January 19, 2011

WHY BY AN ORANGE COUNTY FORECLOSURE? SAVE MONEY!

Have you considered purchasing a foreclosure? 

Do you think it might be a hassle?

If you have the ability or the means to do a little cosmetic work then purchasing a foreclosure may be for you.  Of course, some bank owned homes are trashed but most are not.  Most only need paint, carpet and a good cleaning to be back in shape.  The best part about foreclosures it that they normally sell for about 5-10% (sometimes much more) below what a comparable home in the same neighborhood would sell for. This would represent a savings of 25k to 50k in a $500,000 neighborhood. 

Check out what the foreclosure market has to offer.  We have them all separated by city:
Search Orange County Foreclosures by City


Aliso Viejo

La Palma

Placentia

Anaheim

Ladera Ranch

Rancho Santa Margarita

Anaheim Hills

Laguna Beach

Rossmoor

Brea

Laguna Hills

San Clemente

Buena Park

Laguna Niguel

San Juan Capistrano

Corona Del Mar

Laguna Woods

Santa Ana

Costa Mesa

Lake Forest

Silverado/Modjeska

Coto de Caza

Los Alamitos

Seal Beach

Cypress

Midway City

Trabuco Canyon

Dana Point

Mission Viejo

Stanton

Fountain Valley

Portola Hills

Sunset Beach

Fullerton

Newport Beach

Surfside

Garden Grove

Newport Coast

Tustin

Huntington Beach

North Tustin

Villa Park

La Habra

Orange

Westminster

Irvine

Orange Park Acres

Yorba Linda

PROVIDED BY:

MIKE PAHUA

REALTY ONE GROUP

949-309-2400

DRE # 01461649

Rent a Condo or Detached home in Orange County - No Fee Rental Search

Do you have credit issues?
Do you have income from unconventional sources?
Have you recently completed or are about to start a bankruptcy, foreclosure or short sale?

If you've answered yes to any of these questions you should property work with a Realtor to find a home to rent from a private party. Large leasing companies have to adhere to strict guidelines when renting apartments but individual landlord can choose anyone they want to rent their property. 

The best part....   The landlord will pay the Realtor's commissions and you pay nothing!

Why not work with Realtor to find that perfect home to rent?



HAVE YOU CONSIDERED THE SHORT SALE OF YOUR HOME?
GET ANSWERS TO YOUR SHORT SALE QUESTIONS AT, http://www.shortsalesoc.com/


Search Orange County Rentals by City:



Aliso Viejo

La Palma

Placentia

Anaheim

Ladera Ranch

Rancho Santa Margarita

Anaheim Hills

Laguna Beach

Rossmoor

Brea

Laguna Hills

San Clemente

Buena Park

Laguna Niguel

San Juan Capistrano

Corona Del Mar

Laguna Woods

Santa Ana

Costa Mesa

Lake Forest

Silverado/Modjeska

Coto de Caza

Los Alamitos

Seal Beach

Cypress

Midway City

Trabuco Canyon

Dana Point

Mission Viejo

Stanton

Fountain Valley

Portola Hills

Sunset Beach

Fullerton

Newport Beach

Surfside

Garden Grove

Newport Coast

Tustin

Huntington Beach

North Tustin

Villa Park

La Habra

Orange

Westminster

Irvine

Orange Park Acres

Yorba Linda


HAVE YOU CONSIDERED THE SHORT SALE OF YOUR HOME?
GET ANSWERS TO YOUR SHORT SALE QUESTIONS AT, http://www.shortsalesoc.com/




PROVIDED BY:
Mike Pahua
Realty ONE Group
(949) 309-2400
ca dre # 01461649


MIKE PAHUA - ORANGE COUNTY SHORT SALE SPECIALIST - TOP OC REALTOR

Mike Pahua (949) 309-2400 Orange County Short Sale Specialist

Call for your FREE no obligation short sale phone consultation.

View my Short Sale success stories and gets answers to frequently asked questions at: www.ShortSalesOC.com  

REMEMBER...... You may only get ONE chance to do a short sale so you need to make sure you are working with an experienced professional.  If you don't use me be sure the agent you do use can PROVE his/her short sale experience. Helping homeowners and closing their short sale equals experience! Simply paying a couple hundred dollars for a short sale course and earning a short sale title does not equal experience.....Beware.

Last but not least....  Doing a short sale is FREE to you.  Agent commissions and all your closing costs are paid for by the lender!


Here's just a short list of my recently closed short sales:

Irvine: Sold for $613,000 / Owed $630,000 / Lender was WMC Mortgage

Mission Viejo: Sold for $580,000 / Owed $760,000 / Lender was Southstar Funding

Santa Ana: Sold for $380,000 / Owed $589,000 / Lender was SBMC Mortgage

Irvine: Sold for $530,000 / Owed $651,500 / Lender was Lehman Brothers / Aurora

Costa Mesa: Sold for $385,000 / Owed $529,500 / Lender was Bank of America

Mission Viejo: Sold for $560,000 / Owed $812,000 / Lender was Fremont

Orange: Sold for $525,000 / Owed $705,000 / Lender was Clarion Mortgage

San Clemente: Sold for $166,000 / Owed $247,200 / Lender was Loan Link Financial

Aliso Viejo: Sold for $432,280 / Owed $567,000 / Lender was Mylor Financial

Lake Elsinore: Sold for $176,000 / Owed $371,990 / Lender was Wells Fargo

Westminster: Sold for $225,000 / Owed $344,000 / Lender was First Franklin

Huntington Beach: Sold for $560,000 / Owed $710,000 / Lender was Bank of America

Corona: Sold for $300,000 / Owed $ 693,000 / Lender was Bank of America

Garden Grove: Sold for $199,000 / Owed $440,000 / Lender was Bear Stearns

Menifee: Sold for $262,000 / Owed $555,000 / Lender was American Mortgage

Fountain Valley: Sold for $245,000 / Owed $421,200 / Lender was Chase

RSM: Sold for $115,000 / Owed $269,950 / Lender was Clarion Mortgage

Irvine: Sold for $680,000 / Owed $739,000 / Lender was Citibank

Winchester: Sold for $240,000 / Owed $465,500 / Lender was Southstar Funding

Irvine: Sold for $241,500 / Owed $462,600 / Lender was Nations Choice Mortgage 

RSM: Sold for $301,000 / Owed $402,500 / Lender was Mortgage IT Inc

Anaheim:: Sold for $282,000 / Owed $540,000 / Lender was Chase

Laguna Niguel: Sold for $242,500 / Owed $475,000 / Lender was Bank of America

La Palma: Sold for $256,000 / Owed $327,000 / Lender was American Mortgage

More to Come!

Find out more about me at www.ShortSalesOC.com 

Mike Pahua
Top Orange County Short Sale Realtor
Top 1% of Realtors Nationwide (really!)
Realty One Group
(949) 309-2400
ca dre # 01461649 

January 10, 2011

FREE SERVICE FROM TOP ORANGE COUNTY SHORT SALE SPECIALIST, MIKE PAHUA


GET MORE INFO FROM TOP ORANGE COUNTY SHORT SALE REALTOR

Call Mike Pahua at 949-309-2400 before it's too late.

Benefits of a Short Sale:

  • Avoid the Foreclosure on your credit.
  • Stay in your home longer during the sales process.
  • Tax relief under certain scenario.
  • FREE, There Are No Costs To You.
  • Purchase a new home 24 months after completing a short sale. (yes, really!)
  • Attorney Negotiated Short Sale at NO cost to you.
  • Protection against a deficiency judgement by SB -931 (short sales only).

Benefits of working with The Pahua Group:

  • 95% Short Sale success rate
  • Over 11 million in short sale volume in last 24 months.
  • Your Short Sale file is negotiated by an Attorney that I retain.
  • Your Consultation Is Confidential, Free, And There's No Obligation.
  • You Can Cancel The Short Sale Process And Listing At Any Time.

Have you tried a loan mod?


Did you received a loan modification with unrealistic expectations?


Did you pay a loan mod company a retainer with no satisfactory result?


IT MAY BE TIME TO CALL A PROFESSIONAL


I am a full time Short Sale Realtor with an excellent tract record and I am happy to provide plenty of referrals. I only get paid (by the bank) when the job is done. When you hire me, you have nothing to lose.


Please visit my website for more home owner short sale information, faq's, foreclosure information, recently closed short sales and to find out more about me.

Recent Case Files:

Anaheim, CA: Owed 530k on a 1st and 2nd loan. Lender settled for a sales price of 281k. No out of pocket from the owner. Foreclosure date was postponed once.

La Palma, CA: Owed 375k on a 1st loan. Lender settled for a sales price of 265k. Owner was required to satisfy all unpaid hoa dues. Foreclosure date was postponed twice. Property was tenant occupied and the tenant stayed for the new owner.

Laguna Niguel, CA: Owed 475k on a 1st and 2nd cash out loan. Lender settled for a sales price of 243k. Owner was required to contribute 3k to the 2nd lien holder. Both lenders waived the deficiency judgement.

View more case files at www.shortsalesoc.com

Mike Pahua

Realty ONE Group

(949) 309-2400

ca dre# 01461649

Info @ PGcoastal.com


GET MORE INFO FROM TOP ORANGE COUNTY SHORT SALE REALTOR

ORANGE COUNTY SHORT SALE SPECIALIST - MIKE PAHUA - TOP REALTOR - FREE EXPERT SERVICE

SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR



The Short Sale Services I offer:




  • Free, Confidential, and No Obligation Consultation at your home.

  • No Cost to you. The bank will pay the all the commissions and closing costs.

  • No Obligation. Cancel your listing at any time.

  • Weekly Updates on the status of your Short Sale.

  • You may still pursue a loan modification during the short sale process.

  • Industry proven short sale system with a 97% success rate.

  • Experience. I've worked with all the major lenders.

  • You may remain in your home during the short sale process.

  • Discreet Sales Process. No one will know your home is for sale. (some restrictions apply)

  • I am sympathetic to your needs and I will hold your hand the entire time.





Please remember that experience counts. In most cases, you will only get 1 chance to complete a short sale. Hiring the right agent makes all the difference.



The more time you have the better your chances are for a successful short sale.



I urge you to contact me as soon as possible to schedule a Free, No Obligation Consultation.

I only need about 5 minutes to determine whether or not a short sale could work for you.


You have nothing to lose, please call me. I can help. Mike Pahua


SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR






Frequently Asked Questions (FAQ) about Short Sales:





  • Q. What is a Short Sale?


A. A short sale is the process by which a homeowner can sell a house for less money than he actually owes on the mortgage(s). If the bank approves the discount on the mortgage, the home can be sold for a lower price without the seller having to come up with cash to cover the shortfall, and the mortgage is satisfied and the foreclosure process stops.





  • Q. Who pays the fees in a Short Sale?


A. The lender will pay all the real estate commissions and the closing costs for the seller. The lender will often pay back property taxes and past due association dues if applicable. On rare occasions, the lender will require that the seller contribute something ($1,000 - $3,000) to the second lien holder (if any).





  • Q. How do I qualify for a Short Sale?


A. The most important factor in qualifying for a short sale is having a legitimate hardship and being able to prove your inability to repay your loan(s). The short sale process is complex and often frustrating for the seller. It is important that the seller is flexible with the lender?s documentation requests and timelines.





  • Q. What is a legitimate Hardship?


A. Your financial hardship can take many forms. The most common hardships include one or more of the following. Job Loss or Reduction of Income, Divorce, Illness, Mortgage Payment Increases, Debt Increases, etc? Every home owner?s situation is different so you are encouraged to call for a confidential consultation.





  • Q. How long does a Short Sale take?


A. My quickest approval on a short sale took 8 business days (Citibank). My longest approval on a short sale took 18 months (Bank of America). Each lender has a different process and often the timeliness of a short sale is dictated by the individual bank negotiator we are assigned to.






  • Q. Why would a bank agree to a Short Sale?


A. For a lender, doing a short sale avoids many of the costs associated with the foreclosure process. Attorney fees, delays from borrower bankruptcy, damage to the property, repair costs associated with resale, additional property tax, property insurance, etc. all must be paid by the bank during a foreclosure until it?s resold. In a short sale, the lender is able to cut its losses by getting rid of the property faster and avoiding many of the expenses.





Mike Pahua


The Pahua Group


Realty ONE Group


(949) 309-2400 Office


Dre # 01461649









*This is not meant to be a complete or exhaustive advertisement about short sale or foreclosures. Nor, are we giving legal or tax advice in any way. Every situation is different and you are encouraged to obtain legal and tax advice from the appropriate professionals prior to pursuing the services of a short sale agent.*




SHOULD YOU SHORT SALE YOUR HOME? CLICK HERE FOR EVEN MORE INFO FROM TOP SOCAL SHORT SALE REALTOR