Cyanda Monaco, Distressed Property Expert

The Calgary has arrived......

Sun, 11 Apr 2010 15:42:09 GMT

There is help for homeowners in distress. If you are one of the millions homeowners in distressed situation on your home and looking for help with government programs, the calgary has arrived.

It may seem confusing with all the government programs that have been announced recently about which catagory you may fit into to receive help?

Click on the link up in the right hand corner "Government programs Eligibilty" and get the links to the programs that might fit your needs. You can take a survey right here on the website to see if you qualify for the programs. A free report will be sent to you directly via email giving you details about your qualifications for the programs....HAMP, HAFA, 2MP and HARP.

If you still have questions, contact me directly and I can help show you which program may fit your needs..It can seem confusing but I am here to help bring clarity to your indivdual situation.

This is HUGE! RE/MAX takes the lead again....

Thu, 08 Apr 2010 14:58:10 GMT

This is great news for the industry... RE/MAX is going to be able to help homeowners even more with the help of BANK OF AMERICA.. The owner of RE/MAX Dave Liniger has been diligently working hard meeting with BOA and the treasury department over the last year to help get a plan together to make short sales easier and less timely, for sellers and realtors.

In the past short sales could take from just a few months to 9 months to a year to complete..BOA had no system in place to process ALL of the short sale files they were getting....over 3,000 a day at last check.... With the help of the treasury department and the new government HAFA program, things are on track to work much better!

The video link is todays announcement about RE/MAX and BOA's new relationship. Its great news for my company! Skip to about the 4 1/2 minute mark on the video to hear the part about us (RE/MAX). Its really exciting and I am reallly proud to be working for this progressive company when others are shrinking back, we are pushing forward!!.

http://www.thinkbigworksmall.com/mypage/player/tbws/26510/1617603

If you or someone you know is in distress and need to consider a short sale, I am an expert and can give you great advice about the process.... Cyanda Monaco

HAFA Governement program for homeowners...guidelines.. bulletpointed!

Wed, 31 Mar 2010 15:32:12 GMT

The HAFA (government foreclosure avoidance program) is set to launch on April 5th 2010. There are a lot of questions about the progam and the fact that the guidelines for the program is 34 pages long doesn't help..

I decided it would be helpful for those that want to find out if they qualify to have bullet points for some of the guidelines. I think it may make it a little easier to understand. You may want to know if you or someone you know, can qualify to participate in the program! Here is the list of must have qualifications to be able to participate in the HAFA program

Mortgage must not be owned or guaranteed by Fannie Mae or Freddie Mac
Mortgage balance must be less than $729,750
Mortgage is delinquent or in default
Mortgage must have originated before Jan 01, 2009

seller must have one or more of the following

Hardship
Does not successfully complete HAMP (mortgage modification program)
Is delinquent on the HAMP mortgage modification by missing 2 consecutive payments
Does not successfully complete HAMP trial period
Requests a short sale.

Property must be Sellers Primary Residence
Must not be vacant or rented
Seller to receive $1500 relocation check

This is really the simple version.. If you need more details, I know the program inside and out... Let me know if I can help you or someone you know.....Cy Monaco

HOME AFFORDABLE FORCLOSURE AVOIDANCE program or HAFA

Mon, 29 Mar 2010 12:15:28 GMT

HAFA or HOME AFFORDABLE FORECLOSURE AVOIDANCE

Government program to help distressed homeowners.........

Foreclosure help is on its way for Distressed Homeowners that may be facing losing their homes. The new government program HAFA(Home affordable Forclosure Avoidance) a program to assist homeowners facing foreclosure, will launch on April 5th, 2010. There are cash incentives for the lenders AND the sellers that qualify to participate in the program

There, are of course, lots of guidelines for sellers to qualify. Your loan may not be a Fannie Mae, Freddie Mac, FHA or VA loan. If you are unsure what type of loan you have, contact me and I am happy to let you know what type of loan you are in.

The home must be your primary residence and you must live in the home. It cannot be an investment or rental. The lender must voluntarily agree to use the program but cannot be forced to do s

To find out more info about the federal guidelines for the program and if you qualify, contact me for the most updated info available. As a "Certified Distressed Property Expert", I am on the cutting edge and frontier of all the options that are currently available to help Homeowners in Distress...

If you have questions,,,,, I can help...........Foreclosure does not have to be an option.. Cyanda Monaco

Modification Scam!! Homeowners beware!

Fri, 19 Feb 2010 18:06:03 GMT

Loan modification Scam!!!!!. Beware of 3rd party companies that advertise to do loan modifications! Your bank should be the only party that you have discussions with about a loan modificaton. This video exposes one of the MANY scams in the our real estate industry right now. With Many homeowners facing foreclosure, the thieves in the industry are looking to capitalize on their misfortune. Loan modifications are proving difficult to complete. Homeowners are not understanding all their options and are become victims of these predators. Please contact a "Certified Distressed Property Expert" to discuss all the options that are available to you. Foreclosure does not have to be one of them. Knowledge is Power...!!

www.youtube.com/watch

Mortgage Modifications....... what a joke.....

Mon, 15 Feb 2010 12:01:31 GMT

abcnews.go.com/video/video

WOW.... and you wonder why this market can't get turned around. With the Government supposedly putting Loan modification programs out there to help distressed Homeowners, the whole system, quite frankly is a MESS.

Working on short sales and having to make calls to the banks 3 to 4 times a week.. I get this Congresswomans frustration.. I am used to it, so I stay patient, because it is my job. The normal homeowner will eventually get bogged down with the system as faulty as it is and just stop trying. I can't blame them. Most homeowners come to me, beaten down, frustrated and at the end of their rope!

The truth is that in our industry we realize that these loan modifications are a joke. With most distressed property owners losing jobs, losing hours, getting laid off, market decline on their home, debt overload, most sellers will NOT qualify for the loan modifications. Thus the sellers get SHOVED down the short sale or foreclosure path, which they all are trying to avoid

Hopefully this Congresswoman has some pull and can start getting the word out, that these programs are NOT WORKING!! We need a better solution or this housing slump is going to be with all of us a lot longer than any of us want......

Frustrated and hoping for some REAL programs that will help distressed homeowners NOW....Cyanda

What you should know about Foreclosures and Short Sales

Tue, 10 Nov 2009 20:36:49 GMT

Knowing your options is key when you are faced with foreclosure. Seller's have option's but are fearful to ask for help. The solutions that are available will save most families from their worst nightmare. Ask a professional Certified distressed property expert to help. My designation qualifies me to help answer the tough question seller's facing forclosures have. I have helped countless clients get out of their undesirable situations when they felt there was no hope left.. If you are struggling with your mortgage or falling behind in your payments, please give me the opportunity to help you turn your situation around... Cy

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:25 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Cyanda Monaco
303-523-5562

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Freezes in Foreclosure

Think a Foreclosure Moratorium Will Save Your Home?

Think Again.

You may have heard news that politicians are requesting a federal moratorium on foreclosures and wonder what this means to you, especially if you are behind on mortgage payments. The reality is that a foreclosure freeze is not the answer to your problem. However, there are steps you can take to avoid foreclosure.

On the site below I've listed 5 steps to Avoid Foreclosure, which starts out with the proactive approach in avoiding foreclosure—taking action!

I have created this site to provide a source of empowerment and education. From short sales to loan modifications, I can provide information to provide a genuine sense of hope.

For a free report on the Five Steps to Avoid Foreclosure, fill out the form below and click "Send." Remember, a moratorium won't save your home—only you can! I'm here to help.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Cyanda Monaco 303-523-5562

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Cyanda Monaco
303-523-5562

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.