Archive for 'faith'

Should I save my home and fight the foreclosure?

Saturday, November 5th, 2011 at 11:40 pm  
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Should I save my home and fight the foreclosure?

You may be struggling with this question.  Should I try and save my house?  If you can afford to stay in your house at a comfortable payment, then I can refer you to a non-profit organization that will help you fight the foreclosure.  Your monthly payment will be paid directly to that organization and they will provide you with your own attorney.  There is no guarantee that they will be able to help you keep your house.  Sometimes, sellers will end up doing a short sale anyway.  However, there are several things that they look for regarding your purchase of the house which may work in your favor.  Did your lender do everything right?  Is there any fraud that can be exposed in your defense?  You can go to www.frfvideo.org for more information. Only you can make the decision whether you want to stay in your home.  Please consider some of these things:

  • Can you afford a monthly payment equal to the current value of the house?
  • How long do you think it will take for the economy to turn around and recover to the point where the value of the house returns to the purchase price when you first bought the property?

When can I buy a home again?

I have seen sellers who have purchased a home using conventional financing as early as 2 years after filing bankruptcy and/or conducting a short sale.  The mortgage industry is changing daily and there are many variables to consider.  I have private lenders (individuals) who are willing to finance owner occupants that have 20% down.  Many sellers decide to purchase a home as a lease options and/or just rent until they are able to repair their credit.

What’s the next step for me?

Take Action Now by calling us at 407-888-3433 or call the Sell Fast Realty Agent who provided you with this Special Report.  You can also go online at www.SellFastRealty.com or www.freefactsaboutforeclosure.com/ and fill out the contact information.  Please be sure to fill out the form completely for a quicker response.  We will contact you personally within 24 hours to tell you how our expert short sale team can relieve your stress….. Our #1 Focus is YOU!  I am honored that I can educate you with the true facts about foreclosure.  I am sure you have some more questions after reading this Special Report and we look forward to discussing them with you on a personal and confidential call with you.

Kimberlee Frank
Real Estate Broker & Short Sale Negotiating Expert
407-888-3433
www.shortsalenegotiating.com

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Bankruptcy vs Short Sale or Foreclosure

Saturday, November 5th, 2011 at 11:26 pm  
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Should I file Bankruptcy?

There are different types of bankruptcies.  There is a Chapter 7 that will discharge you from all your debts; qualification will depend on how much is owed and your income.  Then there is a Chapter 13 which is a 3 to 5 year re-payment plan for your debts.

A bankruptcy prior to a short sale does not help you with getting a fresh start because the lender will still have to do the full foreclosure process to get title back to the house.  A bankruptcy will eliminate the debt that is owed. However, many people want a fresh start now and they don’t want to wait until their lender forecloses in order to start cleaning up their credit and moving forward with their life.

Sell Fast Realty has worked with many bankruptcy attorneys that recommend to their clients to sell the house first on a short sale then, if needed, file bankruptcy.  Some sellers are only behind on their house payments and the rest of their bills are current.  I do recommend that you attempt a short sale prior to filing bankruptcy.  We do have referrals for bankruptcy attorneys.

Can I Short Sale the house after a Bankruptcy?

Yes you can!  The most important part of selling your house after a bankruptcy is to make sure you have the right real estate agent and negotiator working on your behalf.  When Sell Fast Realty does a short sale in which the seller had included their house in the bankruptcy, we obtain a full satisfaction of the loan, which means NO deficiency.  Our #1 Focus is YOU!  You will still need to provide financial information even though the lender can’t come after you for the debt.  HOWEVER, if you use the wrong real estate agent that is not familiar with the short sale process and you only receive a lien release, the mortgage note becomes valid again which means you have reaffirmed on that debt and you are now liable.   

What’s the next step for me?

Take Action Now by calling us at 407-888-3433 or call the Sell Fast Realty Agent who provided you with this Special Report.  You can also go online at www.SellFastRealty.com or www.freefactsaboutforeclosure.com/ and fill out the contact information.  Please be sure to fill out the form completely for a quicker response.  We will contact you personally within 24 hours to tell you how our expert short sale team can relieve your stress….. Our #1 Focus is YOU!  I am honored that I can educate you with the true facts about foreclosure an take away the stress of foreclosure.  I am sure you have some more questions after reading this Special Report and we look forward to discussing them with you on a personal and confidential call with you.

Kimberlee Frank
Real Estate Broker & Short Sale Negotiating Expert
407-888-3433
www.shortsalenegotiating.com

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Faith Feeding the Community – The Masters Touch International Church

Sunday, September 25th, 2011 at 5:10 pm  
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THE MASTERS TOUCH INTERNATIONAL CHURCH IS FEEDING OUR COMMUNITIES

 

Hi,

 

I need to share my personal experience attending the Masters Touch International Church, 555 Markham Woods,  Longwood, Florida.  I know you all thought I was going to talk real estate today but I need to share how FAITH keeps this world going and how www.TMTIC.com is a big part of my life and the Orlando Community taking care of thousands of people.

 

They have so many outreach programs helping the communities in addition to handing out thousands of loaves of bread not only to their members but to local organizations.

 

If you attended my training you know that I have Joel Osteen as a book I recommend that you read to help you go to the next level …. Well I can tell you Bishop Mark Chironna has inspired me to a new level.  You can watch him on the internet or attend church with me on Tuesday nights at 7:00 p.m. and Sundays at 9 and 11 a.m.   Join me and sit with me if you would like!

 

NO ONE likes to talk about religion as they believe it will offend someone.  Well I am not that person so if I have offended you by my email .. please get over it as I need to share.  Everyone has FAITH of some sort.  Many people call it their gut feeling.  I call it God.

 

I was raised in a quiet bapist church in Michigan.  When I came to Florida I attended several churchs, Oviedo Bapist, Carillon Methodist and a Presbyterian Church all in Oviedo.  One Church members came into my own home and offended my 82 year old mother over her faith. I was so upset. I never found the right church home.  When I first walked into The Masters Touch in Longwood after listening to Bishop Mark Chironna I was overwhelmed.  I have never cried in church before in my life, I started crying and had goose bumps.  I had never felt the holy spirit as strong as I did in this Church.  I have never been so alive.  I believe it was because of the word of the Bishop.

 

I helped Frank McKinney build 5 houses in Haiti and I always asked why doesn’t he do something locally.  He told me that the cost was so high here.  The Masters Touch International Church helps people locally and needs your help to continue to do so.

 

You all know that I pride myself at Selling Houses Fast using all the techniques that I teach in my system.  Last weekend on Saturday and Sunday I had an Open House/Auction in Lakeland and found a cash buyer that will close on September 30 and I get paid thousands of dollars too!  I hated to missed church but I needed to sell this house for my ex-sister-in-law.  I always pray before I do anything and guess what?  I got an answer.  I sold the house in 3 days.  Yes, I do believe I sold it with the help of my system but also with God’s help.

 

I had attended many churches and really didn’t understand the importance of tithing 10% of my income.  When I started to attend The Masters Touch for the first time ever, I started reading the bible every night.  I learned in the bible about the importance of tithing not because God say’s that he will return it to you 100 fold but because the church helps so many people and I realized that without my contribution they could not continue.

 

I truly believe that the American people are under attack from the devil.  That’s right you heard me – the devil.  I have met so many people who are going through hard times by loosing their homes, their families, their jobs and most of all their FAITH.  I am telling you to stay strong with your FAITH and don’t stop tithing at least 10% of what you have as it will be returned to you.

 

If you need a Church to belong to, the Masters Touch Church is it, if you need to donate to a worthly cause, the Masters Touch Church is it, no matter what you have – clothes, furniture, money or a church home.  I am asking you to take a stand today for The Masters Touch Church and take action today by going to www.TMTIC.com and donate.  I am also asking that you watch the web broadcast so you can listen to the Bishop and receive the word that you need weekly.

 

Here is a link from Youtube.com http://www.youtube.com/watch?v=8qXHJ6rjHP4

 

 

I want to thank you for taking the time today to help change the lives of so many people in Orlando by donating to The Masters Touch Church.  May God bless you and your family 100 fold!

 

God Bless You,

 

Kimberlee Frank

www.SellFastRealty.com

 

P.S.  If you need my assistance on anything, I am giving you 15 minutes to call me about any type of deal or problem that you have FREE of charge so that I too many bless you during your time of need.  Call the office at 407-888-3433 and schedule a time.

 

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