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LESLIE LAWSON
Realty Executives
Temecula Valley
31213 Temecula Pkwy. Suite 100
Temecula, CA 92592
Phone: 951-852-0080
Mobile: 951-852-0080
Fax: 951-326-3106
Email: leslielawson@realtyexecutives.com
DRE #: 01896125 Facebook Fan Page
Open House in Murrieta
Standard sale. This beautiful home was just remodeled inside and out. The pool and spa is all remodeled. The landscaping is all redone. The entry has beveled limestone and has 20′ ceilings. The entry steps down to the beautiful mahogany hard wood floors. The kitchen is stunning with stainless steal wolf and sub zero appliances. The rich marble counters and custom cherry cabinets are set off buy the mahogany floors. The kitchen has lots of cabinets and counter space including a walk-in pantry. The island with the separate 8 burner wolf gas cook top, large prep sink and that beautiful stainless steal hood fan really makes for a great looking kitchen. There are 3 fire places in the living room, family room and in the master suit. The master bath has it all, separate large shower with multi heads, spa tub, double sinks a makeup area and a hug closet that has it’s own island. There is a balcony off the master for taking in the views of the valley and even just a peek at the golf course green.
Leslie Lawson, Realtor
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Temecula Short Sale Agent
Check out my short sale video
Short Sale Video click here
My name is Leslie Lawson and I am a Temecula Short Sale Agent that advocates for my clients. There is nothing worse than doing nothing!
Tough Decision:
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Behind on your mortgage?
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Having trouble making payments?
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Can I avoid foreclosure & save my home?
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Can I lower my payments?
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Is short sale my best option?
Honest Answers:
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I can help you avoid foreclosure…and explain your options!
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Avoid foreclosure opt for a short sales. I have helped many families with the assistance of my short sale negotiation team, which I pay for!
There is NO out of pocket cost to you and I provide free consultations. The bank pays my commission and any fees!
Call me today, you have nothing to lose and everything to gain!
Leslie Lawson, Realtor
Realty Executives Temecula
Call me…
I answer!
951-852-0080 direct/text friendly
leslielawson@realtyexecutives.com
Posted in Area Info, For Sellers
Tagged agents in temecula, avoiding foreclosure, finding an agent, foreclosure counselors, foreclosures in temecula, Homes in Temecula, leslie lawson, MLS, realty executives, scams, short sale agents temecula, short sale specialist, short selling, Temecula, temecula short sale agent, Temecula Valley
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Short Sale Agent in Temecula
Considering short selling your home instead of letting it go into foreclosure can be an easier processing if you’re working with an expert Short Sale Agent in Temecula.
There are many questions that come along when weighing out the options of short sale vs. foreclosure. As in expert short sale agent I bring the right people to the table right from the beginning. I hire at no cost to you a short sale negotiate team that advocates with me for your best interest.
Watch this short video on short sales: click here short sale agent in Temecula
Call me today to set up a free no obligation meeting to discuss your options and get you on the road to success.
My team and I advocate for you, will you let us help you?
Leslie Lawson Realty Executives
951-852-0080 call email or text
Posted in Area Info, For Sellers, Videos
Tagged agents in temecula, avoiding foreclosure, finding an agent, foreclosure, foreclosure counselors, foreclosures in temecula, home sales, homes for sale, homes for sale in temecula, homeselling, how to short sale my home, leslie lawson, looking for a realtor, MLS, short sale agent temecula, short selling, short selling my home, temecula short sale agent, Temecula Valley, temecula wine country
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Homes for sale in Temecula
As you start looking at homes for sale in Temecula, it’s important to work with the right agent who has experience and makes customer service a priority.
Additonally, working with an agent that can help you set up action steps in order to make your home buying purchase go as smoothly as possible.
Watch this video for a few helpful home buying tips
Homes for sale in Temecula -click here for video
Leslie Lawson, Realty Executives
Temecula
951-852-0080 Call, text or email me today
I can help you get on the road to success on purchasing your home
Posted in Area Info, For Sellers, Uncategorized
Tagged agents in temecula, finding an agent, finding an agent in temecula, first-time homebuyer, homes for sale, homes for sale in Murrieta, homes for sale in temecula, Homes in Temecula, leslie lawson, looking for a realtor, MLS, standard sale, Temecula, temecula homes for sale, Temecula Valley
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Temecula Short Sale Agent
As a Temecula Short Sale Agent I thought it might be helpful to share some information regarding short sales vs. foreclosure
Question: Should You Choose a Short Sale Over a Foreclosure?
Answer: Whether you should do a short sale or let the home go to foreclosure depends on several factors. While for some homeowners, it is easier to throw up your hands and let the bank take your home, that might not be the wisest thing to do.
Short Sale Benefits
Here are a few benefits for doing a short sale that may not have occurred to you:
You are in control of the sale, not the bank.
You may sleep better at night knowing who is buying your home.
You will spare yourself the social stigma of the “F” word, foreclosure.Contrary to popular belief, you can be current on your payments and still effect a short sale.Your home sale will be handled like any other home sale.
Buying Again After a Short Sale
If your payments have never fallen behind 30 days late and the lender does not require that you pay back the loan, Fannie Mae guidelines may allow you to buy another home immediately. Finding a lender who will fund that kind of loan is very difficult. If you are current on your mortgage, you can qualify for an FHA loan immediately as well, but lender requirements can be weird such as you have to move more than 600 miles away.
If your payments are in arrears yet a short sale is granted by your lender, you may qualify to buy another home with a Fannie-Mae backed mortgage within two years, regardless of whether the home is your primary residence. The wait for FHA is 3 years.
Buying Again After a Foreclosure
With certain restrictions, you may be eligible to buy another home in 5 years if the home was your primary residence. Without restrictions, the wait is 7 years.
If you are an investor and do not occupy the home, the wait to buy with a Fannie Mae insured loan is 7 years.
Affects on Credit After a Short Sale
A short sale may be considered to be a derogatory mark on your credit even though credit bureaus do not show the word “short sale” on your credit report. It may say “paid in full for less than agreed” or “settled for less,” among other categories. Some clients have reported negative FICO score drops from 50 points to 130 points.
Major point drops are typically due to being in default, meaning you have fallen behind on your payments.
Affects on Credit After a Foreclosure
Depending on your credit history and other guidlines, Myfico.com shows 2 examples in which a credit score could fall 105 points to 160 points after a foreclosure. Generally, a foreclosure will remain on your credit report in the tradelines section for 7 years.
Credit Reports After a Short Sale
All lenders report short sales differently, with many reporting “paid in full for less than agreed,” and some report the short sale as a charge off. Negative credit, however, stays on your report for 7 years.
Credit Reports After a Foreclosure
If a prospective employer runs a credit check on you, your job application may be denied if you have a foreclosure on your record.
Deficiency Judgments After a Short Sale
Judgments are often negotiated between the seller and the short sale bank. In some cases, such as California, if the home is your personal residence and was financed through purchase money, there is no deficiency judgment.
Deficiency Judgments After a Foreclosure
Banks are generally unwilling to negotiate deficiency judgments with the homeowner after a foreclosure. In California, for example, according to the California Association of REALTORS, a deficiency judgment may be filed regarding a hard-money loan if the lender forecloses under a judicial foreclosure versus a trustee sale or if the second loan is a hard money loan and the sale takes place as a trustee’s sale.
Loan Application Questions After a Short Sale
Loan applications do not ask questions about a short sale. You may report that you sold your home.
Loan Application Questions After a Foreclosure
You are required to answer the question: “Have you ever had a property foreclosed upon or given a deed-in-lieu thereof in the past 7 years.” If the bank sees you have had a foreclosure, your loan most likely will be denied. If you lie, you may be subject to investigation by the FBI for mortgage fraud.
Length of Time to Move After a Short Sale
If you’ve had a foreclosure notice filed, you may be able to postpone that action while the bank considers your short sale. The wait for short sale approval can be from 2 to 3 months, or longer.
Length of Time to Move After a Foreclosure
Unless prior arrangements have been made, the bank may want you to immediately vacate the property and can commence eviction proceedings.
Taxation After a Short Sale
A personal residence is exempt from mortgage debt relief until the end of 2012 on a federal level. Some states will still tax you unless you qualify for an exemption. An investor is not exempt from mortgage debt relief, subject to certain conditions.
Taxation After a Foreclosure
Same as with a short sale. Except some lenders immediately send out 1099s, even if the owner is exempt.
In closing, always obtain legal and tax advice before making a decision between a short sale or a foreclosure.
Call ME!
I work with a successful short sale team with proven results at NO COST to YOU!
Let me be your advocate
951-85
Posted in For Buyers, For Sellers, Home Finance, Uncategorized
Tagged agents in temecula, avoiding foreclosure, finding an agent, foreclosure, foreclosure counselors, foreclosures in temecula, home values, leslie lawson, looking for a realtor, MLS, realty executives, scams, short sale advice, short sale agents, short sale vs foreclosures, short selling
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