Welcome back and thanks for visiting us today on our website. This entire website is devoted to the house owner who is exploring the options on what you want to do with your house. Whether you are in a position where you can no longer pay for it or are merely no longer want to owe as much as you do against your mortgage and want to strategically default, this website is for you. We hope that you discover a lot of fantastic subject matter here on our website.

Today we want to center on a topic that has become awfully focal in the last couple months. It deals with your funds and the funds that you have in your bank account. There are lenders out there that are going into house owner bank accounts and taking funds to fulfill deliquencies on their house.

Please understand that the mortgage you took out on your house is secured against your residence and your residence only. The exclusion to that regulation is with the bank accounts that are with the same lender that has your mortgage. For illustration, if you have a checking account with Chase and your mortgage is also with Chase, Chase can take funds from your checking account to compensate your mortgage.

We have had several customers approach us regarding this exact topic. If you are taking into consideration a short sale or have missed a payment or two, we would propose that you shift your checking account to another lender. Close your accounts with a lender that has your mortgage.

Because of the checking and savings account agreements they have with you, they preserve the privilege to take funds from your checking account.

Give us a call if you would like more information on this subject or any other subject pertaining to short sales and your options. We have effectively closed several hundred short sales over the previous couple years and we would be grateful for the opportunity to talk with you today.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Avondale – Avoid Foreclosure Arizona

Watch Kevin and Fred, Short Sale Specialists, on the Short Sale Power Hour. Video for Short Sale Specialists.

Hello once again and welcome to our blog. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale realtors. Completing more than 300 short sale deals in the last few years, we are basically the most successful short sale realtors in the Tempe vicinity.

One of the questions that we are asked normally is “what makes us different from other agents? Do we have contacts inside the lender?” A few years ago, we wouldn’t have said that our contacts within the lender were helpful to us. Nevertheless, we have come to appreciate that our contacts have saved a number of deals in the last few years. Our contact with people inside the lenders have helped us defer foreclosure sale dates and get deals approved.

If we require something urgently, we seem to be getting some preferential treatment. Your short sale isn’t going to automatically be approved five times faster than others. Nevertheless, you can rest assured that our team has those key contacts and we recognize how to utilize them.

No matter which lender you are dealing with, Chase, Citi, Wells Fargo, B of A, or any other lender, we’ve worked with each of them. more than 100 banks have worked with us in some way, shape, or form. Every lender operates differently. And likewise, each lender has a vaguely different way of handling short sale packages. Nevertheless, with our skill completing more than 300 short sales in the last few years, we are prepared for each situation.

We would consider it an honor to talk with you soon. We look forward to helping you make a decision regarding your home.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Gilbert – Arizona Short Sale Specialist

Hello and welcome to our website. We are Fred Weaver and Kevin Kauffman, Arizona’s leading short sale realtors. We have closed hundreds of short sales and we would like for you to get in touch with us to hear more.

We wanted to talk to you at present regarding what is going on in the short sale business today. Specifically, can foreclosure sale dates be delayed and as a property owner when should you start working with us in a short sale agreement.

Recently, some of the investors do not want to push back foreclosure sale dates as much as they have in the past. A year ago, if we were talking, I would have informed you that we could get your property on the market and get an offer in 60 days allowing your foreclosure sale date to be delayed. To be truly honest, that is not happening anymore.

If you are in a position where you are 60 or less days from foreclosure, please call us. We are not saying that your property is going to go to foreclosure. Yet, if you haven’t missed a payment thus far or you are only a payment or two behind, please get in touch with us shortly. The earlier you act, the better off you will be. If we have more time, we have a better likelihood to make a positive conclusion for you.

You must make sure that you are working with a proficient group that has relations within the lender and can effectively close your short sale. The lenders do want to help you out, but you have to get in touch with us sooner rather than later.

Thank you for joining us today. Please fill out the form here on our blog so that we can be in contact with you quickly. Have a great day!

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Arizona Short Sale Specialist

Winterizing More Than a Hundred Homes

According to the October 2008 KAALTV article, Winterizing Foreclosed Homes, in Austin, MN a local plumbing company winterized more than 100 homes, and expected things to get busier as foreclosures continue to escalate.

Why Banks Like for Foreclosed Homes to be Winterized

When a home is foreclosed on, it can sit vacant for months – even over a year in this economy. When a home sits vacant, especially during the winter season, pipes can burst causing water to flood.

Even if the water is turned off, the water that sits in the pipes can cause floods or damaging leaks. And, what follows floods and/or water damage? Mold.

Now imagine this sitting for weeks or months with no one being aware of it.

This is why lenders pay plumbing companies, property preservation companies, real estate services enterprises and/or foreclosure cleanup companies to winterize properties. In the long run, it costs them less money.

If you’re a foreclosure clean up company, winterization is an easy service to offer. And, it can be quite lucrative because it is one of those services that banks don’t hesitate to pay for, unlike some other services.

So, you may be wondering, exactly . . .

What Is Winterization?

Basically, winterization is protecting a home while it is unoccupied for long periods of times. A lot of this has to do with preventing water from entering a home and pipes from bursting. Another equally important component is dealing with the heating and cooling system.

Following are some things that should be done to a home during the winterization process.

Shut Off Water: This should be done at the main valve or at the inlet to the meter. Once the water is shut off, the meter should be capped – preferably by a professional – so that it can’t be turned back on.

Drain Water Heater: Remember, even if the water is turned off, if something happens, water left in pipes or a water heater can still cause flooding.

Drain Pipes: For the same reason as above, this should be done.

Open Faucets: This allows them to drain completely.

Drain Toilets: Be sure to get rid of any excess water left in the tanks; wipe them dry.

Turn Off Heating System: If you have an electric system, make sure it’s turned off at the circuit breaker. This prevents the burning up of heating elements.

Turn Off Gas & Electric: Call your local electric company to make sure this is done.

Check for Faulty Faucets and Broken Pipes: If damage is found, make sure it’s repaired so that when water is turned back on, there are no leaks.

This is by no means an exhaustive list, but it gives you an idea of what goes into winterizing a home.

HUD Payment Guidelines: Home Much Do Banks Pay for Winterizing a Foreclosed Home

If you’re a foreclosure cleaning company and want to offer this service, what you will be paid depends a lot on what HUD pricing guidelines are in many cases. This is because many bank-owned properties fall under HUD.

For example, in the state of Georgia, HUD will pay anywhere from $100 to $460 for winterizing a foreclosed home, depending on the type of heat it has (ie, dry heat, steam heat, wet/radiant heat).

As you can see, this can be a very lucrative service for any foreclosure cleaning company to offer – and it shouldn’t take more than a few hours (or less) for a skilled professional to do.

May be reprinted with the following, in full: Learn everything you need to know about how to price winterization services — and how to price foreclosure cleaning jobs in general — in The Pricing Guide for Foreclosure Cleaning & Real Estate Service Businesses: How to Price Jobs for Profit, which can be found at Start-a-foreclosure-cleanup-business.com.

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Hello and welcome to the Group 4610 blog. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale Agents. We have completed more than a few hundred short sale transactions since 2008. With a greater success rate and more experience than just about any other realtor in the Arizona Short Sale world, we are the premier short sale realtors in the area.

We would like to speak about a sensitive issue these days. Should you short sale your property? The strategic default, or as we refer to it, the business decision, is a very hot issue lately. You may be a property owner out there that is upside down on his mortgage. For example, you may owe $400,000 on your mortgage, but your property is only worth $200,000. You may be in a position where you are getting ready to retire or you are preparing to move. Possibly you have the capability to pay your mortgage, but you are doing this at the determent to your family. Essentially, you are throwing money at a bad asset or investment.

We have had lots of people come to us and say ‘What am i doing here? What should i do?’ The short sale, foreclosure, or keep paying the mortgage are all options that property owners are taking into account. We will not tell you what you should do, but you should make the correct decision for you and your family. A lot of people believe that they have a ethical responsibility to make their payments.

While that is a valid line of reasoning, there are some things in your mortgage contract that give you the right to stop making payments. Equally, the bank has the right to foreclose or accept a short sale. You have to evaluate what is most important to you. If that means that you have to walk away from your property with a short sale, you should strongly ponder it.

There are a few things you should always bear in mind. This is a personal decision for you. Do not permit anyone to tell you what is right or wrong. Your mortgage is a agreement that has options for you to contemplate. Look at what your property is worth now. How long will it take you to get your mortgage back to equal? There are consequences to each choice that you have. E-mail us today and we can help you consider those consequences.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Foreclosure Help – Foreclosure Short Sale Phoenix

Welcome to Group 4610’s blog. We are Kevin Kauffman and Fred Weaver, Arizona’s Best Short Sale group. We have closed hundreds of short sales over the past couple years. Still, this video isn’t about us, it’s about you!

One of the regular discussions we have with residence owners is about missing payments. Many of these residence owners are still current on their mortgage payment. Perhaps they haven’t yet experienced the cut in their income or they haven’t entirely exhausted their whole savings account so far. They frequently want to know whether they ought to or ought to not miss payments.

Understand a couple things about short sales. It is feasible to close a short sale without missing payments. Still, with the regularity that short sales are being done, the lenders are not even considering a short sale until the residence owner is missing payments. We believe that the lenders have made that change because they do not want the residence owner to take advantage of a short sale and still avoid the harmful effects of missing payments. Also, it is definitely a way for the lenders to keep short sale numbers down. There isn’t a single bank in the nation that has enough workers to deal with the short sale files they already have.

We are never going to advise you to make or miss your payment. Still, we can tell you that the bank will want to observe you miss some payments before they choose to even look at your short sale. Most of our clients are ok with the credit damage and knowing that they can get back into a residence in a couple years. We will talk about the decisions that are facing residence owners in a future episode.

Fill out the document on our website so a member of our group can have a short talk with you. Thank you for joining us today. We will talk with you again soon.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Short Sale – Short Sale Arizona

We are Group 4610, Arizona’s Best short sale group. Short Sales in Arizona are our thing. We often get questioned about why we are the best short sale realtors in Arizona. Essentially, what seperates us from other realtors in this Arizona short sale market?

I had a recent situation where a pal was going through a short sale and needed some guidance as to what to do with a short sale at Bank of America. I coached her a little bit and gave her some ideas to pass on to her short sale realtor. Essentially, if you are having troubles escalate to someone higher up at the lender.

After getting off the telephone with her, something dawned on me. I should have told her something else. It is not about what we do. Do not get me wrong. We have great techniques and we have great relations inside the lender. When we ask for something, they are conscious of who we are and they act in response to us. This happens because they understand that we complete short sales. We are not there to squander anybody’s time.

Essentially, our accomplishment is a complete product of our mindset. Short sales are thorny transactions. They are not like the traditional real estate dealings. Finding answers to problems, no matter the conditions, is what we do best. Our deepest committment is our target and, in turn, your result.

If you choose to work with us, know that when you enter into a relationship with us we take that very seriously. Our deepest committment is to get your short sale done successfully. We have a mindset that we are going to get the transaction done and help you steer clear of foreclosure. There are troubles that arise in this procedure all the time. Nevertheless, we choose to conquer those troubles.

If you have questions, get them answered here What Is A Short Sale – Short Sale Realtors