IT'S A SIGN OF THE TIMES!

Most of us grew up thinking that if we planned well and played by the rules, we’d never have to stand by as our financial lives unraveled.

But upheaval on Wall Street, unacceptable rates of unemployment and plummeting real estate values have taken their toll. Since 2007, 7.9 MILLION homeowners have lost their homes to foreclosure. Current estimates are that ONE IN FOUR homeowners owe more on their mortgages than they could get from the sale of their home. Millions more homes will be lost to foreclosure before this real estate crisis runs its course.

The sad fact is that foreclosure is not an isolated event. For months leading up to the loss of a home, financially strapped homeowners live under a cloud of uncertainty. And then for many years afterwards, the blow to credit gets in the way of buying another home or buying anything on credit. Foreclosure even complicates employment prospects.

The impact of foreclosure is huge and the sad fact is that it’s often avoidable.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially strapped homeowners with options to foreclosure, ensure that they steer clear of scams, and help navigate them through the solution that best meets their needs.

Among the most important facts to keep in mind: the sooner help is sought, the better the options.

These are tough times, but more help is available than ever before. If you or someone you care about is ready to navigate away from the dark cloud of an unmanageable mortgage and realize that hope and blue skies are within reach, contact me today and let’s get started.

Stephanie Crain
928-242-4911
Stephanie@WMHRealty.com

Has your situation changed since you bought your home?

Seems like every time we think things might be getting back to normal, the economy tosses us another curve.

If the mortgage payment that that felt feasible at the time you closed on your home is no longer manageable, you are in good company. In fact, current estimates are that 6.3 million homeowners are in some stage of foreclosure.

Please know that I am here to help you and anyone you care about with any homeownership challenges that you might be facing during these tough times. I cannot emphasize enough that foreclosure is NOT the only option.

As a real estate professional who has achieved the Certified Distressed Property Expert (CDPE) designation, I am tapped into major lenders and the latest options for avoiding foreclosure and helping homeowners to get a fresh start to their lives.

Please don’t hesitate to let me know how I can help.

Respectfully yours,

Stephanie Crain
REALTOR
White Mountain Heritage Realty
928-242-4911

Take action now to turn it around in 2012

Recent economic upheaval has taken a hefty toll. Looking forward to 2012, it’s impossible to know what’s next and the kind of an impact that an upturn or a downturn at the national level stands to have on your family’s finances.
Regardless of what happens in Washington or on Wall Street, two things are very clear: you are not alone and now is the time to prepare for a new normal.
With a national epidemic of unemployment or underemployment, and 25 percent of the homeowners in the country owing more on their home than they could net for it in today’s market, homeownership for many has become a financial liability. Not being able to make payments on a home that you can’t afford to sell feels like an awful trap, but the fact is, there are solutions—and foreclosing on your mortgage is not one of them.
Loan modification is an option for many and banks are increasingly willing to negotiate short sales. In many cases, they’re offering sizable financial incentives to help financially strapped homeowners to get a fresh start on their lives.
As real estate professional who has achieved the Certified Distressed Property Expert (CDPE) designation, it is my mission to give homeowners the gift of a fresh start.
Contact me TODAY and let’s get started.


Stephanie Crain
REALTOR
White Mountain Heritage Realty
928-242-4911