Cash For Houses. We Buy Ugly Homes. We Buy Houses Fast. Sell Your House Fast For Cash!

Sell Your House Fast. No Commissions, No Appraisals, No Inspections. We Buy Any Home, Any Condition, in the USA for Cash.

We Buy Phoenix AZ Homes Fast. Cash For Phoenix Homes.

We Buy Phoenix AZ  Homes Fast. Cash For Phoenix  Homes.

Any Phoenix, AZ  Home. Any Condition. No Fees. Phoenix AZ  Foreclosure Help.

Call Now To Sell Your AZ  Home Fast, For Cash!
480-227-5214
Or visit our We Buy Homes For Cash web site by clicking here

We specialize in buying homes in the Phoenix metro area and all of Arizona
NO FEES, NO COMMISSION, NO CLOSING COSTS

“I had a home in Denver that I needed to sell fast. I didn’t want to wait with a Realtor. I found Allhomesaz.com on the internet – their program was great. No fees, no commissions, and no closings cost.” -Mike J. Denver, CO.

We buy homes in “as is” condition, so you don’t need to make repairs. We can close in as little as 3 days (certain restrictions apply). We pay with cash – we can close fast or at a date that works best for you

We buy homes for any reason – bad investment, bankruptcy, need a fast cash offer, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!

Even if you owe more than your home is worth, we can help. We offer expert Arizona short sale assistance.

We buy homes with little or no equity

We are long time members of the Better Business Bureau and maintain an excellent standing

Fill out the contact form on our main site by clicking here. Or give us a call. We are open 24 hours a day, 7 days a week

We specialize in the Phoenix  metro area, which allows us to give you the highest cash for houses offers available.

How It Works

AllHomesAz.com will make you an offer on your home within 24 hours, providing you with the fastest cash possible. We live and work in Arizona, therefore we respond faster than other “national” companies.

AllHomesAz.com will not ask you to “list” your home, we will buy it directly from you. We will set up a closing date that works best for you.

Advantages for selling your home through AllHomesAZ.com:

* There are no fees, no commissions, and no contingencies with our process.
* We will pay for your closing costs.
* You can call us 24 hours a day, 7 days a week.
* We will give you a fair and honest price.
* Our advice/consultation is free.
* We will buy your home “as-is”.
* We will buy your home for any reason – bad investment, bankruptcy, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!
* We can provide several solutions to your problem, giving you extra time to move and possibly remain in the house as a tenant.
* We will buy almost any single family home, apartment, condo, town home, etc. All information provided by you and all transactions are held in complete confidentiality.

Call Now To Sell Your AZ Home Fast, For Cash!
480-227-5214
Or click here to complete our online form

Phoenix AZ Homes For Cash Testimonials

I saw your TV commercial and called immediately. The staff at AllHomesAZ.com was able to make me a cash offer later that day. I didn’t have the time to wait the 10-11 months with a realtor and pay all of the fees and commissions. And I definitely didn’t have the $4000-$5000 needed to fix up my home. Your company bought my home “as-is” and was a pleasure to work with. I would recommend your services to anyone.
Thank you so much!
Kathy S.
Scottsdale, AZ

After falling behind on payments, I began to get nervous about foreclosure. I tried to sell my home with a realtor for 10 months but had no luck. Your company was able to make me a fast cash offer and close on my home within 4 days. AllHomesAZ.com saved my credit and the equity in my house from foreclosure. But most of all, your company saved my family. I am forever grateful!!
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Robert D.
Phoenix, AZ

The convenience of your home buying program was great. My home needed several repairs that I didn’t want to deal with. Furthermore, I had moved out creating a vacant home. I started to worry about the neighborhood kids going into my home and destroying it. Then my home owner’s insurance company called. They told me that they wouldn’t insure a vacant home. That’s when I called AllHomesAZ.com. They made me a fair cash offer, bought my home as is, and closed fast. The process was so easy. The stress is gone and I can now get on with my life.
Thanks Allhomes,
Marsha W.
Glendale, AZ

We purchased a new home in September and planned on having our old home sold within 60 days. Paying two mortgages for 5 months became very expensive. Fortunately we saw AllHomesAZ.com’s advertisement on the internet. They were very prompt and courteous. The staff was able to make us a cash offer with no fees or commissions in the same day. I felt confident going with AllHomesAZ.com over a national company due to their professionalism and understanding of homes in Phoenix. My family and I thank you very much.
Mike L.
Phoenix, AZ

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We Buy Colorado Homes Fast. Cash For CO Homes

We Buy Colorado Homes Fast. Cash For CO Homes
Any Colorado Home. Any Condition. No Fees.  Colorado Foreclosure Help.

Call Now To Sell Your CO Home Fast, For Cash!
303-810-8377 or 480-227-5214
Or visit our We Buy Homes For Cash web site by clicking here

We specialize in buying homes in the Denver metro area and all of Colorado
NO FEES, NO COMMISSION, NO CLOSING COSTS

“I had a home in Denver that I needed to sell fast. I didn’t want to wait with a Realtor. I found Allhomesaz.com on the internet – their program was great. No fees, no commissions, and no closings cost.” -Mike J. Denver, CO.

We buy homes in “as is” condition, so you don’t need to make repairs. We can close in as little as 3 days (certain restrictions apply). We pay with cash – we can close fast or at a date that works best for you

We buy homes for any reason – bad investment, bankruptcy, need a fast cash offer, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!

Even if you owe more than your home is worth, we can help.  We offer expert Denver short sale assistance.

We buy homes with little or no equity

We are long time members of the Better Business Bureau and maintain an excellent standing

Fill out the contact form on our main site by clicking here. Or give us a call. We are open 24 hours a day, 7 days a week

We specialize in the Denver metro area, which allows us to give you the highest cash for houses offers available.

How It Works

AllHomesAz.com will make you an offer on your home within 24 hours, providing you with the fastest cash possible. We live and work in Arizona, therefore we respond faster than other “national” companies.

AllHomesAz.com will not ask you to “list” your home, we will buy it directly from you. We will set up a closing date that works best for you.

Advantages for selling your home through AllHomesAZ.com:

* There are no fees, no commissions, and no contingencies with our process.
* We will pay for your closing costs.
* You can call us 24 hours a day, 7 days a week.
* We will give you a fair and honest price.
* Our advice/consultation is free.
* We will buy your home “as-is”.
* We will buy your home for any reason – bad investment, bankruptcy, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!
* We can provide several solutions to your problem, giving you extra time to move and possibly remain in the house as a tenant.
* We will buy almost any single family home, apartment, condo, town home, etc. All information provided by you and all transactions are held in complete confidentiality.

Call Now To Sell Your CO Home Fast, For Cash!
303-810-8377 or 480-227-5214
Or click here to complete our online form

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How to Succeed at Short Sales

How to Succeed at Short Sales

Unfortunately, short sales are a reality for home owners who owe more than their property is worth. If you have patience, persistence, and a knack for problem-solving, this niche could be for you.

To help you gain a better understanding of short sales and what it takes to specialize in this growing area, we took a look at some of the most common questions on this topic that you likely will face today. Armed with this information, you can decide whether short sales are an avenue worth exploring for your business.

What is a short sale?

A short sale occurs when the net proceeds from the sale of a home are not enough to cover the sellers’ mortgage obligations and closing costs, such as property taxes, transfer taxes, and the real estate practitioner’s commission. The seller is unwilling or unable to cover the difference.

Some — although by no means all — short sellers may also be in default on their mortgage loans and be headed for foreclosure. However, home owners who bought at the top of the market or who took out large amounts of equity with a refinance and who now need to sell because of divorce or job transfer may also find themselves upside down, owing more than the home is currently worth when closing costs are factored in.

Other sellers simply don’t understand that if they have assets, such as stocks or a high-salaried job, a lender is not going to let them just walk away from a short sale without signing a note to repay what they owe, says Steve White, broker with Keller Williams VIP Properties, Santa Clarita, Calif.

How do I know it’s short?

A CMA will be your first indicator, but you also need to ask the seller what their outstanding debt is and calculate the cost associated with a sale

Check with the title company and the lender to get exact figures on closing costs and loan balances and to find out what procedures they have in place. If they can afford it, sellers should also consider getting a home inspection to determine what repairs are needed on a home and how this might affect its value, says White.

Who do I and the seller need to talk to about the problem?

If there are a first and second mortgage or a home equity line of credit, you may have to talk to more than one lender to get approval for a short sale. In addition, you may also need approval from the entity that holds the pool of loans if the mortgage has been securitized.

“The presence of two lenders makes a short sale more complicated since it’s often the lender holding the second, or junior, mortgage that has to absorb most of the loss.

Opinions differ, but most experts suggest that you let the lender involved know as soon as possible of the potential short sale. Others say you should wait until you have an offer because you’ll get no action until then. Without a viable purchase offer, your deal won’t be considered by mortgagees.

Tip: Be sure you contact the bank’s loss mitigation department, which will be the group to decide whether to accept a short sale, rather than the collection or customer service department, which is only interested in recouping past due loan payments. Finding the decision maker is often one of the biggest initial challenges in a short sales.

What information will the bank need to decide whether to accept a short sale?

The sellers’ submission package should include W-2 forms from employers (or a letter explaining the seller is unemployed), bank statements, two years of tax returns, and other financial documents outlining income and debt obligations. The bank will also need comps or a broker’s price opinion showing your estimate of value.

In addition, the sellers should submit a “hardship letter,” explaining the circumstances that make it impossible for them to pay the full amount of the loan. The seller needs to be able to show true financial hardship. Someone with the assets or the income to pay is unlikely to be considered, say most interviewees.

Tip: In preparing the package, be careful about discrepancies between the seller’s income and the income used to obtain the loan, cautions Lance Churchill, an attorney and instructor on short sales and REOs with FrontLine Seminars. A big gap may indicate mortgage fraud, unless employment circumstances have drastically changed.

What are the options besides a short sale?

Thanks to programs such as those proposed by Fannie Mae and Freddie Mac to assist subprime borrowers, many lenders are more willing to offer loan modification options. This option can extend the term of the loan, add on delinquent payments to the loan principal, and/or reduce the interest rate to make the loan more manageable for the home owner.

Another option is a repayment plan that requires home owners to increase their monthly payments until the loan is current, says Loni Parmelly, a real estate practitioner and consultant who specializes in short sales. Parmelly also is author of Success in Short Sales (2004), a book she sells on her Web site. It may be possible to refinance an adjustable rate loan with a Federal Housing Authority or conventional fixed loan. Note that lenders will not postpone a foreclosure just because a property is listed, although they may postpone if you have a reasonable offer in the works.

Tip: The ideal candidate for a short sale is still making loan payments and has a credit rating worth preserving. Otherwise, it may not be worth going through the complicated process, says Steve Pierce, broker and operating principal of Keller Williams Benchmark Properties, Fremont, Calif.

How should I price a short sale property?

In general, most short sale experts say to price the property at or near fair market value, although a few will begin with the total payoff amount owned by the seller. How frequently prices are dropped will depend in part on whether the property is in preforeclosure. Most banks have a formula for what percentage under market value they will accept, say interviewees. Figures cited vary from 8 percent under to almost 20 percent under.

“I always price the property 10 percent lower than comparable to peak buyer interest and initiate buyer activity,” says Cole-Murphy, who’s also founder and curriculum developer for Real Estate Pro Guides, a line of educational books for practitioners. However, it’s important for buyers to understand that the bank will not give away the property, she says.

Tip: Most lenders will want to get a broker’s price opinion or even an appraisal to see what the property is worth before you and seller set a list price. One way to help ensure that the bank’s estimate of value is realistic is to offer comps of recent sales — both traditional and REO, says Churchill, who is also the author of The Foreclosure Specialist: A Real Estate Agent’s Complete Guide on Working in the Foreclosure Market (Valco Press, 2007).

“Practitioners who do BPOs are rated in part on how close their estimates are to the final sale price, so they usually welcome information on legitimate comps,” he says.

What and how should I disclose about the short-sale property to prospective buyers?

Opinions vary on this topic, although most experts favor disclosing that a property is a short sale in the comments section of the MLS listing. Others suggest waiting to disclose the need for lender approval of the sale until a buyer is ready to make an offer.

Tip: Watch out for unethical investors who will try to convince an owner facing foreclosure to sign a quit-claim deed for the property, and then lease the property, warns Jim Cacioppo, broker/owner of Grand Realty Group. Grayslake, Ill. In such cases, the former owners will still be liable for the mortgage payments, even though they no longer own the house.

How long does it take to complete a short sale?

Although response times vary from lender to lender, it can take two weeks or as long as 60-90 days to receive an approval of a short sale from a lender. That’s why it’s critical that buyers and their representative understand and accept that time frame before they make an offer.

Tip: Keep in mind that the purchase contract on a short-sale property is a legally binding agreement once the earnest money has been deposited. Without language in the contract stating that the lenders must approve the offer and release all liens on the property, the seller may face a legal problem for failing to execute the contract if the short sale is not approved, says Hollingsworth.

What can the seller do to make a short sale more attractive to a lender?

Getting a lender to approve a short sale is primarily a question of economics. You have to provide hard numbers to show that the amount of money a bank will realize on the short sale is better than the amount it may recoup from foreclosing on the property and selling the property as an REO, says Todd Ruckle, ABR, RE/MAX Associates Inc., Newark, Del.

A 2002 study by Craig Focardi of the Tower Group estimated that the entire cost of a foreclosure was $58,759 and took 18 months. Other factors that can influence a bank’s decision include the liability risk it assumes by owning the property after foreclosures, the money tied up during the holding period for a foreclosure and REO resale, additional costs associated with an REO such as attorneys’ fees, and the additional reserves it will need if REOs rise in the bank’s portfolio.

Tip: A buyer that is willing to close in 30 days and who can make a substantial down payment may make the deal more attractive than a buyer who wants 95 percent financing, notes Michael Termine, GRI, CRB, associate broker, Prudential Rand Realty, New York City. All buyers should be preapproved for a mortgage before submitting the offer.

However, to avoid unnecessary costs, buyers should wait on having a home inspection and an appraisal for the loan until after the bank has accepted the short sale proposition, say Cole-Murphy. Genuine hardship, such as a lost job or high medical bills from an illness may also have an influence, says Covello.

What are the seller’s options if a short sale is rejected by the lender?

There are a variety of reasons a bank will reject a short sale — from too low a price to too many files on the loss mitigator’s desk. You can look for another buyer or even try resubmitting the same contract. “Banks don’t want to take properties back in foreclosure, so they are going to do everything they can to make it work,” says Pierce. You also need to prepare your seller in advance for the possibility of foreclosure if a short sale fails, says Parmelly.

Tip: A short sale might be rejected if the loan is less than a year old. In such cases, the servicer that’s bought the loan can often require the original lender to buy it back, says Hollingsworth.

What financial or credit liabilities will a seller have as a result of a short sale?

Many lenders ask sellers to sign a promissory note for all or part of the difference between the proceeds of the short sale and the debt obligation as a condition to a short sale. In such cases, the note gives lenders the right to sue a seller and attach other assets if the note is not paid when due.

It’s particularly important to understand this distinction if you work in states such as California that have a nonrecourse mortgage, says Churchill. In such states, the lender cannot pursue a deficiency judgment against a seller for any deficiencies after a property is foreclosed. Because of this distinction, sellers who are already in default on a mortgage and do not have the resources to pay off a separate promissory note after a short sale might be better off letting the lender foreclose, he says. If you are working in a state in which mortgage loans are nonrecourse, be sure and alert your seller-clients to this distinction.

Tip: Having a portion of a loan forgiven may have an adverse affect on the seller’s credit. Encourage your client to try and sign a lease on an apartment before credit is further damaged, suggests Roberta Murphy, an associate broker with Windermere Exclusive Properties, San Diego.

What tax liabilities will a seller have as a result of a short sale?

One often overlooked aspect of short sales is that a seller must count any amount forgiven by the lender as income and pay taxes on that income, even if no actual money was received. The IRS requires lenders to submit a Form 1099 stating the forgiven amount. Sellers who meet the Internal Revenue Service definition of insolvency (either in bankruptcy or with debts exceeding assets) will not have to pay taxes on the forgiven amount.

AllhomesAZ.com has a team of Arizona short sale experts and Phoenix short sale experts who have established relationships with banks.  We will handle your Arizona short sale transaction for you.  The AZ short sale process is NOT a “do it yourself” project.  To successfully negotiate an Arizona short sale or Phoenix short sale with a bank takes an experienced and highly trained real estate agent and staff.  Please provide your contact information by clicking here and one of our highly-trained Arizona short sale experts will be in touch with you shortly.  The more info you can provide, the better we will be able to help you with your AZ short sale.  All info provided by you will be held in complete confidentiality.

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7 Short Sale Myths

A short sale of your Phoenix metro area home, or any home in the USA can be an excellent solution for a homeowner who owes more on their home than what it is worth and has to sell. Unfortunately a number of myths about short sales have developed and it is important you understand the reality of this process if this is a solution that you feel meets your current needs.

1. Short Sales are Impossible and Never Get Approved
Nothing could be further from the truth!

• Are short sales more difficult? Yes.
• Do you need to learn a new process? Yes.
• Are they impossible? No, No, No!

2. Banks are Not Accepting Short Sales; They are Waiting on a Bailout
Really? You may have heard this; the reality is that banks (and the government) are trying to do anything they can, within reason, to avoid foreclosing on property. To think that they would deny a Short Sale in hopes that some future legislation will pass and pay them for their loss is preposterous.

The reality is that more banks are aggressively pursuing Short Sales and agents  who understand how to process them. Freddie Mac recently hosted a national training webinar for real estate agents where they expressly stated the organizational goal of “eliminating distressed assets through modification or short sale”.

3. You Must be Behind in on your Mortgage in Order to Negotiate a Short Sale

While it is true that initially some lenders wanted you to be in default (missed a payment) before they were willing to consider a short sale – this trend has almost all together reversed. Today lenders are looking for verifiable hardship, monthly cash flow shortfall or pending shortfall and insolvency.

If you meet these three requirements and are in a position where you will soon not be able to afford your mortgage, act now! Don’t wait until the countdown clock to foreclosure has started and you have even less time left.

4. Buyers are Not Interested in Short Sales and Avoid Them

This is a myth that potential sellers hear all the time – thankfully the reality is that today it is not. In fact many agents are getting calls from buyers who say “I only want to look at foreclosures and Short Sales!”

Short Sales and Foreclosures have become synonymous – not with issues – but with GOOD DEALS. International buyers specifically are interested in these properties.

5. Listing my Home as a Short Sale is an Embarrassment

It is understandable that you may have reservations about letting the world know that you owe more on your home than it is worth however, understand that according to recent estimates, 1 out of 5 homeowners in the US is in your exact situation. You are to be congratulated for admitting you need help, taking action, and finding a professional who can work with you towards a solution.

With 40 to 60% of the sales in the US predicted to be Short Sales or foreclosures you are not alone!

6. The Bank Would Rather Foreclose than Bother with a Short Sale

We know you have heard this; you may have even heard it from an overzealous collections agent working for a lender. The reality is that banks do not want to foreclose on your property. Banks, investors and event the federal government have all publicly said that if a person is qualified for a short sale the deal needs to be considered.

The qualifications are:

A. Financial Hardship – There is a situation that is causing you to have trouble affording your mortgage.
B. Monthly Income Shortfall – You have more month than money! A lender will want to see that you cannot afford or will not be able to afford your mortgage soon.
C. Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

7. There is not Enough Time to Negotiate a Short Sale Before My Foreclosure

This is a myth that probably hurts homeowners the most. Many don’t realize that foreclosure is a process and there is time.

The foreclosing party (in most cases a lender) can stall a foreclosure up to the final day of the process. These days many lenders will stall a foreclosure with as little as a phone call from you letting them know that you are trying to sell. Almost all lenders will stall a foreclosure with a legitimate contract, in our view there is time until the foreclosure process is complete.

Did you know that can sell your home through a short sale even if you have no equity or owe more than what it’s currently worth?

Our service to you is completely free.

Don’t fall victim to paying $500 to $1000 upfront from other Phoenix short sales companies.

We have helped numerous homeowners in the Phoenix area. Even if you are not behind on payments but feel that you can no longer afford the home, we can help.

Most homeowners never realize that a short sale in Phoenix can be completed through their bank and their credit can be saved.  We can stop your foreclosure and save your credit.  Our service to you is completely free.  Check out our excellent standing with the Better Business Bureau.  Read below for more info.

Do you owe more than your home is currently worth?  Is your home loan amount equal to or higher than your current home value? Are you behind on payments, or realize that you can no longer afford your home?  If this is your situation, you may want to consider an Arizona short sale.

Selling a home that has a loan higher than it’s worth is extremely difficult, if not impossible.  Who would want to pay above the true value of a home?  If this sounds like your situation, please read further. We can help.  Or simply fill out your info to the right and we will contact you shortly.

Usually when a homeowner owes more than the home’s current market value and can no longer afford the home, they are left with two choices: 1. Lose the home to foreclosure due to no one wanting to buy an overpriced home;  2. Negotiate an AZ short sale with the bank to ensure the home sells before foreclosure.

Obviously no homeowner wants to lose their home to foreclosure.  People who let their home go to foreclosure typically destroy their credit for 7 years.  A foreclosure on a credit report will make it nearly impossible to buy another home for at least 7 years. So what is an Arizona short sale or a short sale in Phoenix?  An Arizona short sale or AZ short sale is when the bank is willing to take a lesser amount of your home’s loan in order to sell your home and stop foreclosure.

For example: Your home’s current market value is $200,000 and your loan amount for your home is $215,000.  No one will want to buy your home for $215,000 because the real value is $200,000. The bank then realizes they must lower the amount owed to $185,000 (this number varies) so the home can sell.  This is just a simple example.  Home prices and loan amounts will vary.  Arizona short or short sale in Phoenix amounts will vary as well.

So why is an Arizona short sale better than foreclosure?  An Arizona short sale is a win/win solution for everyone.  Obviously the homeowner does not want a foreclosure on their record.  The bank definitely does not want to take the home back through foreclosure due to the large expenses and long waiting period.  So if the homeowner can complete an Arizona short sale, they will have successfully sold their home without losing the home through foreclosure, thus saving their credit.  And the bank will be satisfied due to not having to foreclose on the home, and saving time and money.

Homeowners desiring to do an Arizona short sale or short sale in Phoenix usually must show to the bank: (AZ short sale processes will differ with each bank)

* Financial hardship
* Loss of job
* Divorce
* Medical conditions or large medical bills
* Behind on payments

Every bank is different in the requirements for homeowners looking to do an Arizona short sale.  Each bank will have a different set of rules regarding an Arizona short sale, AZ short sale, or Phoenix short sale.

AllhomesAZ.com has a team of Arizona short sale experts and Phoenix short sale experts who have established relationships with banks.  We will handle your Arizona short sale transaction for you.  The AZ short sale process is NOT a “do it yourself” project.  To successfully negotiate an Arizona short sale or Phoenix short sale with a bank takes an experienced and highly trained real estate agent and staff.  Please click her to provide your contact information and our highly-trained Arizona short sale experts will be in touch with you shortly. The more info you can provide, the better we will be able to help you with your AZ short sale.  All info provided by you will be held in complete confidentiality.

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Phoenix AZ Short Sales Help. Stop Foreclosure

Short sales experts – We’ll get your home sold, save your credit and stop foreclosure

480-227-5214

Did you know that you can stop foreclosure and sell your home through a short sale with your bank – it’s never too late!

Did you know that can sell your home through a short sale even if you have no equity or owe more than what it’s currently worth?

Our service to you is completely free.

Don’t fall victim to paying $500 to $1000 upfront from other short sales companies.

We have helped numerous homeowners in the Phoenix area. Even if you are not behind on payments but feel that you can no longer afford the home, we can help.

Most homeowners never realize that a short sale in Phoenix can be completed through their bank and their credit can be saved. We can stop your foreclosure and save your credit. Our service to you is completely free. Check out our excellent standing with the Better Business Bureau. Read below for more info.

Do you owe more than your home is currently worth? Is your home loan amount equal to or higher than your current home value? Are you behind on payments, or realize that you can no longer afford your home? If this is your situation, you may want to consider an Arizona short sale.

Selling a home that has a loan higher than it’s worth is extremely difficult, if not impossible. Who would want to pay above the true value of a home? If this sounds like your situation, please read further. We can help. Or simply fill out your info to the right and we will contact you shortly.

Usually when a homeowner owes more than the home’s current market value and can no longer afford the home, they are left with two choices: 1. Lose the home to foreclosure due to no one wanting to buy an overpriced home; 2. Negotiate an AZ short sale with the bank to ensure the home sells before foreclosure.

Obviously no homeowner wants to lose their home to foreclosure.
People who let their home go to foreclosure typically destroy their credit for 7 years. A foreclosure on a credit report will make it nearly impossible to buy another home for at least 7 years. So what is an Arizona short sale or a short sale in Phoenix? An Arizona short sale or AZ short sale is when the bank is willing to take a lesser amount of your home’s loan in order to sell your home and stop foreclosure.

For example: Your home’s current market value is $200,000 and your loan amount for your home is $215,000. No one will want to buy your home for $215,000 because the real value is $200,000. The bank then realizes they must lower the amount owed to $185,000 (this number varies) so the home can sell. This is just a simple example. Home prices and loan amounts will vary. Arizona short or short sale in Phoenix amounts will vary as well.

So why is an Arizona short sale better than foreclosure? An Arizona short sale is a win/win solution for everyone. Obviously the homeowner does not want a foreclosure on their record. The bank definitely does not want to take the home back through foreclosure due to the large expenses and long waiting period. So if the homeowner can complete an Arizona short sale, they will have successfully sold their home without losing the home through foreclosure, thus saving their credit. And the bank will be satisfied due to not having to foreclose on the home, and saving time and money.

Homeowners desiring to do an Arizona short sale or short sale in Phoenix usually must show to the bank: (AZ short sale processes will differ with each bank)

* Financial hardship
* Loss of job
* Divorce
* Medical conditions or large medical bills
* Behind on payments

Every bank is different in the requirements for homeowners looking to do an Arizona short sale. Each bank will have a different set of rules regarding an Arizona short sale, AZ short sale, or Phoenix short sale.

AllhomesAZ.com has a team of Arizona short sale experts and Phoenix short sale experts who have established relationships with banks. We will handle your Arizona short sale transaction for you. The AZ short sale process is NOT a “do it yourself” project. To successfully negotiate an Arizona short sale or Phoenix short sale with a bank takes an experienced and highly trained real estate agent and staff. Please provide your contact information and one of our highly-trained Arizona short sale experts will be in touch with you shortly. The more info you can provide, the better we will be able to help you with your AZ short sale. All info provided by you will be held in complete confidentiality.

Phoenix short sales experts – We’ll get your home sold, save your credit and stop foreclosure
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How to Sell Your Home Fast. We Buy Homes For Cash.

AllHomesAz.com will make you an offer on your home within 24 hours, providing you with the fastest cash possible. We live and work in Arizona, therefore we respond faster than other “national” companies.

AllHomesAz.com will not ask you to “list” your home, we will buy it directly from you. We will set up a closing date that works best for you.

Advantages for selling your home through AllHomesAZ.com:

* There are no fees, no commissions, and no contingencies with our process.
* We will pay for your closing costs.
* You can call us 24 hours a day, 7 days a week.
* We will give you a fair and honest price.
* Our advice/consultation is free.
* We will buy your home “as-is”.
* We will buy your home for any reason – bad investment, bankruptcy, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!
* We can provide several solutions to your problem, giving you extra time to move and possibly remain in the house as a tenant.
* We will buy almost any single family home, apartment, condo, town home, etc. All information provided by you and all transactions are held in complete confidentiality.

We buy homes, ugly homes, any home for cash fast  in all 50 states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Call today! Call 480-227-5214 or visit Our We Buy All Homes web site

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Sell Your House Fast! No Commissions, No Appraisals, No Inspections

Sell Your House Quickly! No Commissions, No Appraisals, No Inspections!

Once you have contacted us, we will come to your house and assess its value. We can make you a cash offer for your home within 24 hours. Why wait 6 months listing your home with a Realtor, when we pay cash for houses? Since we buy houses for cash, we can close in as little as 3 days. Call 480-227-5214 today! Or visit our We Buy Homes fast web site

We Are Members of The Better Business Bureau

We are members of the Better Business Bureau and maintain a good standing. We encourage you to verify our history with the BBB.  We are not a national company who simply sells your information to individual investors. We live and work in the Phoenix area.  If you are wondering how we buy houses for cash, or have questions about how we pay cash for homes, please give us a call at 480-227-5214.

We pay cash for homes in the USA and located in Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, Ahwatukee, Glendale, Peoria, and Paradise Valley.

Advantages for selling your home through AllHomesAZ.com:

* There are no fees, no commissions, and no contingencies with our process.
* We will pay for your closing costs.
* You can call us 24 hours a day, 7 days a week.
* We will give you a fair and honest price.
* Our advice/consultation is free.
* We will buy your home “as-is”.
* We will buy your home for any reason – bad investment, bankruptcy, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!
* We can provide several solutions to your problem, giving you extra time to move and possibly remain in the house as a tenant.
* We will buy almost any single family home, apartment, condo, town home, etc. All information provided by you and all transactions are held in complete confidentiality.

We offer fast cash for homes  in all 50 states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Since we buy houses for cash, we can close in as little as 3 days. Call 480-227-5214 today! Or visit our We Buy Homes fast web site

We Buy Your House For Cash!
We buy houses for cash. We buy ugly homes

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Expert Home Loan Modification Help

How would you like to save $500, $700, or even $1000 or more per month with your monthly mortgage payment?

Did you know it’s possible to slash your mortgage interest rate and lower your principal balance?

If you are struggling to make your monthly payment or owe more than your home is currently worth, a loan modification may be the smart choice for you. Even if you have bad credit, we can help! Call Today! 480-227-5214

A mortgage loan modification or “ loan mod “ is defined as modifying or changing the terms and conditions of your home mortgage.

You’re seconds away from possibly saving tens of thousands of dollars on your mortgage payments.

Our experts specialize in modifying and negotiating better terms for homeowners on home mortgages across the country. Furthermore, we have an outstanding 4 year history with the Better Business Bureau.

Whether your payments are current, or foreclosure is just around the corner for you, a loan modification could get you back on track with affordable mortgage payments and keep you in your home.

The advantages of home loan modifications include:

* Lower monthly payments
* Lower principal balance
* Lower interest rate
* Staying in your home
* Avoiding foreclosure
* Loan Mod does not affect your credit

STOP!
Do not say or send anything to your lender! There are detailed blueprints that you must follow before attempting a home loan modification.

It’s possible to negotiate with your lender, but going about this process the wrong way without expert guidance can permanently eliminate your chances of ever receiving a mortgage loan modification. There are no second chances or second attempts! You only get one chance to do it right!

We are the only Loan Modification company that utilizes proprietary software to greatly increase the chances of successfully modifying your loan. Don’t pay thousands of dollars to mortgage loan modification companies or attorneys who don’t understand how this process works.

Federal loan modification is in the near future. Now is the time to act!

We offer expert federal loan modification services with all banks across the United States. Below are just a few of the many that we have worked with:
Countrywide, Wells Fargo, Chase, Aurora, Bank of America, Wamu, Wachovia, US Bank, Ever Bank, Ocwen, GMAC, First Horizon, Argent and many, many more.

We offer home loan modification services in all 50 states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Call Today! 480-227-5214  Or click here to visit our web site for loan modification  information

Want to sell your home fast for cash? AllHomesAZ.com buy’s homes anywhere in the United States with a focus in Phoenix, Scottsdale, Tempe, Mesa, West Valley, & East Valley, Arizona. We also focus in the Denver, Colorado area. – We Buy Homes Arizona

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We Buy Ugly Houses. Cash for Phoenix and USA Homes

We Buy Ugly Houses in Phoenix and The USA!

Do you have a home in need of repairs? Are you planning on selling this home? Don’t waste your time and money trying to fix it up! We buy ugly houses in Phoenix, AZ and any USA State . We buy ugly houses in Phoenix, AZ and across the USA  with no commissions, no fees, no closing costs and no appraisals.

With all of the doom and gloom real estate news taking place, why deal with the headaches of trying to sell a house? Even realtors need around 6 months to sell homes on the mls. We pay with cash so we can close fast. In fact, we have successfully closed on tons of homes in as little as 5 days.

We buy ugly houses in Phoenix, AZ and all 50 States, but we also buy homes in excellent condition too. Visit our We Buy Ugly Houses Phoenix program at

http://www.allhomesaz.com/ugly_houses_phoenix.html

Our process is fast and easy. Just give us a call at 480-227-5214  or fill out the contact form on anyone of our webpages. We will be in touch with you the same business day.

We buy ugly houses in Phoenix, Chandler, Mesa, Tempe, Glendale, Scottsdale, and Peoria. Check out our excellent standing with the Better Business Bureau. We are long time members.

We Buy Homes Fast

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho

Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri

Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania

Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

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We Buy Homes! Why You Do Not Need A Realtor.

Don’t Call a Realtor, We Buy Homes!

Do you have a home you need to sell? Are you wondering how long it can take to sell a home? The average time with a Realtor right now is almost 6 months. Why wait 6 months or longer? We buy homes! Any condition, any reason, and price!

Click here to download your FREE E-Book

Click here to view a FREE E-Book (Flash Version)

Visit our We Buy Homes webpage at http://www.allhomesaz.com/we_buy_houses.html

No Equity, No Problem!

Most people don’t realize that to sell a home  can cost over 10% of the purchase price. What’s the mortgage payment on your home? If you take the average $1200/month mortgage payment, and multiply this number by 6 months, this equals $7200. Plus, this number doesn’t even include utility costs, insurance costs, and maintenance costs.

Furthermore, to list a home with a Realtor will typically cost 6% plus closing costs. If you add all of these costs up, usually they are over $20,000 on a $200,000 house. So why not look at our We Buy Homes program? There are no closing costs, no commissions, and no fees.

Also, if you owe more than what your home is worth, or need help doing a short sale, we can help.

We buy homes anywhere in the USA!

We buy homes with the highest levels of customer service and are members of the Better Business Bureau and maintain an excellent standing.

Do you have a home you need to sell? Are you wondering how long it can take to sell a home ? The average time with a Realtor right now  is almost 6 months. Why wait 6 months or longer? We buy homes! Any condition, any reason, and price!

Do you want to sell your house quickly and with no commissions, no appraisals, no inspections and no other fees? We buy all types of homes (we buy ugly houses) in any condition for any reason. We will make you a fast, fair offer on your house and provide you with a number of options including staying in the home. We can also help you with a short sale or a loan modification. Call us today! We are professional Arizona home buyers – we can make you a cash offer for your home today!

  • There are no fees, no commissions, and no contingencies with our process.
  • We will pay for your closing costs.
  • You can call us 24 hours a day, 7 days a week.
  • We will give you a fair and honest price.
  • Our advice/consultation is free.
  • We will buy your home “as-is”.
  • We will buy your home for any reason – bad investment, bankruptcy, divorce, inheritance, bad tenants, foreclosure, home needs repairs – any reason!
  • We can provide several solutions to your problem, giving you extra time to move and possibly remain in the house as a tenant.
  • We will buy almost any single family home, apartment, condo, town home, etc. All information provided by you and all transactions are held in complete confidentiality.

Visit our We Buy Homes webpage at http://www.allhomesaz.com/we_buy_houses.html

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