avoid foreclosure - Cook & Associates

What Important Information is there To Know Before Working With SunTrust on the Short Sale on my Home?

June 19, 2012

Hi, I’m Kelly Cook here with the Cook & Associates Real Estate Advisors, your :k1: short sale specialists. We are part of The Real Brokerage and we can be found online at www.AZKCRealEstateGroup.com. We specialize in helping area homeowners find alternatives to foreclosure thorough the means of a short sale which we are discussing today. Now the topic that we are specifically addressing is SunTrust short sales. Now SunTrust is not considered one of the larger banks since it’s a smaller lender and they did participate in some of the subprime mortgages back in the real estate boom and consequently have some non-performing loans on their books.

SunTrust is also one of the banks that really didn’t have a really good system or process down for short sales and trying to figure out a way to navigate and dispose of all their bad, non-performing loans. However, they have gotten better recently. We really despised working with SunTrust four or five years ago; it was a nightmare, it really was. Now we do have some good contacts that we count on and two of them specifically that we contact and count on every single time that always come through to help us out. Their systems overall have gotten a lot better.

Again, we are one of :k1:’s top short sale teams if not the top one and consequently one of :k1:’s top real estate teams in general. We would love to help you work with your SunTrust short sale. So please don’t entrust some other agent who says they can get a short sale done who doesn’t have any experience working in the trenches with SunTrust. Count on us, give us a call we will get it done for you that I can nearly if anything guarantee. You can reach us via phone if you want to at the office at 1-480-442-9868 or you can email us at info@cookandassociatesaz.com. You can also simply contact us here on our website thorough our contact us form or fill out our short sale calculator which will give you a very good breakdown as to when your house will break even and become an asset once again. Please let us know if you have any questions, thanks and have a great day.

Would You Like More Information About A Short Sale With Arizona State Credit Union?

May 21, 2012

Hey everyone, Kelly Cook here with the Cook & Associates Real Estate Advisors at The Real Brokerage in :k1:. We specialize in helping homeowners in the entire :k1: area avoid foreclosure through the means of a short sale. We can be found online at www.azkcrealestategroup.com.

The topic we’re addressing today is Arizona State Credit Union. Credit unions aren’t as large as banks, but they are a little more apt to help out a member of their credit union, especially if the member is also willing to go through the process and help the credit union out. What do we mean by that? Basically it means trying to help the credit union mitigate their losses so they don’t lose as much as they would if the home went to foreclosure. Arizona State Credit Union understands this, so they are very willing to work with a member, as long as the member is willing to cooperate mutually with them through a real estate or short sale agent.

Contact us today because we have the knowledge, experience and track record with Arizona State Credit Union to get your short sale done. They do love to work with their members and understand they’ll recoup more money on a short sale as opposed to a foreclosure. We love to work with them and we’d love to work with you on getting your short sale done.

Please don’t delay; fill out the form on our website or take advantage of our short sale calculator. It will help you determine if a short sale is right for you or if you should stay in your home at this time. If a short sale is what you’re thinking about doing and you’d like to gather more information please email us at info@cookandassociatesaz.com or call us at 480-442-9868. We look forward to working with you on your Arizona State Credit Union short sale.

Find US Bank Short Sale Success With The KC Real Estate Team

May 18, 2012

Hello everyone this is Kelly Cook with the KC Real Estate Team, your :k1: short sale specialist, thank you for checking out my blog today. I work with The Real Brokerage in the :k1: area and use my blog to provide valuable content to distressed property owners on avoiding foreclosure through the means of a short sale. If you can no longer afford your mortgage or are already considering a short sale visit my website or contact me directly to get started today.

For this particular blog I wanted to discuss working with US Bank on a short sale file. Even though US Bank is one of the larger banks in the nation working with their short sale team gives you the feel of a small town bank. Over the last two years I have been able to build several personal relationships with their staff which serves as a big help when working on behalf of a homeowner on their short sale file. I have completed numerous short sales for :k1: homeowners through US Bank and continue to receive phone calls from prospective US Bank mortgage holders. If you have any questions on your US Bank mortgage please do not hesitate to give us a call to discuss your options.

If you are on my website also take a minute to check out our great new tool called the Short Or Stay Calculator. By entering in some basic information on your :k1: mortgage this tool can give you a good idea of when your home will be an asset again. If you would like more information on how a short sale works in :k1: you can also leave your contact information on my website and we will be in touch. Thank you for your time today and please make sure to contact our team with any questions you have about a US Bank short sale.

How Important Is Experience When Selecting An Agent For Your HSBC Short Sale

May 13, 2012

Hello everyone my name is Kelly Cook with the Cook & Associates Real Estate Advisors, your :k1: short sale specialists, thank you for your time today. Our team of short sale experts is dedicated to helping :k1: homeowners avoid foreclosure through the means of a short sale. I blog frequently to provide homeowners with underwater mortgages up to date information on all of their real estate options. If you can no longer afford your mortgage, or are already considering a short sale, please visit my website or contact me directly to discuss your options.

For my blog today I wanted to talk about working with HSBC on a short sale file and some of our latest success stories. HSBC is another one of those banks that doesn’t have many offices around the country but still holds a large mortgage portfolio. While this may decrease the amount of exposure the public has to HSBC plenty of :k1: homeowners are currently the owners of an HSBC mortgage. Over the last couple years I personally have had great success with the HSBC short sale team closing roughly a dozen short sales in that time. When it comes to choosing a short sale agent it is important to find someone that has experience with your specific lender. Given HSBC’s small presence in the public eye not many short sale agents have the amount of experience with their staff as we do.

So if you have any questions on your HSBC mortgage, or any other lender, please send me an e-mail or give me a call to arrange a free consultation. If you are on my website make sure to check out the Short Or Stay Calculator to get a big picture idea of your homes long term value. This is Kelly Cook with the KC Real Estate Team thank you for your time and I hope you have a great day.

Do You Want Help With Your First Horizon Short Sale?

May 9, 2012

Hello everyone this is Kelly Cook with the Cook & Associates Real Estate Advisors at The Real Brokerage in :k1:. We can be found online at www.azkcrealestategroup.com. We help homeowners across the entire :k1: area find alternatives to foreclosure through the means of a short sale.

The question we are specifically addressing today are First Horizon short sales. We get asked all the time if we’ve done a short sale with First Horizon or with First Tennessee Bank, which is an affiliate of First Horizon. The answer to this question is absolutely, we’ve done dozens of short sales with them. They’re not the easiest bank to deal with, but we have a contact within First Horizon that we’ve gotten to know quite well because of the number of short sales we’ve done with them; we’ve had a lot of success with First Horizon and can absolutely get your First Horizon short sale done.

Please don’t delay because we’d love to help you out with your short sale. You can reach us via the Contact form on our website or you can check out our Short Sale Calculator. If you enter in some of your property and mortgage information, the calculator will generate and email you a report telling you two things. First, it will tell you how long it will take for your home to become an asset again. Second, it will tell you how much money it will cost you to get to that point. A copy of this report will also be sent to the Cook & Associates Real Estate Advisors so we can help you to better assess your financial situation. You can also reach us via email at info@cookandassociatesaz.com or call us at 480.442.9869. We look forward to working with you on your First Horizon short sale, so please contact us today.

Do You Want More Information About A Short Sale With Specialized Loan Services?

May 2, 2012

Hello this is Kelly Cook with the Cook & Associates Real Estate Advisors, part of The Real Brokerage We specialize in helping :k1: homeowners find alternatives to foreclosure through the means of a short sale. We can be found online at www.azkcrealestategroup.com.

The video we are shooting today is specific to one small loan servicer that many of you may have not heard of, Specialized Loan Servicing. If you are aware of them, maybe you came across our video today because you would like to learn more about them and their short sale processes. They are a small loan servicer based out of Colorado; again, the reason we know about these small lenders is because we have been working with them, making phone calls and sending emails over the years. We have built a rapport with the people in their Loss Mitigation department and have built up contacts so that when homeowners contact us needing help with their short sales, we know who to talk to in order to get the job done.

We’ve gotten deals done with SLS in about ten days, but we’ve had others that have taken us 90 days. Recently we just had a short sale where SLS was the second lien holder and we were able to get the short sale approved in nine days. We received full approval, the lien was released and the borrower was fully protected.

Please give us a call today with any short sale questions because we’d love to talk to you more about a SLS short sale on your home. You can contact us on our website, email us at info@cookandassociatesaz.com or call us at 480.442.9868. Thanks again for checking out our short sale blog; we look forward to assisting you in the near future and providing you with information on short selling your :k1: home.

The Truth About Completing a Short Sale with Aurora

April 21, 2012

Hello everyone, this is Kelly Cook with the Cook & Associates Real Estate Advisors, your :k1: short sale specialists. We can be found online at www.AZKCRealEstateGroup.com. We specialize in helping homeowners find alternatives to foreclosure through the means of a short sale which we are discussing here today.

The specific topic we are talking about today is doing a short sale with Aurora as your lender. Now Aurora has kind of a bad rap out there in the short sale world. We’ve actually had great success with Aurora. Frankly yes, four years ago Aurora was pretty unorganized and difficult to work with on a short sale but I have to commend Aurora because they are getting better. Our success rate over the last two to two and a half years with Aurora has been 100%. They have become a lot more organized and more receptive to valuation disputes if they have a bad valuation, and understanding that sometimes that is going to happen. They take into consideration what we feel is the market value based on the supporting documentation we can provide.

So, Aurora does communicate via fax still in many ways the old way of doing business. They feel that’s the best and secure way of doing it so we obviously comply with their demands. We really enjoy working with Aurora now. They have gotten better and their internal systems have gotten better as well. We would love to help you out with your Aurora short sale if that’s the route you want to go.

Again, I’m Kelly Cook with Cook & Associates Real Estate Advisors, your :k1: short sale specialists. Please don’t delay and contact us today. If you have any questions about doing a short sale in general or specifically with Aurora Home loans, you can reach us here on the website or you can email us at info@cookandassociatesaz.com. Another option is to give us a call at 480-442-9868. Thanks and have a wonderful day. We look forward to speaking with you soon.

Let Our Short or Stay Calculator Help You Decide if a Short Sale is Right for You

April 13, 2012

Hey guys, I’m Kelly Cook here with the Cook & Associates Real Estate Advisors, your :k1: short sale specialists. We can be found online at www.azkcrealesategroup.com. We specialize in helping Valley homeowners across the greater :k1: area find alternatives to foreclosure through the means of a short sale. So we’re very proud to have two pieces of software on our website to help homeowners who are potentially thinking about going down the road of a short sale make an informed decision as to whether or not that’s the best option for them.

One of the pieces of software which we are very pleased to offer to all of our clients on our website is the short or stay calculator. The short or stay calculator allows you to make an informed decision based upon the future appreciation rates, your current balance, your current market value of your property and things of that nature.

So if you go to our website, go to the short or stay calculator you’ll be able to put in all that information and based on what you enter, you’ll get a report emailed to you that gives you a break even analysis as to how much money you’ll spend to get to the break even analysis point. It takes into factor all the holding costs involved and will give you a number in terms of how much money you’ll have to spend in order to break even on your house at some point in the future if you are currently underwater.

The second thing is a loan modification downloadable packet that we have on our website. We understand that not everyone is ready to go through the short sale process right now so we are here to be as helpful as possible for anyone who is looking to potentially modify their loan and of course if that doesn’t work, we are definitely here for any short sale questions.

Again, I’m Kelly Cook with the Cook & Associates Real Estate Advisors, your :k1: short sale specialists and we’re here to help. Please go to our website and take a minute to download the loan modification kit that we put together for you and see if that works with that process if that’s where you want to go first, but if you have negative equity, and want to get out from under your debt, we feel the short sale is the best option. Please contact us today. You can call us at 480-442-9868 or send us an email at info@cookandassociatesaz.com. Thanks and we’ll talk to you soon.

Finding The Secret To Success While Working With ACS On A Short Sale

April 9, 2012

Hello everyone Kelly Cook here with the KC Real Estate Team, your premiere short sale team in the :k1:, thank you for checking out my blog today. My team and I are dedicated to helping :k1: homeowners avoid foreclosure and I use my blog to provide valuable information on that exact topic. If you are behind on your mortgage, or already considering a short sale, please take a minute to browse my website or contact me directly to discuss your options.

For my blog topic today I wanted to discuss working with ASC on a short sale file and some of my recent experiences. ASC is a mortgage servicer that is a division of Wells Fargo and I have extensive experience working with their team. Unfortunately it can be pretty hard to find contact information for ASC online and their website is actually listed under a different name. Aside from that I love working with ASC because they have worked hard to make the short sale process fairly easy. ASC uses a secured e-mail system that makes it easy to get in touch with the representative in charge on your file. Thankfully I have made some great contacts within the ASC short sale department who I can always turn to if one of your files is having trouble getting approved. Our team has closed over ninety eight percent of the :k1: short sales we have taken on with ASC and are very proud of that number.

So if you have questions on ASC please take a minute to visit my website or contact me directly for even more specific information. On my website you will find a great new product called the Short Or Stay Calculator that will give you a big picture idea of when your home will become an asset again. Thank you for your time today and I hope to hear from you soon at the KC Real Estate Team.

Is Your Mortgage With CitiMortgage?

March 28, 2012

Hello everyone, my name is Kelly Cook with Cook & Associates Real Estate Advisors here in :k1:. I am your :k1: short sale specialist and am here to provide you with the information and resources that you need to successfully short sell your home. We can be found online at http://www.azkcrealestategroup.com. We specialize in helping homeowners across the entire valley find alternatives to foreclosures through the means of a short sale.

Today we are discussing CitiMortgage short sales. I know there are a lot of you out there with CitiMortgage loans, so if you have one and are thinking about short selling please bring them to us. We love working with CitiMortgage because we have established some really great contacts over the years of doing so many short sells with them. If we ever get in a bind or need help on a file, we’re able to call upon our contacts and get the file pushed through successfully. CitiMortgage started off fairly well in terms of processing short sales for homeowners. Recently, however, they’ve slowed down a little bit and logistically they’ve fallen behind the other banks, such as Chase and Wells Fargo, in terms of their technology and how they process their short sales. They’re a little more cumbersome and don’t utilize all of the technology that is available to them. Despite this, we still love working with CitiMortgage and we’ve had great success with them.

If you have a CitiMortgage and are thinking about short selling your home, please feel free to contact us immediately on our website via the Contact Us form, email us at info@cookandassociatesaz.com, or simply give us a call at 480-227-2028. If you live in the :k1: area, we hope to hear from you soon so that we can start you on the path to successfully short selling your home.

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