Keller Willams Real Estate Rob Alley, Realor GRE 

1885 Seminole Trail, Suite # 100 Charlottesville, VA 22901
Office: 434-220-2217  Fax: 540-250-3275   roballeyrealtor@gmail.com
 
Charlottesville 

Stop Foreclosure
Help Available
Eliminate The Stress.
Salvage Your Credit.
 
Rob Alley
434-220-2217
email me 
 

 
Real Estate
 
Stop Foreclosure Help Available
We specialize in helping our clients stop foreclosure.  We understand that there are many reasons why homeowners sometimes are unable to pay their mortgages and every situation is unique.  At The Avery Group we take the time to meet with our clients and explain all of their options to provide comprehensive foreclosure help.

We Are In Your Neighborhood
We help you determine if you can Keep Your Home or if you have to Sell Your Home to avoid foreclosure.  We provide you with a personal consultation based on your unique situation. One of the reasons The Avery Group has been so successful that we have local representatives in Central Virginia who can offer comprehensive solutions to foreclosure problems on a local level.
 
Stop Foreclosure Now
Stop Foreclosure FAST! There are programs to help stop foreclosure regardless of your situation. With the right help, virtually any foreclosure situation can be successfully resolved. Our affiliates have helped hundreds of homeowners to stop foreclosure and we can help you too.
When facing foreclosure Time is of the Essence.  You MUST act fast to protect your rights.
Many people needing help with stopping foreclosure simply do nothing and hope for a miracle. Don't fall into that trap! Click Here to get foreclosure help now You have options. Don't face foreclosure alone. Why wait for answers? Contact someone in your area who understands the foreclosure process and who knows the foreclosure laws in your state. Time is your enemy!

If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings.  As time passes thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day extra interest is added!
The longer you wait, the harder it is for us to help.
CALL TODAY 434-220-2217

 
What is a Short Sale: A short sale is a negotiated settlement in which a short pay occurs, and a lender agrees to accept less than the amount owed to payoff a home loan as an alternative to foreclosure. The lender often agrees to a short sale because they know if they take the property back through foreclosure they will often incur and even greater loss.

Market Trends Newsletter: Find out what's going on in today's real estate market. Our Real Estate Blog provides fresh perspective on our market activity. Be sure to check these out!

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Let us know if there is something specific you are looking for and we'll find what you need. Enjoy your visit and please contact us if there is anything we can do to make your next home buying or home selling experience the best it can be!
 
 
Rob Alley, Realtor GRE 
 
1885 Seminole Trail, Suite 100,
Charlottesville, VA 22901
    Office: 434-220-2217  
Fax: 540-250-3275  
roballeyrealtor@gmail.com

Buying or selling real estate is a process that requires the right resources to help you make informed decisions toward a successful real estate transaction. These resources include the ability to search for homes, get school and neighborhood reports, and basic real estate information to help you understand the entire process.

As a real estate professional, We are here to provide you with the tools you need to complete your home sale or purchase with ease!
 
 
Featured Properties - Looking for just the right property? Check here first! Your Home's Value - Let me figure out how much your home is worth in today's market!
Property Search - Search homes available in your area. Recent Home Sales - Properties recently sold in your area.
Neighborhood Info - Neighborhood reports and demographics. Real Estate Q & A - Get the info you need to sell your home!
School Info - Identify the best school district for your family with my free school reports. Real Estate News - Stay up to date with the real estate market.
Buyer Tips - Browse helpful tips on buying your dream home! Seller Tips - Read through helpful information on selling your home!
 

How does a short sale affect me vs. a foreclosure?  Check out the link below

short sale vs foreclosure.xls

HOW DOES A SHORT SALE AFFECT ME VS. A FORECLOSURE?
Issue Foreclosure Short Sale
Future Federal National Mortgage Association “Fannie Mae” (FNMA) Loan on Primary Residence You’re NOT eligible for a FNMA-backed Loan for five years Eligible for FNMA-backed Mortgage after two years
Future FNMA- backed Loan on Non-Primary Residence Investor allowing foreclosure NOT eligible for FNMA-backed Investment Mortgage for seven years Investor who successfully negotiates and closes Short Sale eligible for FNMA-backed Investment Mortgage after two years
Future Mortgage Loan of any kind On ANY future 1003 Standard Mortgage Application in next seven years, prospective borrower will have to answer “YES” to Question C in Section 8 that asks “Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?” (Affirmative answer will affect rate charged.) There are NO similar questions or declarations regarding a Short Sale.
Credit Score 250-300 point negative impact affecting score for over three years. Only late payments will show, and after Short Sale, mortgage will be shown as paid or negotiated. Score will be lowered as little as 50 points if all other payments are being made. Short Sale’s affect can be as brief as 12-24 months.
Credit History Foreclosure will remain as a public record on a person’s credit history for 10 years or more. A Short sale is not reported on a credit history. There is no specific reporting item for ‘short sale’. The loan is typically reported ‘paid in full, settled.’
Security Clearances Foreclosure is the most challenging issue against a security clearance outside of a conviction of a serious misdemeanor or felony. If a client has a foreclosure and is a police officer, in the military, in the CIA, Security, or any other position that requires a security clearance in almost all cases clearance will be revoked and position will be terminated. A Short Sale on its own does not challenge most security clearances.
Current or Future Employment Employers have the right and are actively checking the credit regularly of all employees who are in sensitive positions. A foreclosure in many cases is ground for immediate reassignment or termination. A short sale is not reported on a credit report and is therefore not a challenge to employment.
Deficiency Judgments In 100% of foreclosures (except in those states where there is no deficiency) the bank has the right to pursue a deficiency judgment. In most successful short sales in VA, it is possible to convince the lender to give up the right to pursuit a deficiency judgment against the homeowner.
Deficiency Judgment Amounts In a foreclosure the home will have to go through an REO process if it does not sell at auction. In most cases this will result in a lower sales price and longer time to sale in a declining market. This will result in a higher possible deficiency judgment. In a properly managed short sale, property is sold at a price close to fair market value. In almost every case, that results in a lower deficiency, a faster liquidation and a better outcome for all concerned.

 
Home Sellers

We can help home sellers understand buyer expectations and establish realistic pricing for your home under the current market conditions.

Our goal is to leverage our knowledge and experience to help you get the best price the market will support while still selling your home in a reasonable period of time.
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Home Buyers
 
For home buyers, our knowledge of the Charlottesville real estate market is second to none. We know the neighborhoods, the current market conditions, and the opportunities for buyers in today’s market. Our buyer specialists are committed to helping you find the home you want at the best possible price.
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Our commitment

Finding your dream home or finding a buyer is only part of the challenge of a successful transaction. There are many details that need to be managed
through closing and I bring the depth and breadth of skills and experience required to ensure your transactions go smoothly. Our commitment is to provide you the quality of service and communication you desire and deserve.
Learn More About Me

 


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Rob Alley, Realtor GRE 
 Office: 434-220-2217  
Fax: 540-250-3275  
1885 Seminole Trail, Suite 100,
Charlottesville, VA 22901