The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 10th, 2015

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GREATER EWA BEACH/KAPOLEI HAWAII

The Home Buyer’s Korner

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Short Sales ~ What Sellers & Buyers Need To Know

short sale image Short Sale : Writing A Letter Of HardshipA short sale is when a property is sold for less than its remaining mortgage principal balance, and executed as a way for both the existing home owner and mortgage lender to reduce their respective losses by avoiding a foreclosure.

Typically, short sales are reserved for situations of extreme financial hardship; just prior a bank beginning foreclosure proceedings.

Short sales are not automatic, however. Home owners must often prove the merits a short sale to their lender, which often involves documenting that selling the home for less than its worth is the best and most viable option for all parties involved.

The short sale process starts with a letter of hardship from the current homeowner.

To prove the short sale worthiness to the bank, the listing agent should have already started the process for your seller with their lender and got the ball rolling by submitting a cover letter which explains their hardship, as well as providing a full financial disclosure. They’ll also need the original purchase contract; a balance sheet of the sellers’s income and expenses; assets sheet and two years of federal tax returns.

Lenders prefer compelling letters explaining the need for the short sale and are more apt to agree to it when home owners have lost jobs or encountered significant medical bills, as opposed to those who engaged poor spending.

In addition, note that the following traits can help speed short sale approval:

  1. The home is marketable
  2. A second lien holder, if one exists, is amenable to short sale proceedings
  3. A foreclosure is not scheduled within the next four months

Choosing to purchase a short sale isn’t something a home buyer or seller should pursue alone. The process of selling a home is significantly different from selling a non-distressed home. Both the Home Buyers and Home Sellers in a short sale should seek the advice and counsel of experienced short sale listing agent.

Short Sales & The Seller’s Perspective

Avoid Foreclosure & Tax Implications

Know When You Can Get This Chapter Behind You

For sellers that are in financial stress with the possibility of losing their homes a “short sale” is a possible solution.

Perhaps you have been told that the house should have the carpet replaced or that the interior needs painting or worse that the roof looks like it should have been replaced years ago. If you’re caught in a Catch-22 situation of needing to sell and don’t have the money to put into the house, there’s a possible solution called the FHA-203k Streamline Home Mortgage Loan.

If this is your situation, contact one of the real estate professionals in our network to learn how to start the short sale process with your lender and get your home sold, so you can start a new day.

Once you have the lender’s approval to market you home, your agent can do the following to get it sold:

  1. Market your house as being eligible for FHA-203K financing;
  2. Locate a licensed contractor in our network that’s experienced with the FHA-203K program and get a written repair estimate;
  3. Have your real estate agent provide the repair estimate along with this information to the lender an their intent to market your home as an eligible FHA 203K property with your listing MLS information;
  4. Have copies of the estimate inside the house for would-be home buyers and their real estate agents to take with them;
  5. Have your real estate agent list experienced FHA 203K lenders in our network and refer interested home buyers to learn more about this great home renovation loan program.

Bad Things Happen to Good People

FHA RECENTLY REMOVED ITS MINIMUM TIMELINES

TO PURCHASE A HOME IF YOUR HAD A RECENT FINANCIAL HARDSHIP

BACK TO WORK ~ EXTENUATION CIRCUMSTANCE

Once you’ve settle on your short sale, home ownership is still within your reach with an FHA insured mortgage after just 12 months if:

  1. As of the date you make application for you new home, all installment debt payments were made within the month due for the twelve months preceding the short sale.

  2. If you were in default at the time of the short sale (or pre-foreclosure sale) you’ll be eligible for and FHA insured mortgage after three years from the date of the short sale. (THE THREE YEAR REQUIREMENT HAS RECENTLY BEEN REMOVED BY HUD).

  3. If you sold your property under the FHA pre-foreclosure sale program you are eligible (REMOVED) three years from the date that FHA paid the claim associated with the pre-foreclosure sale. Make sure to keep a copy of your Note. This document will have an FHA Case number and your lender can check with HUD to determine when the claim was paid.

  4. Lenders may make exceptions for borrowers in default at the time of short sale if the default was due to circumstances beyond the borrower’s control (such as death of a primary wage earner, long term uninsured illness, etc.); and your credit report reflects satisfactory credit prior to the circumstances that caused the default. Make sure you keep good records so you can document all your actions during this time!

  5. Applicants who pursued a short sale agreement on their principal residence to take advantage of declining market conditions and purchase a similar or superior property within a reasonable commuting distance will not be eligible for a new FHA insured mortgage under the reduced timelines.
  6. Income Tax Implication may currently exist for all short sales after Dec 31, 2013. With the change in IRS rules it’s important to know where you stand in the event of a short sale after Dec. 31, 2013. Here’s what Turbo Tax tells us.

    Since a deficiency judgement is popular again, especially now that the original tax break has expired, short sellers face the possibility of lenders chasing them for the deficiency. Make sure your current lender clearly states in writing they won’t be seeking a deficiency. If you can dodge that bullet, short sellers may have to deal with the Feds coming for taxes on that deficiency unless you meet the new IRS rules. If that happens you won’t be eligible for the shorter timelines to get a new mortgage and your tax lien is satisfied. While it seems obvious that any distressed owner considering a short sale should seek legal counsel, many don’t. DON’T BE ONE OF THEM!

    VISIT OUR GREATER EWA BEACH/KAPOLEI AREA

    HOMES FOR SALE LISTINGS

    Livingston Homes for Sale

    FIND HOMES THROUGHOUT EWA BEACH/KAPOLEI HAWAII

    HUD FORECLOSED HOMES IN & AROUND THE GREATER EWA BEACH/KAPOLEI HI

    USDA FORECLOSED HOMES IN & AROUND THE GREATER EWA BEACH/KAPOLEI HI

    FNMA HOMEPATH FORECLOSED HOMES IN & AROUND EWA BEACH/KAPOLEI HI

    FIND MORE FORECLOSURES IN & AROUND EWA BEACH/KAPOLEI

    HAWAII HOME OWNERSHIP TOOLS

    Your Home Purchasing or Refinancing & Renovation Tools,

    Home Improvements, Home Renovations,

    Mortgage Loan Officers, Real Estate Agents & General Contractors

    are ready to assist you with your home purchase.

    Here are just a few of the home improvements

    you might consider with any Home Renovation loan

    Repair or replace a roof

    Install, replace or repair gutters and downspouts

    Replace, repair or upgrade your HVAC system

    Repair or replace plumbing

    Install, repair or replace electrical systems

    Kitchen remodeling (including the purchase and installation of appliances)

    Bathroom remodeling, Full interior painting, Total exterior painting

    Repair or replace a septic system and/or well

    Disability access (wheelchair ramp, elevator, widen doorways)

    Build, repair or replace deck, patio or porch

    Basement waterproofing and finishing

    Abatement/Stabilization of lead-based paint hazards

    Replace old windows, Room additions, Finish an attic

    Add a second story to your home

    Replace a termite damaged sill plate (a water-damaged sill plate also)

    Possible landscaping items such as correction of grading & drainage problems,

    tree removal, repair a driveway and sidewalks

    FHA 203K

    Your Home Purchasing or Refinancing & Renovation Tool

    Mortgage Loan Officers, Real Estate Agents & General Contractors

    are ready to assist you with your home purchase

    FANNIE MAE HOMESTYLE

    The Conventional Alternative to FHA 203K

    Great for Real Estate Investors and Second Home Renovations

    Mortgage Loan Officers, Real Estate Agents & General Contractors

    are ready to assist you with your home purchase

    USDA RURAL DEVELOPMENT

    Up to $10K for Home Improvements, Renovations or a Simple Remodel

    Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

    A SIMPLE HOME SHOPPING INSPECTION TOOL

    Organizing your home shopping experience affords a wise decision-making process.

    This simple home inspection tool makes your ultimate buying decision a smart one.

    To print this document click on “Open in New Window” located at the lower right corner;

    click on “File”; then click on “Print”. In the center of the screen you will

    have the option to “Create A Printable PDF of the Presentation”.

    START YOUR PATH TO HOME OWNERSHIP TODAY

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Aliinui Dr Kanihaalilo St Alepa St Hoomaliu St Kanio St Waipahe Pl Kaniuu St OANIANI ST Oaniani Pl Oaniani St Papaa St Iliohe St Painui Pl INDEPENDENCE LOOP Aukahi Pl Aukahi St Makakilo Dr Welo St Amaui Pl Kapolei Kapolei Pkwy Koio Dr Hulukoa Pl Waakea Pl Nou St Noulu St Kanio St Uahanai Pl Uahanai St Ualakupu St Ualehei St Laahaina Pl Laaloa Pl Laaloa St A Koio Drive S-18 92-1069 Koio Dr Uhiuala St Paakai Pl Paakai St Paala Loop Paala Pl Paaoloulu Way Ulele Pl Aukahi St Koanimakani Pl Koanimakani St Hunekai Pl Hunekai St Koio Drive Luawainui St Kukulu St Nopu Pl Umena St Luawainui St Luakalai St Malamalama St BARBERS POINT NAS Kohea Pl Kohea Way Kohi Pl Kohi St Panana St Saratoga Ave CORAL SEA RD Midway Rd PALALA ST LEXINGTON ST BARBERS POINT NAS Kohupono St KOIO DR Koio Dr Kokole Pl Kokole St Kaiholo St Oaniani St Halahinano St Halahua St Halalani Pl Halana Pl Halana St Luawainui St Liolio Pl ENTERPRISE AVE Hokuimo St Kolili Pl Kolili St ALIINUI Aliinui Dr Kololio St Makahaiaku Pl Makahaiaku St Makahaiwaa Pl Makahani St Makahou Pl Makahou St Koio Drive PALAHIA ST Makakilo Dr Makamai Loop Makamai Pl Lipo St Holomoku St Makeke St Koio Dr Olani St Maulihiwa St  Kikaha St Ohio St HALANA PL Malahuna Loop Malahuna Pl Lehulehu St Oea Pl Hame Place Wahane St Wiliwilihele Pl Lihau St Leimao Pl GUADALCANAL AVE Palahia St Westview and Makakilo Open Sun Leiole St Leipapa Way Auwaea St Kaunaoaula St Makakilo Dr OPUKU ST KAMAAHA AVE Waakea Pl Kaupea St Oloa Pl KAMAAHA AVE WAAULA ST Ahikoe St Ahiwa St Kawaihuna St Waialii Pl KEOKOLO ST Keokolo St Paiaha Pl ALIINUI DR Big Red St Blue Goose St Boomer St Catalina St Dragon Pl Kekuilani Loop Lightning St Neptune St Orion Dr Orion Pl Shark Pl Koio C Drive Uahanai St Aoloko Pl Aoloko St Hokuimo Pl Painiu Pl Kuupau St HOKUNUI ST Namahoe Pl Namahoe St ALIINUI DR Kekuilani Loop Welo St Welowelo St Oawa St Nanahu St ALIINUI DR KEKUILANI LOOP Kekuilani Loop Uahanai St Aliinui Dr ALIINUI DR Aliinui Dr Limukele St Panana st Makahaiaku St MALAKOLE ST KANEHILI ST FARRINGTON HWY HAWEA ST KAKUHIHEWA PL KAKUHIHEWA ST KAKUHIHEWA ST KALEHUNA ST KEKUILANI VLG Kolili St KOWELO AVE KULOA AVE Makakilo Dr Renton Rd WAAULA ST WAAULA ST PANANA ST BOXER ST KAUPEA ST FARRINGTON HWY KAMAAHA AVE Polea St Holomoku Walaau Pl Nemo St Kamaaha Loop Nenelea St Lahi St Pakaweli St Kuhoho St Kukulu Waokele St Waopio Pl Maulihiwa St Kualakai St HOALII ST Kuamu Pl Kuamu St Keawanui St PALAHIA ST Palahia Pl Palahia St Kuea St Palailai Pl Palailai St Palala St LANAKOI ST Kinoiki St Palaulau Pl Akaawa Pl Akaawa St Kuipuakukui St Kakala St Akaula Pl Akaula St Nihopeku St Holoimua Pl Holoimua St Holomoku St Pilipiliula Pl Pilipono St Kulike Pl Kuhoho St Haulele St Makahaiaku St Oaniani St Akolo Pl Akolo St KUHOHO ST Mamaka St Makahaiaku St Oaniani St Kinohi Pl Hauone Pl Hauone St Kumuiki St Kumulipo St Kunehi St Kunehi St Kupanaha Pl Elele St Waokele St Wahane Pl Wahane St Wahinoho St Wahipana St Waialii Pl Manawai St Kuhoho Pl Hame Pl Hame St Alaa St Napoo St Holunape St Waiko Pl Waikoloa Pl Kewai Pl Manauea Pl Hiluhilu Pl Hiluhilu St Manawai St Kiowainui Pl Kiowao Pl ELELE ST Elele Pl Wainohia Pl Elele St Wainohia St Wainohia Way Aliinui Dr Limukele St Elemika Pl Moaka St Uahanai St Waiomea St WAIPAHE PL Manawai St Alahoi St Mehani Pl Mehani St Wakamalii Pl KEKEPANIA PL G Koio Dr Koakoa St Kikaha St KAMAAHA AVE Kekepania Pl KAMAAHA LOOP KEKUILANI Mekila St Kelau St  Franklin D Roosevelt Ave Kakala St Puahiohio Pl Puahiohio Way Puainako St Bougainville Ave Bougainville Pl Guadalcanal Cir Hihialou Pl Kamaaha Ave MAKAKILO DR Puamaomao Pl Wakea St Puanihi St Puanohu Pl Puapake St KAMAAHA AVE Hawea St Ohio St Oaheahe Pl Oaheahe Way Oahi Pl Pueonani Pl PUEONANI ST Pueonani Way Oi Pl Opio Pl Lalahi St Opuakii Pl Opuakii Way KAMAAHA AVE Opuku St Okaa St KAMAAHA AVE Ipolani St Pukaua St Hihialou Pl Kikaha St Hoakalei St Kikiao St Papaa St Hoalii Pl Hoalii St Hoanaulu Pl Koio C Drive HOANU ST Puliko Pl Puliko St FARRINGTON FARRINGTON HWY Olani St Aliinui Dr Helena St Punawainui St Peekaua St Welo Street Subdiv Kukulu St Aahualii Pl Aahualii St Kakala St Kaana Pl Kaana St Kaaoao Pl Kulihi St Hoea St Hoewaa Pl Kahanalei St Kahea St Peleiake Pl Welo St Louluhiwa Pl Loululelo Pl AUKAHI ST Kaiau Ave Kaiaulu Pl Kaiaulu St Nohohale St Nohona Pl Nohona St Nohopaa St Nohopono St Ihee Pl Ihi Pl Paakai St Lanakoi St Kaapuwai Pl Kaapuwai St Kahalepouli St Manawai St KAMAKAHELEI Kamakahelei St Kamokuiki St KANEONEO Kaneoneo St Kealiiahonui St KEKAHILI Kekahili Pl Kekahili St Kinoiki KUMAAIKU Kumaaiku St Kaiau Ave Owakalena St Kikaha St Lauia St Kakala St Kakala St Kakala St Kakoo Pl Kakuhihewa Pl Kakuhihewa St Awaawahea Pl Awaawahea Way Awawa Pl Awawa St Awela St Iliohe St Aweuweu Pl Koio Drive Hoike Pl Hoike Way Hoina Pl KAMAAHA AVE Kalehuna St Kuehu St Kalemakapii St Kaleo Pl Kaleo Way Hanapaa St Hokuaukai Pl Hokuaukai Way Hokuimo Pl Hokuimo St Hokunui St Hokupa St Hokuwekiu St HOKUWELA ST Hokuwela St Newa Pl Newa St Panana St Panana St Panana St Kohi Pl

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