Warning! You Might Lose Your Home If You Do Not Take the Perfect Steps Right Now…….In Precisely the Right Order!
. In Thirty Days You Could Be Homeless!
Miscues Here Could Cost Your Home Ownership Now and in the Future!
You Don’t Know What To Do?
DO NOT PANIC! I Have Solutions for You!
Let me share what is most likely, the best alternative for you instead of waiting for a public foreclosure. This time sensitive information could change several aspects of life for you and alleviate many complicated problems that come with the public foreclosure process.
If you would like to avoid all the hassles and embarrassment of the public foreclosure process, even think it is possible that you owe more on your home than what it is worth, even if the house is worth more than you owe it still will be foreclosed, view the comparison chart below.
Call or text# Understanding to (910-398-5151) For a short recorded audio information guide on the Foreclosure Process.
This a guideline, and should not be considered applicable to every case file. But it can serve as a rule of thumb in determining your best course of action.
| Matter | Foreclosure | Expedited Sale |
| Credit Impact | Score may be lowered approximately 250 to over 375 points. Usually, will impact credit score for 3-10 years | Only late payments on mortgage will show and after sale mortgage will be reported as paid or negotiated. |
| New Loan- Primary Residence | A homeowner who loses a home to Foreclosure is ineligible for a FNMA- Fannie Mae backed mortgage for a period of 5 years | A borrower who successfully negotiates and closes an expedited sale can still be eligible for a mortgage. |
| New Loan- Investment | A homeowner who goes through Foreclosure is ineligible for a Fannie Mae backed investment mortgage for a period of 7 years | A homeowner who successfully negotiates and closes an expedited sale can still be eligible for a Fannie Mae backed investment mortgage. |
| Deficiency Judgment | In 100% of foreclosures (*except in those states where there is no deficiency) the bank has the right to pursue a deficiency judgment. *Current Anti-Deficiency / Non-Recourse States: Alaska, Arizona, California, Connecticut, Florida, Idaho, Minnesota, North Carolina, North Dakota, Texas, Utah, Washington… (Subject to change) | In most expedited sales it is viable not have a deficiency judgment against the borrower completely. |
A Notice of Default Should Not be Ignored!
You don’t have to lay awake at night worrying. I have several options that may might be able to stop all of this for you…..Foreclosure Does Not Have To Be the Result!
I Can Help You!
When you hire me I will be your Certified Default Intermediary in working with the bank to handle all the paperwork necessary to help you stop the foreclosure process.
When we talk about your case, and through the entire process there isn’t any kind of cost that you will incur. You will choose the best option for you.
My consultation as your Intermediary is completely FREE.
Michael Brown Broker Coastal Lights Realty 5622 East Oak Island Drive Oak Island NC 28465 910-398-5151
P.S A Notice of Default will progress along. If you ignore it. One day you will be looking at a sheriff’s deputy with an eviction notice. As mentioned, I will be your Certified Default Intermediary in working with the bank to handle all the paperwork necessary to help you stop the foreclosure process. There isn’t any need for you to deal with all of the embarrassment and grief of being dragged through a public foreclosure.
Call or text# Understanding to (910-398-5151) For a short recorded audio information guide on the Foreclosure Process.
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