Thousands of families in the Treasure Valley have been faced with lower property values, mortgage payment increase adjustments, under or unemployment, and other financial difficulties.  If someone you know is faced with the pressure of house payments they can no longer afford, now is the time to explore options that may lead to a healthier financial future.

Today more lenders are considering ways to help homeowner’s avoid foreclosure.  Knowledge is power, and the first step to solving a mortgage problem is learning what options are available to homeowners. Our web site outlines 8 different options for avoiding foreclosure.

Once there is a good understanding of the options, the second step is to take action by contacting a professional such as the lender’s customer service department, an accountant, attorney, or real estate agent who has specialized training about how to avoid foreclosure.

Guarantee Real Estate Short Sale Specialists can assist financially troubled property owners by helping them:

• Determine the value of their property
• Sell their property
• Obtain lender approval for a Short Sale

 Agents with the Zuber Short Sale Specialist designation have extensive training and experience in helping homeowners successfully sell their properties.  Zuber agents understand the options, solutions, and effective methods for assisting homeowners facing hardships. To learn more:

• Contact us to be referred to a Short Sale Specialist Agent in your area

The third step for homeowners is to prepare a Financial Statement that demonstrates their inability to continue making payments.  See “Preparing Your Financial Statement” for a sample of documents that will be necessary.

The fourth step is to determine a current opinion of the property’s value.  Zuber Short Sale Specialist agents are prepared to provide homeowners with a market analysis.  This comprehensive report is provided at no cost to the homeowner.

If a homeowner is behind on their payments, they should be particularly aware of the time frame that most foreclosures follow.  Time is of the essence in reaching a satisfactory solution to a mortgage payment problem.