Hang On While I Explain…

Read this and you will learn how to sell your home, avoid foreclosure and erase your debt forever using a home selling strategy called a realestate short sale.

Dear Friend,

There is a little known home selling secret called a real estate short sale and I am going to tell you about it, and how you can use it to avoid foreclosure.

And make no mistake about it… you must stop foreclosure right now.

If you’re in a situation where you can’t afford to send the bank money, for ANY reason, and may be facing foreclosure, then a real estate short sale is most likely the perfect solution for you…

Hello, my name is Guy Morgan.

Please listen to this short message from my first real estate short sale client back on August 17, 1991.

You Can Listen To An Actual Real Estate Short Sale Client From August 1991…Just Click The Play Button

Ok. That was recorded about 17 years ago by a happy satisfied client.

Today you can learn quickly and easily if you qualify for a short sale by listening to this 24 hour Toll Free message at 1-877-761-8800.

Since beginning my real estate career in 1987 I’ve helped thousands of families sell their homes quickly, and with the least amount of hassle, using powerful home selling strategies including real estate short sales.

In fact, the whole idea of a real estate short sale seemingly was developed right here in southern California by myself and a talented group of real estate professionals I’ve been masterminding with for years.

As a result, I’ve learned a lot about real estate agents, buyers, banks, mortgage brokers, home sales, and short sales that I want to share with you.

Some of the things you’ll learn will shock and amaze you!

And I promise…everything you’ll learn will help you with your particular situation…if you follow my advice and hire the right people.

So here we go…

There’s A Bloodletting Happening In Real Estate Right Now…It’s Going To Crush The Housing Market For Years.

Foreclosures are already at historic levels, the worse of the mortgage delinquencies have not even begun and, the federal government is making things worse.

Ask yourself; what has the feds done to help you with your situation…right now?

The loan modification schemes are not working.

Why?

Because you owe WAY more on your home than it’s worth and prices continue to plummet.

Who wants to have a loan payment modified on a home that is worth only 70% or less than they owe on it.

Better to sell now, erase your debt, and get out from under the mortgage debt that will keep you stuck for years.

If you sell your home now using a short sale you can buy a new and better home at a much lower price in a year or two.

Take a close look at the following charts…

Now consider this…

The last time the market collapsed in southern California there were an equal number of home sales to NOD (Notice of Default) filings.

So for each homeowner who defaulted on their loan there was another person willing to buy the home or property.

Not this time…

Right Now In Many Southern California Communities There Are 3 Foreclosure Filings For Each Home Sale!

And the next several years are going to be much, much worse.

Here’s why.

Most lenders are not even filing the Notice Of Default (NOD) when they should because they can’t handle the large volume of foreclosures they are already getting.

And…just about every real estate agent and mortgage broker, still in the business, are claiming to be short sale specialists. When in fact, most have never even done one successfully!

This current situation is gutting the housing market across the nation and, southern California is among the worse.

So what can you do?

Well you can sit and wait for the market to recover…if you can afford to…have lots of time and money.

But if you are heading towards foreclosure because you can no longer afford your payments for any reason, hire a team of EXPERIENCED short sale professionals to stop your foreclosure.

A real estate short sale really does allow you to sell your home for todays fair market value, even if it is less than you owe the bank.

But only if you qualify and it’s done exactly right by folks who really understand the process.

To Discover Quickly & Easily If You Qualify For A Real Estate Short Sale Just Call Toll Free 1-877-761-8800 And Listen To The FREE 24 Hour Recorded Message

Listening to this message you’ll discover:

• Why your lender will help you sell your home for FREE, even if you owe more than its worth
• How to save your credit and erase your debt
• Why banks don’t want to foreclose on your home
• Why banks will foreclose on your home
• How to sell your home in a tough market
• Why most real estate agents simply can’t help you
• Why you should never use a mortgage broker to do a real estate short sale

You’ll also learn the dangers of the IRS form 1099-c and what to do about it.

Be very careful, there’s a lot of talk about recent laws passed in Congress on the IRS form 1099-c and how it might impact your income taxes.

And most of it’s wrong.

You’ll also learn the difference between a purchase money loan and all of the other types of loans. Knowing this one thing can…

Stop Foreclosure, Right Now.

Please… understand this… if you’re having difficulty making your mortgage payments, you must know the difference between a recourse and a non-recourse loan.

You may be shocked to discover what a devastating effect a recourse loan can have on you for the next 20 years if the bank forecloses on your home.

CAUTION: Most likely you have a full recourse loan right now, and don’t know it. If you do…

You Must Not Let Your Bank Foreclose On Your Home Or Property…Period.

Even if you get lucky and your agent closes your real estate short sale successfully you’re in for an ongoing nightmare if they don’t know the re-course laws in California and how the banks use them to their advantage.

You’ll get screwed by the bank, and you and your agent won’t even know it’s happening to you until it’s too late.

And there is NOTHING you can do about it.

Except perhaps file for bankruptcy.

And here’s something else you probably didn’t know…

Most Real Estate Agents Don’t Really Know How To Do A Real Estate Short Sale…Won’t Admit It, Or Even Worse…Don’t Know They Don’t Know!

The truth is most real estate agents don’t sell very many homes and are only in real estate part-time.

According to the most recent statistics I’ve seen from the National Association of Realtors the average agent sells 2.74 homes per year.

Would you hire a part-time doctor to do surgery on your family?

Of course not, but that is exactly what most home sellers do when selling their most valuable asset…their home.

For something as complex as a real estate short sale you need a specialist.

Here’s why:

There are 9 critical steps in a real estate short sale and all of them must be done absolutely right or you will lose your home to foreclosure.

You can easily learn all about the 9 critical steps in a short sale by simply listening to the free 24 hour recorded message at 1-877-761-8800.

For now though, here’s a brief explanation of the 3 major parts of a short sale including exactly what to do, how to do it, and of course…what to avoid.

The first phase is listing and marketing the property.

About 70% of sellers don’t make it past this first phase successfully because very few real estate agents really know how to sell homes in a tough market.

Expired listing rates in San Diego have soared since the market collapsed.

Unfortunately, when you realize your agent isn’t getting the job done…it’s too late.

The bank has already started the foreclosure process and the typical agent doesn’t know how to stop it.

Most real estate agents will lose your home to foreclosure during this time, even so-called top agents.

Did you know most homeowners who are losing their homes to foreclosure actually have them listed with real estate agents claiming to be able to do short sales but have never actually done one?

And now these agents are even attempting to do loan modifications with no real experience at these either.

It’s a huge mess and almost all of these agents have one thing in common…less than 10 years full-time real estate experience, and therefore no experience.

The second important phase is negotiating the sale and managing escrow.

It’s critical here to negotiate an offer with the buyer your lender will approve.

Sadly, more than 90% or more of real estate agents lack this single most important skill; creating an offer your lender will accept and approve.

When an agent who is an amateur at short sales brings your bank a poorly written offer the bank will reject it.

That’s bad, but here’s something worse…

It usually takes months for the bank to do this. And of course, by then it’s simply too late to do something about it.

By then you’ve most likely lost your buyer and the bank has filed the NOD and started foreclosure on your home.

This happens all the time because, again, most of the agents in the business today don’t know how to list and market homes properly, document their efforts, prepare thorough BPO’s (broker price opinions) and negotiate tight strong contracts.

And the lenders know it and hate it.

But a true expert at short sales, a pro, knows how to do all of these critical tasks perfectly and ultimately get an approval on your short sale.

And the banks love it.

OK. So by now, you’ve probably realized it’s just plain dangerous to hire a new agent (less than 10 years full-time and hundreds of deals) to do a real estate short sale.

Well, it’s also dangerous, as I mentioned a moment ago, to hire the so-called “top agent”.

Why?

The top selling agents are almost always the top expired listing agents.



While it may be true many of these agents have sold lots of homes, it’s also worthy to note it was mostly during the good times when selling a home was very, very easy.

Fact is, most “top agents” have more expired listings (homes that failed to sell) each month than homes sold.

It’s all about self promotion and volume.

Get lot’s of listings, fill the pipeline, and get paid on the ones that actually close.

The truth is selling homes is a lot more difficult in a market like the one we’re in now.

You need a professional who will give your home and family the attention they deserve.

So be careful who you hire for a short sale, they may not be as successful at doing real estate short sales as you might think.

NOTE: The local news channels love to put these agents on the morning shows because they are “experts” and are very good at interviewing. What the news shows don’t know is that these agents actually almost always have very high failure rates because of how they run their real estate businesses. That’s another topic though.

You really need a real estate professional who has lots of actual real estate experience.

• Not mortgage lending experience
• Not experience showing homes to buyers
• Not experience selling homes in builders sales offices
• Not your best friend or relative (who wants to do you a favor)
• Not an agent with less than 10 years full-time experience
• Not an agent selling less than 35 homes per year
• Nor more than 70 homes a year

No, what you need today is a real estate professional who has personally sold hundreds or even thousands of homes in good times and bad times.

Trust me, there are not many real estate professionals with that kind of experience around.

The third and final stage involves the actual lender negotiations.

You’ll need a trained negotiator with a strong background in banking and loan underwriting, not mortgage lending.

The skills required to negotiate with a lender are completely different from the skills required to sell your home.

Therefore, even real estate professionals who are able to sell your home don’t usually know how to communicate with banks and show them the advantages of doing a short sale. Even if they do, they simply don’t have the time to do it right.

The person handling the lender negotiations, in this critical and final phase, must be at a desk, near a phone, with your file nearby…all the time.

To Discover More Little Known Secrets On How To Quickly & Easily Sell Your Home Using A Real Estate Short Sale Just Call Toll Free 1-877-761-8800

WARNING

Do not use real estate agents or mortgage brokers to do the lender negotiations on a real estate short sale.

So now you know…

…most real estate agents claiming to be a short sale expert have never actually done one, or at least very many.

As an example I just visited a web site for a real estate agent claiming to be a short sale expert.

His site is fancy with video, lots of short sale listings being showcased for buyers, and he even says all of the right things to convince a home owner he knows what he is doing.

So being the curious investigative type I am. I hopped on the MLS for his area and checked his stats.

And guess what?

This so-called short sale expert only has 4 short sale listings of his own. And all four of his listings are still for sale, not in escrow.

I’m willing to bet those four listings are past clients he buried in their homes right before the market fell.

Plus, all of the listings shown on his web site are actually listings from other agents in his office, not his.

So…this self proclaimed short sale expert has never even actually closed a short sale!

This is a very dangerous situation for homeowners facing foreclosure.

Another dangerous situation is all of the mortgage brokers now attempting to do real estate short sales.

The biggest problem with mortgage brokers is, they are lenders…not real estate pros…and most of them are the same predators who buried you in the loan that’s strangling you now.

If you want to avoid foreclosure you need a real estate professional and a loss mitigation expert who knows how to get to the top decision maker at your bank.

And when they do, how to speak the lenders language and show them the advantages of doing a short sale versus foreclosing on your home.

When your short sale specialist gets to the top decision maker at your bank that phone call has to be done absolutely perfect the first time…there are no second chances with the loss mitigation managers at the major banks.

They simply do not have time for amateurs.

At Short Sale Experts, Inc. we understand bankers and banking at a deep intuitive level, have great relationships with the asset managers, and know exactly what to say to each lender on each type of loan.

And not only that, we have a Rolodex filled with the names and contact information of the senior managers that would be the envy of every politician.

And since we have the direct contact numbers for senior loss mitigation managers at most major banks and know exactly what to say to them, we can get your file approved much more quickly.

And that’s exactly what you need from a real estate short sale specialist.

Experience selling homes in a tough market. Experience talking to loss mitigation departments at banks. And the time and organization to do it consistently and right.

You Can Buy Yourself A New Home In The Next 18-24 Months Using A Real Estate Short Sale

Best of all, a real estate short sale actually saves your credit.

Done properly there’s no foreclosure on your credit report and all of the damage that comes with it.

Now you can buy a new home at a much lower price.

And many of our clients do…for about half of what they paid for the home we just got them out of!

With our help you can:

• Sell For Less Than You Owe The Bank
• Your Lender Pays All The Closing Costs
• You Pay Nothing
• You Owe Nothing
• You Save Your Credit
• Erase Your Debt
• Get A New Start

By now you may be wondering who I am, why you should listen to me and perhaps even why I would give away so much valuable information for free? Well for me its simple…

My philosophy has always been to provide my clients with as much information as possible, offer my best advice, back it up with the facts, and let them make their own decisions.

I believe a homeowner armed with the tools to make an informed decision, will make the decision that’s best for them.

And, as you can easily guess, very often I’m asked to help.

You can have me and my team of professionals helping you avoid foreclosure in less than 24 hours by calling Toll Free 1-877-761-8800.

My team will start to work immediately, at no cost to you, helping you avoid foreclosure and start over.

If your not sure a real estate short sale is right for you and you and have more questions, just let one of my team members know you would like an over-the-phone consultation.

It’s free and usually takes less than 10 minutes. Talking to a short sale consultant will help you decide if a short sale is right for you.

When you call I promise to tell you the good, the bad, and the ugly about your situation.

You’ll learn everything you need to know to make an informed decision.

It’s as simple as picking up the phone and calling now.

Ok, Let’s Wrap This Up…

If you call Short Sale Experts, Inc. right now, you can:

Avoid Foreclosure

A real estate short sale let’s you avoid the embarrassment of having the bank drop a foreclosure sign in your front yard, for all your neighbors to see, within days of you moving out.

The Bank Will Pay All Of Your Closing Costs

This includes delinquent taxes, the real estate commissions, escrow and title fees…everything, and more.

You Pay Nothing

You won’t have to pay anything out of your pocket, and in fact, during the short sale process you can remain in your home for FREE until it closes.

Often you can even remain in your home after we complete your real estate short sale, and for a lot less money!

Imagine being able to live in your same home for half the cost!

You Save Your Credit

With a real estate short sale you don’t have a foreclosure on your credit. A foreclosure will destroy your credit for seven to ten years.

And, believe it or not, for many homeowners, a short sale is even credit positive!

And Finally…You Have Erased Your Debt Forever

You will never owe that money again. You can start fresh.

Pick up the phone, call us now at 1-877-761-8800 and schedule your free over-the-phone consultation.

There is no cost or obligation and I can help you avoid foreclosure.

Very Sincerely,



R. Guy Morgan

President

Short Sale Experts, Inc.

San Diego’s Leading Short Sale Experts Since 1991

P.S. If you are behind on your mortgage loan payments and want to avoid foreclosure call me now. Especially if you are more than 60 days late.

P.P.S. I’ve been a full-time real estate professional for more than 20 years. I have personally helped more than 2000 families quickly and easily sell their homes for top dollar, even in difficult markets. I know real estate from the trenches to the tree tops and can help you. But only if you call.

Read What Our Clients Have To Say:

You stepped in when we needed you most

“In one week you managed to exceed every single expectation, however wild, of what excellent, dedicated service was. You stepped in when we needed you most, and you delivered. You have no idea how much we value what you did. When I thanked you after the fact, you reminded me that you promised us the fewest hassles during the selling process at our first meeting. I must admit that I under estimated your point at the time.”

Mr. & Mrs. V. E.—San Diego CA



“…always gives honest, candid advice and supports it with facts. We certainly appreciated their professionalism and skills, especially during the negotiating process.”

T & N—San Diego CA



We were able to make a positive change

“Because of the advice you gave to our family, we were able to make a positive change which no one else thought possible. We needed a professional to guide and counsel our family through a challenging move. You have truly been our representative and counselor throughout this process.”

M & D—Vista CA



We are so lucky we chose Short Sale Experts…

“It seemed like we had you all to ourselves! I guess that is how great teams work together. We got exactly what was promised to us.”

D & L—San Diego



I Highly Recommend You Call

“…was very aware of the situation we were in—it seems it’s a common story: the lure of big promises by new or inexperienced, or just poor agents.

Knowing you have been thoroughly armed with the facts and offered his best advice is all that matters to Guy.

His team listed, sold and closed our house before the end of the month for $20,000 MORE than we were in escrow at before and we avoided foreclosure!”

L & B—Carlsbad CA



“…knows not only how to level the playing field, but how to tilt it to your advantage. If you are thinking of doing anything related to real estate you have to call this guy.”

J F—National Seminar Trainer



To Find Out More Little Known Secrets On How To Sell Your Home Using A Real Estate Short Sale Just Call 1-877-761-8800



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