http://www.ppar.com/

$1000 Incentive towards Home warranty or Home Inspection or Carpet

 3950 Colony Hills Cir Colorado Springs

http://nicoletusseyhomes.vflyer.com/home/flyer/home/120045026

Why Rent??? when you can own your own home for such a low mortgage payment and call it HOME. . Come to the open house this Sat 3.31.12 from 1-4pm, check it out!  Chfa is a down payment assistant program, for those that qualify http://www.chfainfo.com/

for more information and photos click on link http://nicoletusseyhomes.vflyer.com/home/flyer/home/144589001

Call me for details 719-648-1288

                      3/22/12

Your Personal Real Estate Professional

“Committed To Your Journey Home”      

www.nicoletusseyhomes.com    nicole@nicoletusseyhomes.com

719-648-1288

Avoiding Foreclosure

Few things are as devastating as losing your home. Sadly, it’s not always inevitable. In many cases the foreclosure could’ve been avoided with some outside help.

You are in a unique position to advise your clients in financial matters. If you know that clients are on the path toward foreclosure, take the time to show them how it can be avoided. First, remind them of some of the hidden difficulties that will arise if foreclosure occurs.

Finding a new home. Don’t let your clients believe that it will be better to let the foreclosure happen, because after they lose their home, they will still need to find a new place to live. All too often, the price they will need to pay in rent will be almost as high if not higher than their current mortgage payment. Remember: The owner of the property needs to make his  mortgage payment, too, so he’s going to charge a rental payment that’s higher than his mortgage costs.

Deficiency judgment. It’s not uncommon that the sale of the home is insufficient to cover the remainder of the mortgage. When the property has been damaged, or market values have dropped, the owner may end up with a bill in the tens of thousands for the difference.

Despite what many people think, most lending institutions are not  anxious to foreclose. It’s a last-ditch effort to recover their money and minimize their losses, and it’s an incredible hassle. Most lenders would rather avoid it, if possible. There are multiple sources for help that your client should be aware of, and most lenders will be happy to hear that their clients are going to try to keep their home rather than just await a foreclosure.

Housing Counseling Agency. The US Department of Housing and Urban Development maintains a list of HUD-approved counseling agencies. Have your client call (800) 569-4287 to find the agency nearest them.

FHA-Insurance fund. FHA borrowers may qualify to have HUD make a one-time payment to bring their mortgage current. See www.hud.gov/foreclosure  for more information on the requirements to qualify.

Different mortgage program. Have them talk to a loan officer about the possibility of refinancing their mortgage to a more affordable program.

Special Forbearance. Many borrowers can qualify for a new payment structure if they’ve had an increase in their cost-of-living, such as unexpected medical expenses, or a decrease in wages. This payment structure will allow the owner to repay the lender in a given time frame

                      3/22/12

Your Personal Real Estate Professional

“Committed To Your Journey Home”      

www.nicoletusseyhomes.com    nicole@nicoletusseyhomes.com

719-648-1288

HELP FOR UDER WATER/UPSIDE DOWN HOME OWNERS 5 LARGEST banks will do major PRINCIPAL REDUCTION FOR YOU?

Posted on March 15, 2012 by nicole

Reply

• HELP IS UNDER WAY FOR UDER WATER/UPSIDE DOWN HOME OWNERS 5 LARGEST banks will do major PRINCIPAL REDUCTION FOR YOU? Find out if you qualify.
• Let me know if you need help to find out who services your loan. 719-648-1288
• Here are the 5 major banks
• 1. Bank Of America (Some Bank of America borrowers may be in for principal reductions in amounts exceeding $100,000, according to the latest developments in the settlement the bank and four other large servicers made with state and federal regulators.) Hot line 877-488-7814
• 2. Wells Fargo
• 3. Chase
• 4. GMA
• 5. Citi Mortage

• http://www.dsnews.com/articles/bofa-to-offer-principal-reductions-of-more-than-100k-2012-03-12

Avoiding Foreclosure

Few things are as devastating as losing your home. Sadly, it’s not always inevitable. In many cases the foreclosure could’ve been avoided with some outside help.

You are in a unique position to advise your clients in financial matters. If you know that clients are on the path toward foreclosure, take the time to show them how it can be avoided. First, remind them of some of the hidden difficulties that will arise if foreclosure occurs.

Finding a new home. Don’t let your clients believe that it will be better to let the foreclosure happen, because after they lose their home, they will still need to find a new place to live. All too often, the price they will need to pay in rent will be almost as high if not higher than their current mortgage payment. Remember: The owner of the property needs to make his  mortgage payment, too, so he’s going to charge a rental payment that’s higher than his mortgage costs.

Deficiency judgment. It’s not uncommon that the sale of the home is insufficient to cover the remainder of the mortgage. When the property has been damaged, or market values have dropped, the owner may end up with a bill in the tens of thousands for the difference.

Despite what many people think, most lending institutions are not  anxious to foreclose. It’s a last-ditch effort to recover their money and minimize their losses, and it’s an incredible hassle. Most lenders would rather avoid it, if possible. There are multiple sources for help that your client should be aware of, and most lenders will be happy to hear that their clients are going to try to keep their home rather than just await a foreclosure.

Housing Counseling Agency. The US Department of Housing and Urban Development maintains a list of HUD-approved counseling agencies. Have your client call (800) 569-4287 to find the agency nearest them.

FHA-Insurance fund. FHA borrowers may qualify to have HUD make a one-time payment to bring their mortgage current. See www.hud.gov/foreclosure  for more information on the requirements to qualify.

Different mortgage program. Have them talk to a loan officer about the possibility of refinancing their mortgage to a more affordable program.

Special Forbearance. Many borrowers can qualify for a new payment structure if they’ve had an increase in their cost-of-living, such as unexpected medical expenses, or a decrease in wages. This payment structure will allow the owner to repay the lender in a given time frame

                      3/22/12

Your Personal Real Estate Professional

“Committed To Your Journey Home”      

www.nicoletusseyhomes.com    nicole@nicoletusseyhomes.com

719-648-1288

Right Click on link and choose  OPEN HYPERLINK to see all Bank Owned Properties

—-à Right click RES – Customer Full Report under $150K

àRight Click RES – Customer Full/All Photos $150K+

Please let me know if you want to see any of those Bank owned properties.

 I can set up your own web site with your criteria, just let me know.

HELP FOR UDER WATER/UPSIDE DOWN HOME OWNERS 5 LARGEST banks will do major PRINCIPAL REDUCTION FOR YOU?

Posted on March 15, 2012 by nicole

Reply

• HELP IS UNDER WAY FOR UDER WATER/UPSIDE DOWN HOME OWNERS 5 LARGEST banks will do major PRINCIPAL REDUCTION FOR YOU? Find out if you qualify.
• Let me know if you need help to find out who services your loan. 719-648-1288
• Here are the 5 major banks
• 1. Bank Of America (Some Bank of America borrowers may be in for principal reductions in amounts exceeding $100,000, according to the latest developments in the settlement the bank and four other large servicers made with state and federal regulators.) Hot line 877-488-7814
• 2. Wells Fargo
• 3. Chase
• 4. GMA
• 5. Citi Mortage

• http://www.dsnews.com/articles/bofa-to-offer-principal-reductions-of-more-than-100k-2012-03-12

Avoiding Foreclosure

Few things are as devastating as losing your home. Sadly, it’s not always inevitable. In many cases the foreclosure could’ve been avoided with some outside help.

You are in a unique position to advise your clients in financial matters. If you know that clients are on the path toward foreclosure, take the time to show them how it can be avoided. First, remind them of some of the hidden difficulties that will arise if foreclosure occurs.

Finding a new home. Don’t let your clients believe that it will be better to let the foreclosure happen, because after they lose their home, they will still need to find a new place to live. All too often, the price they will need to pay in rent will be almost as high if not higher than their current mortgage payment. Remember: The owner of the property needs to make his  mortgage payment, too, so he’s going to charge a rental payment that’s higher than his mortgage costs.

Deficiency judgment. It’s not uncommon that the sale of the home is insufficient to cover the remainder of the mortgage. When the property has been damaged, or market values have dropped, the owner may end up with a bill in the tens of thousands for the difference.

Despite what many people think, most lending institutions are not  anxious to foreclose. It’s a last-ditch effort to recover their money and minimize their losses, and it’s an incredible hassle. Most lenders would rather avoid it, if possible. There are multiple sources for help that your client should be aware of, and most lenders will be happy to hear that their clients are going to try to keep their home rather than just await a foreclosure.

Housing Counseling Agency. The US Department of Housing and Urban Development maintains a list of HUD-approved counseling agencies. Have your client call (800) 569-4287 to find the agency nearest them.

FHA-Insurance fund. FHA borrowers may qualify to have HUD make a one-time payment to bring their mortgage current. See www.hud.gov/foreclosure  for more information on the requirements to qualify.

Different mortgage program. Have them talk to a loan officer about the possibility of refinancing their mortgage to a more affordable program.

Special Forbearance. Many borrowers can qualify for a new payment structure if they’ve had an increase in their cost-of-living, such as unexpected medical expenses, or a decrease in wages. This payment structure will allow the owner to repay the lender in a given time frame

• HELP IS UNDER WAY FOR UDER WATER/UPSIDE DOWN HOME OWNERS 5 LARGEST banks will do major PRINCIPAL REDUCTION FOR YOU? Find out if you qualify.
• Let me know if you need help to find out who services your loan. 719-648-1288
• Here are the 5 major banks
• 1. Bank Of America( Some Bank of America borrowers may be in for principal reductions in amounts exceeding $100,000, according to the latest developments in the settlement the bank and four other large servicers made with state and federal regulators.) Hot line 877-488-7814
• 2. Wells Fargo
• 3. Chase
• 4. GMA
• 5. City

http://www.dsnews.com/articles/bofa-to-offer-principal-reductions-of-more-than-100k-2012-03-12

Don’t miss out owning this great property, 4 garages and a green house or chicken coupe

http://nicoletusseyhomes.vflyer.com/home/flyer/home/76158000

Unique country home close to the city! New window! New Paint, new Carpet! Open, bright & spacious with many extra rooms including office, hobbyroom, laundryroom & sunroof. City lights views. 3 skylights, 4 ceiling fans, cherry kitchen cabinets. Very energy-efficient with passive solar, earth berm & wood stove for low heating bills. 40×24 barn/shop, 32×12 greenhouse plus oversized insulated garage. Large deck plus a patio. Many extras! Don’t miss out! Special Preview  before it goes on the market.  NEW PAINT NEW CARPET NEW GARAGE DOORS! Call now for showing appt. 719-648-1288