Upside down on your mortgage? Underwater? Help is available for New Milford CT homeowners.

We all hear about short sales, but what does it mean to you, the homeowner who is now in the unfortunate situation of owing more than your house is worth. Top that off with a job loss or some other hardship and you may not be facing a short sale, you will be facing a foreclosure if action is not taken to sell your home. New Milford and the surrounding communities are not exempt from this problem. The amount of homes that were involved in some type of foreclosure or pre foreclosure notice for the month of June were 450! That is a staggering figure, but it tells me that there are so many of you out there that need help ASAP!

What can you do? Stop hiding, guessing and fearing the worst. You need to take action now, and you need to have a team of professionals guide you through the process. You are not alone, there is no shame in this. It is possible that a short sale can happen, an agreement can be negotiated with the lender(s) and you can move on and put your life back together. I have heard that after 2 years of a short sale, if your finances are back in order you can purchase a home again. This is not true of foreclosure, it will take far longer to get to that point again.

I have decided to team up with loss mitigation specialist Denise Marr from First Mitigation Group LLC. I know some agents are doing this on their own, but in all honesty, given the amount of work that needs to be done, the fact that different lenders have very different requirements, repeated calls have to be made daily, or multiple times a day, packets are kicked back for one item that may be missing, there is a high turnover rate with the lenders so the person you were dealing with yesterday is not the person you will be dealing with today, on and on. I want to spend my time marketing your home, and want you to use a loss mitigation specialist to give you the best shot at getting the bank to accept your short sale.

What can you expect from me? I will not take into consideration what you owe on the house when pricing it, so if you are looking for that miracle buyer to come along and pay all your debt you need to find another real estate agent. Remember, you know already that your house is worth less than what you owe, and surly an appraiser for the buyers lender will know that too. No secret. Every real estate agent who shows it to a buyer will know it too. I will tell you what the probable sale price is and show you what your competition will be. I will help you to show your house off so that it will be the best within its competition. I will also bring loss mitigation specialist Denise Marr from First Mitigation Group LLC with me when I present the market analysis to you. Any questions you have about the short sale process, or short sale vs. foreclosure will be answered by Denise.

To qualify for a short sale you must be experiencing a true financial hardship, have no equity in your home, no assets, be in default, or be facing imminent default, and be in a market where you cannot sell the home for enough to cover your debt and all other associated closing fees.

If you would like more information about the short sale process, please feel free to contact me at 203.460.1775. All information will be kept confidential, and you can rest assured we will treat you with the utmost respect that you deserve.

Are you looking to buy a home or sell a home in the greater New Milford area? Please contact me or visit my website to find out more.

Homes for sale, greater New Milford CT.
Local area information, New Milford, Washington, Roxbury, Kent, Bridgewater, Sherman and Warren. Why you should be looking for a home here!

© 2009 Andrea Swiedler. Unless otherwise noted, the content, both written and in pictures, is the property of Andrea Swiedler. If you wish to use something you see here, please email me (andrea@andreswiedler.com) with your request. Most likely I will oblige, with a link back to my original content as well as an acknowledgment. Although imitation is the highest form of flattery, please let me know before you decide to bestow this form of flattery on me! Thank you.

Pet Friendly Real Estate

Technorati Tags: pet friendly real estate,selling your home with pets,moving with pets,new milford ct real estate

Having pets when your home is on the market can be a very sensitive subject. Often because of the circumstances I have made myself available, or made arrangements with others in my office if I can't be available, for each showing. Sometimes it just is not possible to put your dog in a crate all day.

Recently I represented buyers in the purchase of a home. The sellers had a dog named Rocket. Poor dog, he was more like the first Sputnik, not a rocket! He is 17 years old, very deaf, probably not seeing as well as he used to, and to be honest, has a bladder control problem. The homeowners left Rocket loose in the house during the day, so if you had clients that were leery of dogs this might have been a problem. That is, if Rocket had been a bit younger.

While doing inspections, poor Rocket had an accident right in front of us on the rug. My clients were very understanding, Mrs. went under the sink to find something to spray on the carpet, and I searched for a leash to take the dog outside with. I didn't find his leash, but remembered I had a leash in my jeep. So, off we went, Rocket and I, for a saunter around the yard. He did all his business, and to be honest, looked quite relieved! I had called the listing agent and asked if she knew where his leash was, and she said no. I think she must have passed on poor Rocket's story to his owner, because the next time I came, the leash was on the front stairs.
The next 2 times I went to the home I took him out for a little walk. He really was happy. He even stood in front of a cabinet, nudging me, for his treats, which I found as soon as I opened the cabinet door.

Selling a home is hard enough on the human family, but animals suffer too. I know many times dogs are left to roam the home during the day. Sometimes they are caged, or removed for showings, but there are enough times I have seen dogs loose in the house. This can and will cost you a sale! Make provisions ahead of time, do not wait until the last minute. Also make sure your house does not smell like dog!

If you have cats, make sure you keep the litter box clean clean clean. Many buyers are very sensitive to the smell of animals, especially cats. For urine smells, try Natures Miracle or something similar. Do not try to mask the smell with air fresheners. You may want to consider hiring a professional if you are unable to remove the smell.

I am a pet friendly REALTOR. I have attended showings of my listings to take the dogs out of the house when my clients are at work. I make signs up and post on the doors if there are cats in the home that do not go outside.
Remember, pets are family members too! Make provisions for them when selling/showing a home.
I have bonded with Rocket. I wish him well in his new home. I have made yet one more 4 legged friend, and am proud of it.

If you are thinking of buying or selling a home in the greater New Milford area, please give me a call at 203.460.1775. I would be happy to discuss your options. If you prefer, send me an email, andrea@andreaswiedler.com.

I am a pet friendly REALTOR!

For information on moving with pets try these online articles:

Moving with Your Dog, by Kathy Diamond Davis

Moving Preparations for the Dog Owner

Your Cat and the Move, Soothing Post-Moving Stress by Gina Spadafori

The Art of Moving With Cats