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"Herboso & Associates did an excellent job of listing my condo and handling the short-sales process for me.  Fernando is extremely knowledgeable and took the time to answer all my questions and concerns. He was efficient and took care of all the negotiating with the lender and the buyer.
  Out Of State Client, A. Nguyen"

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We have been Interviewed by the following News Organizations:

WLXE 1600 AM Spanish Radio Rockville MD 

We are Contributors of Short Sale Information to the following Organizations
Short Sale Definition Why Do a Short Sale? Short Sales Realtor What Is a CDPE? Short Sale Specialist

"12 million people are upside-down on their properties and desperately need help."

“The Mortgage Bankers Association's surveys of members suggest one out of 10 mortgages was either delinquent or in the foreclosure process at the end of September 2007, and Moody's Economy.com estimates 12 million homeowners are "upside down" -- they owe more on their homes than their properties would fetch in today's market.

 "Millions of more foreclosures are predicted for 2009, and that number is expected to climb in 2010 -- a title-wave is coming with resetting arms."

No Equity?  Behind on Your Payments?  Facing Foreclosure?

Stop Foreclosure on its tracks
 And Save your Credit with a Short Sale

A short sale can help people who are behind on their mortgage payments that no longer afford their homes, but want to avoid foreclosure regardless of good or bad credit.

Herboso & Associates are a team of certified short sale specialists, who can offer foreclosure prevention services and will negotiate with your lender to help save your credit.

Common Critical Mistakes Made when a homeowner is having Mortgage Problems

• Running up Credit Cards to pay your mortgage.
• Borrowing money from family to pay your mortgage.
• Hardship withdraws from retirement accounts.
• Cash advances from employers
• Utilize other loans or home equity lines to pay your mortgage.

We want to help you avoid these critical mistakes before they jeopardize your whole family’s future.

Ten reasons why you should consider doing a short sale:

1. NO UPFRONT MONEY OR FEES REQUIRED FROM YOU !
2. You owe more on your property than it’s worth
3. Your payments have significantly increased due to an ARM interest rate adjustment
4. You are moving to a new area and can’t sell your home or afford double payments
5. You are an investor who got over extended with properties or payments
6. You lost your job or experienced a significant decline in income
7. Foreclosures in your neighborhood or area have destroyed property values
8. You want to avoid a default judgment from your lender
9. You want to avoid the credit devastation of a foreclosure
10. You want to avoid paying for a home for the next ten years to  find out that you may still be underwater in year 2020

Ten reasons why you should consider  Using Herboso & Associates Short Sale Services:

1. NO UPFRONT MONEY OR FEES REQUIRED FROM YOU!
2. We can help you eliminate mortgage debt and ongoing payments
3. We can help you remain in the property during the process without making payments . . (The only way to benefit financially in a short sale)
4. We will help you negotiate with your second lender for pennies to the dollar
5. We can help avoid the need to file bankruptcy altogether. . in two years time, you can find yourself “normal” again
6. We can help you take advantage of President Bush’s “Mortgage Forgiveness  Debt Relief Act and Debt Cancellation“
7. We have a group of in-house negotiators working with the banks everyday, we take control of all our short sales.
8. We get the Bank OFF YOUR BACK! If you are late on you are already late on your payments now.
9. We help you find another home afterwards. . we are full service Realtors.
10. We don’t want to buy your home. . YOU ARE OUR FOCUS.

A short sale process can be very complicated, one that requires patience, persistence, tenacity and a great deal of experience. All lenders prefer to work with Realtors who have mastered the short sale process.
We will PROTECT your interests, financial information and documentation at all times.

Disclaimer

The information contained in this website is intended to be used for informational purposes only and to provide a general overview of the topics described herein. There may be tax and other legal consequences associated with a short sale.  Herboso & Associates and Key Realty Group LLC makes no representations or warranties concerning potential tax or legal consequences relating to any final disposition of any property in a short sale.

Homeowners are advised to consult with a tax professional regarding the potential tax consequences for their particular situation. Herboso & Associates and Key Realty Group LLC are not Advisors and they are not a legal law firm. We strongly encourages all parties, agents, homeowners brokers and mortgage lenders involved in a transaction to seek such advice from a professional advisor.