The INTERNET Brokers

Call (856) 428-2800
or (877) 408-2800
 

Are you behind on your payments?

Here are some of your options:

bulletSave your home - Modification or forbearance.  This will vary according to the type of mortgage you have.
bulletSell your home - "I have equity I want to preserve."  We can save your equity by having the lender give us time to properly market your home so as not have a "distress sale."
bulletI owe more than my home is worth - We can, in your behalf negotiate with your lender for a "short sale."  Banks will pay the commission if you allow us to do the negotiating for you. That is how important it is to THEM to deal with your Realtor.  We can help them satisfy certain regulations required to affect a "short sale."
bulletForeclosure - This is a financial DISASTER to be avoided at all costs.  PLEASE allow us to show you your options by contacting us.

Foreclosure Timeline
The time line for a foreclosure dictates the options you have.  The longer you wait to deal with the problem the less options you have.

30-90 Days late
Many more options - including saving your home - than folks know about, and many are not very painful.

90 Days +
The absolute best options and opportunities to save you home lessen and are much more restrictive. This also diminishes some of the sales opportunities.

Attorneys letters - Lis pendens
Several easy solutions are no longer available.

Sheriff notice
We can still salvage your credit and equity but every day you allow to go by lessens what we can do for you.

Sheriff sale and foreclosure!!
PUBLIC RECORDS will show this legal action for at least 7 YEARS. This does NOT happen with almost all the other options we can employ for you.  With Foreclosure, your credit is devastated. The reduction in your credit score is more then 2 or 3 times what it is for some other options.

If foreclosure is avoided…..
We can assist you to bring your credit back to a level for you to again own your own home much sooner than you think, many time in just months.

Our staff is unique in the marketplace
They have collectively invested over $100,000 in educational courses & seminars on this subject taught by national experts in the field.  Banks and other lender representatives make it clear that they ONLY want to negotiate with INFORMED REALTORS. This is so IMPORTANT to them that the BANK will PAY the COMMISSION!!

If you would like more information call 856-428-2800 or click here.

 

Pat Murphy.com Inc. Realtors
1201 Marlton Pike West | Cherry Hill NJ 08002-3532
  Phone # 856-428-2800  Fax # 856-427-9163
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