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The Steve Hafle Advantage

Steve Hafle showing real estate buyers and sellers his real estate marketing approach on his laptop

 

· Better Homes and Gardens Big Hill Realty 309 N. Barron St. Eaton Ohio 45320

·937-533-7406

· Get maximum exposure for your home

· We put technology to work to sell your home

· Constant commun-ications, always know where you stand

· FREE comparative market
analysis; know the value
of your home

- Born and raised
in Preble
County

Steve Hafle

Better Homes and Gardens Big Hill Realty

 

Foreclosure "Short Sale" Help 937-533-7406

2013 "fiscal cliff"Stop the Sheriff Sale!

Senate 'Cliff' Bill Retains Mortgage Cancellation Relief - Mortgage Debt Relief Act Extended for Another Year

A number of what lawmakers call extenders are in the bill. Extenders keep in place expiring tax provisions. Of most interest to real estate, the bill would extend mortgage cancellation relief for home owners or sellers who have a portion of their mortgage debt forgiven by their lender, typically in a short sale or foreclosure sale for sellers and in a modification for owners. Without the extension, any debt forgiven would be taxable, which, for underwater households, represents a financial burden.

Stop the SheriffStop the Sheriff Sale!

"Here's Your Chance To Quickly and Quietly Stop The Foreclosure Process And Save Yourself the Embarrassment of Having Your Furniture Thrown Into Your Yard by the County Sheriff and His Team of Movers… Even If It's Raining!"

Are you behind on your mortgage payments or have you already received a notice of default?

  • My fees are paid by your bank NOT YOU.
  • Don't ignore the letters from your lender.
  • Contact them immediately and explain your current situation.
  • Contact us to schedule your confidential appointment to discuss the alternatives to foreclosure.
  • If you do nothing you will eventually hear a knock on the door by the County Sheriff. 

All Preble County Sheriff Sales are held in the first floor lobby of the Preble County Courthouse, 101 East Main Street in Eaton, at  9:00 AM on Friday’s.

View a list of upcoming Sheriff sales Sheriff Sales by Date

You Have Options

Did you know the bank may consider allowing us to sell your home for less then you owe?

Normally, debt forgiveness results in taxable income. But under the Mortgage Forgiveness Debt Relief Act of 2007, enacted Dec. 20, taxpayers may exclude debt forgiven on their principal residence if the balance of their loan was less than $2 million. The limit is $1 million for a married person filing a separate return. Details are on Form 982 and its instructions, available now on IRS.gov.

Here Are Some Things You Should Know

  • You may get absolutely nothing from a foreclosure sale, even if you have equity. The bank holding your mortgage only cares about getting back the money they are owed.
  • Beware of scams. Solutions that sound too simple or too good to be true usually are. If you are selling your home without professional guidance, beware of buyers who try to rush you through the process.
  • Your lender does not want your house.

Lenders Want To Deal With Experienced Professionals

All mortgage companies have very specific rules governing short sales:

  • USING AN INEXPERIANCED REAL ESTATE AGENT MAY COST YOU DEARLY
  • YOU MUST HAVE AN EXPERT NEGOTIATOR ON YOUR SIDE
  • MORTGAGE COMPAINIES WILL REFUSE TO TALK TO A REAL ESTATE AGENTS WITHOUT PROPER DOCUMENTATION

Is Your Clock Ticking?

Please do not hesitate to click on “Short Sale Help” or just pick up the phone, 937-533-7406.

Timing is critical and we are here to help you.

 

 

 

 

What is a short sale?

A short sale is a sale of real estate in which the sale proceeds fall short of the balance owed on the property's loan. It often occurs when a borrower cannot pay the mortgage loan on their property, but the lender decides that selling the property at a moderate loss is better than pressing the borrower. Both parties consent to the short sale process, because it allows them to avoid foreclosure, which involves hefty fees for the bank and poorer credit report outcomes for the borrowers.

Short sales are negotiated by a Real Estate Agent whose fees are paid out of the proceeds not by you, the seller.

Call Steve Hafle 937-533-7406 now to stop your foreclosure.

 

 

Contact Steve

 

 

 

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