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Do I Qualify For A Short Sale?

To qualify for a short sale, lenders will typically want to see a homeowner display one or more of the following: financial hardship that limits your ability to pay your mortgage, a monthly income shortfall that leaves your cashflow consistently low, or insolvency, which is the lack of liquid assets that could help you pay down your debt.

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What Is A Mortgage Modification?

Some homeowners qualify for a mortgage modification, which is the process through which a lender can change the interest rate, lower the principal balance or make the loan terms more favorable to the borrower. Mortgage modifications give lenders options before pursuing the long and difficult process of foreclosure.

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Why Would A Lender Modify My Mortgage?

Lenders are incentivized to offer mortgage modifications because of the expense and difficulty of the foreclosure process. Repossessing a home can take months if not years in legal proceedings and cost a lender up to 50 percent of the home's total value in processing expenses, making modification an attractive prospect for both parties.

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What Is A Home Affordable Refinance?

Mortgages from Fannie Mae or Freddie Mac may be eligible for a resource known as Home Affordable Refinance. This option allows homeowners to refinance their properties and lower their monthly payments to increase their financial flexibility.

Grants, New Mexico Residents:
Cheap Properties: We Buy Them. Now.
Cheap Properties: We Buy Them. Now.

What Are Handyman Specials?

Distressed properties which require extensive repair are usually referred to as Handyman Specials. They are usually sold at very low prices since the buyer will have to spend much on repair and renovation. It is important you know exactly how much it would cost you to have the property fixed up to estimate your potential profit. You can do so by working with an experienced and professional contractor.

We specialize in distressed homes.

What are Fixer Upper Homes?

These distressed properties – as their name suggest – requires fixing up. Investors consider these properties as the perfect choice for flipping since they can be bought for a fraction of their market values. Obviously, you will have to order a thorough home inspection to determine how much it will cost you to repair the property. Once they have been repaired and renovated, they can be sold for considerable profit, which is why many real estate investors consider them gold mines.

We specialize in distressed homes.

What do I need to get started with distressed homes investing?

To get you started on your distressed homes investing, you will need to educate yourself about everything there is to know about properties in distress from buying to cashing in on your investment. Of course, you have to understand your success will be greatly dependent on finding the best deals.

What Do I Need To Qualify For A Mortgage Modification?

The Making Home Affordable Web site (, states that homeowners will need the following information for lenders to consider a modification:

  • All information about your primary mortgage, such as a monthly statement
  • Any information about secondary mortgages or line of credits on the property
  • Balances and minimum payments due on any credit cards
  • Balances and minimum payments on all other debts

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Information for Grants, New Mexico

Grants, city, seat (1981) of Cibola county, west-central New Mexico, U.S., on the San Jose River. The site of a skirmish between Navajo and Comanche Indians in the early 19th century, the town was established in 1881 when the Grant brothers, contractors building the Atchison, Topeka and Santa Fe Railway, located a construction camp at what became known as Grants Station. Originally a livestock shipping point, it was later supported by lumbering and vegetable farming. Uranium ore was discovered in the nearby Ambrosia Lake district in 1950, and the mining, milling, and processing of the ore nowcomprisethe major industry.The Mining Museum, Grants, N.M. Anna Dalmaterra The area contains considerable uranium reserves. Ancient Indian pottery has been found beneath local lava beds that flowed centuries ago from Mount Taylor to the northeast. Parts of the Cibola National Forest and the Acoma Indian Reservation are tourist attractions. A branch of New Mexico State University is in the city. Inc. 1941. Pop. (2000) 8, 806; (2010) 9, 182.

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Grants - Cheap Properties: We Buy Them. Now. Articles

The one reality about today's housing market is that many people have more questions than answers. The following information is intended to help you or someone you know better understand your situation.
Do I Qualify For A Short Sale?

The qualifications for a short sale include any or all of the following:

Financial Hardship - There is a situation causing you to have trouble affording your mortgage.
Monthly Income Shortfall - You have more month than money. A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency - The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

What Is A Mortgage Modification?

A mortgage modification is a process through which your mortgage lender changes any or all of the following:

Your interest rate
Your principal balance (through a reduction)
Your loan terms (example: from an adjustable to a fixed rate)
This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.

Why Would A Lender Modify My Mortgage?

Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.

What Do I Need To Qualify For A Mortgage Modification?

According to the Making Home Affordable Web site (, you will need the following information for your lender to consider a modification:

Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit on the house
Account balances and minimum monthly payments due on all of your credit cards
Account balances and monthly payments on all your other debts such as student loans and car loans
Your most recent income tax return
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources
If applicable, it may also be helpful to have a letter describing any circumstances that caused your income reduce or expenses to increase (job loss, divorce, illness, etc.)
How Do I Qualify For A Mortgage Modification?

The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):

Loss Mitigation
Mortgage Modification

Prior to contacting your mortgage lender you can quickly complete an eligibility test at This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP).

For a list of mortgage lenders and servicers, visit

What Is A Home Affordable Refinance?

If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.

What If I Don't Qualify, Can't Afford My Home, And Owe More Than It's Worth?

You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents with the 'Certified Distressed Property Expert' Designation have undergone extensive training in how to process and negotiate short sales.

A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.

What Are The Qualifications For A Home Affordable Refinance?

According to the resources released by the government, following are a list of qualifications:

You are the owner occupant of a one- to four-unit home
The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
At the time you apply, you are current on your mortgage payments (you haven't been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan.


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