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The Joe Niece Team....The Results of Experience

St Paul Hillcrest Foreclosure Information and Advice. Let us help you now, Call us at 612-305-8487.

E-mail Joe Niece about your situation


Foreclosure Information

Are you a possible For Sale by Owner that needs to sell but your home is upside down? We can list, sell and negotiate the short sale of your home and your bank will pay our commission. As Minnesota's Short Sale specialists, we have worked with every lender in Minnesota including yours, and they have paid our commission every time.
Minnesota For Sale by Owner Costs and Information?
Don't do this by yourself. We can help you if you are willing to call 612-508-4100.

Would you like to find out what chance you have of being successful doing a short sale with your lender?
Calculate your chance of a successful short sale

I keep hearing that the bank wants my home so they are going to push me into a St Paul Hillcrest Foreclosure. This is just not true, the bank does not want to make you a St Paul Hillcrest foreclosure. Banks want to do everything they can in most cased to make sure you are not a St Paul Hillcrest foreclosure. They would much rather have you do a St Paul Hillcrest Short Sale then end up as a St Paul Hillcrest Foreclosure.

I also hear people saying I received a St Paul Hillcrest Foreclosure notice; I have to move out by the Foreclosure sale. In Minnesota, you are now a St Paul Hillcrest pre-foreclosure. You will not be a St Paul Hillcrest Foreclosure until six months after your Sheriff's Sale.
If you do not sale your home, bring your home current or redeem it then you will be a St Paul Hillcrest Foreclosure and you will need to leave.

Remember, If you have enough equity in your home, typically 60%-70%, there is a chance that you could still sell your home. Contact a St Paul Hillcrest Foreclosure Expert like Joe Niece at 612-305-8487. He can point out other options other then St Paul Hillcrest Foreclosure.

It you want to buy another home in the future, it is important for you to do something versus letting your home go into foreclosure. In some cases, you will be able to buy a home in half the time if you short sale you home versus letting it become a St Paul Hillcrest Foreclosure.



Minnesota Short Sale Information

Learn More about St Paul Hillcrest Short Sales

Minnesota Short Sale Hardship LettersMinnesota Shortsale Hardship Letter Samples

Let a St Paul Hillcrest Minnesota Short Sale Expert help you now, Call Joe Niece at 612-305-8487.

E-mail Joe Niece about your situation

Search every listing of every home for sale in St Paul Hillcrest Search St Paul Hillcrest MLS Listings



HAFA or Home Affordable Foreclosure Alternatives Program

Do You Qualify?

The Home Affordable Foreclosure Alternatives (HAFA) Program is the governments program to help homeowners avoid foreclosure.

HAFA gives incentives to lenders and $3000 to homeowners to allow and complete a short sale or deed-in-lieu of foreclosure.

Use the tool below to determine your eligibility:

Section 1 HAFA Questionaire


Is your loan owned or guaranteed by Fannie Mae or Freddie Mac?

Is the property your principle residence?

Is the Mortgage a first mortgage that closed before Jan 1 2009?

Have you missed payments or will you soon miss a payment?

Is your current unpaid balance less then $729,751?

Do your total monthy mortgage payments exceed 31% of your gross income?

Section 3 Borrower Information

Main Mortgage Borrower Name:

Home Phone Number:

Email Address:

Mortgage Property Address:

City                                          State, Zip Code
   

 

Please press only once.


HAFA Homes Affordable Foreclosure Alternative