Welcome back and thanks for visiting us today on our blog. This entire blog is devoted to the home owner who is exploring the choices on what you would like to do with your home. Whether you are in a position where you can no longer pay for it or are just no longer want to owe as much as you do against your residence and want to tactically default, this blog is for you. We hope that you discover a lot of great content here on our blog.

Today we want to center on a matter that has become extremely focal in the last few months. It deals with your cash and the cash that you have in your bank account. There are banks out there that are going into home owner bank accounts and taking cash to fulfill deliquencies on their house.

Please understand that the mortgage you took out on your home is secured against your home and your home only. The exclusion to that rule is with the bank accounts that are with the same bank that has your mortgage. For instance, if you have a checking account with Chase and your mortgage is additionally with Chase, Chase can take cash from your checking account to compensate your mortgage.

We have had many clients approach us about this precise topic. If you are considering a short sale or have missed a payment or two, we would advise that you move your checking account to another bank. Close your accounts with a bank that has your mortgage.

Because of the checking and savings account agreements they have with you, they preserve the permission to take cash from your bank account.

Give us a call if you would like more information on this matter or any other matter pertaining to short sales and your choices. We have fruitfully completed more than a few hundred short sales over the previous few years and we would be grateful for the opportunity to converse with you today.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Queen Creek - Arizona Short Sale Specialist

Watch Kevin and Fred, Short Sale Specialists, on the Short Sale Power Hour. Video for Short Sale Specialists.

Hello once more and welcome to our blog. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale agents. Closing greater than 300 short sale transactions in the last few years, we are basically the most successful short sale agents in the Scottsdale locale.

One of the questions that we are asked normally is "what makes us different from other realtors? Do we have contacts inside the bank?" A few years ago, we would not have said that our contacts within the bank were beneficial to us. Nevertheless, we have come to understand that our contacts have saved a number of transactions in the last few years. Our contact with people inside the lenders have helped us delay foreclosure sale dates and get transactions accepted.

If we require something urgently, we seem to be getting some special treatment. Your short sale is not going to automatically be accepted five times quicker than others. Nevertheless, you can rest assured that our team has those key contacts and we recognize how to apply them.

No matter which bank you are working with, Chase, Citi, Wells Fargo, B of A, or any other bank, we've worked with each of them. greater than 100 banks have worked with us in some way, shape, or form. Each bank operates in a different way. And likewise, each bank has a somewhat different way of managing short sale folders. Nevertheless, with our skill closing greater than 300 short sales in the last few years, we are ready for each situation.

We would consider it an honor to talk with you soon. We look forward to helping you make a decision regarding your residence.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Glendale - Short Sale Arizona

Hello and welcome to our blog. We are Fred Weaver and Kevin Kauffman, Arizona's leading short sale specialists. We have closed hundreds of short sales and we would like for you to get in touch with us to learn more.

We wanted to speak to you today concerning what is going on in the short sale business today. Specifically, can foreclosure sale days be deferred and as a home owner when should you start working with us in a short sale agreement.

Lately, some of the investors don't want to defer foreclosure sale days as much as they have in the past. A year ago, if we were chatting, I would have informed you that we can get your home on the market and receive an offer in 60 days allowing your foreclosure sale date to be deferred. To be really honest, that is not occuring anymore.

If you are in a position where you are 60 or fewer days from foreclosure, please call us. We are not saying that your home is going to go to foreclosure. Still, if you haven't missed a payment up till now or you are merely a payment or 2 behind, please get in touch with us quickly. The earlier you act, the better off you will be. If we have more time, we have a better likelihood to make a positive outcome for you.

You should make certain that you are dealing with a specialized group that has associations within the bank and can fruitfully complete your short sale. The banks do want to help you out, but you need to get in touch with us sooner rather than later.

Thank you for joining us today. Please fill out the form here on our website so that we can be in contact with you quickly. Have a fantastic day!

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Casa Grande - Arizona Short Sale Specialist

Hello and welcome to the Group 4610 website. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale Realtors. We have completed more than a couple hundred short sale transactions since 2008. With a greater success rate and more experience than almost any other agent in the Arizona Short Sale world, we are the premier short sale agents in the district.

We would like to speak about a touchy matter these days. Should you short sale your house? The strategic default, or as we refer to it, the business decision, is a awfully hot matter recently. You may be a house owner out there that is upside down on his mortgage. For illustration, you may owe $400,000 on your mortgage, but your house is only worth $200,000. You may be in a situation where you are getting ready to stop working or you are preparing to relocate. Maybe you have the capacity to pay your mortgage, but you are doing this at the determent to your household. Basically, you are throwing cash at a bad asset or investment.

We have had numerous people come to us and say 'What am i doing here? What should i do?' The short sale, foreclosure, or keep paying the mortgage are all choices that house owners are taking into consideration. We will not tell you what you should do, but you should make the correct decision for you and your household. Lots of people think that they have a moral obligation to make their payments.

While that is a valid point, there are a few things in your mortgage agreement that give you the right to stop making payments. Likewise, the lender has the right to foreclose or agree to a short sale. You have to assess what is most important to you. If that means that you have to walk away from your house with a short sale, you should strongly consider it.

There are a couple things you ought to always keep in mind. This is a individual decision for you. Don't permit anyone to tell you what is right or wrong. Your mortgage is a agreement that has choices for you to contemplate. Look at what your house is worth at present. How long will it take you to get your mortgage back to even? There are consequences to each option that you have. Contact us today and we can help you evaluate those consequences.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Tempe - Arizona Short Sale Specialist

Welcome to Group 4610's blog. We are Kevin Kauffman and Fred Weaver, Arizona's Best Short Sale group. We have closed hundreds of short sales over the past few years. Yet, this video isn't about us, it's about you!

One of the common discussions we have with residence owners is about missing payments. Many of these residence owners are even now current on their mortgage payment. Possibly they haven't yet experienced the cut in their income or they haven't totally depleted their entire savings account so far. They frequently want to know whether they should or should not miss payments.

Realize a few things about short sales. It is feasible to complete a short sale without missing payments. Yet, with the regularity that short sales are being done, the lenders aren't even allowing for a short sale until the residence owner is missing payments. We think that the lenders have made that change since they do not want the residence owner to take advantage of a short sale and still avoid the harmful effects of missing payments. In addition, it is certainly a way for the lenders to keep short sale numbers down. There isn't a single lender in the land that has enough staff to handle the short sale folders they already have.

We are never going to tell you to make or miss your payment. Yet, we can tell you that the lender will want to witness you miss some payments before they choose to even look at your short sale. Most of our customers are okay with the credit hit and knowing that they can get back into a residence in a few years. We will talk about the decisions that are in front of residence owners in a future episode.

Fill out the document on our website so a member of our group can have a short talk with you. Thank you for joining us today. We will chat with you again soon.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Casa Grande - Mortgage Short Sale Arizona

Winterizing More Than a Hundred Homes

According to the October 2008 KAALTV article, Winterizing Foreclosed Homes, in Austin, MN a local plumbing company winterized more than 100 homes, and expected things to get busier as foreclosures continue to escalate.

Why Banks Like for Foreclosed Homes to be Winterized

When a home is foreclosed on, it can sit vacant for months - even over a year in this economy. When a home sits vacant, especially during the winter season, pipes can burst causing water to flood.

Even if the water is turned off, the water that sits in the pipes can cause floods or damaging leaks. And, what follows floods and/or water damage? Mold.

Now imagine this sitting for weeks or months with no one being aware of it.

This is why lenders pay plumbing companies, property preservation companies, real estate services enterprises and/or foreclosure cleanup companies to winterize properties. In the long run, it costs them less money.

If you're a foreclosure clean up company, winterization is an easy service to offer. And, it can be quite lucrative because it is one of those services that banks don't hesitate to pay for, unlike some other services.

So, you may be wondering, exactly . . .

What Is Winterization?

Basically, winterization is protecting a home while it is unoccupied for long periods of times. A lot of this has to do with preventing water from entering a home and pipes from bursting. Another equally important component is dealing with the heating and cooling system.

Following are some things that should be done to a home during the winterization process.

Shut Off Water: This should be done at the main valve or at the inlet to the meter. Once the water is shut off, the meter should be capped - preferably by a professional - so that it can't be turned back on.

Drain Water Heater: Remember, even if the water is turned off, if something happens, water left in pipes or a water heater can still cause flooding.

Drain Pipes: For the same reason as above, this should be done.

Open Faucets: This allows them to drain completely.

Drain Toilets: Be sure to get rid of any excess water left in the tanks; wipe them dry.

Turn Off Heating System: If you have an electric system, make sure it's turned off at the circuit breaker. This prevents the burning up of heating elements.

Turn Off Gas & Electric: Call your local electric company to make sure this is done.

Check for Faulty Faucets and Broken Pipes: If damage is found, make sure it's repaired so that when water is turned back on, there are no leaks.

This is by no means an exhaustive list, but it gives you an idea of what goes into winterizing a home.

HUD Payment Guidelines: Home Much Do Banks Pay for Winterizing a Foreclosed Home

If you're a foreclosure cleaning company and want to offer this service, what you will be paid depends a lot on what HUD pricing guidelines are in many cases. This is because many bank-owned properties fall under HUD.

For example, in the state of Georgia, HUD will pay anywhere from $100 to $460 for winterizing a foreclosed home, depending on the type of heat it has (ie, dry heat, steam heat, wet/radiant heat).

As you can see, this can be a very lucrative service for any foreclosure cleaning company to offer - and it shouldn't take more than a few hours (or less) for a skilled professional to do.

May be reprinted with the following, in full: Learn everything you need to know about how to price winterization services -- and how to price foreclosure cleaning jobs in general -- in The Pricing Guide for Foreclosure Cleaning & Real Estate Service Businesses: How to Price Jobs for Profit, which can be found at Start-a-foreclosure-cleanup-business.com.

Article Directory: EzineArticles http://ezinearticles.com

We are Group 4610, Arizona's Premier short sale team. Short Sales in Arizona are our business. We repeatedly get questioned about why we are the best short sale agents in Arizona. Essentially, what seperates us from other agents in this Arizona short sale market?

I had a recent situation where a friend was going through a short sale and needed some guidance as to what to do with a short sale at Bank of America. I coached her a little bit and gave her some thoughts to pass on to her short sale realtor. Essentially, if you are having troubles escalate to somebody higher up at the bank.

After getting off the phone with her, something dawned on me. I should have told her something else. It's not about what we do. Do not get me wrong. We have fantastic strategies and we have great relationships inside the bank. When we ask for something, they are conscious of who we are and they react to us. This happens because they know that we complete short sales. We aren't there to waste anybody's time.

Essentially, our accomplishment is a direct result of our mindset. Short sales are complex transactions. They are not like the traditional real estate dealings. Finding answers to problems, no matter the circumstances, is what we do best. Our deepest committment is our target and, in turn, your consequence.

If you choose to work with us, know that when you enter into a relationship with us we take that incredibly seriously. Our deepest committment is to get your short sale done effectively. We have a mindset that we are going to get the transaction done and help you avoid foreclosure. There are troubles that arise in this process all the time. Nonetheless, we choose to overcome those troubles.

If you have questions, get them answered here What Is A Short Sale - Short Sale Vs Foreclosure