Sell My House FAST NJ | Foreclosure Assistance Also Available

Foreclosure

Contrary to popular opinion, a foreclosure does not go away from your history after a certain amount of years.

Although, it may come off your credit report, it will always be brought up whenever a new mortgage is applied for.

Making it almost impossible for you to buy another property for years to come.

The ideal situation would be for you to save your house, equity, and credit, but in the event that nothing can be saved, avoiding a foreclosure on your record should still be considered beneficial to you.

If you are in a foreclosure and have no resources to make up all of your back payments, it is imperative that you call us immediately.

Please let us know if you are already in foreclosure or just in need of a quick sale so that we can assess the seriousness of the situation. Time is of the essence in this business, so please do not hesitate to inform us.

Need to sell your house fast ?

At Reliance Home Solutions, we can help you with the problems you are experiencing as a homeowner.

100% Private & Confidential. We help solve:

Double House Payments

Many situations can cause you to get stuck with double payments. The most common problem is when you have bought a new home and your first home has not sold yet.

You have a choice to either keep making double payments while you try to sell the old house, or rent your house and become a landlord.

We are interested in buying your house, so call us if you want to sell it.

Behind on Payments

Perhaps you have missed one or two payments and you have received some letters from the bank.

The stress level is just beginning to build.

Do you want to put an end to the nagging anxiety of having these back payments hanging over your head?

Do you want to get this stressful situation finalized? But finalized with peace of mind, knowing you took care of 'business' and honored your agreements with the lender?

Based on your circumstances, we may be able to buy your house and make up your back payments.

The goal will be to create a solution that is a win-win for all of us.

In Foreclosure Process

We have programs to help stop foreclosure regardless of your situation. Any foreclosure situation can be resolved successfully with the right help.

We have helped many homeowners and can help you stop foreclosure as well!

You have options! However, time is of the essence.

You MUST act fast to protect your rights.

Adjusted Interest Rates Too High

A Loan Modification is a way to renegotiate your current mortgage allowing you to maintain or repair your credit.

Many aspects of your mortgage can be changed to your benefit, including the term of the loan, interest rate, balance of principle and monthly payments.

It's even possible to have late fees waived.

There are many opportunities opened through loan modification and each home owner's situation is unique.

Our skilled negotiators will contact your lender on your behalf to renegotiate the terms of your loan.

Time is of the essence when you are having difficulty with your mortgage payments. Time is definitely not your friend in this situation.

Each day that passes makes it that much harder to get a work out agreement with your lender that you can be happy with.

Job Transfer

Often the biggest challenge for a homeowner in this situation is timing.

You have kids in school and you want them to finish the school year, yet you don't want to put off selling the house and increasing the risk of having mortgage payments on 2 homes..

Worse yet, you don't want to risk selling a house remotely or being an absentee landlord if you are forced to rent the house if it doesn't sell.

We will work with your needs and schedule. If you want to close on the house next week but stay in the house until the end of the school year, that's fine. This way you can shop for your new house and close out your business here without the stress of your current house hanging over your head.

Expired Listing

Maybe you've tried listing your home already. That's OK. There are some fine agents out there. But do they really get out there and "sell" your home ?

The funny thing about agents is they seem to place a high priority on "listing" homes; building up a veritable stable of listings. But then, once the listing is secured very little effort is made in actually "selling" the home.

The agent's abilities may look very impressive to the casual observer, but does that do you any good?

Most of the time your home just sits on the MLS till the listing expires. This happens to over 50% of all listings.

You may have tried the "For Sale By Owner" route to selling your home: you bought a sign from Home Depot, you placed your ad in the paper, and you listed it on the FSBO website. You waited...and waited.

Then you called back the "shoppers" and left messages on their answering machines.

Maybe you spoke to a couple who was just gushing with enthusiasm over the phone, but nowhere in sight at the appointed hour.

What ever your experience has been so far please take comfort in knowing you have at least one interested buyer you can fall back on. Reliance Home Solutions.

If you take the time to tell us about your house and your situation, we will make you one or more offers.

Don't spend one more night worrying about that house.

Getting Divorced

Divorce creates great stress and anxiety in a person's life.

One item that could prolong this is the disposition of joint assets such as a house.

This is an area that we can help you with.

Do you own a house in NJ but live elsewhere?

Perhaps you inherited a house from a loved one or you were transferred out of the area before your house sold.

Regardless of the situation, owning property in another city or state can be a difficult proposition.

If you are a landlord, tenant problems become more complex when you aren't there to monitor the situation.

You may be relying on the goodness of friends and family to act on your behalf. That solution typically doesn't last long.

If the property is vacant, it can soon fall into disrepair if no one is checking on it regularly to make sure water, weather, vandals, or insects aren't taking their toll.

Call us and lets discuss how together we can take that burden off your shoulders.

No Equity - No Problem

If you have owned your home for less than 3 years and you purchased the home with very little down, you may find yourself in a situation where you have no equity in the house.

Many real estate professionals will be hesitant to list the property because there wont be enough proceeds from the sale to pay their commission.

Now what do you do?

You could try to sell it yourself, but since your level of equity is so low you will have little room to negotiate on price, this could drag out the sales process significantly.

There are two programs to help people like yourself in this situation. If you are in this situation, you have nothing to lose and everything to gain by taking a few minutes to discuss your situation with us.

Estate Settlement

Often the home of an elderly loved one, which has gone through a period of decline, is in a state of disrepair or at least not in condition to be marketed for top dollar.

Left to the heirs, is the often painful task of cleaning out the house and making repairs in preparation for listing the house for sale.

Since we buy houses as is, in any condition, We can save you the trouble of the cleaning and repairs.

While we cannot promise top dollar for the house , the transaction will be hassle free and fast for you.

Click Here Now For A Guaranteed Offer

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Mortgage Market Continued to Falter in 3rd Quarter

The U.S. housing market continued to deteriorate in the third quarter as even the most credit-worthy borrowers increasingly fell behind on their mortgages, highlighting the problems policy makers have faced in trying to address the problem. A new report from the Office of Thrift Supervision and Office of the Comptroller of the Currency found that the percentage of current and performing mortgages dropped for the sixth consecutive quarter, as foreclosures in process topped 1 million mortgages at the end of September. The report covers roughly 34 million loans totaling $6 trillion in principal balances, or approximately 65% of the U.S. mortgage market. The regulators said that serious delinquencies, loans that are at least 60 days past due, increased across all loan categories and climbed to 6.2% of the loans in the portfolio during the third quarter. The report said that just 67.7% of option adjustable-rate mortgages were considered current at the end of the third quarter, while 27.9% were either seriously delinquent or in the process of foreclosure. The most troubling finding was that even borrowers considered "prime," or the least risky, increasingly can't pay their loans. The report said that 3.6% of prime mortgages were more than two months behind on payments, more than double from a year ago. The regulators noted that banks and thrifts have increased their efforts to help some borrowers, implementing more than 680,000 loan modifications, trial period plans or payment plans during the third quarter. That includes roughly 274,000 plans initiated through the Obama administration's Home Affordable Modification Program, which provides borrowers with a three-month trial period to successfully pay for their modified loans. Borrowers who meet the requirements then have their loans permanently modified. But even attempts to modify loans are yielding a low rate of success, a problem that policy makers have been unable to deal with successfully over the last several years as they seek to right the housing market. The report said that more than half of all modified loans were more than 60 days past due or in foreclosure within six months of modification, and less than 1% of loans modified under the administration's plan had been permanently modified through the end of September. Additionally, banks and thrifts remain unable to keep the pace of modifications anywhere close to the number of struggling borrowers who need help. The report said that only one in six borrowers who were seriously delinquent or facing foreclosure at the end of the third quarter received a load modification or trial payment plan. There were more than 369,000 new foreclosure actions during the third quarter.

Treasury Announces New Short Sale Process

The U.S. Treasury Department on Monday released a plan to speed up and encourage Short Sales as a means to help families avoid foreclosure. We've been offering Short Sale proposals to public officials for over a year, and although the new guidelines aren't everything we were hoping for, they do represent a significant improvement over the current situation. Short Sales have been difficult to close, and these new measures are a huge step in the right direction. One major highlight: A lender must give a yes or no answer to an offer within 10 days. Also included: a moving allowance, incentives for sellers and lenders, commission rules, and a stipulation that releases sellers from debt liabilities. Here's an initial Reuters news story outlining the new policies. As we've said throughout 2009, the key is to become experts in the process. We expect a tremendous increase in Short Sales during the coming year, and it's vital that RE/MAX Associates continue to lead the industry in Distressed Property skills and training. At RE/MAX International, our staff is quickly developing resources to help you understand the new Short Sale guidelines and explain them to your buyers and sellers. Be sure to open the Mainstreet Link e-mail you receive tomorrow. It will contain the latest news and details about the Treasury plan, as well as video and print materials you can add to your marketing presentations. We're also putting consumer information on remax.com and will be communicating ongoing developments via Facebook and Twitter.

First-time buyers account for nearly half of home sales

Thanks in part to an $8,000 tax credit, first-time buyers accounted for a record 47 percent of all home purchases this year, according to the National Association of Realtors. The economic stimulus bill funded the $8,000 tax credit for first-time homebuyers through Nov. 30. This month, Congress extended it to homes that are under contract by April 30, 2010, and created a $6,500 tax credit for owners of existing homes who buy a new principal residence. Besides the tax credit, affordable prices and pent-up demand brought more first-time buyers into the housing market, Realtors said. “These buyers are critical to housing and a general economic recovery because the market always heals from the bottom up,” said Paul Bishop, director of research at the NAR. “They absorb inventory, free existing owners to make a trade and stimulate related goods and services.” For example, more aging baby boomers bought homes in communities designed for older people as a result of the surge in first-time buyers, according to the National Association of Home Builders. “Older households were able to sell their existing homes, and pursue a home in a 55-plus community,” said NAHB chief economist David Crowe. “The recent extension and expansion of the tax credit should extend the domino effect from first-time buyers and expand the effect by providing a credit to repeat buyers as well.”