Dear Homeseller,
Are you one of the 1000's of Southern California homeowners who needs to sell, but owes more on your home than it's worth?
Are you wondering what your options are in dealing with your lender?
Hi, I'm Matt Battiata. I've been one of the top selling agents in San Diego & South Riverside County since 2001.
You may have seen my TV commercials over the past few years, heard my real estate radio show, or seen my ads advertising homes for sale in the newspaper.
I have some good news for you.
Through a process called a Real Estate Short Sale, I can help you:
- Sell Your Home Quickly and Easily For Top Market Value
- Pay Absolutely No Commissions & No Closing Costs
- Avoid Foreclosure & Bankruptcy
- Save Your Credit
- Walk Away From Your Home With No Debt And No Tax Consequences
Sound too 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, I can help you sell your home quickly, easily and for top market value, without ruining your credit, going through foreclosure or declaring bankruptcy.
You will pay absolutely nothing to sell your home, and you will owe nothing to your lender.
You will not have the stain of a foreclosure or a bankruptcy on your credit, and instead of having to wait up to 7 years to buy another home, you can buy again within the next 24 months.
A short sale actually saves your credit. It is treated by your lender as a "settlement of a debt", and as opposed to a foreclosure or a bankruptcy, it is infinitely easier on your credit.
I know because I have helped 100's of homeowners do exactly this just within the past several months.
In fact, my team and I have negotiated more successful Short Sales over the past 12 months than any other agent in San Diego or Riverside County.
Here are just a few of our many happy customers, who were able to save themselves financially through a real estate short sale:
"We were about to declare bankruptcy on the advice of a bankruptcy attorney. We thought we had no other option. Fortunately, we heard about Matt through a friend. Matt sold our home in only 19 days and got our mortgage company to approve the sale!"
Jeremy H., San Marcos, CA
"I tried to sell my home for 6 months through another agent with no activity whatsoever. I also tried to get my lender to lower my interest rate and my payments so I could stay in my home - that failed too.
Matt sold my home in 22 days, negotiated with the bank to accept over a $100K loss, and then helped me repair my credit so I could qualify to buy another home. I cannot recommend him and his company highly enough."
Anthony O., Chula Vista, CA
"Matt sold our home fast - before any of the other homes on our street - and coordinated the entire transaction with our mortgage company so the sale would go through. We never had to talk with our lender again, and we walked away debt free."
Tina P. Carlsbad, CA
"When you sat in my living room and told me you would have my home sold and my debt settled in 2 months, I will admit I was more than a little skeptical. But you came through - you truly are a man of your word! On behalf of my entire family, I cannot thank you enough!"
Julie A., Murrieta, CA
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.
And you do not want to go through foreclosure.
Your credit will be ruined, with your credit score taking a hit by as much as 300-400 points (or more) and you will be hounded day and night by your lender.
Even worse, you will have difficulty getting credit cards, auto loans or even renting a home or an apartment for the next 7 years.
Your home will be repossessed by the bank, and then the bank will sell your home, either at auction, or more likely through a real estate agent, with a large sign out front that says "Bank Foreclosure".
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, you either have a "non recourse" or a "recourse" loan.
This makes a big difference as to whether your lender can go after you to repay your debt, even after your home has been foreclosed on.
The good news is, I can help you either way, but the steps are different.
So do your homework, and 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.
These companies prey on people who are vulnerable and unaware of the foreclosure and mortgage laws. They even charge you a hefty fee for the privilege of getting foreclosed on!
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, or have you sell it and get it off their books, even with them taking a financial loss.
Banks are in the lending business, not the real estate business.
Which brings me to my next point:
It makes no difference who your lender is.
Countrywide, Chase, Wells Fargo, Bank of America, Downey Savings, CITI, Chevy Chase, Washington Mutual, Wachovia, World Savings, EMC, First Franklin, Flagstar, GMAC, Greenpoint, Homecomings, Home Eq, HSBC, Irwin, National City, Novastar, Option One, Ocwen, Aurora, Deutsche Bank.
I've worked with all of these and more.
Finally, you should be wary of the many attorneys who have gotten into the short sale & loan modification business recently.
Their websites attempt to scare people into thinking that they would be crazy to attempt a short sale without the assistance of an attorney; that realtors are not qualified to negotiate short sales and that California Department of Real Estate forms are somehow not adequate in protecting a seller's rights.
I am especially sensitive to this sales pitch because I hear the horror stories on a daily basis from people who are now facing foreclosure because the law firm they hired (and paid upfront) was unable to sell their home, and unable to negotiate a short sale approval.
A short sale is a real estate transaction that requires an approval from the lender. Period. It is not some complicated legal process that requires paying a retainer to an attorney.
Bottom line, I think most people can see the irony in an attorney's website that repeatedly stresses that, conveniently enough, you must have an attorney to do a short sale.
With that 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. All it takes on your end is a phone call.
So call me, or send me an email.
Listen, I have developed what I believe to be the best system in existence for doing real estate short sales.
As I mentioned earlier in this letter, I have completed more successful real estate short sales in the past 12 months than any other agent in Southern California.
So call me. I know what I'm doing, and I can help you.
For more information, and a FREE, no obligation, over-the-phone consultation about your unique situation, call me at 1800 9800 MATT.
There's a reason that I outsell the average realtor by more than 40 to 1 - Call me today and find out why.
Thanks for reading this.
I hope to talk with you soon.
Sincerely,
Matt Battiata
Broker / CEO
The Battiata Real Estate Group
Short Sale Specialist
1 800 9800 MATT
P.S. Remember, in a Real Estate Short Sale, you pay nothing, you owe nothing, and you save your credit.
Call me today to discuss your unique situation or simply fill out the form below.
