A minimal reduction on your credit score. Normally only 50 to 60 points, and may allow you to purchase a new home in as little as 2 years.

If there is a foreclosure date set, Our Short Sale help and methods will extend the
foreclosure date, providing you a longer time in your home.

If there is any potential deficiency, we have the ability to negotiate away the deficiency form
the bank at closing.

Attempting a Short Sale via the traditional method is very difficult. There are seven to eight
parties involved in a traditional short sale all negotiating their own interests. (Using Saving
Arizona Homes, there are only three parties; Our Team, you as the seller, and the bank).

With an equity line of credit, you may have a deficiency to the bank and possible tax consequences. A Realtor as the only person watching out for you can put you at risk, as
the laws are very cumbersome and should only be advised by Attorney’s and CPA’s.
(Our Team of Attorney’s and CPA’s analyzes your situation appropriately).

Reduction of the interest rate, extension of the term, and/or reduction in principle of the loan
balance. Call Saving Arizona Homes loan modification experts to see if you qualify for a modification on your mortgage.

Reduce your Monthly payments by getting a 5 year interest rate reduction as low as 2%
and stop the foreclosure.

The requirements are very strict and very few applicants actually get approved.

Principle balance reductions are as rare as a $2 bill, so your house will still be underwater on your mortgage.

It may take from 10 to 25 years before you have any hope of your house being worth what
you owe…Click here to run the numbers through our BREAK EVEN CALCULATOR

You are HAND CUFFED to the house, if you have a job change out of state, or your family
needs to grow or downsize…this is no longer an option because your house is so far
upside down.

If your mortgage payment is low enough that market rent will provide you with additional cash flow above and beyond your mortgage payment. Call Saving Arizona Homes to find out current market rates in your area.

Keep title to your property and have additional cash flow over the term of the loan.

Save your home from foreclosure and any tax benefits to having a rental.

Maintenance issues and vacancy issues often dissuade people from renting a property.
Also, if a property is so far underwater that it would take 15 years or more to come back
to a value where it would sell for what is owed, it is better to sell the home.

You’re a landlord! - Fixing toilets is not fun!

Houses are almost NEVER rented 100% of the time so you still may have to make the
FULL mortgage payment 2-3 times per years.

Can a bankruptcy stop a foreclosure? Yes, bankruptcy is an option if you have equity in your home. If there is no equity it will only stop bank foreclosure for two to three months until the bank is allowed by the bankruptcy trustee to foreclose on the home.

With a large amount of non-mortgage debts, bankruptcy is usually the best way
to get a Fresh Start.

Wipe ALL your debt away and start fresh.

Bankruptcy can be costly and only provide a Band-Aid to a foreclosure issue.

Bankruptcy usually causes lenders to Foreclose.

Huge negative impact on your credit score.

Bankruptcy and Foreclosure are Public Records that will exist as long as the county where
you reside keeps them (Maricopa county goes back to the 1970’s) and report on your
Credit Report for up to 10 years