Stop Monmouth County Foreclosure

Resolve to Face the Facts!

Tue, 17 Jan 2012 14:03:35 GMT

Resolve to Face the Facts!

Since 2007, 8.9 million homes have been lost to foreclosure and millions more are headed in that direction.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to ensure that you or anyone you care about does not add to that statistic.

The unfortunate fact is that so many homeowners who have played by the rules and never imagined that they could be facing foreclosure are now in a very tough situation.

More than one in four homeowners owes more on their mortgage than their home is worth. On top of that staggering statistic is the fact that millions of homeowners are unemployed, or underemployed and falling further behind every month.

Sound familiar? Rest assured you are not alone.

If you feel that you are headed toward foreclosure, or if you are avoiding facing that fact, the sooner you reach out for help, the better your options.

As a CDPE agent, I help distressed homeowners to work through every aspect of the denial and discouragement that accompanies a mortgage which is no longer manageable, and in the process, to move toward financial solvency.

If you or someone you care about is ready to tip the scales back toward financial solvency, contact me today and let’s get started.

Vivian Morffi, 732-567-7529 vmorffi@kw.com

Vivian Morffi, CDPE

Keller Williams Realty

50 B Route 9 North

Marlboro, NJ 07751

732-536-9010 Ext.163

Missing Mortgage Payments? - There is a Way to Avoid Foreclosure

Fri, 01 Jul 2011 09:35:03 GMT

Missing Mortgage Payments? - There is a Way to Avoid Foreclosure

It’s Not Too Late - to Avoid Foreclosure

Wondering what a homeowner should expect when payments are missed? The most important thing to know is that no matter what stage of default a homeowner is in, there is almost always a way to avoid foreclosure. That being said, the quicker a homeowner does something about the situation, the less challenging it will be to resolve.

First, here’s what a distressed homeowner should expect to happen when payments are missed:

30 Days Late: The lender will attempt phone contact or send a notice in the mail.

60 Days Late: The lender will attempt to make contact by phone and follow up with another letter in the mail.

90 Days Late: The lender will send a letter demanding all past due amounts within 30 days and start the foreclosure process.

120 Days or More Late: The lender’s attorneys will take over and the homeowner will be responsible for their fees in addition to missed mortgage payments and the loan amount due.

Not late yet, but about to be?

Homeowners that are not late but foresee missing payments should communicate this to their lenders as soon as possible. In the past, many banks wouldn’t work with homeowners unless they were one or more payments behind. In light of the mortgage crisis, most lenders who would rather take a proactive stance and decrease their loan losses. They are more willing than ever to work with homeowners to avoid being late.

If you are visiting my website, you or someone you care about may miss mortgage payments in the near future. I can help navigate the process and put you back on a path to financial stability. Contact me today and alleviate the stress that comes with unaffordable mortgage payments.

Check my FREE reports on how to avoid foreclosure, to the right.

Vivian Morffi, CDPE

Keller Williams Realty

50 B Route 9 North

Marlboro, NJ 07751

732-536-9010 Ext.163

What is a deed in lieu of foreclosure in Marlboro New Jersey by real estate expert, Vivian Morffi?

Tue, 21 Jun 2011 14:30:03 GMT

What is a deed in lieu of foreclosure in Marlboro New Jersey by real estate expert, Vivian Morffi?

Are you moving from Marlboro New Jersey? Did you get a job in another state? Do you have a house that you don’t know what to do with? Have you tried to sell your house in Marlboro New Jersey and not been able to do so? If you have tried this or if this sounds like you, then this discussion is for you.

You have an option to do what is known as a deed in lieu of foreclosure. Basically you are offering the bank title to the house in Marlboro New Jersey in the shape that it is in and then you can go on your merry way.

Now the bank has some options and it does not have to accept your offer. There are some distinct advantages to do this though. If the bank doesn’t accept your offer and instead your house in Marlboro New Jersey goes into foreclosure the bank will be unable to sell it if an interested buyer were to contact them.

If the house in Marlboro New Jersey were to be foreclosed the bank has to go through several steps before that house can actually sell. First the original owner has to be served certain court papers. The bank may have to wait while it is published. It may be some time before a sale can actually occur.

So what happens if they accept your offer? They will check your credit. They will check to see if you have any liens against the property. They will check the public records and as long as all of the searches come back clear, the bank will be glad to accept your deed.

There is a lot of free information available to you about buying, selling or investing in Marlboro New Jersey real estate. For complete information about the Marlboro New Jersey real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Marlboro New Jersey real estate at . Please feel free to contact me with any of your real estate or mortgage related questions and I would be more than glad to answer your questions. Call me on my cell at 732-523-0675 or email me at vmorffi@kw.com.

Vivian Morffi, CDPE

Keller Williams Realty

50 B Route 9 North

Marlboro, NJ 07751

732-536-9010 Ext.163

Short Sale vs. Foreclosure

Fri, 17 Jun 2011 09:37:14 GMT

Making the Right Choice for a Stable Future

Report comparing the two scenarios so homeowner can make an educated decision about how to proceed when faced with this challenging situation.

Points discussed:

Effects on Your Credit

Effects on Current and Future Employment

Effects o n Ability to Buy a Home in the Future

Deficiency Judgment

Psychological Effects

Weighing Your Options

Get your free report today at monmouthdistressedpropertyexpert.com

Vivian Morffi, CDPE

Keller Williams Realty

50 B Route 9 North

Marlboro, NJ 07751

732-536-9010 Ext.163

Strategic Default is Misleading

Tue, 01 Mar 2011 17:12:39 GMT

3 Reasons the Term “Strategic Default” Is Misleading

In a recent study, the Chicago Booth/Kellogg School Financial Trust Index found that a full 36% of Americans would consider “strategic default”—another term for walking away from your mortgage—if they were underwater (owed more on their home than what it was worth).

Now that more than one in four American homeowners is “underwater,” I feel that it’s important for the community to know the truth about strategic default.

The truth is the foreclosure process carries with it credit issues, current and future employment challenges, issues with security clearance and possible debt collections.

That’s why it is vital to explain the 3 reasons why the term “strategic default” is misleading:

1. There’s nothing strategic about defaulting on purpose, especially when you have options like short sales, mortgage modifications, and refinance (just to name a few) that may keep you from foreclosure.

2. The waiting periods to apply for a new mortgage loan are at least five years less in a short sale vs. a foreclosure.

3. A foreclosure will show up on your credit report every time you apply for a home loan, car loan, new job, etc., and will affect your financial situation for many years to come.

If you are underwater and can no longer afford your mortgage payments, you need to create a genuine strategy to avoid foreclosure, helping to provide stability for you and our community.

If you have any questions about what steps you or someone you care about should take next, contact me today!

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

Solving Your Personal Mortgage Crisis Just Got Easier

Thu, 17 Feb 2011 09:03:09 GMT

SOLVING YOUR PERSONAL MORTGAGE CRISIS JUST GOT EASIER!

When you or someone you care about is facing the prospect of losing a home to foreclosure, the emotional strain can make the challenge seem unbearable.

I can help you break free of the strain and take control of your financial future.

What's better is that my services come at absolutely no cost to you, the homeowner, and can truly affect change in your life for the better.

STRAIGHTFORWARD SOLUTIONS ELIMINATE CONFUSION

Our country is in a nationwide mortgage crisis. This has prompted lenders and the government to find straightforward solutions to put our country back on track … solutions you can take advantage of.

Lenders are streamlining their short sale programs and making them more available to homeowners who want to move forward with their lives.

The federal government, too, is reaching out with its recently improved Home Affordable Foreclosure Alternative (HAFA) Program that offers cash incentives for successful foreclosure avoidance transactions, cash to help you build a new financial foundation.

To find out more about how I can help you take advantage of these programs, download an informational brochure about your foreclosure alternatives here:

www.MonmouthDistressedPropertyExpert.com

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

Lenders Primed for Short Sales in 2011

Mon, 03 Jan 2011 17:09:39 GMT

Lenders Primed for Short Sales in 2011

Short sales are a terrific option for homeowners struggling with unaffordable mortgage payments. In fact, lenders’ losses due to foreclosure are projected to increase at record rates in 2011, giving them more reason to pursue short sales. Lenders are projected to incur losses as severe as 85 percent in foreclosure! Meaning, after deducting the expense of the foreclosure process on a $100,000 loan, they may only get back $15,000!

It’s common sense that lenders will be looking toward the short sale solution. Even though they are accepting less than is owed on the property, they lose far less than in a foreclosure sale.

It may be a surprise to many that lenders actually want to work out a solution that benefits all parties. Oftentimes, the lender is seen as the villain in the situation. I’ve found that the lenders want to avoid foreclosure just as much as homeowners. The free, downloadable report on this website talks more about working with your lender, and details all the foreclosure alternatives available to you.

Download the report and call me today; I can help you develop a plan to work with your lender and avoid foreclosure.

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

Foreclosure Freeze: What Does it Mean for Homeowners?

Tue, 19 Oct 2010 09:41:55 GMT

You may have heard that Bank of America, Ally Financial (formerly GMAC), and JPMorgan Chase have all temporarily suspended foreclosure proceedings to investigate possible problems with mortgage documentation. Bank of America has frozen foreclosures in all 50 states, while Ally and Chase have halted proceedings in the 23 states that resolve foreclosures through their judicial systems.

For homeowners having problems making mortgage payments, in Monmouth NJ this may seem like tremendous opportunity to stay in their homes. The unfortunate reality is that the foreclosure process will start again, and for those facing foreclosure, the real opportunity lies in the extra time to find better alternatives. The first step to take during this opportunity is to contact an educated real estate agent as soon as possible to learn about options.

For homeowners who owe more on their homes than what they’re worth and don’t what to do in Monmouth County NJ, I can help provide options and hope during this time of uncertainty. Together, we can take a proactive approach to a situation millions of Americans are facing everyday. We can use this extra time for developing a strategy to get past this time of distress, and move toward a brighter, more stable future.

MonmouthDistressedPropertyExpert.com

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

Short Sales vs Foreclosure

Mon, 27 Sep 2010 11:24:10 GMT

Is anyone you know struggling to make mortgage payments? With millions facing foreclosure today, chances are someone you know is in this situation.

The first thing to understand is that you are not alone, and there are dignified solutions to foreclosure. A short sale is one alternative becoming more and more common. Many homeowners pursue this route because the financial effects of short sales are much less damaging.

From loan eligibility to credit status, the results of a short sale leave you in a much better financial position than foreclosure. To explain further, I've created a free report showing the exact differences between a short sale versus foreclosure, which you can download here:

http://www.monmouthdistressedpropertyexpert.com/

This isn't the easiest situation to deal with. However, confronting an unaffordable mortgage head-on with the right information can help homeowners regain financial stability.

As a CDPE-designated agent, I have extensive training in pursuing foreclosure alternatives. I can help homeowners figure out their best possible options.

I hope things are well, and please don't hesitate to contact me. I'm always here to help.

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

Understanding HAFA

Thu, 01 Apr 2010 21:27:57 GMT

There is big news for homeowners in America. In an effort to slow the rising number of foreclosures, a government-backed program has been released: the Home Affordable Foreclosure Alternatives Program (HAFA). Basically, the program aims to save as many Americans from foreclosure as possible, which also saves the overall value of the surrounding communities.

HAFA offers a $3,000 homeowner incentive for successful short sales or deeds-in-lieu, and also guards the homeowner from harmful lender actions.

To learn more and find out if you are eligible, you can download my free report here:

www.MonmouthDistressedPropertyExpert.com

With one in six homeowners struggling to make mortgage payments, there is probably someone you know who could use this information.

As a Certified Distressed Property Expert, I am trained specifically on how to assist homeowners dealing with financial hardship. If you or anyone needs professional help with foreclosure avoidance, please contact me right away.

I'm here to help.

Vivian Morffi

Keller Williams Realty West Monmouth

732-536-9010x163

vmorffi@kw.com

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

This Month in Real Estate-March 2010

Sat, 27 Mar 2010 08:35:33 GMT

Each month, This Month in Real Estate provides expert opinion and analysis on real estate trends across the nation.

If you need help or are facing foreclosure, please visit my website at:www.MonmouthDistressedPropertyExpert.com

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

new post 2

Fri, 26 Mar 2010 15:22:02 GMT

address>Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

February Monthly Report

Mon, 08 Feb 2010 18:46:10 GMT

February's report for consumers is another important tool for homeowners facing foreclosure. Now is the time to educate yourself with the right information on your foreclosure-avoidance options. Formulate a plan, know your next steps, ask for help.

As a CDPE-designated agent, I've been trained to assist you. Download this report or call me for more information. The report can be found at http://www.monmouthDistressedPropertyExpert.com

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

This Month In Real Estat

Fri, 22 Jan 2010 18:55:43 GMT

Each month, This Month in Real Estate provides expert opinion and analysis on real estate trends across the nation. The aim of the consumer-oriented segments is to provide real information on real estate.

www.youtube.com/watch

Vivian Morffi, CDPE

Keller Williams Realty

176 Route 9 North

Englishtown, NJ 07722

732-536-9010 Ext.163

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:37 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.

Vivian Morffi
732-536-9010x163

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

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: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

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.

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

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.

Vivian Morffi 732-536-9010x163

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.

Vivian Morffi
732-536-9010x163

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!

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.

Don't Walk Away From Your Mortgage

Stop Don't Walk Away From Your Mortgage

At a Crossroads?

Walking away or "strategically defaulting" on your mortgage is not the answer. You will find that there is nothing strategic about foreclosure, especially when there are solutions to avoid it.

You should know that you have options, and that you are not alone. More than 25% of American homeowners now owe more than what their homes are worth, and millions more are having a hard time paying their mortgages.

I've developed a free, detailed report on foreclosure alternatives you can download below. Download it today and give yourself a green light for a solid financial future.

The sooner you take this step, the more time you'll have to act and move toward a more promising tomorrow.

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!

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!