Foreclosure Options in Orange County CA

Is your lender calling or mailing you about missed payments?

Fear you may be heading towards Foreclosure?

Would you like to shed your high mortgage payments... but are concerned that you owe more than your home is worth?

What is a short sale?

A short sale is created when the amount of the outstanding loan (or loans) are greater than the value of your home. Short sales are typically caused by prices in a market rapidly declining.

For many homeowners, a short sale is a way to avert the pain and embarrassment of foreclosure or bankruptcy when a sale can be negotiated with your lenders to forgive the difference.

How do I proceed with a short sale?

First, you must determine the true market value of your home. Since hiring a licensed appraiser may not work with your already tight budget, I can research the current market conditions in your neighborhood and determine what your home should realistic sell for.


	Charles Roe is working with sellers, lenders, and buyers daily to successfully short sale homes and provide sellers a fresh start. "Should you have questions regarding foreclosure or what happens during a short sale simply contact me here or e-mail me". Charles Roe 949-370-1311

Next, we'll calculate your closing costs and account for all the additional fees. These will include title report, escrow, property taxes, association fees and sales agent commissions. All tallied, we can create your final total closing costs.

With your approval, I can contact your lender and let them know of your situation. Most lenders have a special department that handles short sales. When we call, we will confirm their specific procedures. You may want to first contact them yourself as some lenders may be able to temporarily decrease your payments or make some other arrangements if you expect your situation to improve. However if you decide to short sale, your lender will have to give their final approval for the terms and sale price as they will be suffering a loss.

Get a Fresh Start

Although most homeowners do not like to confront this situation, thousands of homes are being short sold across the nation weekly and it is a very practical way to shed a high mortgage payment that you may no longer be able to afford.

Charles Roe and his team of specialists are experienced in working through these somewhat complicated transactions. If you are serious about a fresh start, we will smooth away the complexities of short selling to make it easier for you. Short Selling is an important component in addressing the problems brought on the recent housing price declines.

Don't put off the problem - Call Today

If you or someone you know is finding it hard to keep up with mortgage payments, call me today and I will make an appointment to come to your home and review your options.

Charles Roe

949-370-1311

CharlesRoe@LuxuryResortHomes.com