Homeowners...                      Before you consider a short sell, contact your bank and ask about the following programs.... Home Affordable Refinance Program (HARP) Many homeowners pay their mortgages on time but are not able to refinance to take advantage of today’s lower mortgage rates perhaps due to a decrease in the value of their home. A Home Affordable Refinance will help borrowers whose loans are held by Fannie Mae or Freddie Mac refinance into a more affordable mortgage. Home Affordable Modification Program (HAMP) Many homeowners are struggling to make their monthly mortgage payments perhaps because their interest rate has increased or they have less income. A Home Affordable Modification will provide them with mortgage payments they can afford. Home Affordable Foreclosure Alternatives (HAFA) Many homeowners may feel that they can no longer afford their home, but want to avoid the negative effects of foreclosure. The Home Affordable Foreclosure Alternatives Program offers homeowners $3,000 to help transition to more affordable housing when they complete a short sale or deed-in-lieu of foreclosure.   Source: http://makinghomeaffordable.gov/index.html Why call Oscar Barragan?                        *    Are you having trouble making your payments?                                  We get banks across the nation to negotiate a short sale approval to get your home sold!                                                        *   Do you owe more money than your home is worth?                                 We get banks to settle for less than what you owe with a short sale.                            *    Are you thinking about just walking away from your home?                                  A foreclosure on your credit is a million times worse than a short sale.                                  We get banks to stop the foreclosure process even if you are months behind on your mortgage.                                *   We are so confident that our service will work for you that we stand by the following:                                    I am an experienced Short Sale Agent.                                I provide 100% free counseling.                                I come to you.                                I work around your schedule.                                I do not charge you fees or commissions for my services.                                 I get banks to pay for closing cost and  fees.                                *  More about short sales     Name: Address: Phone Email: CURRENT STATUS: I have received a Notice of Default I am late on my payments by this many months: - Select an Option - 1 2 3 4 5 6 or more I am not late yet Best time to reach me is: Evening Morning Night Noon Enter the code in the field below: Refresh

 

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Oscar Barragan REALTOR® REO Division 12501 Philadephia St. Whittier, CA 90601  Direct: (562)237-8036 Office: (562)907-4004 ext 236.  Oscar@OscarBarragan.com