Considering Buying or Selling...

I can help! 

Your "Certified Distressed Property Expert"

As a Certified Distressed Property Expert (CDPE), I work with individuals and families who are facing foreclosure I have committed to making my focus in real estate to help families who are facing foreclosure realize that they have better options. The CDPE designation is an intense certification that truly prepared me to help anyone facing a foreclosure. 

Chances are, you or someone you know on your street is facing the possibility of foreclosure. But you need to understand that you are not alone.

Today, nearly 1 out of every 6 homeowners in America is behind on mortgage payments.

What is a Short Sale?

A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions.

But to be technical, here's a more official definition:

• A homeowner is 'short' when the amount owed on his/her property is higher than current market value.
• A short sale occurs when a negotiation is entered into with the homeowner's mortgage company (or companies) to accept less than the full balance of the loan at closing. A buyer closes on the property, and the property is then 'sold short' of the total value of the mortgage.

For homeowners to qualify for a short sale, they must fall into any or all of the following circumstances:

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

This seems simple enough, but it is a complicated process that takes the expertise of experienced professionals. I hold the CDPE® Designation and am ready to identify all possible options and, when possible, assist in the execution of a short sale transaction.

If you have questions or feel you may qualify for a short sale, please contact me for a free consultation.

Understanding your options now could mean all the difference in the world.

Thinking of Buying?                             

If you're checking out the real estate market by calling on real estate ads or driving around looking for Open Houses or For Sale Signs, you might miss out on the perfect home.

I am linked to the Multiple Listing Service (MLS) computers. At your request, I'll be happy to program a search of homes for sale that meet YOUR exact specifications.

Just tell me exactly what type of home YOU want - the price, the school district, the style, and whatever else you find important. I'll customize a search for you, downloading all the information on the homes that meet your exact specifications, and deliver all of the information to you - promptly and without any obligation on your part.

After you see exactly what homes are available for sale, there may be some that prove interesting. If you would like to see inside, just let me know. I'll make arrangements for you to tour any home, anywhere, no matter which real estate company has its sign in the yard.

Before, during, and after the showing of a home, I promise that it will be a pleasant, guilt-free, learning experience.

If you would like to make an offer on one of the homes you see, I'll help you prepare the offer and negotiate in your best interests as a buyer's agent. Save your search today.

Considering Listing your Home?    

The selling process can be very complex and time consuming, however with the aid of my services, be certain that you will come away completely satisfied and stress free.

One of my main responsibilities is to arrive at an accurate estimate of value for your home, so I ensure a detailed evaluation and analysis of every part of your home. My work doesn't stop there, as I will fully investigate the real estate market and compare your property with similar listings to make sure that you receive the highest amount you deserve for your home.

I will follow a step-by-step marketing program that will provide you with service that is professional and courteous. In the end, you will be sure that the price you set reflects the true value of your home under current market conditions . . . rest assured that you will be completely satisfied with your selling price once I have completed the proper research and evaluation of your home.

Let's get together and talk about your home buying and/or selling plans. Call me direct at (541)619-2888 or send me an e-mail Candyb@remax.net we'll setup a time that is easy and convenient for you to meet.

I look forward to working with you.