Hello everyone my name is Josie Apodaca with Keller Williams Realty in Colorado thank you for your time today. I work with distressed property owners in the Colorado area and use this blog to share valuable information on the many real estate options available to a homeowner who may be facing foreclosure. If you are behind on your mortgage or have seen the value of your home greatly diminished please take a minute to browse my website or contact me directly in order to discuss how I may be able to help you.

For my blog today I wanted to talk with Colorado luxury homeowners who may be considering a short sale or another option for getting out from under your mortgage debt. Whether you can no longer afford your mortgage or have seen your balloon payment become too large to afford there are plenty of options for avoiding foreclosure. Also, given the weak housing market in Colorado over the past few years your luxury home may be worth considerably less than what you bought it for. It is important if you find yourself in this situation that your short sale agent has experience handling high dollar homes that reach in to the millions of dollars. To date I have been super successful in negotiating luxury home short sales to a reasonable property value with a qualified buyer willing to step in. On a recent Colorado luxury home short sale I was able to sell the property for five hundred thousand dollars less than what was owed on the mortgage with all deficiencies waived in order to protect the homeowner from any liability.

If you have a luxury home in the Colorado area it is important to know that not just any short sale agent can handle your specific needs. For more information or to get started today give me a call or visit my website. Thank you for your time and I hope to hear from you soon at the Apodaca Team.

Hello, this is Josie Apodaca with The Apodaca Team. I’m a short sale specialist in Colorado. If you’re searching around on the internet and looking for information about short sales, how to do a short sale or who to hire to do a short sale, then you’ve found the right video. It is very important that you do your research on the real estate agent that you are hiring to help you with a short sale. There are many agents that will list a home as a short sale, but there are not very many successful agents when it comes to closing the short sale. Unfortunately, there aren’t many real estate agents that take the time to get properly educated and learn about the short sale process by taking classes and finding the proper resources to learn how to negotiate and close short sales. Our team to date has successfully closed a little over 200 short sale files. We are familiar with all of the bigger banks as well as a lot of the littler banks and credit unions that are located here in Colorado.

The first question that you really should be asking the real estate agent that you’re interviewing about the short sale is how many short sales they have successfully closed. Ask them whether or not they have staff to process that. We have a dedicated full time negotiator on our team; that’s all she does every day is negotiate our short sales and contact the lenders and sellers to keep them fully informed of what’s going on with the transaction. We also are very successful in our closing ratio so if we take a short sale, we’ll do a pre-qualification with you to see if it is actually going to be a viable solution for you because we don’t want to waste anyone’s time. We have a 93% closing ratio of all the short sales that we take.

Again, if you’re searching the internet for a good short sale expert and need help, even if you’re not in Colorado, reach out to me and I can refer you to someone closer to you. I do network with many experienced real estate agents throughout the country, so please don’t hesitate to contact me at 720.241.5180 for all of your short sale questions.

Hello everyone my name is Josie Apodaca with the Apodaca Team, your Colorado short sale specialist, I hope you’re having a great day. I work with Keller Williams Realty in the Colorado area and use my blog to help distressed property owners find the best solution to their real estate needs. If you are having trouble paying your mortgage each month or are already considering a short sale I want to help you avoid foreclosure and get out from under your mortgage debt.

For my blog topic today I wanted to speak to those homeowners who may already be facing foreclosure or have received a notice in the mail. Many times Colorado homeowners have contacted me after the foreclosure sale process has already started and they want to know what their options are. There are several options available to a homeowner is this situation but it all depends on how much time we have until the sale date of your home. If there is only a few days until the sale your only option would be bankruptcy in order to stop the foreclosure through the legal system. However, if there is a couple of weeks or even months we can certainly get the short sale process started and possibly push back the foreclosure sale date of your Colorado property. If you happen to qualify for a government sponsored short sale program, such as HAMP or HAFA, you would stand a very good chance of avoiding foreclosure once your loan is reviewed.

So if you are nearing foreclosure don’t give up you still have options for getting our from under your distressed property without ruining your credit. Give me a call today with any of your Colorado real estate questions to figure out what options you may have. Thank you for your time today and I hope to hear from you soon at the Apodaca Team in Colorado.

Hi, this is Josie Apodaca in Colorado, your short sale specialist answering all of your questions regarding short sales. Today I’d like to share with you the foreclosure timeline for most of the counties in the Colorado area. I get asked this question a lot because people are unsure what to expect or what’s going to happen once they stop making their mortgage payments.

For the most part, most lenders will send you several collection notices once you miss that first month’s payment; they’ll start to make phone calls to you and go through the normal collection process with you. After about three months of missed payments they will more than likely send you a demand letter or refer your file to an attorneys office and that’s how you know the foreclosure process is going to start. The attorney’s office will give you at least 20 days in a demand letter to catch up on your payments and get your mortgage back into good standing. If you don’t do that, then generally at the end of the 30 day timeframe they will file what’s called a Notice of Election and Demand with the county public trustees office for the county that you live in. Once they do this they will post a notice on your front door, so you will be aware that the process as started. The foreclosure sale date will be scheduled somewhere between 110-125 days from the time the Notice of Election and Demand has been filed.

All in all, you can expect that once you stop making your mortgage payment until the time that your home actually goes to sale on the auction block will be five to six months. You don’t want to wait until the last minute to sell your home and do a short sale. Once the foreclosure process starts you’re working against the clock so it’s really important that you get help and advice early on in the process.

Please feel free to call me with any foreclosure or short sale questions and concerns. My direct number is 720.241.5180 or you can visit our website and get more short sale and foreclosure information there as well.

Hi, this is Josie Apodaca and I am a short sale specialist in the Colorado area. Today I just wanted to share with you some information about Wells Fargo’s Fast Track Program. We have not seen very many of these programs run through the Colorado area right now, and quite frankly just because there aren’t a lot of real estate agents that know a lot about it. I am one of the few specialists that have been trained in this program and we have our own negotiating team that helps us process these files.

So, if you have a loan with Wells Fargo that qualifies for the Fast Track program, we can help you with that. There are some great benefits to that program with a few of them being that they are offering seller incentives. You could be paid $3,000 to $5,000 dollars at closing at the successful closing of your short sale. Also, they are waiving all deficiencies, so that means that they will not try to pursue you for anything that is due after the sale of the short sale for that deficiency amount.

Also, the process is much quicker and easier than a traditional short sale. We are seeing approvals in about two to three weeks on the short sales for the Fast Track program. They will most likely only require a hardship letter from you. So you would not have to keep updating your financial information either.

If you would like to find out if you qualify for Wells Fargo’s Fast Track program, please give me a call today. You can reach me directly at 720-241-5180 or click on one of the email links on our website and I’ll get back to you as soon as possible. We will help you find out if this is the program for you.

Again, this is Josie Apodaca, I’m one of Colorado’s short sale specialists and I’m here to help. Please contact us today so we can find the best solution for your situation.

Welcome and thank you for joining me today, I’m Josie Apodaca and I’m a Colorado short sale specialist. If you received a letter in the mail from World Savings or Wells Fargo offering you an incentive to short sale your home because you have fallen behind on your payments, you might be asking yourself if that incentive is legitimate. I’m here to tell you that it is.

I am a World Savings/Wells Fargo fast track specialist here in Colorado. We help homeowners utilize the fast track program in order to receive incentives from their lender to sell their home as a short sale. They have streamlined the process for the specialists in Colorado; we have a dedicated department that we have access to in order to process the short sales through. The process is streamlined and it’s very simple for the homeowner to go through it. The short sale can actually be done and approved within 60 days.

If this is something you’re thinking about doing and you want to get out from underneath your upside down home and you want to get it sold, we can help you with that. We can go over all of your options with you and discuss the entire program with you so that you understand it fully and know what all of your responsibilities are. This will release you from the liability of what you owe on the mortgage as well.

Please give me a call at 720.241.5180 or email me through one of the links on the website that you’re watching this video on. I’ll be sure to get back to you as soon as possible, answer all of your questions and let you know how we can help you. Thank you again for joining me, I’m Josie Apodaca, a Colorado short sale specialist.

Hello everyone my name is Josie Apodaca with the Apodaca Team here in Colorado thank you for your time today. I work with Keller Williams Realty in Colorado and work with homeowners every day to help them avoid foreclosure through the short sale process. If you can no longer afford your mortgage or have seen the value of your home greatly diminished visit my website or call me directly to discuss all of your real estate opinions.

For my blog topic today I wanted to discuss a great new program for homeowners with a mortgage through World Savings Bank. World Savings has recently joined together with Wells Fargo to create the Fast Track Program that will offer several new incentives to homeowners that are considering a short sale on their distressed property. The Fast Track program is a fairly simple process and I am proud to say I am one of the few agents in Colorado who already has experience working with this exciting new program. One of the benefits of this program for a seller is that it requires much less paperwork and income documentation than a normal short sale file. On top of this World Savings will also provide between three and five thousand dollars in relocation funding for completing the Fast Track program.

So if you have a mortgage through World Savings I would be more than happy to sit down and explain all the great benefits to their short sale program. If you have questions on your mortgage or are already considering a short sale you can also stop by my website to find even more information on different short sale topics. Thank you for your time today and I look forward to hearing from you soon at the Apodaca Team in Colorado. Have a great day.

Hi my name is Josie Apodaca and I’m a short sale specialist in Colorado. Today I would like to talk to you about why you might want to choose to do a short sale if you have a loan with Wachovia.

I am a specialist with Wachovia short sales and am one of the few people in Colorado that have direct access to a specialized team within the departments of Wachovia so that we can get short sales done in a very timely manner. If you’ve been facing the dilemma of whether or not you should sell your property with Wachovia mortgage, you may have had an ARM that’s adjusted dramatically and you’re no longer able to afford the payments, please contact me today and we can talk about some of your options. Wachovia has put into place a fast track program for short sales that allows you to expedite the process within their system. You do have to have access to the specialty team in Chicago, which only a handful of realtors across the nation have that information and I’m one of them.

A couple of benefits as far as doing the Wachovia fast track program is that there’s very little documentation that is required, you find out rather quickly if you qualify for the program and also what the value of your home is so we can sell it very quickly. Overall, it’s seemingly painless compared to other short sales that are out there.

I’d like to talk with you about it some more so please give me a call at 720-241-5180 or send me an email by clicking one of the links within the website. I’d be happy to contact you right away. Thanks again for joining me, I’m Josie Apodaca, a short sale specialist in Colorado.

Hello everyone my name is Josie Apodaca with Keller Williams Realty in Colorado thank you for checking out my blog today. I am a short sale specialist with the Apodaca Team and I use my blog to provide distressed homeowners with valuable information on their options for avoiding foreclosure. If you live in the Colorado area and your mortgage is underwater please contact me today in order to learn more about what to do with your distressed property.

For my blog today I wanted to talk about some great news for Colorado homeowners with a Wachovia Bank mortgage. Recently Wachovia has been sending out letters to Colorado homeowners letting them know of a new incentive program for completing a short sale. This new program put together by Wachovia and Wells Fargo is called the Fast Track program and offers some new incentives to homeowners who choose to complete a short sale. Through the Fast Track program you do not need to provide any income documentation and it is not required to be delinquent on your current mortgage. The only qualification for this program is that your home is worth less than what you currently owe on your mortgage. A program for homeowners with qualifications like this can certainly serve to help plenty of Colorado homeowners who are tired of paying their mortgage each month.

If you have received one of these letters from Wachovia recently please contact me to get started on the Fast Track to selling your distressed property. I have the knowledge and experience to answer all of your short sale questions and get you out from under your mortgage. Stop by my website or call me directly in order to arrange a free consultation. Thank you for your time today and I look forward to hearing from you soon at the Apodaca Team.

Hi, this is Josie Apodaca with Keller Williams and the Apodaca team, your Colorado short sale specialists. A lot of our clients ask why they should try to go for a HAFA short sale or the making homes affordable government program for short sales. There are two major reasons why you want to push hard to get qualified for that program.

The first one is that the lender will fully forgive you of the deficiency balance. You won’t have to worry about a deficiency judgment or them pursuing you for up to seven years after the short sale for that balance.

The second reason is that they will pay you $3,000 at closing for relocation expenses. So there are three things that you must qualify for in order to be eligible for the HAFA program. The first thing is that it has to be your primary residence or your principle residence and you currently occupy that property or it cannot have been vacant for more than 12 months from the time that you submit for your short sale.

The second thing is that your loan amount needs to be less than $729,750. Also the loan has to be originated before January 1, 2009. So if those three things apply to you, you should be able to qualify for the HAFA short sale program. A lot of our clients are turned down the first time that they apply for it so it is important that you fight for it and try to get it in the right department so you are appropriately evaluated for that program.

If you have any other questions, feel free to contact me at 720-241-5180. You can also check out our short sale calculator. That will help you make a decision as to whether a short sale is right for you. Just click on our website and it will take you to the calculator page. Again, this is Josie Apodaca with Keller Williams, your Colorado short sale specialists and we’re here to help. Please contact us today. Thanks and have a great day.