Crystal McCall, Distressed Property Expert

Another Real Estate Forecast?

Wed, 11 Jan 2012 14:05:47 GMT

Yes, another Real Estate forecast! Veros Real Estate Solutions released its
VeroFORECAST real estate market forecast for the 12-month period ending Dec. 1, 2012.

Their findings indicate “the national housing recovery will continue to be gradual and slow without any significant changes in markets.”

Veros predicts up to four percent appreciation in the strongest markets, including Fargo and Bismark, North Dakota; the Washington, D.C. area; Honolulu, Hawaii; and Anchorage, Alaska.

Veros projects the five weakest markets—which include areas of California, Nevada and Florida—to depreciate five to six percent over the next year. Florida is still among the top five markets needing to improve drastically.

While this is welcome news for the country’s strongest markets, the reality is, 1 in 5 homeowners are underwater on their mortgage. For many of them, the recovery isn’t coming quickly enough. Housing prices remain 33% below 2006 levels, so even at four percent appreciation, millions of homeowners remain in serious peril.

We do have solutions to assist anyone who is concerned about their personal challenge with their mortgage. Please contact us for solutions!

Sell Your Florida Foreclosure...

Wed, 02 Mar 2011 15:26:22 GMT

Have you thought about selling your Florida foreclosure? In our last post, one of the things I touched on was selling your foreclosure before it’s closed on. One way of avoiding foreclosure is selling the mortgaged property. This can be quite difficult when the property happens to be your home. But once you have decided to do so, the next thing you have to know is how to do it fast. Remember that you only have limited time to complete the sale.

First, you have to price the property right. You should not peg your price on the value of the property when you got it, nor on the amount that you have already paid for it, or even the outstanding balance of your mortgage. Remember that you are not only trying to sell a property but more importantly paying off a loan and avoiding a negative mark on your credit. With so many Florida foreclosures, this presents an option to help you before it’s too late.

You have to know the current fair market value of your home. In order to do this, you can consult with your local Florida real estate agent and get sound advice on the going-rate of properties of similar nature in your area. You might want to price your home lower considering that you do not have as much time in the world to make the sale. “Property up for foreclosure, for sale on discount” will be a good sign to put up.

If it so happens that the current fair market value of your property is not enough to pay off the outstanding balance of your mortgage, you may have to negotiate with your lender for some adjustments. Remember that lenders normally would not want to foreclose your property and would prefer that you be able to sell it yourself and pay them off.

After deciding on the price, the next thing to do is market the property. The most important thing in marketing your property is that it must look good. Take time to clean up and do all the necessary repairs and repainting. All these will help you find a buyer more quickly.

In marketing your property, make full use of the Internet. It offers perhaps the quickest and most efficient way of spreading information around at little or no cost. Post a lot of pictures of the property on the net and provide as much information as possible including contact information. Be prepared to work closely with you Florida real estate agent and to meet personally with interested buyers.

In doing all these, don’t lose sight of you goal which is to pay off your mortgage in time to avoid foreclosure on your Florida home, and to be able to start all over again.

While you are busy trying to make the sale, remember that you will need to prepare to vacate your home and transfer to another one. Depending on the current fair market value of the property you are selling, you may or may not be able to get extra cash from the sale to finance your transfer. That is something you too will have to prepare.

Just remember that, once you have made the sale, you can then forget about the mortgage gone sour and start building your finances again. Hang in there and know there are options when your home is about to go into foreclosure. With so many Florida foreclosures, stay a step ahead when you realize you’re about to lose your home.

Originally posted 2011-02-19 12:24:46. Republished by Old Post Promoter

Facing Foreclosure...

Wed, 02 Mar 2011 15:24:22 GMT

If you’re facing foreclosure, there are some things you’ll want to think about before you surrender your home. No one actually wants to lose their property just because they’ve mishandled their money. It’s embarrassing and stressful to have to go through foreclosure. You’ll probably be stuck with home rentals for several years when you acquire bad credit score because of foreclosure. Before matters get out of hand, you should talk to your lender to set your finances straight.

Most people lose to foreclosure because they ignore the first time they miss out on a mortgage payment. This is never a good thing, because you’re essentially wasting time when you deny the truth of your financial situation.

As soon as you first start missing out on payments, you should consider talking to your lender right away. Your mortgage terms might not be fit for your income capacity, for example. You might want to consider refinancing so you can pay for smaller monthly fees on a longer mortgage term.

Look into other means of acquiring money:

Most people lose their homes because they have a strange tier of spending priorities. Once you start missing out on your mortgage payments, have a financial advisor analyze your monthly budget. You’ll be surprised at what other people will discover.

For example, you might be spending too much on clothing, or a new boat that you don’t really need. A missed mortgage payment can actually do some people good because it allows them to rethink their spending habits. You might be able to give up unnecessary things in your life so you can pay off your debts.

Originally posted 2009-03-20 09:55:01. Republished by Old Post Promoter

What is a Foreclosure?

Wed, 02 Mar 2011 15:21:56 GMT

Learn more about Short Sales and Foreclosures in Florida

What is a Foreclosure?

Foreclosure is the stage of default in a loan where the lender begins a process that allows them to recover the amount owed on an unpaid loan. The lender files a public notice called a Notice of Default after a series if delinquencies with the borrower. This process allows the lender to recover the loss by selling or taking ownership of the property (known as repossession). During this process, the property goes into Pre-Foreclosure which allows the borrower a chance to either pay off the balance owed or sell the home.

There are three opportunities for a buyer to find great deals on homes during the foreclosure process:

Pre-Foreclosure

Buying a property in pre-foreclosure involves approaching the owner and offering to buy the property outright. There are great advantages for the homeowner since this process allows the owner to walk away with something to show for any equity in the property and to avoid further damage on his or her credit history. The buyer can research the title and condition of the property and can generally get a good buy of 25-40 percent below market value in many cases.

Bank-owned

If the bank takes ownership of the property, the lender will usually want to re-sell the property to recover the unpaid loan amount. The lender then assume responsibility and clear the title and perform needed maintenance in order to market the property for a quick sale. This is typically a good deal all around for both parties since the property is often researched and repaired in some fashion (in some cases the property can be in perfect condition) – adding a lower risk for the buyer and a quick sale for the lender. The deals are generally even better at this stage for the buyer.

Auction

Many times if the loan does not get reinstated, the lender typically puts the house up for sale on public auction to recuperate the default amount. The negatives are that Buyers often are required to pay in cash at the auction and may not have much time to research the title and condition of the property beforehand. Properties sold at Auction are in “as Is” condition so you must be prepared financially for what comes your way either legally through the title or through condition issues of the house itself depending on the situation.

Looking for great deals on foreclosures?

Search Marion County Foreclosures

The link above includes searches in Ocala, Summerfield, Anthony, Belleview, Silver Springs, Dunnellon, McIntosh, Reddick and more!

A special link dedicated to The Villages will be coming soon. In the meantime, please contact our office at 1 (800)391-8354 x 0 and we will be happy to email the listings to you.

One of the best ways to learn and obtain a great deal in foreclosure properties is to consult a foreclosure specialist in your market. Crystal McCall has partnered with Realty Trac and is able to assist you with all of your needs when searching for the best deal in this market. Crystal is a Foreclosure Specialist in Ocala ready to give you the best advice and to find you the best deal in the foreclosure market.

Crystal can send you great listings for foreclosed and pre-foreclosed homes in Marion County – including Ocala, The Villages, Summerfield, Belleview, Anthony, Dunnellon, Lady Lake and more. She can also give you advice so you can be an informed buyer while shopping.

Crystal regularly posts to her blog and often posts advice and information about the foreclosure market - click here to read Crystals blog.

Give Crystal a call today!

Crystal McCall
Keller Williams Cornerstone Realty
Serving Ocala-Marion County, Summerfield and The Villages
Toll Free: (800) 391-8354 Ext:0
Local: (352) 547-1077 The Villages: (352) 267-7846
Email: Crystal@CrystalMcCall.com

SAY NO TO FORECLOSURE...YOU CAN BEAT IT!

Thu, 30 Sep 2010 15:34:17 GMT

Now, we are not talking about doing anything illegal. There is a way to successfully beat foreclosure. There are systems that have been set up to work! Short sales and "Deed in Lieu" have replaced these numbers incredibly, infact they have increased 126% over foreclosures from last year. I am amazed when a client says they did not know.

Unfortunately, there is so much reported through the media that conflicts daily as to what can and cannot be done when you are a property owner with hardship and you are unable to make the mortgage payments. Believe it or not, the bank knows what they are doing. The property owner does not. I personally attend seminars and webinars with top financial institutions and organizations weekly just to stay up with the changes.

Quite simply, the bank does not want a house to sell. They want to get your delinquent file off their plate and move on, and so do you. By allowing a short sale or deed in lieu to take place, you have prevented a foreclosure which affects your credit rating for 7 years. The short sale and deed in lieu are currently reflecting credit ratings for about a two year period after completion. Why would you choose a foreclosure ?

The short sale and deed in lieu are worked on together. Most financial institutions require you to have your home listed with a Realtor who has counseled you on true market value and assisted you with preparing a Short Sale package. The short sale package includes your current and past two year financial history to show why you are unable to make the required current mortgage payments. The forms are very self explanatory and give you a format to follow to put this information together.

When a buyer makes a reasonable offer on your property, after your approval, the offer is submitted by the Realtor to the financial instutions for approval of the sale and they coordinate the closing.

How difficult is this? Unfortunately, a Realtor and trained negotiator work together with many emails and phone calls to complete this transaction but you the seller become the "WINNER". It has been the most gratifying feeling to me as a Realtor to close on these transactions as the Seller is saved from foreclosure and the Buyer has a great buy! WIN WIN!!

Ocala Short Sales and Foreclosures actively selling!

Fri, 22 Jan 2010 16:01:01 GMT

The Ocala area is truly a busy market regarding the sales of homes, especially short sales and foreclosures. We currently have over 1100 homes for sale that are short sales and foreclosures and the majority of them are exceptional buys. Ocala real estate prices have truly declined to a very attractive Buyers market as those who are in a position to buy are able to get beautiful properties, not all distressed properties! The days of beat up and rotten homes is not what we are experiencing. Our short sale market is featuring homes of executives who have had to leave the area as they seek jobs and can no longer make mortgage payments. I make it a point to counsel with clients both buying and selling short sales so that they are able to get the best bang for the buck!

Foreclosed homes in the Ocala market and also in our retirement markets of Summerfield and The Villages are usually in great condition and are priced for quick sales. Keep in mind, many of these are owner occupied properties that the seller has given a Deed In Lieu of foreclosure to protect their credit. They want to do the right thing, although their financial position will not enable them to make payments on their homes! These are now sold on the resold market as a Foreclosure and give great opportunities for a Buyer to make a good deal!

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:46 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Crystal McCall
800 391 8354 x 0

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away.

I'm here to assist you.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Crystal McCall 800 391 8354 x 0

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Don't Walk Away From Your Mortgage

Stop Don't Walk Away From Your Mortgage

At a Crossroads?

Walking away or "strategically defaulting" on your mortgage is not the answer. You will find that there is nothing strategic about foreclosure, especially when there are solutions to avoid it.

You should know that you have options, and that you are not alone. More than 25% of American homeowners now owe more than what their homes are worth, and millions more are having a hard time paying their mortgages.

I've developed a free, detailed report on foreclosure alternatives you can download below. Download it today and give yourself a green light for a solid financial future.

The sooner you take this step, the more time you'll have to act and move toward a more promising tomorrow.

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.