"Experience Proven Foreclosure Help Backed by Our $2000 Guarantee!"

 

WHAT WE DO - BETTER THAN ANYONE ELSE

We're here to help you address the debt and explore options to prevent foreclosure. We specialize in foreclosure defense and offer consultation on strategies for retention, liquidation, or other solutions to save your home. We are committed to working towards the dismissal of your foreclosure case.

BACK STORY - UNPARALLELED EXPERIENCE 

Introducing a dynamic partnership: Edward Goldfarb, a seasoned Realtor with 34 years of experience, and Deborah Franza-Cowart, a real estate industry insider, have built an exceptional reputation for securing Loan Modifications, Foreclosures With Equity, HOA Foreclosures and Short Sale approvals. Edward, an expert with five Distressed Property Designations, including the CDPE (Certified Distressed Property Expert). Since 2007, Edward has been recognized in prominent publications such as USA Today, Miami Herald, Fort Lauderdale Sun Sentinel, and Palm Beach Post Times. His expertise in assisting distressed property homeowners has led to interviews with National Public Radio and numerous articles, including the influential ‘White Paper Foreclosure Wars.’ Edward has also contributed as a panelist on various national and regional Distressed Property Forums..

Deborah also holds the prestigious CDPE Designation and years of success in helping client's avoid foreclosure. In addition to a photographic memory she has a Master’s Degree and Ph.D. in Clinical Psychology.  Deborah is a brilliant negotiator and mediator, with an in-depth understanding of lender regulations and exclusive proprietary contacts with most banks. Her impressive network includes executive office contacts, vice presidents, managers, as well as back-line phone numbers and email addresses, reflecting her trusted relationships with key decision-makers.

Edward and Deborah form an extraordinary team. Edward’s accuracy in home pricing and marketing savvy, honed from a 15-year career as Director of Advertising and Sales Promotion at major companies like AutoZone, Jewel, and SuperValu Stores, perfectly complements Deborah’s extensive contacts and negotiation prowess. Their collaboration is renowned for its success in the real estate sector.

Since 2007, Edward and Deborah have cultivated a formidable team of professionals, ready to step in whenever their specialized expertise is required. Whether it's a title company, foreclosure defense , bankruptcy, probate, litigator or real estate attorney, they've established excellent relationships that their distressed property homeowners can readily access.

Loan Modification: Loan Reinstated Payment Modified - Forbearance: Temporary Suspension of Payments - Short Sale: Bank Approved "Short Payoff" On Your Loan - Bottom Line: Why Needlessly Suffer the Financial Devastation, Stigma and Embarrassment of Foreclosure?

$2000 Guarantee - Long List of Proprietary Bank Contacts - Bank, HOA/Condo Foreclosures

CALL 954.605.8427 - 365/16/7 or EdGoldarb@Realtor.com

Since 2007, we have proudly sustained an impeccable track record, ensuring that not a single one of our clients' homes have gone to the foreclosure auction. Our Loan Modification** and FEE-FREE Short Sale services are backed by 17 years of expertise in successfully negotiating these complex financial processes. Thanks to our comprehensive network of proprietary contacts with nearly every bank, our submissions are consistently recognized for being clean, concise, and error-free.

We firmly uphold our commitment to safeguard your home from the foreclosure auction, offering an UNCONDITIONAL AND UNPRECEDENTED $2000 GUARANTEE to underscore our promise.

**Please note: With Short Sales, the bank pays all our fees including real estate commission and closing cost.  Loan Modification fees are minimal and vary based on each homeowner's unique situation.

 

 

Consultation Is Free-Advice Priceless

CALL 954.605.8427 - 365/16/7 or EdGoldarb@Realtor.com

Each Short Sale and Loan Modification is unique, standing out based on its individual circumstances. No two are identical or even alike. We specialize in assembling a comprehensive package, including key elements such as financial statements, a hardship letter, and a Request for Mortgage Assistance (RMA), IRS 4506T which are crucial for your bank. Our consultation is deeply personalized, catering specifically to your distinct financial, hardship, and property situation. You'll gain insight into the advantages and disadvantages of each option available to you. The call is FREE, and the advice is PRICELESS!

It's only going to require a few minutes of your time with a meeting in our office or a phone consultation to review the particulars of your case and situation. During the consult, you will received an immediate assessment and the best course of action to successfully resolved the case and put you on the road to a successful resolution.

 

Accurate Property Market Analysis Is critical To Your Success

CALL 954.605.8427 - 365/16/7 or EdGoldarb@Realtor.com

Navigating Short Sales and Loan Modifications can be highly intricate, involving numerous variables. Each lender has its own set of rules and criteria, and it's uncommon for us to encounter a lender we haven't previously dealt with. An inexperienced negotiator or processor in Loan Modifications and / or Short Sales can lead a homeowner with distressed property on the path to the foreclosure auction. With Short Sales, perfect home pricing is crucial. It takes years of experience to correctly price a home. Priced too high it will not sell, to low will ensure the short sale will be disapproved.

There is a national re-occurrence of foreclosure cases consequently, and with it there has also been a proliferation of classes teaching newbie's how to work with the banks in processing distressed properties. They not only price the properties incorrectly they don't know what the bank's MNP (Minimum Net Proceeds) to approve the sale.

 

Frequently Asked Questions

How Long Does It Take For My Credit To Go Back Up?

Everyone is different, but generally the homeowner's credit is restored in about a year after the Loan Modification is approved or the closing of the Short Sale.

What Are the Ramifications of Letting My Home Be Foreclosed?

1. Your lender can seek a deficiency judgement for any amount they do not recuperate.

2. You will be responsible for any deficiencies after the foreclosure sale for an indeterminate period of time and can land you as the foreclosed home owner in a never ending collection cycle.

3. You will always have to disclose that you have had a foreclosure on credit applications in the future. THERE IS NO 7 YEAR LIMIT ON THIS ITEM!

4. Your credit score will be lowered by 300+ points. This is the most devastating issue on your credit report.

5. A foreclosure is the one credit report item that is almost impossible to have repaired.

6. Many employers run credit reports. A foreclosure can put a potential hire in jeopardy.

7. Security clearances: government, military and law enforcement can be jeopardized by foreclosure .

How Long Is the Process?

A great benefit for our clients is that the process can take three to six months or more. During this time, your Loan Modification might be approved, and if not, a Short Sale is your best alternative. With a Short Sale, clients stay in their homes while saving for their next move.

With 99% of our Short Sale approvals Deborah negotiates a FULL WAIVER OF DEFICIENCY with the bank forgiving all remaining debt plus relocation assistance ranging from $3,000 to $10,000.

Why Don't Other Companies Guarantee Their Success?

CONFIDENCE IN SUCCESS THAT SETS US APART!

While numerous companies offering Short Sale and Loan Modification services, a lack of true expertise often hinders results. Many real estate agents, title companies, law firms and others dealing with Distressed Properties may unknowingly fall short.

These processes are intricate and time-consuming, and the failure rate is high due to lack of proprietary contacts, inexperience and unfamiliarity with lender policies and regulations.

PERSISTENCE! When faced with a denial letter, others give up—but for us, it signals the need to work harder and stand firm. We're proud to offer unmatched success rates, and unlike others, our confidence in our abilities allows us to guarantee successful outcomes.

What Documentation Is Required?

We do it ALL and hold your hand throughout the entire process. Our services include: Helping client's enter the correct and accurate information on the RMA (Request For Mortage Assistance), Financial Worksheet, Bank Statements, Tax Returns. IRS Form 4506T and, most importantly, a compelling Hardship Letter.

Definitions of the Three Alternatives To Foreclosure

 

Short Sale: A short sale occurs when a homeowner sells their property for less than the outstanding balance on their mortgage. The lender agrees to accept the sale proceeds to release the lien on the property, often due to the borrower's financial hardship. This can prevent foreclosure and is negotiated with the lender's approval. The homeowner may still be responsible for any remaining debt, unless specifically forgiven by the lender.
 
Loan Modification: This involves a lender altering the terms of an existing mortgage to make payments more affordable for the borrower. Modifications can include reducing the interest rate, extending the loan term, or changing the type of loan. The goal is to help the borrower avoid foreclosure by adjusting the mortgage to better fit their current financial situation.
 
Forbearance: Forbearance is an agreement between the lender and borrower to temporarily reduce or pause mortgage payments due to financial hardship. During the forbearance period, the borrower is typically not subject to foreclosure, although interest may continue to accrue. Once the forbearance period ends, the borrower must resume regular payments and arrange to pay back the missed amounts, sometimes through a repayment plan.
 
Deed in Lieu of Foreclosure: This is a transaction where the homeowner voluntarily transfers the property title to the lender to satisfy the mortgage debt and avoid foreclosure. It can be a viable option if there are no other liens on the property. The lender may release the borrower from the responsibility of the remaining debt, but it's essential for the borrower to confirm this as part of the negotiation to avoid lingering liability.
 
Each of these options has implications for the borrower's credit score, tax situation, and ability to obtain future financing, so it's crucial for homeowners to consult with us to help you decide which is your best alternative.

 

 

 

 

Contact us

Reach out to us for a free consultation and take the first step towards your guaranteed short sale approval.

Edward Goldfarb, Realtor                                                                                                             United Realty Group                                                                                                                  954.605.8427 Call: 365/16/7                                                                               edgoldfarb@realtor.com

 

$2000 Guarantee Program is an exclusive Edwar Goldfarb offer and NOT United Realty Group or any affiliates.