Know Your Options

Local Agents Provide Free Government Program Eligibility Surveys to Kingstowne Homeowners Facing Financial Hardships

Wed, 19 May 2010 21:28:18 GMT

Local Agents Provide Free Government Program Eligibility Surveys to Kingstowne Homeowners Facing Financial Hardships

Alexandria, VA – 05/29/10 – Local CDPE-designated agents and community advocates, Kurt & Rocio Duty of Keller Williams Realty have announced the expansion of an information website for Kingstowne area homeowners in distress:

www.ourhomeoptions.com

This resource now contains eligibility surveys for government programs offering help to distressed homeowners, including the Home Affordable Foreclosure Alternatives Program, or HAFA, which increases the likelihood of a short sale or deed-in-lieu of foreclosure.

"These surveys will let homeowners quickly discover new options made available by the government," Mr. Duty said. "When faced with the possibility of foreclosure, I’ve seen too many homeowners make mistakes because they hadn’t been advised by a qualified professional. These people didn’t know the options available, or even how to find any information on their situation. My website helps to solve this problem."

Ourhomeoptions.com acts as a hub for information on the facts and issues for struggling homeowners, putting all the necessary information in one, easy-to-use location. With the addition of these new eligibility surveys, the site lets homeowners make educated decisions about their future.

"Seven out of 10 homes that have gone into foreclosure did so without even being listed on the market," said Alex Charfen, co-founder and CEO of the Distressed Property Institute. "Agents like Kurt & Rocio with the CDPE designation are helping distressed homeowners understand that there may be options available to avoid foreclosure."

The CDPE designation provides real estate professionals with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing financial hardship in today’s market.

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

Website presents information and answers questions on homeowner eligibility with new foreclosure avoidance resource.

What In The World Is HAFA?

Tue, 20 Apr 2010 13:18:33 GMT

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

HAFA Update

Thu, 08 Apr 2010 13:25:25 GMT

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

How Long Will Negative Equity Last?

Mon, 29 Mar 2010 17:46:48 GMT

How Long Will Negative Equity Last?

By: Carrie Bay 03/29/2010

There has been a lot of recent talk about mortgages in negative equity – underwater homes – and the impact on the housing market. In response, First American CoreLogic asked the question: When will these homes start to float?

The company estimates that the typical underwater homeowner will not begin to surface until late 2015 to early 2016. It’s an even longer stretch for some of the most depressed markets, where First American CoreLogic says the typical borrower in negative equity may not experience positive equity until 2020 or later.

Even in markets with low shares of negative equity, the recovery time will still be long because the few borrowers that are upside down are deeply in negative equity and these are typically not high appreciation markets, the company has concluded.

Although house price appreciation will, over time, offset negative equity, First American CoreLogic says amortization (the paying down of loan balances) will be a more significant remedy to negative equity. The company’s data shows that over the next 10 years, the

average loan balance will decrease by an annual rate of 3.3 percent; meanwhile home prices are expected to increase at a 3 percent annual rate over the next decade.

To forecast when the typical U.S. homeowner will achieve neutral and positive equity, First American CoreLogic looked at 10 key markets, plotting equity trends over the next decade, and assuming a nominal annual appreciation rate of 3 percent.

Of the markets studied, the Washington D.C. area is expected to reach positive equity by 2015.

Atlanta, Georgia; Dallas, Texas; and Riverside-San Bernardino, California are projected to rise to the surface in 2016. Boston, Massachusetts should find a balance in 2017.

Cape Coral-Fort Myers, Florida; Pittsburgh, Pennsylvania; Las Vegas; and Lancaster, Pennsylvania are forecast to reach positive territory by 2020.

Detroit, though, is not projected to recover even by 2020, because of its depressed economy.

The latest numbers from First American CoreLogic show that more than 11.3 million, or 24 percent, of all residential properties with mortgages were underwater at the end of the fourth quarter of 2009.

Among the new housing initiatives announced by the administration Friday was assistance for borrowers with negative equity. In order to deter these homeowners from strategically defaulting, the Treasury will begin requiring servicers to consider principal write-downs as part of their Home Affordable Modification Program (HAMP) evaluations for borrowers whose loan balance is more than 115 percent of the property’s current value. The plan also includes a Federal Housing Administration (FHA) refinancing program for negative equity mortgages.

©2010 DS News. All Rights Reserved.

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

Taxes On Short Sale vs. Loan Modification

Mon, 08 Mar 2010 20:22:06 GMT

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

Mortgage Modifications

Sun, 07 Mar 2010 21:14:42 GMT

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

Mortgage Modifications

Fri, 12 Feb 2010 18:22:33 GMT

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

10,000 Strong and Just Getting Started!

Fri, 22 Jan 2010 15:13:28 GMT

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, We’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Avoiding Mortgage Modification Fraud

The Duty Group is Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Is your Mortgage out of Balance with Your Budget

Is your Mortgage out of Balance with Your Budget?

Today's homeowners have a lot to fear. Budgets are tight and it doesn't take much before "barely getting by" tips into avoiding collector's phone calls, sleepless nights and falling further behind.

Many homeowners don't think it's possible to tip the scales back in their favor so they simply give up.

You do not have to lose your home to foreclosure!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am uniquely qualified to help homeowners as they attempt to bring balance back to their budgets.

If you, or someone you care about feels like the scales are weighted against them and need help, contact me today for a confidential consultation!

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, We’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. We commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is our priority.

Let us help you evaluate your options and get you back on track to a secure financial future.

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Experts, We have training and experience in providing solutions to homeowners facing financial hardship. Despite our best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, We’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. We hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give us a call.

Kurt & Rocío Duty
(703) 508-6178

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. We’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, We have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call us today.

Kurt & Rocío Duty
(703) 508-6178

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. We appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As real estate agents, what we often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities we serve.

That's why we've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE we know the options for homeowners in foreclosure or delinquent on their mortgages, and we can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." We hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Foreclosure Vs. Short Sale

As Certified Distressed Property Experts, We have devoted our careers to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately we've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, we still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why we're glad you're here. To help, we’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and we'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give us a call. We can help you evaluate your options and get you back on track to a secure financial future.

Kurt & Rocío Duty (703) 508-6178

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why we have created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As CDPE-designated agents, we can provide all of your possibilities and help you get moving toward a solution.

Know Your Options

Local Agents Provide Free Government Program Eligibility Surveys to Kingstowne Homeowners Facing Financial Hardships

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177 www.thedutygroup.com www.searcharlingtonhomes.com www.kurtandrocio.com

What In The World Is HAFA?

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177 www.thedutygroup.com www.searcharlingtonhomes.com www.kurtandrocio.com

HAFA Update

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177 www.thedutygroup.com www.searcharlingtonhomes.com www.kurtandrocio.com

How Long Will Negative Equity Last?

How Long Will Negative Equity Last?

By: Carrie Bay 03/29/2010

Taxes On Short Sale vs. Loan Modification

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177

Mortgage Modifications

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177

Mortgage Modifications

Kurt & Rocío Duty – Realtors ® Proudly Serving DC, Maryland & Virginia Keller Williams Realty 6354 Walker Ln. Suite 100 Alexandria, VA 22310 Kurt: (703) 508-6178 Rocío: (703) 508-6177

10,000 Strong and Just Getting Started!

Your First Steps To Avoid Foreclosure

Your First Steps

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Avoiding Mortgage Modification Fraud

Avoiding Mortgage Modification Fraud

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Cash for Short Sales

Cash for Short Sales

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

Is your Mortgage out of Balance with Your Budget

Is your Mortgage out of Balance with Your Budget?

Short Sale & Deed-In-Lieu

Short Sale & Deed-In-Lieu

7 Short Sale Myths

7 Short Sale Myths

The Truth About Mortgage Modifications

The Truth About Mortgage Modifications

Options and Solutions

Options and Solutions

Foreclosure Vs. Short Sale

Foreclosure Vs. Short Sale

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

Change the Course!

You Can Change the Course!

Government Program Surveys

Government Program Surveys

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

www.thedutygroup.com

www.searcharlingtonhomes.com

www.kurtandrocio.com

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177

Kurt & Rocío Duty – Realtors ®
Proudly Serving DC, Maryland & Virginia
Keller Williams Realty
6354 Walker Ln. Suite 100
Alexandria, VA 22310
Kurt: (703) 508-6178
Rocío: (703) 508-6177