Dave Halpern Louisville Short Sale Expert (502) 664-7827

Posts Tagged ‘Realtors

In a Short Sale “Is it better that I move out?”

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In a Short Sale “Is it better that I move out?”

Sellers ask this all the time. The answer is the seller can stay in the house all they up to the sale to the new buyer.

There are actually many questions behind this question:

Question: Will the bank be angry that I’m living in the house without paying?

Answer: The bank realizes that many borrowers can’t pay. That’s why they have the short sale program. You didn’t create this housing slump or job market crisis.

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Question: Does the bank want me to move out because I’m not paying?

Answer: No. The bank prefers you stay in the house. If you are in the house they know the house will be maintained, the grass will be cut, the utilities will be on, pipes won’t freeze, and the likliehood of vandalism will diminish.

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Question: So the bank is OK with me living free in the house?

Answer: Actually, some lenders REQUIRE that you stay in the house until it sells. That’s how important it is to them that you remain.

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Question: But I’m afraid that the sheriff will show up with no notice and throw me out.

Answer: The sheriff cannot evict you before the house actually sells at the foreclosure auction. You will get many letters and notices prior to the auction. Please read a previous article xxxxxxxxxxxxxxx for more details.

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Question: What if I must move out or really don’t want to stay in the house anymore?

Answer: want to stay In most cases that’s fine also. If you have to move on with your life that’s understandable. Please check with your short sale specialist Realtor if moving out will impact your eligibility.

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Also, a skilled short sale Realtor will keep you informed of progress and will get your auction postponed to enable the short sale to be completed so you can avoid foreclosure.

These questions are all valid concerns. But notice that the answers are the exact opposite of conventional wisdom. Such is the nature of short sales.

If you are in the Louisville, KY area please call me (502) 664-7827 at any time with any questions you may have. Nights and weekends are welcome, too. Call me at any time that is most convenient for you.

Dave Halpern

Real Estate Broker, Louisville Short Sale Expert Realtors

(502) 664-7827
Locations of visitors to this page

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Sellers looking for foreclosure help in Louisville, KY should call Dave Halpern, Realtor, Louisville Short Sale Expert Realtors, (502) 664-7827. I will dedicate to you all the time you need for a full explanation of the process. We are compassionate, caring and patient.

I will provide detailed information about foreclosure options and short sales. We help dozens of sellers avoid foreclosure every single year in Louisville, Jefferson County, Oldham County, Bullitt County, Shelby County, Nelson County and Spencer County.

We can help. You have options. Call even if you think your house isn’t sellable. Many testimonials available.

 

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The Importance of Using a Short Sale Expert

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 The Importance of Using a Short Sale Expert

By David Halpern, Louisville Short Sale Expert, (502) 664-7827 and (502) 895-3100

In my city alone there are hundreds, maybe thousands, of homeowners who unnecessarily lose their homes to foreclosure each year who could have avoided it if their Realtor would have successfully procured a short sale.

Even a highly trained short sale expert cannot stop a bank from defeating itself and not every short sale will get to closing. But it is the Realtor’s responsibility to diligently and methodically go through the dozens of extra steps that don’t exist in a traditional listing.

With the introduction of HAFA short sales the homeowner has the opportunity of receiving great incentives for successfully completing a short sale, namely mandatory debt forgiveness and a $3,000 cash payment from the lender. Realtors who fail to procure the short sale can cause their clients to lose these monetary incentives.

Realtors who are not thoroughly trained and don’t have the time, staff or resources to handle short sales should simply not take on this complex negotiation. The clients come first and it is imperative that they get the best chance of avoiding foreclosure.

If a traditional sale doesn’t sell in a timely manner the seller will endure some sort of inconvenience. However, if a client is facing foreclosure and the short sale doesn’t happen on time or doesn’t take place at all, the seller can suffer irreversible monetary and emotional damage.

Often Realtors feel obligated to take a short sale listing because of their friendship or prior relationship with the seller. Other professionals such as doctors and lawyers refer clients to specialists. Contractors bring in specialized subcontractors. Likewise, Realtors should refer their short sales to Realtors who are experts in this highly specialized field. This way their clients receive the best care and the referring Realtor still gets some compensation. The referring Realtor is still the hero because he or she was resourceful enough to bring in the expert.

Dave Halpern, Broker

(502) 664-7827

Dave Halpern successfully closes dozens of short sales each year in Louisville, Kentucky. Dave has helped many homeowners avoid foreclosure and bankruptcy by skillfully procuring a short sale for them. The seller has zero out of pocket costs. The foreclosing lender pays all closing costs and commissions on behalf of the seller. Many Realtors in the Louisville area refer and outsource their short sales to Dave due to his extremely high success rate.

Please check these testimonials from satisfied clients https://davehalpernlouisvilleshortsaleexpert.wordpress.com/category/david-halpern-testimonials/

How to choose the right Short Sale Realtor http://shortsalesrealtorslouisvilleky.wordpress.com/2010/03/21/short-sales-in-louisville-–the-right-realtor-makes-all-the-difference/

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David Halpern Works through Successful Short Sale for Stressed Family!

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David Halpern helps sell home for a family on the verge of drastic measures.

This letter is to let everyone know that David Halpern and his office saved us almost $35,000!  We were so stressed and on the verge of drastic measures when we contacted David.  Although the process was slow, we hung in there and after 9 months finally got a successful short sale thru David Halpern’s office.

Thank you David!

David Halpern Allows Family to Move on with their Lives!

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David Halpern negotiates a short sale allowing a family out of a stressful situation. This gave them the ability to move on with their lives!

Thank God for Your New Home Today Realtors

We were under foreclosure due to a bad mortgage loan we are now safe from Wells Fargo, Litton Loan and are able to move on with out lives due to the intelligence of this company.

David Halpern Answers Home Sale Problem for Family

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Short sale is the answer to this family's problem!

The first time I heard of this, I thought there is no way, you’ve heard if it sounds too god to be true than it probably is.  This is one of those times to forget it.

This honestly was the answer to all our problems.  My husband lost his job suddenly, taking a $10.00 per hour pay cut.  I knew there was no way we can keep our home.

You can contact me at kitabarnes@insightbb.com if you have any questions.

Thanks Dave and Hope….thanks!

Written by davehalpern

March 18, 2010 at 11:06 pm

Homeowner is Happy they did Short Sale with David Halpern

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David Halpern Negotiated a Short Sale for a stressed family.

We (Perkins Family) truly appreciate the hard work that Dave, Hope, and Kim did pertaining to getting our short sale done.

It only took 5 to 6 months to do the shore sale.  My family is very happy now. I hope that anyone who has any problems with making decisions on his or her future pertaining to their home to please call Dave to help.

PS- If anyone would like to call my cell phone number to verify any of this is true, please do not hesitate to call. (502) 445-3355.

Thank you for everything.

David Halpern Helps Homeowner Avoid Bankruptcy!

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This homeowner was able to avoid a stressful financial situation!

I just want to thank you so very much for helping me to sell my house.

When I thought my last option was foreclosure, you helped me so much with the quick sell program.  I don’t have any debt left on the house.

I’d thought that I had to go through bankruptcy but somehow you got it sold for me, with no money out of pocket.

I really thank you.

PS – I’d advise anyone to this before you lose your home! Once again, than you!

Written by davehalpern

March 18, 2010 at 10:29 pm