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Local Services: Napier Home Services
Napier Realtors ERA is pleased to offer you the services of Napier Home Services, a comprehensive program that provides you available local and national services and often savings for your next move. We recommend the partners associated with Napier as being dependable, providing excellent service and a value to you. WHAT CAN YOU EXPECT? CONVENIENCE:
As well as me, you will be given a Personal Coordinator that help you get the serices you need and details of moving for you-saving you time and effort. CHOICES AND SAVINGS:
A variety of products and services from both local and national partners, many with discounts. CUSTOMIZED PORTFOLIO:
You will have access to a highly secured file for your records associated with your sale and/or purchase.
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Short Sales >2. How to Request a Short Sale If you are facing foreclosure and are considering selling your home as a short sale as an out, get in touch with a trusted real estate professional immediately. They will be able to assist you in the process of requesting to short sell your home.
- Your real estate agent will most likely tell you that some banks will not allow a short sale to happen. Contact your lender’s loss mitigation department and speak with a supervisor. Explain your financial situation and ask if you qualify to sell your home as a short sale.
- Ask the supervisor what documents you’ll need to proceed and make copies of those. (Depending on the lender this could be anything from bank statements, tax forms, pay stubs, etc.)
- Ask your real estate agent to come up with a comparative market analysis report to show your lender how much the home is worth based on home sales in the area.
- Write a letter of financial hardship detailing the reasons you are no longer able to make payments on your home.
- When you’ve completed all the aforementioned necessary paperwork, compile it together and mail it to your lender’s loss mitigation department.
- Pending your short sale application approval, request a deficiency release from the bank. The release absolves you of any obligation to pay the balance on the mortgage. If the bank refuses, continue to press the issue.
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| Q |
What is encroachment, and how might it affect a property owner?
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| A |
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. |
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ERA Mortgage can offer you the best rates around! Call 1-866-893-6443 or check out their site to see what I mean...
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