Facing Foreclosure? Here is a way out !

You can Count on us   SANDIEGOHOUSESHOP.COM AT  (619) 354-4636  or Click here http://www.sandiegohouseshop.com/contact to Reach a CHULA VISTA AND SAN DIEGO  SHORT SALE SPECIALIST     Hugo Sanchez Realtor

Why not be foreclosed? Why sell short?  

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• If you ask many of the Agents that have sold many Short Sales about the process and information on Sort Sales in Chula Vista or San Diego the can give you Hundreds of reasons why it is good to do A Short Sales over a Foreclosure.   Here are some of them!  
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• Why not to Foreclose - Because is the right thing, after you used the house, lived in it, created memories in it with you and your family, why not do the right thing, and at the same time benefit from it, taking the chance to maybe qualify for relocation money from your Servicer / Bank !
• Foreclosure stigma avoid it! – As a Foreclosed Homeowner you will always have to disclose  that you foreclosed on your Mortgage on any Mortgage application and many job applications that you submit in the future.  If you ever have to rent which you will after 90% of the times you may have to pay higher rent or deposit because you had a foreclosure that shows in your credit report.   This can also have an adverse effect in the future for mortgage rates, credit card rates etc.  Foreclosure is asked about specifically in credit inquiries. There is no seven-year time limit on this item!
• Make sure you protect credit score – By Foreclosing your credit scores will be lowered by 300-plus points (per loan) , by Short Selling will impact only about half.  
• Have your chances of Improving the eligibility for a government insured loan – In a Foreclosure you will be ineligible for a Government insured loan for 5-7 years (only two if you Short Sale.  A foreclosure will remain in your credit report and that is an item that is very impossible to take out of it!  
• Stop and Avoid a deficiency judgment – Lenders have the right and they can seek deficiency judgement against the home owner and they can collect the amount owed to them that was not recover at the sale!   
• Protect your future employment  prospects – Many employers are requiring credit checks on their new prospect employees.  Government clearance will be put at risk by a Foreclosure,  Many employers will run credit background checks on  prospective employees. Foreclosure is one of the top items that will put a potential new hire, or even current employment, in jeopardy.

These are the top reasons, but there are more. An expert short sale specialist agent can give a full picture of the options.

Give us a call we can help you sort out your situation and also we can help you come ahead on your Short Sale in Chula Vista or San Diego.   For a free private consultation  http://www.sandiegohouseshop.com

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