Dear Homeowner:

Are you one of the 1000's of Sonoma County Homeowners who might need to sell because you're a victim of the current Real Estate Market?

Many people are asking us, "What can I do if I don't have any equity in my home and I can't afford the payments any longer?

Well, don't worry it's not your fault, we've all had our ups and downs in life and a lot of other good people are also in the same tough spot as you. Life seems scary when you're facing the reality of foreclosure and we know how you feel when you just don't want to answer the phone anymore.....

We can all agree on one thing. We're right in the middle of a national mortgage crisis and in many cases homeowners who have bought or refinanced in the last few years have been seriously abused by unethical lending practices!!

You probably bought your home and hoped (like we all did) that it would increase in value (and some folks were even promised it would!) but most likely the harsh reality is that your home is worth far less than when you bought it and the value is still going down.

Well, we are here to tell you that you DO have options. We work everyday to help hardworking people just like you get out of bad financial situations.

Hi, we are Jeff and Teresa Henderson and we are Short Sale Specialists with 53 years in the Real Estate Business in Sonoma County.

Through a process called A Real Estate Short Sale we can help you:

BE IN CONTROL WHEN YOU WANT TO MOVE

STOP YOUR CREDITORS CALLS IMMEDIATELY OR COLLECT $1,000 FROM THEM"

BE TREATED WITH DIGNITY AND HAVE 100% CONFIDENTIALITY!

WALK AWAY FROM YOUR HOME WITH NO DEBT AND NO TAX CONSEQUENCES

AVOID BANKRUPTCY AND FORECLOSURE PLUS SAVE YOUR PRECIOUS CREDIT

PAY ABSOLUTELY NOTHING (ZERO) FOR OUR SERVICES AND IN FACT WE WILL PAY YOU A $2,000 CASH REWARD!

Here Are Testimonials From Our Clients Who Were Glad They Did A Short Sale.

Jeff helped us settle our debt with both lenders, Wells Fargo & Chase by doing a Short Sale. Within 55 days Jeff had both lender approvals and then closed escrow 30 days later. The Second Deed of Trust was a recourse loan and Jeff successfully negotiated with them not to file a Deficiency Judgment which would have ruined our credit for years. We couldn't be happier. We will be able to buy a home within 24 months.

Adan & Charity Castro

17673 Orchard Ave

Guerneville, Ca

We were very distraught about having to go through the foreclosure process. Through a mutual friend Jeff's name came up about doing a short sale instead. Are we glad we contacted him. Jeff sold our home in 59 days and our lender approved the short sale in just 20 days. We never had to talk with our lender again, and we walked away debt free.

John and Karen Carter

Santa Rosa Ca

Can't thank Jeff Henderson enough for helping us buy a Short Sale Home. Within 21 days we submitted the offer, Jeff had it accepted by the bank and in escrow. The bank paid us over $7000 in loan closing costs to help us buy the home and everything went flawless all the way to the close of escrow. Short Sales are tough, but Jeff made it look easy.

Peter and Jennifer Godden

2535 Edgewater Dr.

Santa Rosa, Ca

Sounds To Good To Be True?

Let me repeat that

If you need to sell your home, but owe more on your home than it is worth, we can help you sell your home quickly and easily, without ruining your credit, going through foreclosure or declaring bankruptcy through a process call a Short Sale.

You will pay us absolutely nothing to sell your home, and in fact we will pay you a $2,000 CASH REWARD.

You will not have the stain of a foreclosure or a bankruptcy on your precious credit to contend with and instead of having to wait up to 5 years to buy another home, you can actually buy again within 18-24 months.

Remember: Lenders approve "Short Sales" and accept the resulting loss in an effort to avoid bigger losses through foreclosure.

Something To Remember About Short Sales:

Short Sales are a different animal than a regular real estate transaction. Once you stop making your mortgage payments, the foreclosure process begins, and the clock starts ticking.

You get one shot to do a successful short sale. If your agent is inexperienced at short sales, makes mistakes, gives up, slacks off, drops the ball, or simply does not know how to negotiate with the banks, you will wind up being foreclosed on by your lender.

Less than 2% of the Real Estate Agents in Sonoma County do Short Sales because of the tremendous tenacity it takes to get the lenders to accept less on your loan.

With a foreclosure looming over you, your impeccable credit you once had and cherished will be gone maybe forever.

Your credit score with a foreclosure will take a hit by as much as (250-400) points and you will be hounded by your lender day and night.

Even worse, you will have difficulty getting credit cards, auto loans, new jobs, or even renting a home for the next 7 years.

Further, depending on whether the loan on your home is a "Purchase Money Loan" or whether you did a "Cash Out Refinance" after your purchase, will determine if you have a "Recourse Loan" or a "Non Recourse Loan".

This makes a big difference as to whether your lender can go after you to repay the debt, even after your home has been foreclosed on.

The good news is, I can help you either way, but the steps are different.

What is a Short Sale?

Simply put, a short sale is a real estate transaction where the homeowner owes the lender more than what their property is worth and they need to sell. In a short sale, the lender must approve and accept less than what they are owed as a full payoff (this means they may settle for $250,000, even if you currently owe them $450,000...even if the loss is hundreds of thousands of dollars).

For the lender to agree to do a short sale you do not have to be behind in payments, except that most people that come to us are. You just need a valid hardship to qualify with the lender.

Below is a list of "hardships" that are common and frequently accepted by mortgage lenders.

Job loss or significant income loss

Family illness or injury

Job relocation when the property is equity deficient

Divorce or split of domestic partners

You are unable or soon will be unable to pay your bills on time

Adjustment in mortgage payment or unforeseen increase in living expenses

Is a Short Sale right for me?

Mortgage lenders are increasingly willing to work with borrowers faced with a financial hardship to accept a discounted payoff of a mortgage. If you are faced with a hardship that makes it likely you will be unable to meet your obligation on your mortgage, your lender would much prefer to settle the matter with you as opposed to taking the property through foreclosure.

Bottom Line, your lender wants to work with you.

Short Sale versus Loan Modification:

When you Short Sale your property with the lender he agrees to take less then what is owed to him. Also with a Short Sale you avoid the pitfalls of Foreclosure and Bankruptcy which can haunt you for years to come. On the other hand a loan modification allows you to keep your property with a payment that is suppose to fit your budget. The catch is they only lower the payment for a while so they can catch you up later on what you really owe. You see I have yet to hear of them reducing the principal to current market value to reflect the true extent of the problem. I don't know about you but who would want to wait, (who knows how many years,) for the market to catch up to the loans so you could start making equity on your investment again. With a Short Sale your credit can rebound within 18-24 months so you can buy a house at a lower price then when you bought the present home you are in today and your financial picture will probably have improved to the extent that you would like to own a home again.

Do Your Homework

Don't trust this process to someone who is inexperienced. You should also be wary of the many companies that actually encourage you to go through foreclosure so that you can live in your home for a few months without paying your mortgage while they try to Modify Your Mortgage with the Lender.

These companies prey on people who are vulnerable and unaware of the California Foreclosure law.

They even charge you hefty fees upfront while the lender proceeds with the foreclosure and you lose the home anyway.

This is financial suicide, and it is totally unnecessary because.....

Your lender does not want to foreclose on your home.

They would much rather have you stay in your home and continue making your payments, while you try to sell it as a Short Sale and get it off their books, even with them taking a financial loss.

Banks are in the lending business, not the real estate business.

With This Said, A Sincere Word Of Caution

Timing is Absolutely Critical.

The sooner you start the process, the more options you will have. The worst thing you can do is procrastinate.

Listen, Teresa and I have developed what we believe to be the best system in existence for doing Real Estate Short Sales.

We were trained by a Chief Loss Mitigator and Asset Manager who was 20 years in the business with Indy Mac Bank, a top ten lender, that was the man that approved or declined short sales.

We have successfully negotiated countless short sales for families just like you and as you can see from our recent approval letters below, we actually get the banks to say YES to our Short Sales.

Before you agree to have an agent help you sell your home, ask him/her to show you just one short sale approval within the last 6 months....I doubt they can.

With knowing how the bank works from the inside we have taught our team exactly how to ethically Beat The Bank ...93.2% of the time! Now It's Up To You...

Are you ready to take a serious look at your options and see how a Short Sale can help you?

All we do everyday is help really nice people sell their homes and save their dignity.

We know about every single method it takes to get your lender to let you do a Short Sale on your home.

Remember: The Lenders pays our commission and all closing costs - You Pay Nothing and we will give you a $2,000 CASH REWARD.

If you would like to learn more about how we help Sellers Short Sale their homes and walk away paying nothing to their lender, have no tax consequences, and save their credit.

Then give us a call and we will walk you through your options.

There's a reason that we outsell the average Realtor by more than 40 to 1 in Short Sales.

If you don't know what else to do and you don't call us at 707-284-3749, what will it cost you in damaged credit, frustration and stress?

If we am unavailable when you call, just leave us a message and we will call you back promptly or email me below.

We Know How You Feel And We Can Help.

Highest Regards:

Jeff Henderson

Teresa Henderson

Short Sale Specialist & Consultant's

Realtor, Creative Property Services

jeffahenderson@sbcglobal.net

teresahenderson@mac.com

Call Jeff&Teresa! 707-284-3749

P.S. Remember, in a Real Estate Short Sale, you pay nothing, you owe nothing, and you save your credit.

Still Not Sure?

At the very least, let us give you some information about your alternatives. The last thing you want to do is go through the foreclosure process. It's draining emotionally and psychologically. And you certainly don't want to face it alone. I've prepared a document we'd like to send you that Details out in simple to understand terms what alternatives you have along with their pros and cons. If you're not ready to call us and let us help you, at least let us send you this information so you can be better informed on your options. We ask for your phone number because we will occasionally call people that we have sent the information to for their feedback.