Of course! We purchase homes in virtually any condition, including properties that suffer from cosmetic issues such as broken windows and infrequent maintenance. We also deal with homes that have more significant structural issues such as damage to the roof or foundation, and even properties mired in financial entanglements. Whether it's an ugly house or an ugly situation that's slowing down your sale process, We are here to help you get the cash you need for your property as quickly as possible.
Our process begins when you come to us with your unwanted property for a no-obligation appraisal. You call and talk to our team about the basic details of your property and schedule an evaluation to confirm the condition of your home. After the assessment is complete, our team of real estate experts will make you a fair cash offer as well as answer any other questions you may have.
Never. Our assessment and evaluation processes come at no cost to you and carry no obligation, so it's never a problem if you decide not to sell. Our staff of real estate specialists is always standing by to address any concerns you may have about the transaction process before making you a cash payment on your home, and the final decision to make the sale always rests with you.
With our convenient resources, Chico, California House owners can quickly get fair market value for their unwanted homes. After you speak with our team to share some basic details about your property, we can appraise your home at your convenience and make you an offer. Talk to our team today about fast cash payments for your unwanted properties.
According to the guidelines at the Making Home Affordable Web site (www.MakingHomeAffordable.gov), you will require the following information in order to be considered for a modification.
Chico, California City Information
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Chico, city, Butte county, northern California, U.S. Chico lies in the Sacramento River valley, nearly 90 miles (145 km) north of Sacramento. It was founded in 1860 by John Bidwell, a state congressman and horticulturist, and developed as an agricultural-processing centre, especially for almonds, rice, and fruit. Manufacturing initially consisted of a match factory established in 1904, and after World War II there was planned diversified industrial expansion. Bidwell Mansion State Historic Park includes the 26-room Victorian home (1868) of John Bidwell. Other attractions include Bidwell Park (one of the country's largest municipal parks), the Chico Museum, which contains a former Taoist temple, and a vintage train station. The city is the seat of California State University, Chico, founded as a normal school (teacher-training college) in 1887. Nearby is Bidwell - Sacramento River State Park. Inc. 1872. Pop. (2000) 59, 954; Chico Metro Area, 203, 171; (2010) 86, 187; Chico Metro Area, 220, 000.Bidwell Mansion, Chico, Calif. Michael Favor
The one reality about today's housing market is that many people have more questions than answers. The following information is intended to help you or someone you know better understand your situation.
Do I Qualify For A Short Sale?
The qualifications for a short sale include any or all of the following:
Financial Hardship - There is a situation causing you to have trouble affording your mortgage.
Monthly Income Shortfall - You have more month than money. A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency - The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.
What Is A Mortgage Modification?
A mortgage modification is a process through which your mortgage lender changes any or all of the following:
Your interest rate
Your principal balance (through a reduction)
Your loan terms (example: from an adjustable to a fixed rate)
This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.
Why Would A Lender Modify My Mortgage?
Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.
What Do I Need To Qualify For A Mortgage Modification?
According to the Making Home Affordable Web site (http://MakingHomeAffordable.gov), you will need the following information for your lender to consider a modification:
Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit on the house
Account balances and minimum monthly payments due on all of your credit cards
Account balances and monthly payments on all your other debts such as student loans and car loans
Your most recent income tax return
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources
If applicable, it may also be helpful to have a letter describing any circumstances that caused your income reduce or expenses to increase (job loss, divorce, illness, etc.)
How Do I Qualify For A Mortgage Modification?
The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):
Prior to contacting your mortgage lender you can quickly complete an eligibility test at http://MakingHomeAffordable.gov. This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP).
For a list of mortgage lenders and servicers, visit www.HopeNow.com.
What Is A Home Affordable Refinance?
If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.
What If I Don't Qualify, Can't Afford My Home, And Owe More Than It's Worth?
You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents with the 'Certified Distressed Property Expert' Designation have undergone extensive training in how to process and negotiate short sales.
A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.
What Are The Qualifications For A Home Affordable Refinance?
According to the resources released by the government, following are a list of qualifications:
You are the owner occupant of a one- to four-unit home
The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
At the time you apply, you are current on your mortgage payments (you haven't been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan.
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We provide services in every State including Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut,
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Closely Related Topics: What If Your Home Is Damaged? (No Problem.)
Related Statewide Reading Topics: Chico - What If Your Home Is Damaged? (No Problem.)