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Selling a home and terms that you need to understand

Utah Short Sale Specialist
by Joe Doxey October 2, 2011

Effective home selling in North America requires real estate know how, particularly when you make the decision to sell your home FSBO. Here are some key terms that you should know A 1031 Exchange is a tax aspect of the Internal Revenue Code to allow a real estate investor who meets all the requirements to […]

Tagged as: davis county realtor, layton utah short sale specialist, utah short sale realtor, utah short sale specialist

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Hardship Letter Tip

hardship letter
by Joe Doxey September 30, 2011

Who is responsible for writing a hardship letter to the lender? It’s the homeowners responsibility to write the letter or obtain help from a real estate investor if one is involved.  The real estate investor can offer valuable experience and samples of hardship letters for homeowners to write a letter. The hardship letter should be […]

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Can I qualify for a loan modification?

Who can qualify for a loan modification?
by Joe Doxey September 28, 2011

For the record, the banks are not willing to modify your loan just because you ask. You need to qualify for it. It is a very similar process that you went through when purchasing the home, except it is a reversal process.  Instead of proving you have enough income flowing in to pay for the […]

Tagged as: loan modification eligibility, salt lake city loan modifications, salt lake city short sales, the truth about short sales

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What happens to my credit after I do a short sale?

My credit score
by Joe Doxey September 26, 2011

Many people in this situation wonder; “How does a short sale affect my credit?”  You may know by now that a short sale does negatively affect your credit.  To be perfectly honest, the better your credit is right now, the worse it will hurt.  Not because you are uncreditworthy, but because of the way the […]

Tagged as: short sale credit score, short sale help, the truth about short sales

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What is required to do a short sale?

What is required for a short sale
by Joe Doxey September 22, 2011

In order to apply for a short sale, there must be a proven hardship of some kind. The bank wants to know what happened to make your expenses go up (medical bills, new baby, rate adjustment etc.) or what happened to make your household income go down (job loss/transfer, divorce, cut back in hours, etc.) […]

Tagged as: utah real estate, utah real estate information for sellers, utah short sale information

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Do you know what your home is worth?

Do you know what your home is worth
by Joe Doxey September 21, 2011

As a homeowner, you have two important reasons for determining the true value of your home.  The first is so that you can sell your home.  The second is so that you can determine the amount of homeowner’s insurance that you need to carry. Regardless of the reason you want to determine your home’s value, […]

Tagged as: davis utah real estate agent, davis utah short sale information, davis utah short sale realtor, stop foreclosure davis weber utah

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What Layton Utah Loan Modification Programs Available for My Family?

Layton Loan Modfication
by Joe Doxey September 16, 2011

Because loan modification programs are just now becoming mainstream, there is not much in standardization.  We can serve as your loan modification counselors to ensure you understand and choose the best one for your situation. These brief explanations will help you become familiar with some of the options for loan modification: The White House/Treasury Program: […]

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Do You Qualify for a Layton Utah Loan Modification?

Do you qualify for a layton utah loan modification
by Joe Doxey September 14, 2011

For the record, the banks are not willing to modify your loan just because you ask. You need to qualify for it. It is a very similar process that you went through when purchasing the home, except it is a reversal process.  Instead of proving you have enough income flowing in to pay for the […]

Tagged as: davis utah real estate agent, davis utah short sale realtor, layton utah short sale help, layton utah short sale information

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The Truth about Davis Utah Loan Modifications

Loan modification info
by Joe Doxey September 13, 2011

There are many misconceptions of what loan modifications are. In a nutshell, a loan modification is a change in the loan terms with the lender. These changes are permanent, with the intention of a reduced payment that the homeowner can afford.  Loan modifications are similar to refinances (also called refinance); however your original loan will […]

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6 Things to Avoid When Getting a Loan Modification Directly from the Bank

6 mistakes when doing a loan modification yourself
by Joe Doxey August 26, 2011

For those of you who are determined to do it without the help of a loan modification expert, here are 6 mistakes to avoid: 6 Things to Avoid When Getting a Loan Modification Directly from the Bank: 1) Contacting your lender before you know what they need and how their program works: As well, don’t […]

Tagged as: 6 Things to Avoid When Getting a Loan Modification Directly from the Bank, do it yourself loan modifications, salt lake city utah loan modifications, saving your utah home

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I want to do a short sale! Who can qualify for a short sale?

Who can qualify for a short sale
by Joe Doxey August 25, 2011

Not everyone qualifies for a short sale. You can’t just change your mind on your mortgage and decide one day to pack up and move. Just as we discussed in the Loan Modification section, a homeowner must meet the criteria to be considered for a short sale.  Some of those same terms you learned will […]

Tagged as: how do I save my Utah home, utah real estate information, utah short sale information, utah short sale questions

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