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Orange County Short Sale Specialist..Committed to your needs
The role of our Short Sale Team is to guide you through the selling of your home and the lender negotiations process, taking the time to make sure you understand every step of the transaction. We are absolutely committed to fulfilling your needs with the highest level of professionalism, expertise and service. Our commitment to your satisfaction is the foundation from which a solid business relationship is built.
We realize that people do business with people they trust. We are interested in what is best for you, the client, and are committed to establishing a long-term relationship based on trust. We pride ourselves on being knowledgeable and staying current with changes in the industry that will affect the success of your transaction. You have worked hard to be able to own the home of your dreams. I feel the responsibility to shelter those dreams and pursue the right solution diligently.
Our approach is tailored to the needs of our clients. Your objectives, plans, and preferences drive everything we do. It's the integration of this approach with a sensitive balance between market forces and lender knowledge that enables us to provide only the best results for you.
Ezra is committed to the highest standards as an agent by being a certified Realtor, a member of the California Association of Realtors (CAR), and a member of the Orange County Association of Realtors (OCAR). It also doesn't hurt that he refuses to allow a lender to say no to your short sale, which is what makes him one of the top short sale negotiators in the industry.
The Short Sale Advantage
If you’re in need of a short sale, you’re in good hands. As a former mortgage executive with a comprehensive understanding of lender requirements, Ezra is your ultimate partner in the short sale process and has a hard to match 100% success rate. With the right expertise, approach, and contacts on your side, you can trust that your short sale will be a priority with your lender, in addition to having your case handled quickly and efficiently.
Don’t leave your short sale to chance with someone who has little proven experience with lender negotiations or a less than stellar success record. The last thing you need is more uncertainty regarding your homeownership future. Ezra understand what’s at stake, and believes you deserve only the best negotiator representing your interests to get results you want.
Top Seven Reasons to Short Sale
1. You pay no out of pocket expenses. All short sales are sold as-is, meaning you won't have to bother spending time and money on tedious home repairs. Your lender also pays for all commissions and services on both sides of the transaction, giving you the least hassle possible in moving on to your next home.
2. Your credit damage is minimized. A short sale will have a recoverable impact of 80-100 points on one’s credit, compared to the devastating effect of 250-350 points a foreclosure has on a credit score. Visit our FAQ to see how this works.
3. You can buy another home in just two years. Fannie Mae Announcement 8-16 recently set the standard that homeowners who choose to short sale only have to wait two years before buying another home. Foreclose prevents you from owning a home for at least 5 years
4. You have an assured sense of relief. Short sales in lieu of loan modifications give homeowners a firm new start. The Department of the Treasury just released a study revealing that 55% of homeowners redefault again within six months of receiving a loan modification.
5. You save money and pay less taxes. The Mortgage Forgiveness Debt Relief Act of 2007 allows short sale homeowners to not be taxed on the difference between their loan amount and the short sale price. With a foreclosure, you'll receive a 1099 for a home you don't even own.
6. You have a dignified solution to a difficult problem. A short sale allows you to stay in your home during the negotiation period. A foreclosure can become an embarassing situation as a bank representative comes by to lock up the doors and windows, change the locks, and put up "bank owned" signs on your property while the local Sheriff is contacted to have you forcibly evicted.
7. You'll have an easier time finding a nicer place to rent. If you chose to rent, a foreclosure and/or eviction are red flags for landlords that will make it very difficult for you to find a place to live in the future. However, while a short sale is being negotiated, homeowners have many more options and can easily select a new place to live at their leisure.
Experience Matters
Take a former mortgage bank executive with a long time background in lender operations, sales, and underwriting--then combine with an extensive working knowledge of the current real estate market, and you have the ultimate lender negotiator: Ezra. Let his comprehensive lender understanding work to your advantage.
It's taken years of hands-on lender experience to meet the highest standards when it comes to short sale service. Trust a professional committed to support and protect your interests. This commitment is part of a reputation of excellence that ranks Ezra with a difficult to match 100% success rate. With a mortgage executive turned agent, why expect any less?
Closings
With short sales, the combination of who and what you know can be the difference between a closed short sale and an expired listing. Ezra has dealt with all facets of the loan industry and has spent years establishing key contacts in the process. These connections play critical roles in smooth and successful short sale closings.
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President
OC Short Sale Arena
P.O. Box 2831
Capistrano Beach, CA 92624
Office Phone: (949) 226-2189
Fax: (949) 218-0157
email: ezra@ocshortsalearena.com website: www.ezrasturgis.com
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