Hello once more and welcome to our website. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale agents. Closing more than 300 short sale deals in the last couple years, we are merely the most successful short sale agents in the Mesa area.

One of the questions that we are asked often is "what makes us different from other realtors? Do we have contacts within the lender?" A couple years ago, we would not have said that our contacts within the lender were beneficial to us. However, we have come to acknowledge that our contacts have saved a number of deals in the last couple years. Our contact with people within the lenders have helped us put off foreclosure sale dates and get deals accepted.

If we need something urgently, we seem to be getting some special treatment. Your short sale is not going to automatically be accepted five times quicker than others. However, you can rest assured that our group has those vital contacts and we know how to apply them.

No matter which lender you are working with, Chase, Citi, Wells Fargo, B of A, or any other lender, we've worked with each of them. more than 100 banks have worked with us in some way, shape, or form. Every lender operates in a different way. And likewise, each lender has a vaguely different way of handling short sale packages. However, with our experience closing more than 300 short sales in the last couple years, we are equipped for each situation.

We would consider it a priviledge to talk with you soon. We look forward to helping you make a decision regarding your home.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Maricopa - Avoid Foreclosure Arizona

Watch Kevin and Fred, Short Sale Specialists, on the Short Sale Power Hour. Video for Short Sale Specialists.

Hello and welcome to our blog. We are Fred Weaver and Kevin Kauffman, Arizona's leading short sale realtors. We have closed hundreds of short sales and we would love for you to get in touch with us to learn more.

We wanted to chat to you today regarding what is going on in the short sale business now. In particular, can foreclosure sale dates be postponed and as a house owner when should you begin working with us in a short sale deal.

Recently, some of the investors do not want to reschedule foreclosure sale dates as much as they have in the past. A year ago, if we were chatting, I would have informed you that we can get your house on the market and acquire an offer in 60 days allowing your foreclosure sale date to be postponed. To be very honest, that isn't occuring any longer.

If you are in a position where you are 60 or less days from foreclosure, please make contact with us. We are not saying that your house is going to go to foreclosure. Yet, if you have not missed a payment yet or you are merely a payment or 2 behind, please get in touch with us quickly. The sooner you act, the better off you will be. If we have more time, we have a greater likelihood to make a positive outcome for you.

You must make sure that you are dealing with a qualified group that has contact within the lender and can fruitfully complete your short sale. The banks do want to help you out, but you have to get in touch with us sooner rather than later.

Thank you for joining us at the moment. Please fill out the form here on our blog so that we can be in contact with you almost immediately. Have a great day!

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at What Is A Short Sale - Mortgage Short Sale Arizona

Hello and welcome to the Group 4610 blog. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale Realtors. We have closed more than a few hundred short sale deals since 2008. With a higher success rate and more skill than almost any other agent in the Arizona Short Sale world, we are the leading short sale specialists in the county.

We would like to chat about a sensitive subject these days. Should you short sale your property? The strategic default, or as we refer to it, the business decision, is a awfully hot subject recently. You may be a property owner out there that is upside down on his mortgage. For instance, you may owe $400,000 on your mortgage, but your property is only worth $200,000. You may be in a position where you are getting ready to retire or you are preparing to relocate. Maybe you have the ability to pay your mortgage, but you are doing this at the determent to your family. Essentially, you are throwing money at a bad asset or investment.

We have had lots of people come to us and say 'What am i doing here? What should i do?' The short sale, foreclosure, or keep paying the mortgage are all options that property owners are taking into consideration. We will not tell you what you should do, but you should make the correct choice for you and your family. Lots of people believe that they have a ethical obligation to make their payments.

While that is a legitimate line of reasoning, there are a few things in your mortgage agreement that give you the right to stop making payments. Similarly, the lender has the right to foreclose or agree to a short sale. You have to assess what is most important to you. If that means that you have to walk away from your property with a short sale, you should strongly reflect on it.

There are a few things you ought to always remember. This is a individual choice for you. Don't permit anyone to tell you what is right or wrong. Your mortgage is a agreement that has options for you to mull over. Look at what your property is worth today. How long will it take you to get your mortgage back to even? There are consequences to each option that you have. Contact us today and we can help you evaluate those consequences.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Peoria - Mortgage Short Sale Arizona

Welcome to Group 4610's blog. We are Kevin Kauffman and Fred Weaver, Arizona's Premier Short Sale team. We have closed hundreds of short sales over the past few years. Yet, this video is not about us, it is about you!

One of the common discussions we have with residence owners is about missing payments. Many of these residence owners are even now current on their mortgage payment. Maybe they have not yet experienced the drop in their wages or they have not completely exhausted their whole savings account so far. They frequently want to know whether they should or should not miss payments.

Realize a few things about short sales. It is feasible to complete a short sale without missing payments. Yet, with the regularity that short sales are being completed, the banks aren't even allowing for a short sale until the residence owner is missing payments. We think that the banks have made that change since they don't want the residence owner to take benefit of a short sale and still evade the harmful effects of missing payments. Also, it is certainly a way for the banks to keep short sale numbers down. There is not a single lender in the country that has enough employees to deal with the short sale folders they already have.

We are never going to advise you to make or miss your payment. Yet, we can tell you that the lender will want to observe you miss some payments before they decide to even look at your short sale. Most of our clients are okay with the credit damage and knowing that they can get back into a residence in a few years. We will talk about the decisions that are facing residence owners in a future episode.

Fill out the form on our website so a member of our team can have a short talk with you. Thank you for joining us now. We will speak with you again shortly.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Peoria - Arizona Short Sale Specialist

The real estate sector has long had its own version of a bail-out mechanism on the perspective of a property owner. When one is affected by financial turmoil and his property is in danger of foreclosure by its mortgage lender, one would automatically look for a bail-out plan to salvage the property. Any option when in his reach would always come handy. Real estate has the short sale purchase as ready remedy for such scenario.

Short Sale Purchase is an option whereby the property owner sells his property at a lower cost than its existing mortgage value to an interested buyer preventing the property from being foreclosed by a mortgage lender. In this transaction, there are three key players which will determine its success. The Mortgage Lender, the entity by which the property is under mortgaged; the seller, the owner of the property which is being endangered of being foreclosed; and, the buyer, the interested party to acquire the said property.

The Mortgage Lender plays a vital role in this short sale purchase. Primarily, it prequalifies whether the seller is worthy of such purchase mechanism in consideration of certain criteria, such as the financial status of the lot owner who wants to avail of the purchase. In such case, the lot owner has to provide a HARDSHIP LETTER to the mortgage lender prior to availing such short sale purchase. It, likewise, determines and sets the price the property will be sold at. Usually the mortgage lender sends an appraiser to determine the actual valuation of the property. Finally, it determines whether there are available co-makers or co-debtors relative to the remaining balance of the loan mortgage value, since the property will be sold at a lower price than that of the original mortgage value.

The seller on the other hand serves as the offeror of the property to an interested buyer. As an offerer, he is expected to follow certain considerations when dealing the property to an interested buyer. One of those important considerations should include, the property price that he will be offering to the buyer should match with the price determined by the mortgage lender. Another is the capacity to pay the property price of the interested buyer. Otherwise, without such capacity will lead to failure of the purchase agreement.

Finally, as buyer of a short sale purchase, one must be keen with the property being sold as well as the seller who is offering the property. It is a must that as a buyer, one must have a direct contact with the mortgage lender. This is to actually verify key facts, such as, if the seller and property is indeed qualified for the short sale purchase. It should also be ensured that as a buyer, I am likewise qualified to avail of such purchase. Since this is an acquisition negotiation, one is also advised to conduct an actual ocular inspection of the property. This will give a glimpse of the actual condition, looks and state of the property to be acquired. This will give one an idea of what one is actually purchasing.

This bail-out mechanism of Short Sale Purchase is just one of the many options available to deter foreclosure of properties. For proper guidance for property owners, it is but prudent to consult a real estate professional to know the appropriate action for your property transaction needs.

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We are Group 4610, Arizona's Best short sale group. Short Sales in Arizona are our thing. We often get questioned about why we are the best short sale realtors in Arizona. Ultimately, what seperates us from other realtors in this Arizona short sale market?

I had a recent situation where a pal was going through a short sale and needed some advice as to what to do with a short sale at Bank of America. I coached her a little bit and gave her some ideas to pass on to her short sale agent. Ultimately, if you are having problems escalate to somebody higher up at the bank.

After getting off the phone with her, something dawned on me. I should have told her something different. It is not about what we do. Don't get me wrong. We have great strategies and we have great relations inside the bank. When we ask for something, they are conscious of who we are and they react to us. This happens because they understand that we close short sales. We aren't there to squander anybody's time.

Ultimately, our achievement is a direct result of our mindset. Short sales are difficult transactions. They are not like the traditional real estate transactions. Finding solutions to problems, no matter the circumstances, is what we do best. Our deepest committment is our aim and, in turn, your result.

If you decide to work with us, know that when you enter into a relationship with us we take that incredibly seriously. Our deepest committment is to get your short sale done effectively. We have a mindset that we are going to get the work done and help you steer clear of foreclosure. There are problems that arise in this procedure all the time. Yet, we choose to defeat those problems.

If you have questions, get them answered here Pre Foreclosure - Short Sale Realtors

Winterizing More Than a Hundred Homes

According to the October 2008 KAALTV article, Winterizing Foreclosed Homes, in Austin, MN a local plumbing company winterized more than 100 homes, and expected things to get busier as foreclosures continue to escalate.

Why Banks Like for Foreclosed Homes to be Winterized

When a home is foreclosed on, it can sit vacant for months - even over a year in this economy. When a home sits vacant, especially during the winter season, pipes can burst causing water to flood.

Even if the water is turned off, the water that sits in the pipes can cause floods or damaging leaks. And, what follows floods and/or water damage? Mold.

Now imagine this sitting for weeks or months with no one being aware of it.

This is why lenders pay plumbing companies, property preservation companies, real estate services enterprises and/or foreclosure cleanup companies to winterize properties. In the long run, it costs them less money.

If you're a foreclosure clean up company, winterization is an easy service to offer. And, it can be quite lucrative because it is one of those services that banks don't hesitate to pay for, unlike some other services.

So, you may be wondering, exactly . . .

What Is Winterization?

Basically, winterization is protecting a home while it is unoccupied for long periods of times. A lot of this has to do with preventing water from entering a home and pipes from bursting. Another equally important component is dealing with the heating and cooling system.

Following are some things that should be done to a home during the winterization process.

Shut Off Water: This should be done at the main valve or at the inlet to the meter. Once the water is shut off, the meter should be capped - preferably by a professional - so that it can't be turned back on.

Drain Water Heater: Remember, even if the water is turned off, if something happens, water left in pipes or a water heater can still cause flooding.

Drain Pipes: For the same reason as above, this should be done.

Open Faucets: This allows them to drain completely.

Drain Toilets: Be sure to get rid of any excess water left in the tanks; wipe them dry.

Turn Off Heating System: If you have an electric system, make sure it's turned off at the circuit breaker. This prevents the burning up of heating elements.

Turn Off Gas & Electric: Call your local electric company to make sure this is done.

Check for Faulty Faucets and Broken Pipes: If damage is found, make sure it's repaired so that when water is turned back on, there are no leaks.

This is by no means an exhaustive list, but it gives you an idea of what goes into winterizing a home.

HUD Payment Guidelines: Home Much Do Banks Pay for Winterizing a Foreclosed Home

If you're a foreclosure cleaning company and want to offer this service, what you will be paid depends a lot on what HUD pricing guidelines are in many cases. This is because many bank-owned properties fall under HUD.

For example, in the state of Georgia, HUD will pay anywhere from $100 to $460 for winterizing a foreclosed home, depending on the type of heat it has (ie, dry heat, steam heat, wet/radiant heat).

As you can see, this can be a very lucrative service for any foreclosure cleaning company to offer - and it shouldn't take more than a few hours (or less) for a skilled professional to do.

May be reprinted with the following, in full: Learn everything you need to know about how to price winterization services -- and how to price foreclosure cleaning jobs in general -- in The Pricing Guide for Foreclosure Cleaning & Real Estate Service Businesses: How to Price Jobs for Profit, which can be found at Start-a-foreclosure-cleanup-business.com.

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