Behind on your mortgage payments?

Behind on your bills? 

Can't sell your house due to a declining market value?

Owe more than your house is worth? 

Fear that you might be heading towards foreclosure? 

You are not alone!

I am a licensed Georgia real estate professional who specializes in working with you in this very difficult situation. 

I am a Certified Default Resolution Specialist (CDRS) and have been trained to evaluate your situation and work with your lender to find the best solution for you.  There is absolutely no cost to you.  If I succeed in working out a solution with your lender, the lender will compensate me on your behalf.  

My goal is to help Georgia homeowners and their lenders to find a mutually beneficial solution to avoid foreclosure.  Lenders do not want to take homes to foreclosure and provide a number of solutions for borrowers who might find themselves in this unfortunate situation.  Don't wait, it is important to be proactive and take action now to prevent foreclosure!

Many Homeowners Nationwide are in this Very Situation

Your situation is not unique. The foreclosure rate across the nation is at an all-time high and many, many homeowners are finding themselves falling behind on their mortgage payments.

My goal is to reach out, educate and help every homeowner who might be in this unfortunate predicament. I seek to find the solution that best meets your needs, saves your credit, and helps you move on with your life! 

There are many contributors to the current nationwide foreclosure situation and many reasons why a homeowner might fall behind on their mortgage payments:

  • An Interest Rate Jump on an Adjustable Rate Mortgage (ARM)
  • An Increase in Property Taxes
  • A Separation or Divorce
  • A Medical Hardship
  • A Reduction in Pay or Loss of Job
  • Declining Property Values
  • High Credit Card Debit

Please visit http://makinghomeaffordable.gov for information to determine whether you might be eligible for a loan modification or a refinance under the Adminstration's program.

If you feel like selling is your home is your only option, and you qualify for a short sale to help avoid foreclosure, please fill out the confidential questionaire below.  I look forward to working with you and helping you through this difficult time!

Short Sale Qualification

Please fill out this confidential information sheet to help me determine
if you qualify for a short sale. After reviewing I will be in touch to see
how I can best assist you and help you prepare a short sale
package specific to your lender.
 
Seller's Short Sale Information
*Name:
*Email:
*Phone:
*Address:
*Is your home currently on the market?:
*If so, do you have it listed with an agent?:
*Reasons you feel you qualify for a short sale?:
*Who is your mortgage company/lender?:
*What kind of loan do you have? (FHA, VA, CON):
*Is there more than one mortgage lien on your home?:
*If so, who are the lenders on the other liens?:
*Have you taken out a home equity loan? When?:
*How much did you originally pay for your home?:
*How much do you currently owe?:
*Who is on the title to the property?:
*Who is on the note? (husband, wife, co-signer) :
*Describe your home for me?:
*Are you currently living in the property?:
*If no, where are you living?:
*Are the utilities still on at the property?:
*Are you current on your utilities and HOA dues?:
*If not current, please list how much is owed.:
*Is your situation related to divorce?:
*If yes, has the spouse moved out?:
*Will they be cooperative in signing paperwork?:
*Are there any outstanding judgments or liens?:
*What is the condition of the property?:
*What letters have you received from the lender?:
*Certified Letters? Date?:
*Notice of Default? Date?:
*Notice of Acceleration? Date?:
*Notice of Foreclosure Proceedings? Date?:

Note: Fields with an * are required

  Katie Mitchell

Associate Broker, REALTOR ®, ABR, CDRS, CRC, SRES

RE/MAX Greater Atlanta
10220 Medlock Bridge Road • Duluth, Georgia 30097
Direct: (678) 942-0630 • Fax: (678) 301- 3814 • Office: 770-291-0100
Email:
KatieMitchell@remax.net



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