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Home owner you may need to take action now!
Homeowner, are you still Behind in your Payments?
Has A Notice of Default has been filed against your home ? You may be Facing foreclosure and you could lose your home!
Is time running out?
Anytime someone RECORDS AN ACTION on your property, it becomes a matter of public record. Has an action recently been filed against your property? I understand that 8 out of 10 of these types of notices may be cured by the homeowner.
However, with that in mind, I WANT TO HELP if you have not been able to catch up on your delinquent payments.
You're thinking maybe, "if they want the home they can have it!" You may be harassed, embarrassed and somewhat fearful and have little knowledge about the rules of the game. Over the years, I have turned this negative experience into a positive one by building my business specializing in these types of situations.
I have handled numerous foreclosure properties in the past, through the foreclosure and “short sales” and “wrap-arounds” in the early 80’s brought on by high interest rates and again in the 90’s when these were brought on by the recession. THIS PAST EXPERIENCE has given me an edge -- AN EDGE YOU MAY NEED in negotiating with lenders to remove fees, late charges, and in some cases, able to get the lender to discount the amount due with no future reprisals and completely hold you harmless TO HELP SAVE YOUR CREDIT.
TALK IS CHEAP. You're probably being bombarded by letters and calls from people claiming to be a "specialist" or a "whatever". BOTTOM LINE before you commit to anyone -- have them submit to you the DOCUMENTED results. I have recently taken numerous extensive and specific real estate classes dealing with our current foreclosure problems.
Today’s problems are far different than in past real estate up and downs. Lenders will be much harder to deal with now due to the wild increase in property values in Madera. Many homeowners did multiple re-finances on their homes pulling out all the gained appreciation (equity) on the property. Lenders are going to find it hard to forgive the difference in the amount owed and the difference in a selling price even if a property has gone down in value.
Once you are working through a third party (it's better than bankruptcy), the foreclosing source becomes more cooperative because they see you are making an attempt to correct the situation.
All is not lost! You see, most lenders do not want to be in the real estate business. They lend money, they do not sell homes nor do they want to sell homes. They may be willing to negotiate a “short sale” a deed in lieu of foreclosure or other option. Here is where a trained qualified professional needs to do the negotiating for you the home owner in trouble. I can help you here.
I would like the opportunity to talk with you about your options and help you save your credit. You can call me at any time at 559-363-7653 and my email is Richard@RichardBulger.com. Email works best for me to get fast information to you and to obtain initial information as well as set a time for a personal confidential appointment. CALL NOW! ALL AT NO COST OR OBLIGATION, I PROMISE.
I look forward to talking with you.
Respectfully,
Richard Bulger
Nora & Associates Realty
Madera, CA 93637
Please note: If you are no longer, or never were, in default, please disregard this post card. I apologize for any inconvenience. The service I use is not always correct. Also, if you property is currently listed, this is not intended to be a solicitation. You should consult your agent immediately about any defaults.
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