Prevent Foreclosure in San Jose, CA
If You’re Upside Down On Your Santa Clara County Home Or Investment Property And Can No Longer Afford The Payments I’ll Help You Save It Or Avoid Foreclosure Through FREE Gov’t Refinance, Loan Modification And Short Sale Programs.
I have a CASH buyer for your home today! You may qualify for thousands of dollars in relocation assistance that I can help you obtain.
Whether you seek to save your home or investment through a HAMP loan modification or HARP 2.0 Gov’t refinance opportunity or just move on to what’s next and short sell your property to postpone the trustee sale, collect some additional cash and avoid a foreclosure in the process , you’ll find information here that will help you immensely.
This easy-to-understand, step-by-step instruction guide describes how banks operate in the negotiation process and also includes the tools and forms required to short sell your home or investment property.
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I’ll send you the book and simply ask that you pass it on to others who might appreciate it if you love it like I hope and think you might.
What’s A Short Sale?
A short sale occurs when the lender agrees to take less than the full amount required to pay off existing loans in full because the outstanding loan balance is greater than the proceeds realized from the sale of the property.
This sounds simple enough and is the definition most agents will give you. The problem is in the details. The terms of the approval are almost always dictated by the lender. Most sellers and many agents assume any approval is a “good approval”, which is often not the case.
If you’re considering a real estate short sale there are things you need to know before speaking to your lender. Consulting with an M.A.R.S. compliant, licensed professional versed in short sales and the foreclosure process is a must.
Why Would My Lender Accept Less Than Is Owed?
Knowing why and how much your lender does not want to foreclose on your home is crucial to the negotiating process. It’s oftentimes much more expensive for the lender to modify your loan than it is to simply foreclose on you and sell it, or accept a short offer and pay all the associated sales costs.
Of course, your lender would prefer that you stay in your home and continue making payments but selling it and getting the “bad asset” off their books is frequently their next favorite choice. Many lenders will negotiate short sale terms quite favorable to you, oftentimes allowing you to walk away for free and with zero delinquency judgments.
A successful no cost short sale with zero deficiency judgments looming in your future can be possible if you work with an expert team to get it done.
Has Your Home’s Market Value Dropped?
Whether you’re doing a loan modification or short sale, hard comparable sales will be used to substantiate that your property is worth less than the unpaid balance owed the lender. I provide a comprehensive property value report designed to determine your properties 30, 60 and 90-day sales price value – the same info your lender will want.
Is Your Mortgage Currently In Default or Are You Concerned That It Soon Will Be?
It used to be that lenders would not even consider a loan modification or short sale if your payments were current, but not anymore. Realizing that other factors contribute to a potential default, many lenders are eager to head off future problems at the pass.
Many lenders no longer require that you be late on your payments however you must be able to convince them with your hardship letter and financial records that you’re concerned about your ability to continue making payments.
Here Are The Additional Market Updates
Enjoy the latest & most up-to-date information on the market and how it can affect your real estate decisions!
4 Reasons You Should Sell Your San Jose Home
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Why Work With Me?
I know the San Jose, California - Santa Clara County real estate market like the back of my hand!
While I serve San Jose, California, I also serve surrounding areas.
It's this insight and experience that can often be the difference between you getting top dollar or leaving money on the table for your home, overpaying or getting a great deal, finding the right property for you or missing out on it, and selling or buying a property fully informed or missing critical things during inspection periods that can ultimately cost you down the road.
Mariela Velazquez is a full-service Realtor®, aligned with a full-service brokerage and professional team of business partners, handling everything for you, from pre-market preparation & staging, to both cutting-edge, digital marketing and traditional advertising, to contracts and paperwork, to disclosures, keeping you protected, to negotiating in YOUR best interest, to navigating you through the entire escrow process and so much more.
My passion is PEOPLE -- helping people by sharing and educating based on our knowledge. I love to educate and guide homeowners and will ALWAYS put PEOPLE BEFORE THINGS.
If you want to chat Real Estate or even just connect for a coffee, reach out to me anytime, and I cannot wait to meet you!
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WHAT PEOPLE ARE SAYING
Listen to what my past clients are saying!
"She is honest, trustworthy and caring"
Working with Mariela was a very pleasant experience. She was very professional and explained everything in a way that was easy to understand. She is honest, trustworthy and caring. It was a delight working with Mariela.
- Jessica Cortes
"She is really professional"
I have had the pleasure of working with Mariela in the past. She is really professional. She’s responsive to all of your questions, very patient and makes sure you understand the process! I never felt rushed by her and instead she took her time to answer all of my million and one questions. I definitely recommend working with her. Thank you for all your help Mariela
- Emanuel Hernandez
"Highly recommended!"
Mariela has always been an excellent person to work with. Her professionalism and care for clients goes above and beyond. She is responsive in every area and will take the time to explain processes to ensure her clients have a full understanding. She truly cares about her work and her clients, highly recommended!
- Karina V
Mariela Velazquez®
DRE#01715223
PO BOX 53064
San Jose, CA 95153
Phone: (408) 849-9297
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