WHAT I DO BEST!!!

I specialize in residential, REO’s, Short Sales, Residential RIVERFRONT and recreational properties-my clients benefit from my in-depth knowledge of the Bullhead City area and its ever changing Real Estate trends, market conditions, and financing availability, Call or email me today for a free “FORECLOSURE LIST”. Now is a great time to buy Bullhead City Real Estate, ask me why!!

As a Keller Williams Real Estate professional I provide full-time service and results. I have been involved in sales and marketing for 12 years in Arizona and I’ve had a license in California for the last 5 years. BANK OWNED properties abound, let me find you the investment or home you have been looking for.

BULLHEAD CITY AND THE SURROUNDING AREA

Nestled in the Colorado River Valley, southwest of the Grand Canyon, Our area offers clean air and warmer winters in beautiful desert surroundings. Just across the COLORADO RIVER, the gambling city of Laughlin, Nevada and Las Vegas, is 90 miles to the North.

WHAT IS A SHORT SALE?

Have you lost your job? Are you going through a divorce or separation and can't pay your house payment? Are you currently behind on your house payments? Are you considering bankruptcy? Have you been served a pre-foreclosure notice from your mortgage lender? Do you currently owe more on your property than what it's worth? A Short Sale may be your answer.  A Short Sale occurs when a mortgage company agrees to accept less than what they are owed for an outstanding loan. Mortgage companies would rather agree to a Short Sale than foreclose on the home. A Short Sale allows a homeowner to sell a home even if he/she owes more than the home sells for. In most cases first mortgage holders will forgive the unpaid balance.

Do you currently owe more on your property than what it's worth?

If you can no longer afford your mortgage payment, and owe more than you can sell it for, you may be able to walk sell it for less than you owe, and have the lender forgive the difference! You can get out from under a mountain of debt that you can no longer afford and get a fresh start.

What are the Advantages of a Short Sale???

Sell your home quickly and easily for market value

Take no money out of pocket

Avoid foreclosure and bankruptcy

No foreclosure on your record

Potentially Walk Away from your home with no debt and no tax consequences, consult with your tax professional to understand the details of your situation.

How much is this going to cost me?

Unlike some companies, we charge absolutely nothing to the homeowner. We are paid by the lien holder or bank if there is a successful closing.

What is the differnce between a Short Sale and a Foreclosure?

With a foreclosure, a public notice is filed and privacy is not maintained.

With a Short Sale in most cases you can negotiate with the first mortgage holders to let you walk away free and clear without any deficiency judgements actions taken.

A successfully negotiated short sale will allow you to be eligible for a Fannie Mae backed loan in as little as 2 years, as opposed to 5 years (7 years if the property is not your primary residence). Loan Applications do ask if you have had a forecloure, they do not ask if you have had a Short Sale.

Can any Real Estate Agent handle a Short Sale?

Technically "Yes" but Short Sales are different than traditional real estate sales. Short Sales have traditionally not been a prevalent part of an Agents previous sales experience.  Real Estate brokers and agents who are very experienced with Short Sales can help get more sales closed faster with fewer problems. I strive to insure that I give my clients the best possible chance of getting the Short Sale approved.

I have completed the Short Sales and Foreclosure Resource (SFR) Certification by the Nation Association of Realtors.

Can I Short Sale if I missed or am behind on my payments?

Yes. You can even short sell a property if you are in default.

Can I Short Sale if I already received a foreclosure notice?

Yes. The lender may postpone the foreclosure sale to give you time to complete a sale to a qualified buyer.

Can I Short Sale if I have already received a modification from my lender?

Yes.

Can I Short Sale if I have been denied for a modification?

Yes

Can I Short Sale if I am in the process for a modification?

Yes

Why would a lender agree to Short Sale and take a loss?

It takes alot of time and money to foreclose a property. After the lender pays the attorney fees, court costs, and recording fees, they own the property and have to maintain it until it sold. That means they pay for insurance, property taxes, and lawn care etc. If they can work with the homeowner to sell the home without foreclosing, they save thousands of dollars and a lot of time. It is very rare that the lender will sell a property for more than what the house could sell for in a Short Sale.

If you know someone that is having difficulty making their payments, be a friend and tell them about my services.


Contact me with your real estate needs. I promise to guarantee your privacy.

- Vickie Polston