short sale in arizona - Kelly Cook Homes

Kelly Cook Real Estate Group Client Care Division

February 19, 2013

Hey guys, I’m Kelly Cook with the Kelly Cook Real Estate Group, your real estate specialists. You can find us online at www.KellyCookHomes.com. We have a huge announcement to make that we are very excited about and that is our client care division of our real estate team. We got together as a team to brainstorm a way to give back to our clients for doing business with us and to show appreciation for the opportunity to work with them. One of the things we came up with was our client care division. That entails two divisions one that is household moving and another one that is entertainment. Now under our household moving division we have a full sized Nissan Titan pickup that is available for any past clients or charitable organizations or even future clients that is free of cost. I know a lot of people sometimes on the weekend who want to just move something from a house or maybe you bought something and need to move it to your house. Whatever you need, it’s there for you to use for free as a token of our appreciation.

The other thing is a margarita machine. I know a lot of you like to host parties and entertain so the margarita machine is there just for that. It is also free of charge. If you are having a children’s party, it can be used as a slushy machine without alcohol of course. So give us a call if you would like to use either of these two items. Our number is 480-442-9868. Or at info@kellycookhomes.com. We hope to hear from you guys soon. Thanks and we hope you take advantage of our free items to you. thanks and have a great day.

Are There Any Potential Downsides To Completing A Short Sale In Arizona?

January 2, 2013

Hello everyone my name is Kelly Cook with the KC Real Estate Group, your :k1: short sale specialist, thank you for your time today. Our team of short sale experts are working with :k1: distressed property owners every day to help them avoid foreclosure through the means of a short sale. If your mortgage is underwater or if you just need to sell your home fast please browse through my website or call me directly to discuss your options.

For my blog today I wanted to talk with :k1: property owners about any possible downsides to completing a short sale. I get asked this questions a lot due to the many misconceptions of a short sale and it is important to know the facts. Of course any homeowner would prefer to never have to consider a short sale but drastic changes in your life may require you to sell your home. If you find yourself in this situation a short sale is great option to consider to get out from under your mortgage. One of the few downsides to a short sale is the inability to purchase a home for at least two years. There are some exceptions to this and having an experienced agent may help you purchase a home sooner than normal. While a short sale is not right for every :k1: homeowner there are few downsides and should be considered if your home needs to sell fast.

For more information or to get started on your short sale take a minute to fill out a contact form on my website or call me directly to chat with an expert about your options. On my website you can also find our Short Or Stay Calculator that can help you determine if a short sale is right for you. Thank you for your time today and I look forward to helping you in the future with your :k1: real estate needs.

What is the Role of Republic Mortgage Insurance Company when Completing a Short Sale?

December 27, 2012

Hey guys, Kelly Cook here with the KC Real Estate Group, your :k1: short sale specialists. You can find us online at www.KellyCookHomes.com. Now we specialize in helping homeowners across the entire :k1: area find alternatives to foreclosure through the means of a short sale. The topic we are specifically addressing today is not just mortgage insurance but specifically the company, Republic Mortgage Insurance Company or known as RMIC. Now RMIC is owned by Old Republic which is the parent company and it does a lot of mortgages for many American homeowners so they are pretty prevalent. Because of that we have worked with them many times for homeowners doing short sales. When they insure a property or mortgage they want to make sure they get the highest settlement possible for them, especially if they have to payout to a bank. For example, you may have a first or a second mortgage with Chase Bank, it doesn’t matter but you may have mortgage insurance with your payment built in. They are specifically there to insure that if you default on your mortgage that the bank is paid out in full. So the loser in that deal when a foreclosure occurs is a mortgage insurance company. That being said, they are very tough to deal with. They want to get the most money possible out of that borrower if they are in default.

This is a good time to hire a specialist. You don’t want to let someone practice on your short sale. Hire someone who not only has done hundreds of short sales, we are one of the largest real estate teams in the :k1: area and we have closed around 400 short sales. We know what we are doing and we have dealt with RMIC many times and would love to work with you. Again, I’m Kelly Cook with the KC Real Estate Group, one of :k1:’s leading short sale teams and we’re here to help, so please give us a call today. You can also email us if that is easier for you at info@kellycookhomes.com. Our phone number in Arizona is 480-442-9868 and or Ohio number is 614-600-2028. We would also like to recommend the home value calculator on our website. It will tell you the value of your home once you enter in some of your property information. You can find it at www.MyHomeValueCalculator.com. It will email you a full report. Thanks a lot and have a wonderful day.

Do I Pay Any Fees For Completing A Short Sale In Arizona?

November 17, 2012

Hello everyone Kelly Cook here, your :k1: short sale specialist, thank you for your time today. I work with Real Broker in the :k1: area and use this blog to share valuable information with distressed property owners on their ability to avoid foreclosure through the means of a short sale. If you have seen the value of your home greatly diminished or can no longer afford your mortgage please browse my website or call me directly to discuss how the Kelly Cook Real Estate Group can help you.

For my blog today I wanted to talk with :k1: homeowners about any potential fees that may be associated with a short sale and who ultimately pays them. This is a very important topic to discuss and is a question I get from many clients when discussing the costs of a short sale. While there are some short sale agents who will charge you upfront fees at the Kelly Cook Real Estate Group we never charge you a dime for completing a short sale. When completing your short sale packet one of the documents that is submitted is an estimation of fees associated with the sale of your distressed property. This sheet outlines any fees or charges that will result from selling your home and must be approved, and paid for, by your lender. When a homeowner is considering a short sale the last thing they need to worry about is another bill to pay and that is why all of our services are free to use for :k1: homeowners. Many homeowners I have spoken with feared doing a short sale because of unexpected fees but with no money out of your pocket now is the time to sell your home.

To get your questions answered or to start your short sale today please fill out a contact form on my website or call my office directly. Thank you for your time today and I look forward to helping you soon with your :k1: property needs.

How To Short Sale Your Home

October 12, 2012

Hello everyone and welcome again to the Kelly Cook Real Estate Group’s short sale blog with The Real Brokerage in :k1:. We specialize in helping homeowners in the :k1: area find alternatives to foreclosure by the means of a short sale. One of the most frequently asked questions that we receive, which is a very good question, is, “How do I short sale my house, what’s the process and how do I get started?”

We can break this down into three simple steps, the first being contacting a qualified realtor or real estate team that does short sales. At the Kelly Cook Real Estate Group, we’ve done close to 400 short sales over the past five years and are still doing a lot of short sales. Right now we have over 60 properties that we are short selling for clients. Contact an agent that has experience with all different types of banks and take their guidance. The second step is to set up a free consultation either in person or over the phone where the short sale agent can lay out for you what will happen during the rest of the short sale process. Step three is to have the short sale agent meet you at your property, take some pictures and get familiar with it so that we can market it to investors or other buyers.

It’s a very simple process and the nice thing about a short sale is that you don’t have to have it in tip-top condition because it is sold as is. If there are repairs that need to be made to the property, that will be reflected in the bank approved price. That’s our job to make sure we get the price approved for you based upon the condition of your property so that you don’t have to go out of your way and spend your money to get it into the best condition.

There are many other things and intricacies that go with a short sale, so give us a call today. We’d love to help you in doing a short sale on your property today. You can reach us by telephone at either our Arizona or Ohio office, email us at info@kellycookhomes.com or visit our short sale calculator at www.MyHomeValueCalculator.com to see what your home is worth and how long before it breaks even again.

How Will the Market Appreciation Affect Me and My Decision to Short Sell My Home?

September 21, 2012

Hey guys, Kelly Cook here with the Kelly Cook Real Estate Group, your :k1: short sale specialist. You can find us online at www.KellyCookHomes.com. We are part of The Real Brokerage which is one of the largest real estate companies in the entire country. We specialize in helping homeowners find alternatives to foreclosure through the means of a short sale and also the disposition of marketing of properties for clients. Today we are addressing a question that is probably one of the hottest questions out there that we could find. It is from homeowners wondering if the current :k1: market continues its appreciation it’s had so far in 2012 through the rest of the year and into 2013. That’s a good question and it’s hard to speculate but we have to look at the facts. The facts are in the first two quarters in 2012, the market here has appreciated right around 15.1%. This is great news. The downside to that is that if the market continues in this aggressive appreciation, hyperinflation will start to naturally set in. I do know that a market can’t sustain that type of appreciation for too much longer. So I do think you are going to see because of the Presidential election and because of the national slow down during the holidays, you are going to see a little pull back on the market I believe and some more stabilization occurring. Also we have a lot of investors in the market right now. If those prices keep going higher and higher, then the return for the investors will get lower and lower. So eventually that money will end up leaving the market as well. This is also one of the underlying factors that really build upon and supports appreciation of the housing market is the unemployment rate. Right now the unemployment rate is still fairly high and doesn’t really support the kind of appreciation we are seeing so far.

Last but not least, I’m going to leave it at this, there are still a lot of people out there that are not paying their mortgages that the banks are not foreclosing on for whatever reason right now. Eventually they are going to have to so whether they are waiting until 2013 to really enforce the foreclosures on those people who are not paying, remains to be seen. That is another contributing factor to the reason why I believe based upon everything I read, the market could have a little pull back in 2013.

Again, I’m Kelly Cook with the Kelly Cook Real Estate Group, your :k1: short sale specialist and I’m here to help. So if you have any questions, feel free to give me a call at 480-442-9868 or email us at info@kellycookhomes.com. You can also find out what your home is worth and assess it from there moving forward. It’s a great starting point, go to www.MyHomeValueCalculator.com and you’ll get that information sent to you instantly. Thanks and we look forward to speaking with you soon.

Looking For A Trusted Short Sale Agent With ASC Experience?

August 29, 2012

Hello everyone my name is Kelly Cook with the Kelly Cook Real Estate Group, your :k1: short sale specialists, thank you for your time today. Our team of short sale experts are working with homeowners in :k1: ever day and I use this blog to help pass along valuable information on your options for avoiding foreclosure through the means of a short sale. If you are struggling to pay your mortgage each month or have seen the value of your home greatly diminished take a minute to contact the Kelly Cook Real Estate Group and find out how we can help you.

For my blog topic today I wanted to speak with :k1: homeowners who have their mortgage through ASC about the opportunity to complete a short sale. ASC stands for Americas Servicing Company and they are a subsidiary of Wells Fargo Bank. ASC utilizes the same online platform as Wells Fargo and this helps both the agent and the lender communicate better and streamline the entire process. I have completed numerous short sales with ASC for :k1: homeowners despite the fact they can be hard to track down and overall very meticulous with their short sale process. Thankfully our five years of experience with ASC has allowed to build some great relationships that serve to help our :k1: clients get a fast short sale approval.

If you have any questions on your ASC mortgage, or any other lender, please fill out a contact form on my website or call me today to get started. On my website you can also find a great new tool called the Short Or Stay Calculator that may help you determine if a short sale is your best option. Thank you for joining me today and I look forward to helping you in the future.

Do You Need Help With A Short Sale On Your VA Loan?

August 20, 2012

Hello everyone, it’s Kelly Cook again with the Kelly Cook Real Estate Group, your :k1: short sale specialist. We can be found online at www.KellyCookHomes.com. We specialize in helping :k1: homeowners find alternatives to foreclosure by the means of a short sale, which we feel is the best option out there to get out from underneath their mortgage debt.

The topic we are discussing today is VA short sales. The VA loan is a very good way to go for many veterans, however there are many veterans out there right now that are experiencing some type of hardship and need to get out from the current situation with their home but they are stuck because they are upside down on their mortgage. We enjoy helping veterans out any time we can and have done a lot of VA short sales. We have a good contact at the VA; HUD is their investor and we have a great contact at the VA that works directly with HUD and the lender to work the short sale. We have a high success rate with VA short sales, so please contact us if you would like help or information on your VA short sale. You can call us at either our Arizona or Ohio office, email us at info@kellycookhomes.com.

You can also go to our short sale calculator at www.MyHomeValueCalculator.com which will tell you exactly if your home is an asset or underwater. If it is underwater it will tell you how much time and money it will take before your home is an asset again.

I hope you have enjoyed this short sale video and have found it helpful to your particular situation. Again, please contact us if you have any further questions about our short sale calculator, a VA short sale or have real estate questions in general. Thanks for joining me on my short sale blog. Have a great day.

Can I Complete A Short Sale On My Loan That’s Converted To Ally Bank?

July 27, 2012

Hello everyone my name is Kelly Cook with the Kelly Cook Real Estate Group, your :k1: short sale specialist, thanks for joining me today. My team of short sale experts are working every day to help :k1: homeowners just like you find the best alternatives to a foreclosure. If you are having trouble making your mortgage payment each month or have seen the value of your home greatly diminished take a minute to browse my website or call me directly to learn more about how we can help you.

For my blog today I wanted to speak with homeowners who have a Ally Bank mortgage about their chances of a short sale approval. Over the last four years I have helped numerous :k1: homeowners get their mortgage debt settled through a Ally Bank short sale approval. Ally is actually a fairly new lender who is a part of GMAC and has a great short sale process in place. Just recently Ally Bank rolled out an online platform to improve communication and their overall short sale process. While the jury is still out on how helpful this may be I have had great success working with their staff. Currently I have a few files in the works with Ally and I look forward to sharing with you if the online platform continues to be a better option for completing a short sale.

If you have a mortgage through Ally Bank or GMAC take a minute to browse my website or call our team today to learn about all of your options for avoiding foreclosure. If you are unsure if a short sale is right for you take a minute and try out the Short Or Stay Calculator on my website to find out what your best option is. Thank you for your time today and I hope to hear from you soon at :k1:’s short sale specialist with the Kelly Cook Real Estate Group.

Information On Your Wells Fargo Short Sale

July 26, 2012

Hello everyone, Kelly Cook here with the Kelly Cook Real Estate Group, your :k1: short sale specialist. We can be found online at www.AZKCRealEstateGroup.com. We specialize in helping distressed homeowners throughout the entire :k1: area avoid foreclosure through the means of a short sale.

The topic we’re discussing today is Wells Fargo short sales. Wells Fargo is obviously one of the nation’s largest lenders that most everyone is aware. They are probably one of our most favorite lenders to deal with when it comes to the short sale process. They are advanced from a technical standpoint; they use secure email and a web-based platform to communicate and to upload documents to. We have a couple of good contacts with them that we’ve established over the past several years because we’ve done so many short sales with them. We’d love to help you with your short sale, so give us a call. We’d like to chat with you about your situation with your Wells Fargo mortgage or your home equity line of credit. We love working with Wells Fargo home equity because they’re pretty realistic and logical when it comes to figuring out if they should go with the short sale.

Please give us a call with any questions about your Wells Fargo short sale because we’d love to offer you a free consultation about your situation. You can call us at 480.442.9868, email us at info@kellycookhomes.com or contact us through our short sale calculator at www.KellyCookShortSales.com. This is a very useful tool if you’re not sure if you should do a short sale. It helps you determine when your property becomes an asset again and how much money it will cost you. It will help you make a more informed financial decision on whether or not you should short sale your home.

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