Free List Of Homes in Your Neighborhood-Hilton Head Island/Bluffton/Sun City

Thinking of selling Your Home now, in the near future, or are you just curious about the values in your neighborhood? Our FREE interactive report will show you all recent home sales in your area, how much they sold for, and how long it took to sell them. Which month of the year is the best time to sell? How should you price your home for the fastest sale? All this is answered in our interactive report delivered to your email every month FREE. Just fill out your information below and begin receiving your reports NOW.                                                Home Sellers: FREE COMPUTERIZED LIST OF HOMES THAT SOLD WITH PICTURES FEATURING SOLDS AND CURRENT LISTINGS FROM YOUR NEIGHBORHOOD.                                         Please fill out my form.

Beach Properties For Sale Team Salari Hilton Head Island

Hilton Head Island Beach Homes For Sale
View These Beautiful Beach Properties of Hilton Head Island!   Now is the time to buy as it is becoming more of a sellers market if you have been on the fence.  Not since 2005 have we seen the market turning more in the favor of the seller.  

Important Real Estate News For Buyers and Sellers For April 2013

 For the Lastest Real Estate News Watch the following Video presented by Team Salari 

                                              April 2013 Real Estate News    


 Real Estate at this time is becoming a Sellers Market For the First Time Since 2005. 

Team Salari Banks and Short Sales

For Additional Information Meet Us For Coffee For a Confidential Analysis Of Your Situation

It is possible that a bank could pay you to short sell your home and pay you as the homeowner up to $30,000.  What do we have to do to qualify about cash help through a short bank incentive, let me share with you the downside to these incentives. They are taxable, says my accountant. A short bank incentive is cash at closing, which is a taxable event.Incentives are taxed as ordinary income. This means unless you have losses to offset the income, you will probably pay tax on a short bank incentive. Always check with your tax adviser before accepting a short bank incentive. The fact that a short bank will hand a seller a check at closing is a suprise to many people. It doesn't make sense. Here, a seller owns an underwater home with a mortgage far exceeding the value of the home.To learn that a short bank would give cash help to a struggling homeowner is a real suprise for many people to believe. That's because their common sense tells them a cash incentive must carry strings or somehow be against the law. But there are no strings, and it's not against the law.The National Mortgage is one of the reasons why a short bank will give cash help to an underwater seller. There are also bonafide government programs that sanction cash help to a seller. One of those federal programs is the HAFA short sale program. This program pays $3,000 to sellers who complete a HAFA short sale.To get started, first determine whether your short bank participates in HAFA. If you have hired a short, your agent can look this up for you. Many companies who buy underwater mortgages from the major banks do not participate in HAFA. However, it does not mean that a seller cannot receive cash help from these short banks. It just means that a seller will not be able to do a HAFA short sale, but the bank can still pay an incentive, if it so chooses.Bank of America Cooperative. For a limited time, Bank of America is a short bank with a preapproved short sale program for certain borrowers. Many of the Sellers with original Countrywide Loans seem to qualify.The cash payments offered by this short bank vary between $2,500 and $30,000. To find out if you qualify for cash help from this short bank, give your short sale agent permission to communicate with Bank of America by completing a third-party authorization. Then, your agent can open a file in Equator to start the ball rolling.You can also find out if your short bank will provide cash help to you by calling your service provider. Ask for the loss mitigation or short sale department. Make sure you have your loan number handy and you know the last four-digits of the primary borrower's Social Security number. Ask your bank if your loan qualifies for a relocation incentive or cash incentive.Some banks call the cash help a "relocation incentive," even though you might have already moved out of the property. You do not necessarily need to be living in the property to receive a relocation incentive.Some people might feel uncomfortable asking a short bank to pay a cash incentive. However, if you do not ask for it you might not get it. There is nothing wrong with asking your short bank if you qualify to get cash help to do a short sale. Everybody can probably use a fresh start, and a cash payment at closing can help pay for a security deposit, first and last month's rent, plus pay for movers.

Hilton Head Island Real Estate Update Team Salari

Team Salari has some wonderful real estate opportunities for those wanting to purchase beach property.




Call Frank or Vikki Salari for your Hilton Head Real Estate Needs

Dont Forget  Your RBC Heritage Tickets set for April 15th-April 21st 2013

     

Mortgage Guide Team Salari Hilton Head Island

MORTGAGE GUIDE What's the First Step in the Financing Process? Getting pre-qualified helps you determine how much home you can afford, based on specific financial information you share with your lender. The lender does not verify this information, and consequently there is no guarantee you will qualify for the loan amount. However, getting pre-approved requires that the lender verify your financial information, and does serve as a commitment to lend a specified amount based on that verified information. This gives you significant buying power with a seller who recognizes you will be approved for a loan. More About Pre-Qualification Pre-qualification is an informal discussion between borrower and lender. The lender estimates the amount that you can borrow based solely on what you tell them about your income and assets. The lender does no verification and is not bound to make the loan when you're ready to buy. On the other hand, loan pre-approval is based on documented and verified information regarding your employment, your income, your liabilities, your assets and the cash you have available to close on a home purchase. Pre-Qualification vs. Pre-Approval To a seller, a lender's pre-approval letter is considerably stronger than a pre-qualification letter. If a seller knows your financing is secure, your offer is stronger. Pre-approval also gives you peace of mind as you shop for a home, knowing that you will qualify for the proper mortgage amount. When it comes to financing, we provide hundreds of options as well as trusted assistance in making sound financial decisions. Take advantage of our low interest rates and fees, complimentary pre-qualification, easy application process, a wide variety of lenders and products to choose from, highly trained mortgage consultants, and local loan processing which minimizes time spent at closing. Ask Me About Our Mortgage Solutions: Streamlined approvals reduce the need for full employment and asset verification Mortgages from $25,000 - $5,000,000 15 to 30-year fixed and adjustable rate alternatives Rates with extended lock periods and float-down feature to protect you in an escalating rate market Refinancing alternatives for every owner Our Specialties Include: Owner-occupied, second or vacation home financing No down-payment' programs Special financing programs   For More Financing Information and to Schedule an Appointment with a Mortgage Professional

Free List of Bank Owned,Foreclosed and Short Sale Properties

FREE LIST OF BANK OWNED, FORECLOSED AND SHORT SALE PROPERTIES

Are you looking for a fantastic deal in today’s market and making the most money that you can? Don’t 
miss out on these deals
For more information on the hottest properties in Hilton Head Island click here:

Hilton Head Island Foreclosures & Short Sales    

Offered by Frank Salari a Short Sale and Foreclosure Certified Real Estate Agent 
                                  Call 843-715-1853 For More Information