WeCallYourBank.com

We realize homeowners lost $74,850 in equity since 2006, as seen here. http://mnhouse.notlong.com. We also realize their are now many reasons to sell your house as the market is not expected to go up anytime soon.  We are a short sale company that negotiates short sales In Minnesota for many agents. We are the preferred choice, please contact us today to see how we can help you with your housing situation.  There are still great answers even in this economy.

http://www.wecallyourbank.com/100reasons.pdf

Agents should give us a call to outsource your short sales. Most agents negotiate short sales just to make a listing commission and they spend hours and hours with paperwork and dealing with banks. Many agents never solve the 2nd lien problem of the 2nd owing too much to close. Agents will often just release the 2nd lien on the property just to close the transaction. Meanwhile it’s very possible the 2nd lender could come back after the seller for a deficiency years later, as well as wage garnishment we have research to show this.
We are a 3rd party short sale negotiator. We can let agents get paid their commission, plus we take over the negotiation with the bank, and we get paid by the bank for all of this. Also we figure out how to get a satisfaction with the lender on the 2nd through a unique method of bringing enough money to the table. This will more likely release the agent and sellers of future liabilities. This is highly recommended. We will make you more efficient which will save you a lot of time, which will make you more money and be best for your client. You should come to our office and meet with us to discuss the possibilities, we have a great system in place for negotiating.

Most realize that the housing market in Minnesota went up a lot from about 2002 to 2006. Reports show from June 2006 through 2009, the Minnesota housing market went down $74,850. This put many home owners under water and over-financed. After homeowners realize they are under water they realize the market is very low and their loan could take years to pay off. This is the point in which they consider a short sale vs. a loan modification. Many want to hang on with a loan modification, but even when it’s time to sell later on, the sellers will find themselves over-financed. The important date that comes into play is the year ending in 2012 when an important tax law ends with the IRS. This is why it’s important to sell before 2012 because the IRS has favorable tax incentives instead of a 1099, if you qualify. Please consult a CPA. Many realize that it would take years for the market to go up that $74,850 that has been lost for most in equity since June of 2006, so please give us a call to understand the full picture.

Sometimes it feels as if you are playing tug-o-war with your bank. All of the calls, emails, faxes, paperwork and still no answers. You have tried for months to work with them. You may be facing a hardship. You may have lost a job. Why are the banks being so difficult you are wondering. It helps to have someone call them that does this full time and for years. We know the name of the people to call and in which department to call. Many times loan modifications end up with higher payments or defaulting, so we always recommend you give us a call to analyze your situation, and to see how we may assist you with your home situation.

If you spend any time reading the website www.patrick.net, you know that the housing market is only getting worse, and that we will likely see a wave of foreclosures for 3-10 more years at a very high rate. This is due to a number of circumstances. This includes ARM’s adjusting, FHA being considered the new subprime with high default rates, and than also the baby boom demographic shift flooding our housing market with inventory over the next 10-15 years. There is an important IRS tax law ending in 2012, so it’s recommended that you sell before 2012. Also you should sell sooner than later since you don’t want to compete with all of the other foreclosures.

Many home borrowers homes went down over the last few years.
We can show you research that shows MN homes went down $74,850 since June of 2006. Articles in the New York Times state 1 in 4 borrowers in America owe too much on their home. Based on these stats it’s clear that many now feel over leveraged, underwater, and over-financed. If you feel this is you, or if you need to find out the value of your house to see if you are over financed, please call 612-234-5502. We can do a market analysis for you. From there, we will determine if a short sale makes sense for you. If you don’t have equity, and or if you are about to be behind on payments, it’s likely you do need to do a short sale.

I am giving myself 100 Reasons why I am selling and leaving my house behind

1. I am selling, and leaving because I am realizing Homeowners lost $74,850 in equity since 2006!
http://mnhouse.notlong.com

2. I am selling, and leaving because I am likely the 1 in 4 borrowers owing too much
http://wallstreetjournalnews.notlong.com

3. I am selling, and leaving because I am using the helpful IRS tax law before the 2012 deadline
http://irstax.notlong.com

4. I am selling, and leaving because I now know most loan mods won’t reduce my mortgage balance, this is my true problem

5. I am selling, and leaving because I now know loan mod qualifications will require too strict of guidelines, like 31% debt to income

6. I am selling, and leaving because I now know I don’t want banks asking me for a ton of paperwork when I attempt a loan mod

7. I am selling, and leaving because I now know too much of my research tells me loan mods rarely ever work out

8. I am selling, and leaving because I have now heard that many loan mod programs like HAMP are just trials

9. I am selling, and leaving because I now know that If I am unemployed I am unlikely to get approved for a loan mod

10. I am selling, and leaving because I now know that if my spouse becomes unemployed, together we’re unlikely to get a loan mod

11. I am selling, and leaving because I now know that with unemployment rising, I am needing a much cheaper house payment

12. I am selling, and leaving because I now know the foreclosure process has limited time, I am running out of time for a loan mod

13. I am selling, and leaving because I now know with rising fuel costs, I am needing a much cheaper house payment

14. I am selling, and leaving because I now know with rising grocery costs, I am needing a much cheaper house payment

15. I am selling, and leaving because I now know with rising insurance costs, I am needing a much cheaper house payment

16. I am selling, and leaving because I am now relieved knowing that landlords will rent to me with a short sale, or bad credit

17. I am selling, and leaving because I am now understanding many people sell their home and save their credit cards

18. I am selling, and leaving because I am now understanding it’s unlikely the housing market will recover over 25% anytime soon

19. I am selling, and leaving because I now understand I need a cheaper house payment with minimum credit card payments rising

20. I am selling, and leaving because I now need a cheaper house payment with credit card companies taking away credit lines

21. I am selling, and leaving because I now know getting a refinance while behind on payments is not likely to happen

22. I am selling, and leaving because I now know that my refinance appraisal will likely be too low in this market to get financing

23. I am selling, and leaving because I am now understanding that 3rd party loan mod companies charge thousands upfront

24. I am selling, and leaving because I am now understanding it’s not legal for an investor to save my home and lease back to me

25. I am selling, and leaving because I am now know loan mod and short sale opportunities further decrease after the sheriff sale

26. I am selling, and leaving because I am now understanding that you can rent a house at a fraction of the payment I now have

27. I am selling, and leaving because I now know The Mortgage Forgiveness Debt Relief Act and Debt Cancellation ends in 2012

28. I am selling, and leaving because I am now convinced enough is enough, I am tired of being stressed out, I am now ready to relax

29. I am selling, and leaving because I am now understanding you have a CPA that I can talk to about my specific situation

30. I am selling, and leaving because I am now understanding that I am only putting good money after bad

31. I am selling, and leaving because I am now understanding that not selling can delay divorce or put a strain on it

32. I am selling, and leaving because I am pleased to know that I likely can get home financing only 2 years after a short sale

33. I am selling, and leaving because I now know 43% of 2009 sales were short sales & foreclosures
http://shortsales2009.notlong.com

34. I am selling, and leaving because I now know Califonians’ homes may take 60 years to recover
http://60years.notlong.com

35. I am selling, and leaving because I now know and trust that selling on a short sale is what most people are doing

36. I am selling, and leaving because I know loans originally were qualified with a lack of paperwork, now they will require a lot

37. I am selling, and leaving because I know that keeping the house and trying a loan mod may stop me from rebuilding my credit

38. I am selling, and leaving because I now know that strategic defaults and planned short sales are becoming very popular

39. I am selling, and leaving because I now know that I have to get approved for a loan mod the ARM payments are too much for me

40. I am selling, and leaving because I know my payment may increase http://foreclosurenightmare.com/loan-modification-risks.pdf

41. I am selling, and leaving because I know that I may be owing too much for the Obama adminstrations loan modification plan

42. I am selling, and leaving because I know that many loan mod programs start the amortization process all over again

43. I am selling, and leaving because I know my research shows a high percentage of approved loan mods end up back as defaulting

44. I am selling, and leaving because I know it is likely I will always feel this stress of making too high of a payment unless I sell

45. I am selling, and leaving because I am now understanding from research that loan mods can take 3-6 months of hard work

46. I am selling, and leaving because I am now understanding short sales reduce my principle balance whereas loan mods may not

47. I am selling, and leaving because I am now believing my bank gave me bad loan terms the first time, and maybe they will again

48. I am selling, and leaving because I now know banks can use my submitted financial info later for judgments & garnished wages

49. I am selling, and leaving because I now know I will need to move years before my house will recover all of the lost equity

50. I am selling, and leaving because I now know negative equity is an anchor holding me back in life, I will sell on a short sale

51. I am selling, and leaving because I now know keeping my house is only delaying the inevitable, There’s is a time to cut my losses

52. I am selling, and leaving because I now understand that I will have negative equity even after the loan mod is complete

53. I am selling, and leaving because I now understand that interest savings is minimal compared against my lost equity

54. I am selling, and leaving because I now understand I will have to make more calls than I want to, to follow up with my bank

55. I am selling, and leaving because I now understand that I may sign the wrong paperwork, or make a mistake if I try on my own

56. I am selling, and leaving because I now undertand research shows most believe house prices will continue to fall

57. I am selling, and leaving because I am now understanding that when house prices keep falling I will need a cheaper payment

58. I am selling, and leaving because I am now understanding health insurance is rising; I am needing a cheaper house payment

59. I am selling, and leaving because I am understanding taxes will go up with the bailouts; I am needing a cheaper house payment

60. I am selling, and leaving because I now know that my timing to sell is right now when the buyer assistance programs do exist

61. I am selling, and leaving because I now know commercial real estate is foreclosing causing more job losses, I need to sell now

62. I am selling, and leaving because I now know millions more foreclosures are coming soon; I need to sell with less competition

63. I am selling, and leaving because I am understanding that selling relieves my stress and keeping my house add to it

64. I am selling, and leaving because I know that if I need to move out of state or down size that I need to sell my house

65. I am selling, and leaving because I know that if my family is growing I will need a bigger house

66. I am selling, and leaving because I now know that I am out of time for the repairs I want done now

67. I am selling, and leaving because I now know that I am out of money for the repairs I want done now

68. I am selling, and leaving because I am understanding that getting a home equity loan for repairs is too difficult

69. I am selling, and leaving because I am understanding 1 of 2 small costs when selling a short sale is my association dues

70. I am selling, and leaving because I am understanding 1 of 2 small costs when selling a short sale is a truth and housing inspection

71. I am selling, and leaving because I am now understanding that the baby boom segment will force more inventory onto the market

72. I am selling, and leaving because I now know that many banks may not look out for me
http://citibankloan.notlong.com

73. I am selling, and leaving because I now know that the timing to sell is now before interest rates go up for the buyers

74. I am selling, and leaving because I now know that you’re able to get early offers into my bank quickly and speed up the process

75. I am selling, and leaving because I now understand that you could possibly be the initial buyer for my home, if I ask

76. I am selling, and leaving because I now understand that you will handle all of the negotiating of my home selling process

77. I am selling, and leaving because I now understand that you are willing to do a quick free evaluation of the value of my home

78. I am selling, and leaving because I am undertanding that you will list my home which is
necessary to sell

79. I am selling, and leaving because I now understanding that you are removing stress from my life and not adding to it

80. I am selling, and leaving because I now know that you handle all of the paperwork, follow up and phone calls

81. I am selling, and leaving because I now know that you make your money from the bank instead of me

82. I am selling, and leaving because I now know that you are on my side when my bank has a different planned agenda

83. I am selling, and leaving because I now know that I can call you any day 612-234-5502

84. I am selling, and leaving because I now know that I can leave you a voicemail any day 612-234-5502

85. I am selling, and leaving because I now know that I can text you any day 612-234-5502

86. I am selling, and leaving because I now know that I can email you with any questions i have
ssagmn@gmail.com

87. I am selling, and leaving because I now know I can call you for a short sale if I haven’t started a loan mod yet 612-234-5502

88. I am selling, and leaving because I now know I can call you about a short sale even if I already started a loan mod 612-234-5502

89. I am selling, and leaving because I now know I can call you about a short sale even if I am done with a loan mod 612-234-5502

90. I am selling, and leaving because I now know you do 100’s of short sales and no who to talk to at the bank 612-234-5502

91. I am selling, and leaving because I now know I can call one of your experienced short sale agents to help me sell 612-234-5502

92. I am selling, and leaving because I now know that bankruptcy will only slow down my foreclosure at best

93. I am selling, and leaving because I now know you have a financial planner that can talk to me about bankruptcy

94. I am selling, and leaving because I now know that your company usually succeeds in getting satisfactions with both lenders

95. I am selling, and leaving because I now know you will do all that you can to help me avoid wage garnishment

96. I am selling, and leaving because I now know you have a secret way to avoid painful future deficiency judgments

97. I am selling, and leaving because I now know you’ll do your best to help me to avoid being liable for a signed
promissory note

98. I am selling, and leaving because I now know you’ll help me avoid the mistake most agents make by releasing the lien just to sell

99. I am selling, and leaving because I now know you are pleased to provide me many happy customer testimonials if I ever asked

100. I am selling, and leaving because I now know I can sell and feel good about leaving my house behind, I’ll call you 612-234-5502

Think you owe too much on your mortgage?
Call 612-234-5502

Short Sale = Sell BEFORE 2012 = NO Taxes owed
Loan Mod = Sell AFTER 2012 = Big IRS Taxes Owed
Late IRS taxes = late fees,interest,penalties,liens,bank levies,wage garnishment

IRS tax law (ENDS in 2012)
http://irstax.notlong.com

We could buy your house AND negotiate the short sale!
Call 612-234-5502

WARNING!!! GIGANTIC IRS tax bill could haunt YOU after 2012!
With recurring late fees,high interest,penalties,liens,
levied bank accounts,wage garnishment,or worse!

IRS retiring helpful law, end of 2012!
http://irstax.notlong.com

FACT:1 in 4 homeowners owe too much on their house!
http://wallstreetjournalnews.notlong.com

FACT:Homeowners lost $74,850 in equity since 2006!
http://mnhouse.notlong.com

Solution:
We could buy and negotiate your house all in one!

Call Now!
612-234-5502

We often hear of homeowners trying to get loan modifications done for months and months, with tons of phone calls, faxes, emails, mail, etc only to not get the loan modification done.
Sellers become frustrated and tired of trying so hard. We often point out that the lender didn’t give you a good loan the first time, that’s why you are in this situation what makes you think they will give you a good loan this time, their history doesn’t show they will.

We believe the bank will do what’s in their best interest, please call us and we’ll help you with your housing situation, we are here to help, and we talk to hundreds of homeowners per month.