I have witnessed first hand how this market has caused unbearable stress and heartache, and I  understand. 

Foreclosure is NOT your only option. Let’s chat, no obligation, no charge. Expect discretion, I really want to help. 916.768.4408. You are not alone, millions of homeowners are facing foreclosure right now. 

Are you wondering if you have any options? Have you stopped making your mortgage payment, or perhaps you are struggling to make your mortgage payments? A number of things can qualify you as a candidate for a short sale. Job loss, loss of income, illness, total debt, trauma, divorce, injury, disability, death, legal issues, increase in living expenses, job relocation when the property does not have any equity, etc..     

Do you know that a knowledgeable Realtor can help you get your bank to allow you to sell your home for LESS than what you owe? If you are in a financial hardship, the bank pays the closing fees, including the Realtor commission, in additional to forgiving the shortage amount, if you meet the Lender’s criteria.

If you are in a financial hardship and you are willing to sell your home to avoid foreclosure, some lenders will agree to put your foreclosure on hold while you attempt to sell your home through traditional real estate methods. 

Banks do not want to foreclose. It is expensive, it increases their liability, and it decreases the real estate market value.

Useful information to have when calling me. 916.768.4408.

1.       APPROXIMATE Mortgage Amount(s).

2.       Home Address.

We are in very difficult times and the truth is, mortgage hardship knows no prejudice. It doesn't care about your age, number of years on the job or the size of your mortgage. This is not just a sub-prime issue.  Anyone can suddenly find themselves in a mortgage mess, even if you have done everything right! Here in California, most of us have been affected to some degree. 

Chances are, right now you or someone you know in behind in their mortgage payments and facing the possibility of foreclosure. If this is your situation, please understand that you are not alone.

Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged. Let me help...

"Dear Cheryl, Thank you so much for helping me! I was so stressed and ready to just walk away because the banks made me so upset everytime I talked to them.  You took them on and closed my short sale in 4 months.  I couldn't have done it without you!" - Courtney

Through my experience handling distressed properties at RE/MAX, I've found that most people have more questions than answers about their circumstances. In my own research on the subject, I saw so much confusing and misinformation I became frustrated myself! I have created this site to give you simple and accurate information to help you understand this current mortgage mess and the possible solutions to foreclosure. I have also provided a detailed explanation of short sales, which may be the best course of action for some homeowners.

I've offered a FREE Report for you to download, which explains your options and will help you decide on a course of action. Being behind in your mortgage and the thought of  losing a home can be more than overwhelming. Ignoring it won't make it go away and the fact that you've taken the first step in researching my site shows you have some questions. Now more than ever it is vital for you to have all the facts necessary to make an informed decision.

As an real estate agent with the CDPE® Designation, I am educated, connected with resources, honest, a skilled negotiator and hard working..  You want me working for you.  Don't fall for the out of area sales pitches.  I know our area and consequently how that information affects your situation specifically. You need to know that there are options available to you.

If you would like to know more about your options, please call me at 916.768.4408. It's amazing how much stress can be relieved by a casual chat over a cup of coffee!

I am here to help … in any way I can.