Are you behind on mortgage payments?

Is your home worth considerably less than what you owe?

Have you been denied a "reasonable" loan modification from your lender?

If you answered yes to any of these questions we want you to know you are not alone. Unfortunately, nearly 60% of homeowners who purchased a home in the last six years in the greater Sacramento California area (Sacramento, Placer, El Dorado & Yolo counties) are in a similar financial predicament.

Stress, depression, embarassment, guilt and denial are all common traits shared by this group of homeowners. Unfortunately these emotions often keep these individuals from seeking out the best solution for their family. We're here to tell you that homewoners facing foreclosure DO HAVE OPTIONS. Options that can potentially save your home or at least save your credit.

One available option is a short sale. A Short Sale allows the cash-strapped seller to pay-off the mortgage loan, even though the home's sale price is lower than what is owed on the property. Short sales have become a win-win solution for both the home sellers and their lenders. The homeowners are able to avoid foreclosure's devastating damage to their credit and are often eligible for another mortgage loan AFTER ONLY 2 YEARS. The lenders, with pressure from the government, just recently announced that short sales are a preferred solution to foreclosing on a home.

Dave Hallauer of Re/Max Gold Sacramento has earned the prestigious Certified Distressed Property Expert (CDPE) designation, having completed extensive training in foreclosure avoidance and short sale negotiating techniques. With an in-depth understanding of market conditions, Dave is uniquely qualified to advise homeowners on available options and help them with the appropriate solution for their individual situation. Don't risk your financial future and the potential sale of your home with a real estate agent who does not have the training and experience that comes with the CDPE designation.

"Helping our neighbors on the verge of foreclosure is our way of giving back to the local community and economy. Whether you are seeking assistance with a Loan Modification, information on a Short Sale or just need some solid financial advice... ALL of our foreclosure avoidance services are free of charge." - Dave Hallauer, CDPE