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Hilsz & Associates       1-415-777-8600

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About Hilsz & Associates

 
Are you facing foreclosure or worried you will be soon? Are you trying to work things out with your bank?
 
Call today for a free one-hour consultation on current prevention programs and options, and how they can work for your specific situation.
 
Below are our programs:
 
* Bank Modifications vs. Government Programs
* Do I Qualify for the HAMP Program Yes or No in 30 Days
* What Can I Do If My Loan Does Not Qualify?
* What Are Some Alternatives to Foreclosure?
* Contact Information for Local Bank/Lender Staff, Not a 1-800 Phone Number
* HAFA and "Cash For Keys" Programs
 
We're Short Sale Specialists with ARG. We work directly with local lenders and banks and often can immediately stop or delay the foreclosure process on a distressed property. By letting us stop the sale date, you may be eligible for up to $3000 from the US Government HAFA Program, and also up to $5000 or more "Cash For Keys" from your lender. There is no up-front cost to you for this service, and we can only do this with your permission, so please call today or see our website for more details.
 
BETTER BUSINESS BUREAU “ACCREDITED STATUS” AND VERIFIED BACKROUND

Join the “THE LOSS MITIGATIONS SHORT SALE SPECIALIST NETWORK”
 
Lets face it, the number of short sales and foreclosures are exploding!  Those of us who have made short sales our specialty are going to be keeping very busy!  There is no sign up fee required to join the short sale specialist network. We are NOT investors or short sale home buyers!, We are NOT a short sale mitigation company! We are a full service Broker!, We are a nationwide network of Professionals who are specialists in helping home owners. Fill out the form below or visit our Realtor® applications on apply now. To become a preferred partner member in our network there are a few requirements: You must never charge the homeowners any money for services, period. You must never refer the home owners to a 3rd party mitigation company. All work with sellers' lenders must be done in house. You must have an attitude of service towards your clients and be compassionate towards their needs. You must have experience in working short sales. You must have no complaints against your Real Estate license. You must have no direct or indirect interest in buying the property, and never accept an option contract, or encourage a homeowner to sign a quitclaim deed or power of attorney. Some of the benefits of joining the Short Sale Specialist Network include unrestricted use of our site including our lender forms, documents, and contact numbers page, as well as participation in our monthly tele-seminars! We have forums, groups, blogs and networking.  In addition, we offer an online short sale training course.  If you are interested in getting listing assignments directly from us, go here for information and to schedule an interview.
 
Short Sale Division
 
We're Bay Area Short Sale Specialists, and are experts at getting short sales approved with national and local banks, credit unions and other lenders.The Short Sale Group are licensed real estate brokers and agents and are experienced in working with homeowners and lenders on distressed property issues. No cost to sellers - your lender pays all our fees No "For Sale " signs No Open House events Properties sold "As-Is," no repairs needed "Cash For Keys"  your lender may offer relocation funds Since 2009, we're one of the top Bay Area Loss Mitigations Short Sale Firm  - Short Sales are the most complex of all residential real estate transactions. In order to sell and close short sales with a high rate of success, and to also represent the property owners best interests, a homeowner should only work with an experienced and dedicated short sale team. Call us today at 888-4-LOSS-MIT for free information and advice about Short Sales.
 
Experience Matters ! - See our Approval Letters!
 
We've helped homeowners in the counties of San Francisco, Alameda, Contra Costa, Marin, San Mateo, Santa Clara and elsewhere in California. We've helped people in Berkeley, Albany, Oakland, San Leandro, Richmond, El Sobrante, Hercules, San Jose, Fremont, San Mateo, Sunnyvale, Milpitas, Mountain View, Redwood City, Burlingame, Daly City, Sausalito, Mill Valley, Tiburon, San Rafael, Orinda, Walnut Creek, Lafayette, San Ramon, Pleasanton, Concord and Emeryville and we can help you as well.
 
Negotiating short sales is a full-time job. With the Short Sale Group, all short sale packages go through a very meticulous screening and preparation process, twice for accuracy. Your short sale package is only submitted to the Bank(s) when it meets our standards and has the greatest chance for approval. The strength of our experience, knowledge and relationships is invaluable. Free Consultation - Call 888-4-LOSS-MIT Any Time
 
How long does a short sale take?
Will a short sale cover a HELOC / second mortgage?
What is HAFA?
What is the California foreclosure process?
My bank said "Find a short sale agent." What now?
Can I short-sell my house "as-is"?
I need a local expert!
 
We understand the search terms that brought you here! Call today for answers and more information. We're Short Sale Specialists and want to answer all your questions - the phone call is free!
 
What is a Short Sale ?

In simple terms, a short sale is a transaction in which the bank accepts a discount on their mortgage to allow a sale, and the seller gets out of the entire debt free and clear.
 
For example: A homeowner has an existing first mortgage of $500,000. The market value of the home is $350,000, and The Short Sale Group finds a buyer ready to pay that price for the property. The seller's bank agrees to wipe out $150,000 in mortgage debt, and accepts the offer for $350,000 and the home is sold.
 
In actual practice, a Short Sale is the most complex of all residential transactions, so make sure you work with seasoned professionals.
 
Short Sale FAQs
What is a Short Sale?
What is a HAFA Short Sale?
How long does a Short Sale take?
Does the seller have to pay anything?
Will a Short Sale cover a HELOC/second mortgage?
Can a property be sold "as-is"?
Should we do a Short Sale, or foreclosure?
 
What is a Short Sale?
A Short Sale, or short-pay sale, is when a lender agrees to accept less than is owed and close out the mortgage(s) on a property.  Example: Sellers owe $500,000 on a house, but current market value is $350,000.  The Short Sale Group negotiates an agreement with the bank to accept an offer at the market value of $350,000, and the sellers are let out of the entire debt at no cost.
 
What is a HAFA Short Sale?
HAFA (Home Affordable Foreclosure Alternatives) is a Federal government Short Sale program that some banks are required to offer as a possible option to owners of some distressed properties.  In most cases it is harder to qualify for a HAFA sale than a standard short sale, but with nearly all lenders if a seller does not qualify for HAFA their short sale request is automatically moved to a standard short sale review.  Here is the official HAFA Program website.  The Short Sale Group handles both HAFA and non-HAFA short sales, and can answer questions about the different programs available from your lender.
 
How long does a Short Sale take?
Usually a Short Sale will take from three to six months from start to finish, although sometimes it may take a little longer if there are multiple different lenders involved or other complications.  In most cases the current residents - owners or tenants - can remain in the property throughout the process until the sale is completed.
 
Does the seller have to pay anything?
For our clients, almost never.  Investor owners selling rental properties are sometimes asked to pay closing costs - transfer taxes, fees etc. - but personal residences are nearly always sold without any seller contribution.
 
Will a Short Sale cover a HELOC/second mortgage?
A Short Sale eliminates all mortgages and liens on a property - home equity lines of credit (HELOC), second mortgages, unpaid property taxes, tax liens, etc.  Because each and every lienholder must agree to allow the short sale to be completed, it is critical that all negotiations be done by experienced specialists.
 
Can a property be sold "as-is"?
A property can be sold in any condition.  We usually advise our clients not to put any more money into repairs or improvements on the property since it will not affect the process, but please contact us for specific questions about your property.
 
Should we do a Short Sale, or foreclosure?

Whether you should consider foreclosure may depend on the financial and legal consequences of a foreclosure. You should always, without fail, get legal and tax advice because real estate agents, unless licensed to practice law, cannot provide legal or tax advice.  In nearly all situations a foreclosure is the least favorable option for the seller.
 
Call today at 888-4-LOSS-LIT for answers to all your specific questions.  Advice is always free, and we're here to help you.
 
To learn more  view our informational video
 
Approval Letters
 
Recent Short Sale Approvals:

The single most important document in a short sale is the Approval Letter from your lender.  It allows the sale to proceed, and gives the terms for both seller and buyer.  Below are some recent short sale approval letters, and sale details.

Want to Buy a Short Sale Property? Call us today to find out how to get your offer accepted! We regularly get new short sale listings, and can notify buyers when something matches what they're looking for - by location, size, price etc.  
 
Call 888-4-LOSS-MIT today to get free email notices of new short sale listings, before a property is listed on the agent MLS site. 
 
We work with investors and personal home buyers who want a fast track to successful short sale purchases.
 
Having trouble finding short sale properties?  Are you writing offers over and over and never getting your offer accepted?  Contact us for advice on how to identify a good short sale property, how to hear about them before they hit the MLS, and how to write an offer that will get accepted.
 
We're Bay Area Short Sale Specialists, and are experts at getting short sales approved with national and local banks, credit unions and other lenders.  The Short Sale Group are licensed real estate brokers and agents and are experienced in working with homeowners and lenders on distressed property issues. 
 
Since 2009, we're one of the top Bay Area Short Sale realtor groups - Short Sales are the most complex of all residential real estate transactions. In order to sell and close short sales with a high rate of success, and to also represent the property owners best interests, a homeowner should only work with an experienced and dedicated short sale team.
 
Call us today at 888-4-LOSS-MIT for free information and advice about Short Sales.
 
Experience Matters ! - See our Approval Letters!
 
We've helped homeowners in the counties of San Francisco, Alameda, Contra Costa, Marin, San Mateo, Santa Clara and elsewhere in California. We've helped people in Berkeley, Albany, Oakland, San Leandro, Richmond, El Sobrante, Hercules, San Jose, Fremont, San Mateo, Sunnyvale, Milpitas, Mountain View, Redwood City, Burlingame, Daly City, Sausalito, Mill Valley, Tiburon, San Rafael, Orinda, Walnut Creek, Lafayette, San Ramon, Pleasanton, Concord and Emeryville and we can help you as well.

Negotiating short sales is a full-time job. With the Short Sale Group, all short sale packages go through a very meticulous screening and preparation process, twice for accuracy. Your short sale package is only submitted to the Bank(s) when it meets our standards and has the greatest chance for approval. The strength of our experience, knowledge and relationships is invaluable. Free Consultation - Call 888-4-LOSS-MIT Any Time

We understand the search terms that brought you here! Call today for answers and more information. We're Short Sale Specialists and want to answer all your questions - the phone call is free!
 
What is a Short Sale?

In simple terms, a short sale is a transaction in which the bank accepts a discount on their mortgage to allow a sale, and the seller gets out of the entire debt free and clear.
 
For example: A homeowner has an existing first mortgage of $500,000. The market value of the home is $350,000, and ARG finds a buyer ready to pay that price for the property. The seller's bank agrees to wipe out $150,000 in mortgage debt, and accepts the offer for $350,000 and the home is sold.
 
In actual practice, a Short Sale is the most complex of all residential transactions, so make sure you work with seasoned professionals.
 
About Us
 
Short Sales are the most complex of all residential real estate transactions.In order to sell and close short sales with a high rate of success, and to also represent the property owners best interests, a homeowner should only work with an experienced and dedicated short sale team.  Loss Mitigations LLC consists of principal agents, field agents, support staff, and affiliated outside firms.

¨Organizations & Certifications
 
Our team reviews each short sale document package to ensure completeness and conformity with each mortgage bank.  Once submitted, we negotiate with your mortgage Bank(s) to convince them to accept the reduced offer and get the Short Sale completed and closed. We have helped many home owners in Northern California and we can help you too.

¨For any questions or more information about us, feel free to contact us: 1-888-4-LOSS-MIT

Hilsz & Associates enters in to contract with the sellers or acts in as an Attorney-in-Fact for either party. Hilsz and Associates are not licensed real estate brokers. Please request to meet or conference with one of our attorneys or tax professional for specific advice on legal or tax issues.
 

All property information is deemed reliable but not guaranteed. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, family status, or national origin. Equal Housing Opportunity employer.
 

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