Our Weekly Newsletter for 03/23/2012
March 23, 2012 by admin · Leave a Comment
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I Surprised My Client With A $23,000 Check Doing Her Short Sale!
March 18, 2012 by admin · 2 Comments
Surprising my client with a
$23,000 CHECK!
My client’s daughter found us on the Internet
Nothing wrong with that, most of our clients find us first on the Internet because of our vast educational presence.
“Fernando, most Realtors do not take $60,000 Short Sale Listings!”
That’s what she was afraid of when I first met her.
I had an instant connection with my client and I re-assure her. .as long as she is willing to help us help her. . I promised her that I would help her!
She was ready. .and we took the case in.
The usual short sale process goes like this:
- Obtaining all supporting documents from the seller
- Submitting a short sale request to the corresponding lender (s)
- Applying for the HAFA PROGRAM and ANY other programs that our client qualifies for
- Putting the property on the market
- Obtaining an offer
- Getting an approval
- Closing the deal
In this was, it was Chase short sale. . in my opinion the most sensitive bank approving short sales for homeowners today.
Our client knew about her acceptance to the HAFA SHORT SALE PROGRAM
Where it assured her that there will be no deficiency judgment against her. .and a $3,000 Relocation assistance.
Unbeknownst to her, we found out earlier that she qualified to receive an additional $20,000 on top of the $3,000 for the HAFA Program,
Of course, I was a little reluctant to tell her this news. . It would not the last time that a bank made a mistake and I have a deflated client at closing. . .
I chose not to tell her until I was 100% sure she was getting the money
After all, the bank was approving the selling of this short sale property for only $60,000!!
They were only netting two thirds of the proceeds!
Closing Day: 03/16/2012
The final HUD-1 gets approved and we are clear to close. .
It’s time to tell my dear client the good news. .
Watch it . . .
One of the most satisfying closings I’ve ever had. . And it is also one of the smallest pay-offs for my company…
go figure..
Sell Your House Fast
How to sell your home fast!
When the time comes where you are pressed for time and you need to sell your home fast.
As a broker, from time to time we get calls where people want to sell their house yesterday.
Of course the traditional methods we use when selling a home does not apply to them
They want an offer an. . is all they want.
Many times we find that properties that need major repairs and are prime for a homeowner who wants to sell their house fast. .because they don’t have the money for all the repairs and preparation to sell the house via traditional venues.
If an offer is all you need. We work with several investors that would be willing to give you an offer and give you the opportunity of making a quick house sale.
All we need is for you to provide details about your property, including the address, how much you want to sell it for?, general condition of the property and when?
If you want to sell your house fast, then you have to realize that will be selling it to 
investors and not to regular buyers.
Investors have position because they have the cash available and if cash is what you need, they will be happy in giving you an offer.
Retail you will not get. .
Investors are investors because they want to make money and they have more time than you.
Our selling process is lengthy and it in some cases it required months to go from beginning to end. We expect a reasonable effort to repair the house, stage it and allow us to market the property in order to get the highest marketable price of your property. Selling FAST and for the MOST money cannot be expected.
Just in case you have an unexpected situation and you are contemplating to sell your house FAST. Perhaps we can connect you with one of more investors that would make your decision easier. We screen the people we associate with and you can expect a fair price offer from any of them.
You can call us at 240-426-5754
The biggest misconception out there is that investors are like jackals waiting to take advantage of unsuspecting homeowners.
I can tell you that the investors in the USA, the UK, Greece, Mexico and other parts of the world. .they play a major role in the health of their local real estate markets.
Investor sales are a major percentage of sales nowadays in the US and they are the ones that risk their money to help the local real estate market on its way to full recuperation.
If you would like to be added to a list of investors that have the financial capabilities to make cash offer, please contact me at 240-426-5754 for an interview.
We are building a good network of investors in Maryland DC and Virginia and we love to include you!
I encourage calling us if you would like to get into our private network of investors
We Get Sellers Leads ALL OVER THE MD, DC and VA Region
Another Great Service from:
(Intelligent Real Estate)
FREE LIST OF FORECLOSURES And PRE-FORECLOSURES in MONTGOMERY COUNTY MARYLAND WITH 100′s of PHOTOS
Buying A Home In Maryland
February 28, 2012 by admin · Leave a Comment
Here we are: 2012
The State of Maryland is currently experiencing a population boom thanks to its economic climate being situated next to the most powerful city in the world: Washington DC.
The business friendly environment and family favorable atmosphere makes it a desirable location to raise your family and be assured that your retirement money will not dissolve in the next hosing crisis.
Most of the dramatic growth that is happening is made evident in just our county alone. Montgomery County’s surging population base which has pushed to record numbers show the diversity of this place we call home.
If you are a current Maryland resident or you are considering searching for a home in the Montgomery, Frederick, PG Counties you can conduct a home search right from the comfort of your personal computer.
When contacting us to assist you in the search for your home, we make certain that you are fully qualified so you can gain the respect you deserve when considering different homes for sale.
The Maryland real estate market is growing, but you cannot assume that every professional is the best one for you. . please take your time and see one of our agents below.
They are ready to help you and ready to show you any property in the market
For Carlos Herboso CLICK HERE
For Stephanie Reilly CLICK HERE
Yangs’s HVAC for Air Conditioner or Heating System Replacement of Maryland
February 24, 2012 by admin · Leave a Comment
For Maryland Residents Same Day Repair Service Call Now!!!
FREE ESTIMATES for Air Conditioner or Heating System Replacement.
Gibson Heating & Air Conditioners
Professional Service Rock-Bottom Pricing
24-Hour Emergency Service
Fully Warrantied Repairs — Impeccable Reputation
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Yang’s HVAC & Air Conditioning Repair of Maryland
operates with integrity.
Whenever your Air Conditioning equipment breaks down, you deserve the peace of mind that comes with the professional and highly reputable service of
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With many years of experience, we are factory trained technicians with fully stocked parts department and total commitment to integrity make the process of dealing with AC problems stress free.
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It’s easy to see why Gibson carries a standard ten-year parts warranty. . year-round!
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Customer Testimonials
“I had never changed my filter, ever. You not only took care of fixing my problem, you explained to me how the my system works and explained how I can keep a problem from happening a second time” -Cheryl / Rockville MD
“Living a few miles away from town, sometimes its hard to get a repair person to make me feel like a priority. Your scheduler was friendly and made me feel like I was your next door neighbor. Thanks.” -
Sarah / Germantown MD
Service …. is a word we take very seriously at Yang’s HVAC & Air Conditioning Repair in Maryland
Our goal is for you to be 100% satisfied with every service or installation we provide for you and your family.
Of course our main business is taking care of your heating and air systems and WE SERVICE ALL BRANDS, not just the ones we install!
In addition we offer many value added services that can greatly increase the comfort level and efficiency of your home
Thank you for the consideration. . .
23804 GRAPEVINE RIDGE TER CLARKSBURG, MARYLAND 20871 Nice Home For Sale
February 20, 2012 by admin · Leave a Comment
23804 GRAPEVINE RIDGE TER
CLARKSBURG, MARYLAND 20871
COLONIAL WITH ALL THE BELLS AND WHISTLES FEATURES 9′ CEILINGS,
HARDWOOD FLOORS, SEPARATE LIVING ROOM & DINING ROOM, PRIVATE LIBRARY
FAMILY ROOM WITH 2 SIDE FIREPLACE ADJOINS SUN-FILLED MORNING RM, GOURMET KITCHEN
UPGRADED CABINETRY, SEPARATE BREAKFAST ROOM
GLORIOUS MASTER SUITE WITH SITTING ROOM,
FULLY FINISHED LOWER LEVEL WITH DEN/GUEST ROOM, & BAR
Additional Features:
Architectural Style: Colonial
Attic: Yes
Auction: No
Basement Entrance: Connect Stair
Basement Type: Fully Finished
Basement: Yes
Block/Square: J
Cooling Fuel: Electric
Cooling System: Central A/C
Dining/Kitchen: Sep Dining Rm
Disability Access: None
Exterior Construction: Alum/Steel Siding
Farm: No
Foreclosure: No
For Sale: Yes
Heating Fuel: Natural Gas
Heating System: Forced Air
HOA Fee: 62.0
HOA Payment Frequency: Monthly
HOA: Yes
Hot Water: Natural Gas
Legal Subdivision: CLARKSBURG TOWN CENTER
New Construction: No
Baths: 4
Garage Spaces: 2
Lot Size SqFt: 4884
Fireplaces: 1
Level 1 Full Baths: 1
Main Level Half Baths: 1
Bedrooms: 4
Full Baths: 2
Taxed Living Area SqFt: 2994
Year Built: 2005
Parking: Garage
Possession: Negotiable
Short Sale: Yes
Property Type: Residential
Property Status: Active
Sewer/Septic: Public Sewer
Total Floors: 3
Water: Public
Tell us – When would you like to see this beautiful home?
“Your Clarksburg MD Real Estate Connection”
This will be great home for a lucky buyer. ..
Are you the one?
Call for the latest pricing in this beautiful home. .
Fernando Herboso| Carlos Herboso
“Your Clarksburg MD Real Estate Connection”
Our real estate knowledge is always up-to-date. For expertise you can depend on, call us when you have questions about the market or are ready to make a significant move. . .
“Quality representation is not expensive, it’s priceless!”
Herboso & Associates llc
Office 301.968.0555
Fernando’s Cell 240.426.5754
Carlos’s Cell 240.671.5542
Government Mortgage Settlement Questions & Answers — DO You Qualify?
The latest news that could affect underwater homeowners is that the Government reached a settlement with major lender in the tune of 25 billon dollars.
The news is spreading across the internet about this major agreement. .
A lot of criticism and a lot attention is being paid from a political point of view. .
But, what about you?
How does these news affect you if your home in underwater?. Or
If your home is being considered for a Loan Modification. .or
If your home is listed as a short sale right now. . or
If your home was recently foreclosed
What does it mean?
This post is for you, if you want answers and want the bottom line
How much money is available?
25 billion dollars being paid by Bank of America, JPMorgan Chase, Wells Fargo, Citigroup, and Ally Financial
Why?
Because they got caught falsifying records and signatures form unsuspected homeowners
“Take me to your leader”
Robo-Signing. . remember?
ANNOUNCING THE 25 BILLION DOLLARS ROBO-SIGNING-SETLEMENT
The lenders promised not to do it again. .
Who qualifies to get some of this money?
Any homeowner that has incurred a foreclosure in the last 3 years will get a check for $2,000. . and an autographed copy of their own robo-signature (unframed)
Any homeowner that has a mortgage underwater and is CURRENT ON THEIR MORTGAGE PAYMENTS may qualify for a principal reduction. No details yet on this, but we suspect that they will start with loans that are under
Please read it again. . .you have to be CURRENT ON THEIR MORTGAGE PAYMENTS
Of course regular loan modifications are still being entertained by these same lenders using other established programs provided that the homeowners qualifies and are agreeable into signing buying their home once again at a much higher price than is worth.
Who does not qualify?
If your loan is held by Fannie Mae and Freddie Mac, which by the way own half of all U.S. mortgages.. . you do not qualify.
How do I find out if my loan is Freddie or Mac?
These mortgages do not qualify under the terms of the settlement. You can find out if your loan is with either of these lenders by looking up your loan at www.fanniemae.com/loanlookup or www.freddiemac.com/mymortgage
What is my first step if I feel this could help me now?
Just reach out to your bank to find out if you may be eligible. The only banks that are participants of this settlement are below with their phone numbers. . if your lender is not listed there. .you do not qualify. If your home was foreclosed by any of these banks during 2008 and 2011, call them to claim your $2000.00
Ally/GMAC: 800-766-4622
Bank of America: 877-488-7814
Citigroup: 866-272-4749
JPMorgan Chase: 866-372-6901
Wells Fargo: 800-288-3212
I need help now!. .how soon can I expect this help?
You’ll need to be patient. The Government and the banks agreed to have up to three years to distribute these funds. If you are current on your mortgage payments and need immediate relief. .perhaps this may not be an option for you.
It has been reported that over the next one to two months, administrators will be picked to handle the distribution of the settlement, and they will have six to nine months to determine which borrowers will get help. . so the waiting game continues
Do I qualify for a principal reduction?
If your loan is both owned and serviced by any of these banks, I’ll say you may have a small shot. We are not sure yet how they are going to determine who qualifies for a principal reduction yet? The ideal situation would be in my opinion that you have a mortgage underwater, serviced and owned by one of these banks, you are having problems paying your mortgage and started using your credit cards to buy groceries. You have depleted most of your savings and are living paycheck to paycheck now.
Now, if you already up to the limits of your credit cards all your savings are gone and you have to choose to eat or pay your mortgage next month. . you can’t wait for this program. . you’ll need to act now.
Nevertheless it is an undaunted task by these lenders. .and a puzzling decision by the government that allows this:
That people who NEED HELP are homeowners that are behind on their mortgage payments. .not the ones that are current!
The people that NEED HELP are homeowners that have seen an increase on their mortgage payments (ARMS) and a decrease in their total salary and they can no longer pay a full mortgage payment anymore.
The obvious problem here is that if they reduced the principal to your neighbor’s mortgage and you share the same servicers and owners of your loan. . then you should be able to also qualify. .and your neighbors next door. .and the neighbor next door and . . ..the next . .and the next. .and the next. .. . around the world? . . you get my point.
What if my house is already listed as a short sale, and I’m in the middle of negotiations with my lender right now?
If you already missed one mortgage payment, you do not qualify for this Government Mortgage Settlement and my advice is to continue on with your plans.
If you have NOT missed your mortgage payments and you are seeking for a short sale relief. .you may consider calling your lender to the numbers listed above and ask them specifically. .do you qualify?
Be prepared to wait some time for this.
Don’t be a victim of bad information!
There is currently a lot of bad and misleading information out there regarding short sales in Maryland DC and Virginia and you need to arm yourself with the facts before you take the next step you need to take.
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The Worst Thing You Can Do Is Wait ! Take Action Today! |
Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!
Is A Short Sale an Option For Me?
Fernando Herboso
Broker for Herboso & Associates
9110 JOHN SIMMONS ST 21704 HOME FOR SALE VILLAGES of URBANA FREDERICK MARYLAND
January 23, 2012 by admin · 2 Comments
9110 JOHN SIMMONS ST 21704 HOME FOR SALE VILLAGES of URBANA FREDERICK MARYLAND
And
Is proud to announce our newest listing in the Villages of Urbana – Frederick Maryland
9110 JOHN SIMMONS ST, FREDERICK, MD 21704
2 Fireplaces. . .
4 Bedrooms
3.5 baths
Well Designed Kitchen. . .
This will be great home for a lucky buyer. ..
Are you the one?
Call for the latest pricing in this beautiful home. .
Fernando Herboso| Carlos Herboso
“Your Villages Of Urbana Connection”
Our real estate knowledge is always up-to-date. For expertise you can depend on, call us when you have questions about the market or are ready to make a significant move. . .
“Quality representation is not expensive, it’s priceless! ”
Herboso & Associates llc
Office 301.968.0555
Fernando’s Cell 240.426.5754
Carlos’s Cell 240.671.5542
Fax 888.913.3535
A Sample of Really Nice Homes in DERWOOD MARYLAND, 20855
December 29, 2011 by admin · Leave a Comment
A Sample of Really Nice Homes in
DERWOOD MARYLAND, 20855
5617 SILO HILL CT, DERWOOD, MARYLAND 20855
Price: $969,000
CIRCULAR DRIVEWAY TO EXPANSIVE DECK WITH SCREENED IN GAZEBO.THIS HOME BOAST …
MLS# MC7544299
Bedrooms: 6
Bathrooms: 4
Partial Baths: 1
Acres: 1.47
6001 WILLOW HILL LN, DERWOOD, MARYLAND 20855
Price: $899,000
CUSTOM HOME ON 2+ ACRES WITH PUBLIC WATER IN MONTGOMERY COUNTY. ALL BRICK …
MLS# MC7585144
Bedrooms: 5
Bathrooms: 5
Partial Baths: 1
Square Ft: 7158
Acres: 2.12
19820 MEREDITH DR, DERWOOD, MARYLAND 20855
Price: $740,000
MOTIVATED SELLER WANTS OFFER! GREAT NEW PRICE!! Stunning expanded-renovated Colonial on a beautifull …
MLS# MC7702379
Bedrooms: 5
Bathrooms: 3
Partial Baths: 1
Square Ft: 5737
Acres: 0.759986
19816 MEREDITH DR, DERWOOD, MARYLAND 20855
Price: $719,000
WOW!! Expansive NVR Kings Mill Model loaded with all the amenities one would want-add the pristine l …
MLS# MC7731327
Bedrooms: 4
Bathrooms: 4
Partial Baths: 1
Acres: 0.729982
Do you want to see any of these properties ?. . In 3 hours or less?
CALL ON US!
And Let Us Work For You!
Here at Herboso & Associates, we understand what an important decision is finding just the right home . .
Our agents are committed to finding just the right place for you, your family, and even your beloved pets.
Our dedication to the buyers is unsurpassed in customer satisfaction.
Tell us — How can we help you?
About Derwood Maryland
Derwood Maryland is located east of Rockville Maryland, originally this area was referred as “Deer Park” for the abundance of these animals that still are seen roaming around freely . . .
To get customized reports for relocating families or specific school assignments, please send your request to mailto:info@ReallyNiceHomes.com
Thank You,
www.ReallyNiceHomes.com
Really Nice Homes For Sale in Frederick Maryland
December 21, 2011 by admin · Leave a Comment
A Sample of Really Nice Homes in
Frederick Maryland 21702,21703,21704
6060 WHITE FLINT DR, FREDERICK, MARYLAND 21702
Price: $999,999
Recently Renovated Brick Colonial,Approx 6849 SQ/FT On 3 Fin Lvls W/Sun Filled Walk/Out Lower Lvl,Ex …
MLS# FR7704319
Bedrooms: 4
Bathrooms: 3
Partial Baths: 2
Acres: 1.66999
109111 RECORD ST, FREDERICK, MARYLAND 21701
Price: $940,000
This Magnificent Home is located on beautiful, desirable Record Street with a sweeping view of Frede …
MLS# FR7736099
Bedrooms: 6
Bathrooms: 3
Partial Baths: 2
Acres: 0.177663
6948 CLIFTON RD N, FREDERICK, MARYLAND 21702
Price: $899,000
REMARKABLE COUNTRY ESTATE. The McSherry-Holter House, circa 1901, sits high atop Old Braddock Mount …
MLS# FR7630501
Bedrooms: 7
Bathrooms: 3
Partial Baths: 1
Square Ft: 4696
Acres: 9.4
Do you want to see these properties or more?. . in 3 hours or less?
CALL ON US!
And Let Us Work For You!
How can we help you?
