Looking For A Great NH Short Sale Property? Here Is A Link To Nashua NH Short Sale Listings!

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Nashua, NH, as of 12/06/2012

http://www.nnerenmls.com/nne/maildoc/sd_oIzmOK20111206092222.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
Mobile: (603) 387-1674
avonbryce@gmail.com

In closing…

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com

Alexandra von Bryce, REALTOR®
CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

 

Not Even Halfway Through The Foreclosure Crisis!

The National Association of Realtors Publication, REALTOR®Mag”, reported in their DAILY REAL ESTATE NEWS | THURSDAY, DECEMBER 01, 2011

“The nation is not even halfway through the foreclosure crisis,” suggests a new report from the Center for Responsible Lending, “Lost Ground, 2011.” In the report, the Center for Responsible Lending analyzed 27 million mortgages issued over a five-year timespan.

Researchers found that at least 2.7 million mortgages issued from 2004 through 2008, or 6.4 percent, have ended in foreclosure as of February 2011. Also during that time period, researchers found that 3.6 million households — or an additional 8.3 percent — are still at immediate or serious risk of losing their homes, according to the study.

The report also included a breakdown of how the foreclosure crisis has affected different races and ethnicities. As a group, whites were found to have lost more homes than any other due to foreclosure. However, neighborhoods with high concentrations of minorities as well as low- and moderate-income neighborhoods, in general, were found to been hard hit in the foreclosure crisis, too.

Researchers found that in areas of the country that faced moderate housing price appreciation during the boom, foreclosure rates were highest for low-income borrowers, which was most evident in places like Detroit, Cleveland, and St. Louis. On the other hand, in areas with strong housing appreciation before the foreclosure crisis, such as in areas like California, Nevada, and Arizona, researchers found that more middle and higher-income borrowers faced foreclosure.

To view rates of foreclosure and serious delinquencies by your metro area, download the report.

Unfortunately, too many homeowners who have been unsuccessful in their attempts to refinance are now facing foreclosure. Often they proceed without the assistance or advice of real estate professionals. Now more than ever, you need to find an advocate for you and your family’s interests, one who is prepared to handle your specific needs.

Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don’t risk your financial future and the potential sale of your home with an agent who does not have all the solutions.

CDPEs fully understand that saving a home can save a life, which can save a family, which can save a future.

As a CDPE I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com

Alexandra von Bryce, REALTOR®
CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Source: Realtor.org

 

Looking For A Great NH Short Sale Property? Here Is A Link To Manchester NH Short Sale Listings!

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Manchester, NH…

http://www.nnerenmls.com/nne/maildoc/sd_gDgi4w20111202105119.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
Mobile: (603) 387-1674
avonbryce@gmail.com

In closing…

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com

Alexandra von Bryce, REALTOR®
CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

 

Fannie Mae Halts Foreclosures For The Holidays

According to the National Association of Realtors

DAILY REAL ESTATE NEWS | THURSDAY, DECEMBER 01, 2011

Fannie Mae says it will suspend evictions for single-family foreclosures and two- to four-unit properties during the holiday season, from Dec. 19 through Jan. 2, 2012.

“The holidays are meant for families to spend time together, especially if they’ve gone through the stress of financial challenges and foreclosure,” Terry Edwards, executive vice president of Credit Portfolio Management for Fannie Mae, said in a statement. “No family should have to give up their home during this holiday season.”

While the holiday moratorium is in place, legal and administrative proceedings for evictions may continue, but “families living in foreclosed properties will be permitted to remain in the home,” Fannie Mae announced in a statement.

In the interim, the current U.S. housing market and financial crisis continues to cause tremendous stress and heartache for families across America. If you or someone you know is among the millions today affected by the prospect of foreclosure, understand that you are not alone.

Unfortunately, too many homeowners who have been unsuccessful in their attempts to refinance are now facing foreclosure. Often they proceed without the assistance or advice of real estate professionals. Now more than ever, you need to find an advocate for you and your family’s interests, one who is prepared to handle your specific needs.

Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don’t risk your financial future and the potential sale of your home with an agent who does not have all the solutions.

CDPEs fully understand that saving a home can save a life, which can save a family, which can save a future.

As a CDPE I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com

Alexandra von Bryce, REALTOR®
CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Source: Realtor.org

 

Looking For A Great NH Short Sale Property? Here Is A Link To Hudson NH Short Sale Listings!

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Hudson, NH…

http://www.nnerenmls.com/nne/maildoc/sd_nTcybf20111101081043.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
Mobile: (603) 387-1674
avonbryce@gmail.com

In closing…

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com   

Alexandra von Bryce, REALTOR®
 CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

 

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Looking For A Great NH Short Sale Property? Here Is A Link To Manchester NH Short Sale Listings!

 

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Manchester, NH…

http://www.nnerenmls.com/nne/maildoc/sd_NuAqKK20111101081118.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
Mobile: (603) 387-1674
avonbryce@gmail.com

In closing…

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com   

Alexandra von Bryce, REALTOR®
 CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

 

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Looking For A Great NH Short Sale Property? Here Is A Link To Manchester NH Short Sale Listings!

 

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Manchester, NH…

Click on the link below to view the Manchester, NH Short Sale Listings:

http://www.nnerenmls.com/nne/maildoc/sd_bNIAZV20111006094959.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
Mobile: (603) 387-1674
avonbryce@gmail.com

In closing…

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com   

Alexandra von Bryce, REALTOR®
 CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

 

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

HARP Roadblocks Continue | Why So Few NH Homeowners Have Been Helped With Refi's | More Turn To Short Sales

 

//

Ever since President Obama said he will work with federal housing agencies to help more people refinance at today’s low mortgage rates, there has been much speculation about what form this additional assistance would take. Most of the speculation has focused on possible changes to the Home Affordable Refinance Program (HARP). Announced in March 2009, HARP was designed to help 5 million underwater homeowners refinance into a fixed loan with a lower monthly payment. However, in the two and a half years since its inception, only 838,000 homeowners have been able to refinance. This is fewer than expected because certain features of the program reduce the number of people who can actually benefit from it. If any changes are made to the program, these are the features likely to be amended:

Loan-level pricing adjustments (LLPAs)

LLPAs are lender-implemented fees that can increase the cost of refinancing based off of a borrower’s presumed risk of default. These fees come in the form of higher discount points paid up front or a higher rate paid over the life of the loan and can be so expensive, the homeowner decides it’s not worthwhile to refinance. Lenders use LLPAs all the time (not just for HARP) but critics suggest the fees being used for HARP are too high.

Some borrowers have borrowed against their home more than once. The most common scenario is when a borrower takes out a standard first mortgage (also called a first lien) and later takes out a second mortgage or home equity line of credit. If a borrower with two liens goes into foreclosure and the property is sold via foreclosure, the owner of the original mortgage gets paid first, and if there is money remaining, the second mortgage holder gets paid.

Even though the second lien holder is second in line to get paid, they can still block a refinance of the first lien from happening by refusing to keep their “second place” in the payment line.  In the current HARP program, owners of the second liens are not obligated to agree to a refinance of the first lien  and some are refusing to do so, essentially blocking the refi from happening.

Mortgage insurance (MI)

Lenders require borrowers to take out mortgage insurance on loans originated with a loan-to-value ratio (LTV) of over 80%.  If you’re trying to do a HARP refinance and you already have MI on your current loan, you still need to obtain new mortgage insurance, often at a higher cost than what you already pay.  This means the borrower saves less money each month from the refinance.  Worst still, even if the borrower wanted to do the HARP refinance with the higher MI cost, some mortgage insurers won’t insure the new loan.

Maximum loan-to-value ratio (LTV)

Although HARP permits underwater homeowners to refinance if their LTV (the ratio of how much you owe on your loan to how much your home is worth) is up to 125%, home values in many areas have fallen so far that even the 125% ceiling is not high enough for many consumers to qualify. Many people are starting the application process for a HARP refinance only to find out that they owe more than 125% of the current value of their home so they cannot qualify for the HARP refinance.

Whether the Federal Housing Finance Agency (FHFA) will remove any of these so-called roadblocks is still an open question, but it’s something to watch closely.

In the interim, the current U.S. housing market and financial crisis continues to cause tremendous stress and heartache for families across America. If you or someone you know is among the millions today affected by the prospect of foreclosure, understand that you are not alone.

Unfortunately, too many homeowners who have been unsuccessful in their attempts to refinance are now facing foreclosure. Often they proceed without the assistance or advice of real estate professionals. Now more than ever, you need to find an advocate for you and your family’s interests, one who is prepared to handle your specific needs.

Real estate professionals with the Certified Distressed Property Expert (CDPE) Designation have trained extensively to understand the options, solutions, and effective methods for dealing with homeowners facing hardships. Don’t risk your financial future and the potential sale of your home with an agent who does not have all the solutions.

CDPEs fully understand that saving a home can save a life, which can save a family, which can save a future.

As a CDPE I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com   

Alexandra von Bryce, REALTOR®
 CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

 

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Source: Real Estate Insider News

Looking For A Great NH Short Sale Property? Here Is A Link To Nashua NH Short Sale Listings!

 

Looking for a Great NH Short Sale?  Here is a link to Short Sales in Nashua, NH…

Click on the link below to view the Nashua NH Short Sale Listings:

http://www.nnerenmls.com/nne/maildoc/sd_KbHsdt20111004090734.html

This information was provided by Alexandra von Bryce

For NH Short Sale Properties in other New Hampshire Towns or to set up a showing on any of these NH Short Sale Properties feel free to contact me:

Alexandra VonBryce, CDPE
RE/MAX Properties/Nashua
169 D. W. Highway
Nashua, NH 03060
Mobile: (603) 387-1674
Phone: (603) 589-8800 x2224
Fax: (603) 768-4253

avonbryce@gmail.com

Nationwide Pending U.S. Home Sales Decline 1.2%. Especially Hard-Hit Was The Northeast Where Pending Home Sales Fell 5.8 Percent

 According to Timothy Holman of Bloomberg : Pending U.S. Home Sales Decline 1.2% as Lower Prices Fail to Stoke Demand

“The number of contracts to purchase previously owned U.S. homes fell in August, a sign that lower prices and borrowing costs are doing little to stoke demand.

The 1.2 percent decrease in the index of pending home sales followed a 1.3 percent drop the previous month, the National Association of Realtors said today in Washington. Economists forecast a 2 percent drop, according to the median of 43 estimates in a Bloomberg News survey.”

This fact was initilaly reported by the National Association of Realtors:  Pending Home Sales Dip in August | Daily Real Estate News | Thursday, September 29, 2011

“Pending home sales slipped in August with a mixed regional performance but are higher than a year ago, according to the National Association of REALTORS®.

The Pending Home Sales Index, a forward-looking indicator based on contract signings, declined 1.2 percent to 88.6 in July from 89.7 in July but is 7.7 percent above August 2010 when it stood at 82.3. The data reflects contracts but not closings.

Lawrence Yun, NAR chief economist, said the decline reflects an uneven market. “The biggest monthly decline was in the Northeast, which was significantly disrupted by Hurricane Irene in the closing weekend of August,” he said. “But broadly speaking, contract signing activity has been holding in a narrow range for many months.”

This again reiterates that the Housing Recovery (or lack thereof) is becoming increasingly regionalized. “The Pending Home Sales Index  in the Northeast fell 5.8 percent to 63.6 in August but is 1.3 percent higher than August 2010. In the Midwest, the index declined 3.7 percent to 76.2 in August but is 8.2 percent above a year ago. Pending home sales in the South rose 2.6 percent to an index of 96.9 and are 7.6 percent higher than August 2010. In the West, the index dropped 2.4 percent to 108.1 in August but is 10.5 percent above a year ago.”  This is causing more and more homeowners who are having a difficult time making their mortgage payments to consider a Short Sale. 

The US housing crisis has claimed millions of victims. Unfortunately, many New Hampshire homeowners are facing the prospects of losing their homes to the bank because either they think that there is no time for a short sale or a short sale will have the same financial effect as a foreclosure or they don’t know their options.

The good news is that homeowners don’t have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

For a Free Report: Understand your options and learn what you can do next.

Or…I urge you to take a moment and call me…

Alexandra von Bryce— Direct: 603-387-1674

For more information on Short Sales visit my website at:   NHShortSale911.com   

Alexandra von Bryce, REALTOR®
 CDPE (Certified Distressed Property Expert) CDPE Advanced Member, Certified Short Sale Specialist, Certified Distressed Luxury Property Specialist

 

Direct: 603-387-1674

RE/MAX Properties
169 Daniel Webster Hwy.
Nashua, NH 03060
Direct: (603) 387-1674
Office: (603) 589-8800
Fax: (603) 768-4253

avonbryce@gmail.com

Sources: Bloomberg, NAR