Phoenix, Arizona Short Sale
By Phoenix, Arizona Short Sale Expert Cody Sperber
Phoenix, AZ Short Sale Realtor Cody Sperber Helps Homeowners Avoid Foreclosure And Sell Their Home Even If They Have No Equity!
DO YOU NEED SHORT SALE PHOENIX, AZ HELP? SEARCHING FOR A PHOENIX SHORT SALE EXPERT? I AM PHOENIX, ARIZONA'S #1 SHORT SALE REALTOR!
Phoenix Short Sale Realtor Cody Sperber can help you sell your home fast even when you have no equity. A Phoenix Short Sale refers to you selling your home for less than what you currently owe your lender(s) with your lender(s) approval. The Arizona Short Sale Process is very difficult to do, time consuming, and typically takes place after you have missed some mortgage payments. Lender(s) are just realizing that they need a faster process to streamline the short sale process, but as of now it still takes anywhere from 3-7 months or longer! I can help you package, propose, and negotiate your Short Sale Phoenix, AZ from start to finish and get it done in the fastest timeframe possible. I have years of Arizona Short Sale experience, great relationships with most major banks, many happy clients, tons of testimonials, have been working in Arizona's Foreclosure industry for over 5 years, and to top it all of, I am a member of the BBB. I own www.SellQuickForCash.com, www.ForeclosureCounseling.com, www.CodySperber.com, www.ValleyForeclosureSpecialists.com, and www.IShortSaleHomes.com. Calling me at
602-626-3598 for a
FREE FORECLOSURE CONSULTATION IS THE BEST CHOICE YOU CAN MAKE!
Why Would A Lender Accept An Arizona Short Sale?
The lender has to incur expenses to complete an
Arizona Foreclosure
and take the property back. These expenses include attorney fees, court fees, and the lack of income from your monthly payments. Lenders also face unforeseen losses from damage to the property, vandalism if the property is vacant and then the additional costs of selling the property. Along with the expenses comes the risk of the property depreciating further, and having to hold the property on the books for an undetermined amount of time. Having a non-performing asset on their books prevents them from lending out more money that will produce a return. Plus, banks are not in the business to own real estate. They have to take back, inventory, and then hire a REO Realtor to list the property for retail on the open market. We all know how horrible the real estate market is right now and therefore they end up holding the property for many months, and then fire selling it for a loss anyways! Plus, if the homeowner leaves the property and it is left vacant, many times the property is vandalized and becomes more costly and harder to sell! Lastly, statistics show that in almost 50% of homes that go to foreclosure, just before the foreclosure sale, the old homeowners gut the house and sell all the items as a way to “get back” at the lender(s). This is illegal but nonetheless happens on occasion. Many lenders are tired of taking back trashed homes and choose to short sale instead. So basically, in most instances, a short sale is less expensive than the
Arizona Foreclosure Process
so lenders choose to cut their losses early. This is why an
Arizona Short Sale
is accepted by a bank!
A Short Sale Phoenix, AZ is NOT a Foreclosure! There will be no foreclosure on your record if we are successful with your Arizona Short Sale. You only have one shot to get this done right and that is why you want to hire an Arizona Short Sale Realtor with REAL Arizona Stop Foreclosure experience. Credit might not be that important to you right now, but imagine having a bankruptcy or foreclosure on your record 5 years from now when you are trying to buy a new car....trying to get a credit card....trying to buy a new home! A short sale is an amazing exit strategy and will NOT show up on your record as a foreclosure. Plus, with a little bit of Credit Repair, you can even have your late payments removed and back into a new home within two years!
What If I Want To Keep My Phoenix, AZ Home? Tell Me About An Arizona Loan Modification!
A Loan Modification Phoenix, AZ is where our in house attorney's along with our professional loss mitigation negotiators adjust your current loan terms resulting in a lower monthly payment. This will allow you to keep your Phoenix, AZ home and avoid a Phoenix Short Sale and a Foreclosure! A Loan Modification can be done as long as you have a mortgage with a high interest rate that is either interest only or adjustable, and verifiable monthly income. Our whole goal is to be able to prove to your lender(s) that you can afford your new low monthly payment! Our in house attorney's conduct Forensic Loan Audit which uncover any predatory lending violations that may have occurred during your loan origination. This gives us the legal "teeth" needed to be able to achieve a principal balance reduction, lower your interest rate, or extend out the length of your loan!
SAVE YOUR HOME AND LOWER YOUR MONTHLY PAYMENTS WITH OUR LOAN MODIFICATION PROGRAM TODAY!
