize, You Benefit

View My homes for sale at www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor , Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on How Much Do You Charge For A Short Sale in Fort Collins? is provided as a courtesy to our viewers to help them make informed decisions.

Fort Collins Short Sales: Saint or Sinner?

Typical Abandoned Real Estate

Fort Collins CO– The New York Time had an interesting article about one man’s mission in the fight to stop foreclosure. According to the article, Mark Guerette, attempted to make use of all the empty, abandoned houses he saw.

I get frustrated when I see homes sitting empty for months and months. “Those homes should be put to good use!” I thought to myself.

It bugged me that homes would sit empty for months and even years at a time. The lawn would become overgrown.

A window might leak. Or, vandals would break the windows. Rain would start getting inside the house, thereby causing mold on the walls and ceiling.

The house would get uglier and uglier. As a working short sale realtor, I knew how much this would cause the home’s value to drop.

Most of the homes were in foreclosure. The owners had moved out to avoid being kicked out. But, the banks didn’t take care of the homes.

It bugged me to see these trashed homes come on the market and sell at a substantial discount.

“Those banks are hurting the housing market. Someone needs to do something!” I thought to myself. But, I never did anything about it.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

Apparently this guy did. Mark would find abandoned homes, fix them up, and rent them to needy families.

An old English Common Law principle called “Adverse Possession” would make him the owner of the home after several to a dozen or more years.

Of course, he was responsible for keeping the home up, paying all the property taxes (including past dues taxes), and risking having a former homeowner confront him.

Colorado’s Adverse Possession law would give ownership after 7 years. He thought that law was enough to make what he was doing legal. Apparently not!

According to the article, he now faces up to 15 years in prison. This is after he disclosed what he was doing to everyone.

He mailed the owners of the homes and the banks with the mortgage and told them of his plans. The lease with his tenants disclosed that he wasn’t the legal owner.

And yet, he still faces a prison sentence? Do you think that is fair? I don’t. Please tell me what you think in the comments section below.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 970-690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Colorado loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy

Thanks for reading this, Rob Kittle

Rob is a Real Estate The Kittle Team at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: 970-690-4920. <a href="mailto:RobKittle

We Specialize, You Benefit

View My homes for sale at
www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor

Short Sale Realtor. Fort Collins CO

Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is

not intended as legal, technical, or tax advice. Please speak with a

licensed professional before making any decision. Information is deemed

reliable but not guaranteed as of the date of writing. The views expressed

here are Rob Kittle's personal views and do not reflect the views of

Keller Williams Realty. This information on Fort Collins Short Sales: Saint or Sinner?

You Decide is provided as a courtesy to our viewers to help them make

informed decisions.

Featured Home for the Month of December - 2416 Alpine Ave, Greeley, CO 80631

Looking for a Home in Greeley?

In Northern Colorado we enjoy a unique style of living. It’s inspired by the things that surrounds us, like the colors of nature, our unique landscape and the casual way we like to live and entertain. And here's a home I would like to feature in our blog for this Month of December.

2416 Alpine Ave, Greeley, CO 80631 - $82,000.00 Bedroom(s): 3 Bathroom(s): 1 Garage: 2-Car Attached Year Built: 1999 Total Sq Ft: 992 FEATURES: Forced Air * Cooling - Central Air Conditioning * Window Coverings * Electric Range/Oven * Dishwasher * Double Pane Windows * Eat-in Kitchen * Open Floor Plan * Pantry * Walk-in Closet * Washer/Dryer Hookups * Master Bedroom Bath - Shared Master Bath

Want to buy this house? Need to know more?

Visit our official website www.robkittle.com for more details or CLICK HERE.

“Let Rob and The Kittle Team make this wonderful Home YOURS!”

How GMAC Short Sales Work

Fort Collins CO – GMAC, was the financing arm of General Motors. It was taken over by Uncle Sam and has been mostly privatized as Ally Financial.

However, many people still have loans from the original GMAC. Some of these homeowners want to short sale, but are curious about how it works.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

A GMAC short sale is not too much different from other short sales. To start a short sale with GMAC, first call them at the 800 number on your most recent statement. That number is currently 800-850-4622.

Most of GMAC’s loans have been sold. The first thing you or your short sale realtors should do is find out who owns the loan now.

On our last GMAC short sale, the loan had been sold to a Wall Street “Sliced and Diced” Fund. In this case, that fund made the decision on whether or not to accept the short sale. GMAC was simply handling the file for them.

Another owner of loan might be Fannie Mae or Freddie Mac, both highly controlled by Uncle Sam.

Or, the loans might be owned by a private investor, but insured by VA or FHA. The guidelines to approve a short sale will be set by the owner or insurer of the loan.

For example, FHA allows a homeowner 120 days to successfully short sale their house. FHA will accept a net equal to 88% of an FHA appraisal for the first 30 days.

After 30 days, that number is reduced to 86%. After 60 days, it is reduced again to 84%. So yes, Bank of America short sales are tough.

However, if you know who the investor (or insurer) is on a loan (and their guidelines), it makes it much easier to get a short sale approved. Fannie Mae, Freddie Mac, FHA, and VA own or insure between 60% and 75% of all loans.

If you are thinking of doing a short sale, then make sure your agent understands their guidelines. Their guidelines are all a little different.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 970-690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: 970-690-4920. RobKittle@kw.com.

We Specialize, You Benefit

View My homes for sale at
www.RobKittle.com.

Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on How GMAC Short Sales Work is provided as a courtesy to our viewers to help them make informed decisions.

Fort Collins Short Sales: An Advanced Strategy To Stop Harassing Debt Collector Calls

Fort Collins CO – Many of the short sale sellers we help are selling their home to avoid foreclosure. In addition, they are receiving lots of harassing calls from debt collectors.

These debt collectors seem to think that if you call someone with no extra money, then you can still get them to pay. Here is a little tip on how to stop their phone calls.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

A friend of mine looks for missing people. The database he uses is also a prominent debt collection database. He told me something interesting.

Apparently people are suing debt collectors for breaking Debt Collection Laws all the time. These lawsuits are expensive for them to defend against and easy for the consumer to file.

(I can’t agree more. In my opinion, the debt collectors knowingly break the rules all the time.)

To help debt collectors avoid future lawsuits they now have a field in their search that flags people that have filed lawsuits. They know that if they harass these people, then they are much more likely to get a lawsuit from them.

As you can see, they are scared! In my last blog post I detailed what were, in my opinion, the different violations of the law. You can read more info on the law at this link and see for yourself if a debt collector is violating it.

If you feel they have violated the law, then find a good lawyer to file suit on your behalf. There are many good lawyers who specialize in helping consumers when a debt collector violates the act.

Just Google “Fair Debt Collections Lawyer.” Many can help you at no cost out of your pocket. They will take your case on a contingency basis and get paid from the money they collect from the debt collector.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at RobKittle@kw.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 970-690-4920

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle.

Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: 970-690-4920.
Email Me
We Specialize, You Benefit



Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor Short Sale Realtor. Fort Collins CO Short Sales. Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Rob Kittle's personal views and do not reflect the views of Keller Williams Realty.

This information on Fort Collins Short Sales: An Advanced Strategy To Stop Harassing Debt Collector Calls is provided as a courtesy to our viewers to help them make informed decisions.

Fort Collins Short Sales: How to Stop Harassing Debt Collector Phone Calls

Fort Collins CO – If you are facing financial hardship, then paying credit cards and other unsecured debts is your lowest priority. An unsecured debt is a debt where they can't take away your car or house. A secured debt has something as collateral, such as your car, house, or anything else of value.

The most commons unsecured debt is a credit card. When you stop paying them, they will call you nonstop. The reason is because they don't have any other way to collect from you.

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

They can't come get your car or take your house. So, they make up for that by blowing up your phone with harassing calls. In addition, they use deceptive tricks to get you to pay them.

For example, there are Federal Laws that regulate what they can do or say. They aren't allowed to threaten to sue you, but then not follow thru and actually file suit.

To get around this rule, they will use language that sounds legal, but isn't. In one situation, a debt collector in Buffalo, New York named their firm Hoffman, Weinberg & O'Brien to make it sound like they were a law firm.

They would then leave messages on people's answering machines. They would say they were with the office of Hoffman, Weinberg & O'Brien and then say they may resort to future legal action. In addition, they would reference case number 8306042.

If you didn't know any better, you would think the case number was for an actual lawsuit against you. Scary, right?

Most credit card accounts never sue (despite the constant threats.) Even when they do sue and get a judgment, they rarely ever attempt to garnish wages.

A lot of judgments expire without getting paid. But, a lot of them get paid off when a person's income increases, or that person sells a valuable asset such as a house.

Here is how to stop the harassing calls. Simply ask the person who calls for their fax number or mailing address. Then, fax or mail them a letter that requests them to stop calling you.

Here is some sample language you can put into the letter.

"Under my rights in the Fair Lending Law and the Fair Debt Collection Practices Act, I hereby request you stop any and all phone calls to me or any other person. At this time, I do not wish to speak with you, anyone at your company, or anyone representing you concerning this matter.

Do not contact me by phone regarding this matter. I demand that you stop calling my at home, on my cell phone, at work, at my relatives house, or any other location. Please make any future communication with me in writing.

I am aware of my rights under section 805(b)2 of the Fair Debt Collection Practices Act and am willing and able to exercise them. I am keeping track of all calls from your company and may consider recording calls."

Make sure that when you mail the letter, you send it return receipt requested. If you have access to a fax machine, then fax it out. It's much easier and stops the calls quickly.

Under the Fair Debt Collection Practices Act, a creditor or collection agency that calls you after you request them to stop may be liable for statutory damages up to $1,000 plus any actual damages suffered, plus attorney fees.

Another tactic you can use to shut down any debt collector is to tell them you are recording the call. They back off when they realize they are on tape. You can buy an inexpensive call recorder at Radio Shack or Amazon.com.

Just hook it up to your phone and you're ready to go. In addition, you may want to keep a log of all phone calls from debt collectors. This can be useful if you ever have to go to court.

After reading the Fair Debt Collection Practices Act, in my opinion, the following acts are prohibited:

Violation #1: Call you before 8 AM or after 9PM.

Violation #2: Tell your relatives, family, or friends that you owe them money, or state that they are in the debt collection business when they contact any relatives, family, or friends.

Violation #3: Contact you after you send a written request that they cease further communication.

Violation #4: Contact you after you request they cease.

Violation #5: Threaten you with violence. In addition, they are prohibited from using obscene or profane language.

Violation #6: Publicize a list of people who owe them money.

Violation #7: Cause your phone to ring repeatedly or continuously to annoy you.

Violation #8: Call you without telling you who they are and why they are calling.

Violation #9: Mislead or falsely represent the amount owed, that they are an attorney or law firm, that if you don't pay then you'll go to jail, state or claim that you committed a crime, or threaten to take an action that is not allowed legally.

Violation #10: Not informing you that any information obtained can be used for the purpose of collecting their debt.

Violation #11: Threaten to repossess any property that they legally don't have the right to repossess. I remember hearing a lady calling a national talk show and saying that a debt collector had threatened to repossess her cat.

What is this world coming to?!! That is definitely a violation! Cats, dogs, and children are not normally given as collateral against loans. This isn't the middle ages here!

Violation #12: Threaten to sue you and then not follow thru with it. In addition, they are not allowed to threaten to do anything unless they actually intend to follow thru with it.

There are many good lawyers who specialize in helping consumers when a debt collector violates the act. Just google "Fair Debt Collections Lawyer."

Many of them can help you at no cost out of your pocket. They will take on your case on a contingency basis and get paid from the money they collect from the debt collector.

If you have any specific questions or need help, please give me a call. Remember I'm here to help you in any way that I can.

Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at . I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Fort Collins loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy.

Thanks for reading this, Rob Kittle

Rob is a Real Estate Agent at Keller Williams Realty. Fort Collins Short Sales Realtor:

Phone: . robkittle@kw.com.



Rob Kittle specializes in loan modification assistance and short sales in Fort Collins Colorado. Fort Collins Loan Modification Help, Fort Collins Short Sales. Fort Collins Short Sale Realtor

Short Sale Realtor.
Fort Collins CO Short Sales.
Fort Collins Realtor.

Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Brad Baldwin's personal views and do not reflect the views of Keller Williams Realty.

This information on Fort Collins Short Sales: How to Stop Harassing Debt Collector Phone Calls is provided as a courtesy to our viewers to help them make informed decisions.