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

Minnesota Afton CDPE Certified Distressed Property Expert. Let us help you now, Call us at 612-305-8487.

E-mail Joe Niece about your situation

What is a Minnesota Afton CDPE?

A Minnesota Afton CDPE is a trained professional with specific understanding of the issues confronting the Afton Minnesota real estate market, home owners needing a Afton Short Sale, and anyone that is in a distressed financial situation.

The issue that distressed homeowners need to realize is that being a Minnesota Afton CDPE does not mean that you can help a homeowner successfully navigate a Minnesota Afton Short Sale. I believe that the minimum allowable experience should be a CDPE certification with additional successful short sale experience.

Most Afton Minnesota homeowners that are selling are in financial distress, owe more on their home then it will sell for and do not have a choice to wait it out. If you are one of these homeowners, you need to have an agent with training, experience and a successful track record. In addition, you Minnesota Afton CDPE should have a experienced CPA that specializes in short sale and foreclosure tax issues and an attorney that can give legal opinions once the short sale is negotiated.

I have put together a specialized group that has over 20 years of Afton Minnesota Short Sale experience. I have developed a relationship with a CPA that has specialized in tax issues associated with Minnesota Short Sales, Minnesota Foreclosures and Insolvency for many years. I have an Attorney that is available for questions, who reviews our short sale approval letter and give our homeowner his legal opinion at no cost to them.

As a Minnesota Afton CDPE I have receive comprehensive training in all aspect of Bank Negotiation, loss mitigation and short sale options. I have been working with Afton homeowners and lenders to short sale homes that are upside down for years and our team of professional has worked on almost 1500 short sale files.

My Minnesota Afton CDPE Training combined with my real life real estate experience give banks and distressed homeowners the best chance of coming to a win-win situation.

The thought of a going through a Afton foreclosure will be financially and emotionally devastating, and often homeowners proceed without guidance of any kind.

Even worse, some homeowners do nothing and allow their homes to go into foreclosure. This leaves them facing exclusion from future home ownership for many years, deficiency judgments from junior lien holders and higher costs to borrow money for 2-3 times longer then a short sale would have impacted them.

Most housing agencies believe that the best course of action for a homeowner in distress is to speak with a well-informed, licensed real estate professional. They have the tools needed to help homeowners find the best solution for their situation. Often, when other options have been exhausted, Minnesota CDPE's can help homeowners avoid foreclosure through the efficient execution of a short sale.

Afton Minnesota CDPE's do more then assist in selling properties, they provide a service to real estate clients at a time when they are needed the most.

Let a Afton Minnesota Short Sale Expert and Afton Minnesota CDPE help you now, Call Joe Niece at 612-305-8487.

Learn More about Short Sales

Minnesota Short sale Hardship Letter Samples

Let a 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 Afton Search Afton 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 Questionnaire

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 monthly 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