Mason Neck Homes In Hallowing Point River Estates |
Wildlife And Waterfront Tranquility

Just ten minutes from Fort Belvoir is the tucked away waterfront community of Hallowing Point River Estates in Mason Neck. Homes in Hallowing Point River Estates are custom built on perched or level lots with Potomac River views or snuggly surrounded by mature trees. On any given day, neighbors can see deer, owls, eagles, and lots of other wildlife roaming around comfortably.

Homeowners of Hallowing Point River Estates enjoy the private amenities of a serene waterfront beach park with pavilion, picnic tables and grilling areas, available for private parties and community gatherings, a gated area with boat launch and dock directly off the channel for deepwater boating, all off the beaten path of I-95.

See also: Hallowing Point Home For Sale at 6025 Chapman Road

Alexandria VA Short Sale Listing Agent Earns The Gold |
Experience Counts When Helping Homeowners Avoid Foreclosure

A couple of years ago, many people had never hear of a short sale. Now, short sales are right in the mix of all homes for sale regardless of price point and zip code.

There are still many brokers who don’t even show short sales when working with buyers, but homeowners in Alexandria VA who are facing a financial hardship have a resource they can count on when it comes to understanding the alternatives to foreclosure.

After helping homeowners in 2009 with successfully closed short sales, I was awarded the Certificate of Designation as a Gold Member of the Certified Default Resolution Specialist network of agents who have been trained by the America’s Home Rescue team of instructors and Realtors.  I had the pleasure of meeting Michael and Stacy Spickes (co-founders of America’s Home Rescue) back in May of 2008 when I was Chair of the Education Advisory Committee at NVAR and officially invited them to teach agents how to help homeowners and how to work short sales.

This past year, I represented these sellers and helped them understand their options in avoiding foreclosure:

• 4852 Eisenhower Avenue Unit 341 in Alexandria VA at The Exchange at Van Dorn
• 4854 Eisenhower Avenue Unit 248 in Alexandria VA at The Exchange at Van Dorn
• 2451 Midtown Avenue Unit 1515 in Alexandria VA at Midtown Alexandria
• 7362 Ardglass Drive in Lorton VA in Worthington Woods
• 1030 Gardenview Loop Unit 401 in Summerhouse Condos
• 17760 Avenel Lane in Dumfries VA in Southbridge (homeowner had NO MISSED PAYMENTS)
• 5419 Moultrie Road in Springfield VA in Ravensworth (listed by Susan Bruce Anthony, short sale negotiated by me)

I was also able to consult with three other homeowners and help them with either a successful loan modification, or evaluate their current situation and offer recommendations on keeping their home(s). 

When it comes to foreclosure prevention, experience counts and RESULTS MATTER.   If you need the help of  a knowledgeable and experienced short sale agent and are facing a financial hardship, please give me a call at 703-623-8759, or visit my website for a confidential consultation.

Woodbridge VA Area Short Sale | 4220 Ashmere Circle Dumfries VA |
Wells Fargo Short Sale

4220 Ashmere Circle Dumfries, VA 22026

Just Listed at 4220 Ashmere Circle, this home is a Wells Fargo short sale.  Features include:

* – Three bedrooms

* – Two full baths

* – One half bath

* – Three finished levels

* – Fenced back yard

This home is also move-in ready with hardwood floors in the living room, a rear-facing eat-in kitchen.  The lower level is finished with the third bedroom, and a rec room with a gas fireplace.

This home is a Woodbridge VA area short sale and requires third party approval. 

Midtown At Alexandria Station Condos |
Alexandria VA CDPE Listing Agent Helps Another Homeowner Avoid Foreclosure With A Short Sale

Midtown Alexandria Station Condos Across From Huntington Metro

 Just Sold – 2451 Midtown Avenue, Unit 1515

Still having that ‘new home smell’, the contemporary condos for sale at Midtown at Alexandria Station appeal to a lot of Alexandria VA buyers who are looking at condos close to metro.  Shortly after purchasing a unit here, this homeowner experienced a financial hardship. 

With an FHA loan, the homeowner applied with Wells Fargo Home Mortgage and was accepted into FHA’s Preforeclosure Sales Program and also received a monetary incentive.  The time period for the short sale approval was 35 days.

This home had also been previously listed with another broker and did not sell.  If you are facing a financial hardship and would like to see if you qualify to sell your Alexandria VA home as a short sale, please be sure to visit my website for a confidential analysis.  Experience counts, and as a Certified Distressed Property Expert (CDPE) and a Certified Default Resolution Specialist, I have the training and sale experience to help.  Short sales are not like traditional sales, so be sure to consult with an Alexandria VA listing agent who is qualified to help.

If you currently have an FHA mortgage and are experiencing a financial hardship, you must meet the following criteria to be eligible to participate in the Preforeclosure Sales Program:

• The property must be owner-occupied, no “walk-a ways” or investment properties. Exceptions: when it is verifiable that the need to vacate was related to the cause of default (job loss, transfer, divorce, death), and the subject property was not purchased as rental investment, or used as a rental for more than 18 months.

• The Mortgagor must be 31 days or more delinquent at the time of the Preforeclosure Sale closing.

• The Mortgagor must provide documentation substantiating a reduction in income or an increase in living expense, and documentation that verifies the Mortgagors need to vacate the property (if applicable).

Short Sale Hardship Letter Sample |
One Major Piece Of The Short Sale Package

Here is a simple guide that will help you write your short sale hardship letter that your lender will require when you are trying to sell your home as a short sale:

• Start from the beginning – Now, your hardship letter doesn’t have to begin with “I was born in…” but it is helpful to mention how long you’ve owned your home and how you were able to pay your mortgage before your hardship.
• State the facts of your hardship clearly – Your hardship is the written statment of why you are no longer able to afford your monthly mortgage payment.  A hardship can include scenarios such as unemployment, divorce, separation, death of a family member, reduction in income, military reassignment, job relocation, incarceration, increase in mortgage payment, or any event that has affected your finances where you are not able to afford your mortgage.
• Describe how you have attempted to solve your problem – Have you applied for a loan modification, have you consulted with your area short sale specialist, have you consulted with your accountant, have you consulted with your tax advisor?  Show the bank that you have made a proactive effort to overcome the cause of your hardship.  Have you continued to seek employment?

Here is a sample:

To whom it may concern:

When I purchased my home in October of 2005, I had been employed at my job for 15 years.  My salary more than covered my mortgage payment and after I was able to make an extra mortgage payment every year.

I was laid off on November 25, 2008 and have not been able to find another job of equal pay.  After searching for several months, I was finally able to find a job, but now I am only making one-third of what I was making at my previous position.  I have always had excellent credit but this reduction in income now makes it impossible for me to meet my monthly obligations.

This lower salary has proven to be a hardship for me.  Now, my monthly salary does not cover my mortgage payment and my expenses.  While I was unemployed, I used all of my savings to keep my mortgage current, and have exhausted all of my savings.

I am no longer able to keep my home and have spoken with my accountant and Realtor, and I feel that a short sale is the best solution.  Please consider the offer that I have received on my home as full payment for my outstanding mortgage.  I would like to maintain my good credit avoid foreclosure.

Your short sale hardship letter should also be signed.  It doesn’t have to be a novel, and you don’t have to tell your whole life’s story.  But, what the bank is looking for is an accurate account of what led you to your current situation.

Just Sold | Alexandria VA Short Sale | Condo At Exchange At Van Dorn Metro
4854 Eisenhower Avenue – Unit 248, Alexandria, VA 22304

Another WIN-WIN outcome for a distressed home owner and a first-time homebuyer.  This Alexandria VA two bedroom condo at the Exchange at Van Dorn was listed as a short sale, approved by the seller’s lender, and successfully sold.

Are you curious about selling your Alexandria VA home as a short sale and have questions about qualifying, please contact Alexandria VA CDPE listing agent, Tamara Inzunza, for a private consultation.

Buyers See Also:

• Information On How To Buy A Short Sale In Alexandria VA
• Buyers Obtain Instant Equity On A Short Sale Purchase

Homeowners See Also:

• Alexandria VA Short Sales – Listing at 2451 Midtown Avenue #1515
• Alexandria VA Short Sales – Listing at 4582 Eisenhower Avenue #341

Alexandria VA Short Sale | Price Reduction | Condo At Huntington Metro
Midtown At Alexandria Station
2451 Midtown Avenue #1515, Alexandria VA 22303

Midtown at Alexandria Station condos is a fairly new subdivision with luxurious and contemporary building amenities including:

* – state of the art internet cafe

* – high-tech gym/fitness center

* – outdoor pool, jacuzzi

* – outdoor kitchen

* – party room

* – concierge service

* – secure building entry

* – covered garage parking

Not to mention that it is directly across the street from Huntington metro at the end of the yellow line.  Unit 1515 is available for resale as a short sale, pending lender approval.  There is only one lender involved with the sale of this Alexandria VA condo, and the short sale process has already been started, BPO bank appraisal has been done, lender just needs a buyer who wants to fairly new condo priced thousands below the other units for sale at Midtown at Alexandria Station.

Please note that current builder sales are restricted to owner-occupants only.  This is a unique opportunity for an investor to purchase right now.  Midtown at Alexandria Station is an FHA approved subdivision.

Another Homeowner Saved From Foreclosure |
Alexandria VA Short Sale Condo Approved
4854 Eisenhower Avenue #248 Alexandria, VA 22304

4854 Eisenhower Avenue #248

That’s two short sale approvals granted this month listed by Tamara Inzunza (Alexandria VA CDPE listing agent)!  Perhaps the banks were working overtime to get short sales approved because of the First-Time Home Buyer Tax credit, that we now know will be extended, pending inking the deal by President Obama.  At any rate, this is a win-win situation for buyer, seller, and buyer agent.

See also: Short sale approval granted for 4852 Eisenhower Avenue #341

Alexandria VA CDPE Listing Agent Helps Owner
Obtain Short Sale Approval On Condo For Sale

4852 Eisenhower Avenue #341

Nobody gets excited when the reality sets in that foreclosure is possible.  But one of the biggest mistakes distressed homeowners make is waiting too late to get help.

This Alexandria VA condo for sale at the Exchange at Van Dorn, just received short sale approval from the lender!

According to the Distressed Property Institute, roughly seven out of ten foreclosures could have been salvaged as short sales. Meaning higher property values for the community, reduced foreclosure inventory, and a homeowner that would have prevented a foreclosure on their credit report.

If you own real estate in Alexandria VA and are having difficulty making your monthly mortgage payment, you may qualify to sell your home through a short sale.  For more information and a confidential consultation, please click here, or email me directly.

Not all Alexandria VA listing agents are alike.  When it comes to helping homeowners in distress, listing Alexandria VA short sales, marketing, and negotiating directly with lenders, make sure that you contact a CDPE listing agent who has been specifically trained in short sale education.

Alexandria VA Buyer Agent Helps Buyers Gain Instant Equity With Short Sale Purchase
Just Sold | 11816 Judiths Grove Court | Manassas

Alexandria VA buyer agent helps move-up buyers gain instant equity, and contributes toward saving another family from foreclosure.  Are you a first-time buyer, or a move-up buyer looking for distressed properties?  Bank owned foreclosures, pre-foreclosures, and short sales can open up opportunities for your home purchase.

Because real estate prices have come down, there’s more competition for move-in ready homes in the area.  This home at 11816 Judiths Grove Court in Manassas offered three fully finished levels, a rear deck, expanded kitchen with morning room, and a master bedroom with sitting room.  Tucked away in a subdivision with no HOA, these homebuyers are able to reap the benefit of privacy, and because this home appraised for more than the purchase price, these buyers are able to boast about their instant value.

If you’re actively in the market for real estate and homes for sale in Alexandria VA or the surrounding area, please contact me for a consultation.  Distressed properties in Alexandria VA including bank foreclosures and short sales can open the door to a larger selection of homes.  Not all Alexandria VA area foreclosures and short sales are in the need of total rehabilitation.

• Search the Alexandria VA MLS for Foreclosures
• Search the Alexandria VA MLS for Short Sales
• Avoid Foreclosure – See If You Qualify For A Short Sale
• Search the Alexandria VA for All Homes For Sale