FLAT FEE MORTGAGE MODIFICATION $2500
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Atrasado en su pago hipotecario? Podemos ayudarlo!
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Losing Your House? You Have Options!
Perdiendo su casa? Tiene opciones!
Modification
A Modification is the process in which the homeowner makes an agreement to bring the loan up-to-date by placing all arrears back in the loan and making a new payment plan with the lender. Note that if you are fortunate enough to obtain a modification, you must try not to fall behind again because the bank is not likely to offer another one.
Modificacion
Una modificación es el proceso en la cual el propietario llega a un acuerdo para actualizar el préstamo volviendo a colocar todos los atrasos en el préstamo y a la vez elaborando un nuevo plan de pago con el prestamista. Tenga en cuenta que si tiene la suerte de obtener una modificación, debe intentar no quedarse atrás nuevamente porque es poco probable que el banco no le ofrezca otra.
Short Sale
Short sale occurs only if the homeowner owes the lender more than the house is currently worth. A short sale is a process that assists the homeowner in obtaining the lender's permission to sell the home for a lesser amount and the deficiency that the homeowner may owe after the sale is forgiven. Note that in a short sale the lender decides what sale price they will accept, not the homeowner.
Venta Corta
La venta corta ocurre sólo si el propietario le debe al prestamista más de lo que vale actualmente la casa. Una venta corta es un proceso que ayuda al propietario a obtener el permiso del prestamista para vender la casa por una cantidad menor y la deficiencia que el propietario pueda adeudar después de que se condone la venta. Tenga en cuenta que en una venta corta el prestamista decide qué precio de venta aceptará, no el propietario.
Sell Property
Listing your home doesn't have to be stressful or overwhelming. See what your home is worth today!
Venta De Propiedad
Poner a la venta su casa no tiene por qué ser estresante o abrumador. ¡Vea lo que vale su casa hoy!
STEPS TO FORECLOSURE
(1) First 3 to 6 Months of Nonpayment
After a homeowner fails to pay their mortgage for ninety days, the accelerated clause of their mortgage kicks in, and the lender is allowed to begin the foreclosure process.
(2) Foreclosure Attorney Retained by the Lender
The foreclosure attorney begins the foreclosure process.
The foreclosure attorney will send a formal letter to the homeowner requesting full payment of all past due payments prior to filing a foreclosure lawsuit.
(3) Foreclosure Lawsuit
The foreclosure lawsuit can be served to the homeowner anytime between the 4th and 6th month of non-payment.
It is imperative that the homeowner files a formal response to the complaint.
Failure to do so will result in the acceleration of your foreclosure case in the legal process, which means you will lose your home sooner rather than later.
(4) Preliminary Proceedings in Foreclosure Court
The homeowner's first court appearance is a
mediation conference where the court attempts to assist the homeowner and lender in resolving the matter via modification with plans to resume modified mortgage payments.
(5) Adversarial Proceedings in Foreclosure Court
If the homeowner and lender fail to resolve the outstanding mortgage due, the bank attorney will make a motion to appoint a referee (a person designated to sell your home).
Again, it is imperative that these motions are responded to; if you don't, the lender's motion will automatically be granted.
(6) Judgment Day
Once a referee is appointed, the bank needs to obtain a judgment to sell your home.
The judgment specifies the monies owed by the homeowner, including past due payments, interest and litigation fees.
Once a judgement is signed, your home can be sold.
PASOS DE EJECUCION HIPOTECARIA
(1) 3 a 6 Meses De Falta De Pago
Después de que un propietario no pague su hipoteca durante noventa días, la cláusula acelerada de su préstamo hipotecaria y al prestamista se le permite iniciar el proceso de ejecución hipotecaria si no se paga todos los pagos atrasados.
(2) Abogado De Ejecución Hipotecaria Retenido Por El Prestamista
Cuando el propietario no paga el monto acelerado, el prestamista puede contratar a un abogado de ejecución hipotecario para comenzar el proceso de ejecución hipotecaria.
El abogado de ejecuciones hipotecarias le enviará una carta de pago solicitando el
pago completo de todos los pagos atrasados antes de presentar una demanda por ejecución hipotecaria.
(3) Demanda De Ejecución Hipotecaria
La demanda por ejecución hipotecaria se puede presentar al propietario de la vivienda en cualquier lugar después del cuarto o
sexto mes de impago.
Es imperativo que el propietario presente una respuesta formal a la queja.
Al no hacer esto, se acelerará su caso de
ejecución hipotecaria en el proceso legal, lo que significa que perderá su vivienda más temprano que tarde.
(4) Procedimientos Preliminares En La Corte De Ejecución Hipotecaria
Inicialmente, la primera conferencia del propietario es una conferencia de mediación en la que la corte intenta ayudar al propietario y al prestamista a resolver el asunto a través de una modificación..
(5) Procedimientos Adversariales En La Corte De Ejecución Hipotecaria
Si el propietario y el prestamista no logran resolver la hipoteca pendiente, el abogado del banco hará una moción para designar un arbitro (la persona que venderá su casa).
Una vez más, es imperativo
que se respondan estas mociones, si no lo hace, se otorgará automáticamente la moción del prestamista.
(6) Dia Del Juicio
Una vez que se designa un arbitro, el banco debe obtener un juicio para vender su casa.
El juicio establece el dinero adeudado,
incluyendo los pagos atrasados, los intereses y los honorarios de litigios.
Una vez que se firme el juicio, su casa puede ser vendida.
BEST SOLUTIONS TO STOP FORECLOSE
Make your mortgage a priority bill to pay and try not to fall behind;
If you are dealing with unforeseen circumstances such as a loss of employment, contact your lender immediately as they may have an alternative payment option.
Do not allow arrears to pile up, contact your lender, they are usually willing to work with you.
If you cannot afford your home, sell it before your lose it.
Most importantly, try to avoid foreclosure by following the steps above.
About Us
Anadel Canale, Attorney & Broker.
Agente y Abogada
With an extensive background spanning 25 years as an attorney and 13 years as a seasoned real estate broker, Anadel Canale possesses the ideal blend of expertise to guide you in preserving your home.
Specializing in foreclosure, Anadel Canale is your trusted partner in aiding distressed homeowners. Over the past 17 years, she has successfully assisted hundreds of homeowners in securing modifications, ensuring their homes remain a secure and
stable haven.
A & C Shortsale LLC
A & C Shortsale LLC specializes in streamlining and simplifying the short sale journey for homeowners, real estate professionals, attorneys, and lenders alike. Our dedicated team is committed to ensuring a seamless and effortless experience throughout the entire process.
At A & C Shortsale LLC, we pride ourselves on our ability to process short sales with unparalleled efficiency and speed, recognizing the importance of timely transactions in the real estate market. Our experienced professionals navigate the complexities of short sales with expertise, ensuring a swift resolution that benefits all parties involved.
Our customer-centric approach is rooted in exceeding expectations. We understand that each client is unique, and we tailor our services to meet their individual needs. By consistently surpassing the expectations of our customers, we have built a reputation for reliability and excellence in the industry.
The Homeowner
When homeowners are in foreclosure, they face the difficult decision of determining whether they should keep their home or sell it.
Homeowners are often misguided by professionals whose main concern is to profit from the homeowner's vulnerable situation, instead of working towards a solution which is best suited for the homeowner.
A & C Shortsale LLC always puts the needs of the homeowner first. Modify or Short sale is your choice.
Real Estate Professionals
Short sales can be time consuming, monotonous and tedious. Real Estate professionals don't make money by sitting in an office processing short sale paperwork.
A realtor's time is better spent finding leads and signing new clients.
The A & C Shortsale LLC processing team assists realtors with the short sale process, so they can spend more time on getting clients.
Realtors are provided with weekly updates on the status of their short sales.
Lenders
A & C Shortsale LLC can assist lenders with processing short sales in an efficient manner.
We can negotiate your real estate transactions.
This includes resolution of judgment creditors, bankruptcy to avoid judgment liens against the home, and negotiation of second mortgage lien and tax liens.
Attorneys
A Real Estate attorney’s objective is to get the contracts in and get the deals closed.
Processing short sales can be time consuming and bog your employees down with paper work, leaving little time to process contracts and other real estate transactions.
The A & C Shortsale processing team can remove that burden from both the attorney and their team.
Attorneys are provided weekly updates on the status of their short sales.
Our Mission
Making It Easier to Understand
We understand that facing the possibility of losing your home can be an incredibly daunting experience.
Our commitment is to offer assistance in a clear and understandable manner, tailored to your needs. If you ever find yourself unsure about the choices available to you, feel free to ask.
We are more than willing to engage in further discussions to clarify any uncertainties and ensure you feel at ease with the information provided.
Your comfort and comprehension are our top priorities, and we are here to guide you through this challenging process with transparency and support.
A Focus on Results
Our initial step involves collaborating closely with you to formulate a customized plan that aligns with your specific needs and goals.
Leveraging our comprehensive knowledge of foreclosure law, modification procedures, and short sale processes, coupled with a thorough assessment of your unique circumstances,
we will meticulously design a tailored pathway to achieve the results you seek.
This personalized approach ensures that the strategies employed are specifically tailored to your situation, maximizing the effectiveness of our efforts in securing a favorable outcome for you.
What Our Clients Say
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Act now! Schedule a FREE consultation today. Allow us to assist you in determining your optimal next steps.
How can we help you?
Cómo podemos ayudarlo?
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A&C ShortSale LLC
1805 5th Avenue, Bay Shore, New York 11706,
United States
+1 (516) 990-1785
Hours
Monday-Friday
10:00am - 6:00pm
Saturday
10:30am - 2:30pm
Sunday
Closed
Walk-ins Welcome