Archive for the ‘Advocates’ Category

We Can Get Your Short Sale Closed, Even When You Have A Tax Lien

Wednesday, May 30th, 2012

Hello I am Mike Rigley, your certified default advocate, distressed property expert and short sale specialist for the Northern California area. Welcome to our video blog; as default advocates and short sale specialists we want homeowners to know all of their options. Whether you’re behind on your mortgage, possibly facing foreclosure or just owe more than what your home is worth, we’re here to assist you even if you do not reside in the Northern California area.

Today I got a call from a distressed homeowner. He tried to do a short sale, but the short sale was not approved because he owed $35,000 to the California Franchise Tax Board. Let me explain. The short sale was approved by the lender and investor, but the tax lien had to be removed from title before the escrow could close. His previous real estate agent saw the tax lien and advised him the short sale could not be done. This couldn’t be further from the truth. Both the California Franchise Tax Board and the IRS understand the significance of doing a short sale on this distressed home; as long as there’s a lien on this home, this won’t happen. On more than one occasion, we have successfully had the IRS and the California Franchise Tax Board release the lien so we could get the short sale completed. However, the tax lien just doesn’t go away. The homeowner is still liable for unpaid taxes, but at least we were able to short sell his home and keep him from having to deal with foreclosure.

If you have questions about your specific situation, please contact me to set up your own free, confidential consultation. Rigley Real Estate Group can give you the resources and knowledge that you desire to avoid foreclosure and successfully short sell your property in the Northern California area. I anticipate hearing from you.

For more information on short sales and how to avoid foreclosure, or you can also and get started today.

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Info Concerning The Principle Reduction Program And The Keep Your Home California Program And How They Can Assist You

Friday, April 27th, 2012

Hello, I am Mike Rigley and I am an authorized default advocate distressed property expert and a short sale specialist. I’m one of California’s leading short sale teams. Welcome to our video blog. As default advocates and short sale specialists, we want homeowners to know all of their options whether or not you are behind in your payments or probably going through foreclosure or possibly just owe more than your house is worth, we’re here to help.

At present I want to speak about the Keep Your Home California Principle Reduction Program or PRP. The Principle Reduction Program by way of Keep Your Home California gives help to eligible owners who’ve experienced an economic hardship coupled with a severe decline in the home’s value.

Homeowners who qualify for the PRP could be eligible for as much as $50,000 in help from Keep Your Home California. PRP requires a dollar for dollar match from the participating servicer so the entire amount of reduced principle may very well be as much as $a hundred,000, that is substantial. Homeowners must be in the low to moderate income bracket of a hundred and twenty% or less of the housing and community development area median income. one hundred twenty% of the HCD median income for a family of four in Sacramento County is currently $ninety one,320. You may want to complete a signed hardship affidavit and third party authorization documentation documenting the rationale for the hardship. You will want enough income to maintain the modified mortgage payments. You should agree to offer all obligatory documentation to satisfy the program guidelines established by Cal-HAFA.

Your mortgage have to be delinquent or susceptible to eminent default as substantiated by your hardship documentation. Loans in foreclosure are eligible. Sadly owners in an active bankruptcy are usually not eligible for this program. At present there are 12 lenders nationwide who’re participating within the PRP. To search out out if your lender is participating in this system and to see when you qualify, call 1-888-317-9376 for a free confidential consultation. Once more, I’m Mike Rigley, certainly one of California’s leading short sale groups and we think it is vital that you understand all your options. Hope to talk to you soon.

For more information on short sales and how to avoid foreclosure, or you can also and get started today.

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