forclosureavoidenceseminar1

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I’m Rita Legan CDPE, and I’m here to help you. Call 440-227-4461 or go to www.StopForeclosureOH.com

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Are you or someone you know falling behind on mortgage payments in ohio and don\'t know what to do about it? Find out your options in this new report, or go to http://stopforeclosureOH.com

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Page 1: ForclosureAvoidenceSeminar1

I’m Rita Legan CDPE, and I’m here to help you. Call 440-227-4461 or go to www.StopForeclosureOH.com

Page 2: ForclosureAvoidenceSeminar1

Chances are you or someone you know is having trouble making the mortgage

payment each month.

• If this is your situation, you are not alone.• MILLIONS of homeowners are upside-down on

the mortgage

So where do you start?Here with Rita at 440-227-4461 For a confidential, free, no obligation consultation.

Page 3: ForclosureAvoidenceSeminar1

Step 1: Take Action

• CONGRATULATIONS! • You’ve already succeeded in taking your

first step by watching this seminar• You are proactive about finding a solution

and the answers to many of your questions are right here

Or go to www.StopForeclosureOH.comFor more information. You can also textOr call me Rita, now at 440-227-4461I have helped many homeownersJust like you!

Page 4: ForclosureAvoidenceSeminar1

Step 2: Contact an Educated Agent

• BE WARY OF RESCUE SCAMS!• Mediators that promise a quick resolution

in exchange for upfront fees should be reported

• A reputable counselor will not guarantee to stop the foreclosure process

• Look for the CDPE logoI am proud to have achieved the Certified Distressed Property Expert Designation. I look forward to helping you and yours today. Just pick up the phone and call 440-227-4461 Your complete confidence assured.

Page 5: ForclosureAvoidenceSeminar1

Step 3: Organize Your Personal Documents & Information

• Expedite the process! • No matter which option you choose, the

process can be expedited by assembling these materials:– Checking account statements– Recent mortgage statements– Savings account statements– Your last two paycheck stubs– Your past two tax returns– A letter of hardship

I can assist you in this process! Call me, Rita now at 440-227-4461

Page 6: ForclosureAvoidenceSeminar1

Step 4: Contact Your Lender• Lenders want to avoid foreclosure!• Lenders are not in real estate, do not want

to take ownership of a home and don’t want houses to sit idle on the market

• Contact your lender as soon as possible to discuss the solutions to YOUR circumstances

• Then call or text Rita Legan at 440-227-4461 Or go to

www.StopForeclosureOH.com

Page 7: ForclosureAvoidenceSeminar1

Step 5: Understand ALL Your Options

• As a CDPE-designated agent, I have the most current information on the options available to you

• Here’s a brief summary of a few options

Keep on going, your doing great.I know you are going through a stressful time but there is light at the end of the tunnel, and free help at 440-227-4461 Or my CDPE informational website at:www.StopForeclosureOH.com

Page 8: ForclosureAvoidenceSeminar1

SHORT SALE

A short sale is a dignified alternative to foreclosure,

allowing a homeowner who owes more on their property than it is

currently worth, to sell their property at a price lower than

what is owed.Want to stay in your home? I can help with loan modifications too. Act now callNow at me Rita at 440-227-4461. We have the resources to point you in the right direction.

Page 9: ForclosureAvoidenceSeminar1

DEED-IN-LIEU

A deed-in-lieu allows the homeowner to return the

property to the lender rather than go through the foreclosure

processWant to purchase another home sooner? Talk to your lender today, there may be options to deed-in-lieu your lender may prefer. Then call me Rita at 440-227-4461 and get connected to a mortgage planner who is standing by to help you.

Page 10: ForclosureAvoidenceSeminar1

FOREBEARANCE or REPAYMENT

These options involve the homeowner negotiating with the

mortgage company to allow them to repay back-payments

over a period of time.This may be a good alternative if you have a short time loss of income. Your lender may agree to stretch your unpaid mortgage payment’s over time. Call me now to get a confidential, free, no obligation analysis of your particular situation. 440-227-4461 or email [email protected]

Page 11: ForclosureAvoidenceSeminar1

MORTGAGE MODIFICATION

A mortgage modification involves the reduction of one of the

following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these, for a more

affordable mortgage.Want to stay in your home? Let Rita and team point you in the right direction. Call 440-227-4461 now. The sooner you get started the sooner your situation can change.

Page 12: ForclosureAvoidenceSeminar1

RENTING THE PROPERTY

Renting can also be an option, if a homeowner has a mortgage

payment low enough, they can convert their property to a rental and use the rental income to pay

the mortgage.Be careful of the tax implications, talk to your CPA or tax preparer now. Or call 440-227-4461 and see if this is a good option for you.

Page 13: ForclosureAvoidenceSeminar1

BANKRUPTCY

Bankruptcy is only a ‘foreclosure solution’ in some states and situations, but still remains a challenging financial decision.

Talk to an attorney today, there may be better options for you. Remember It cost’s you nothing to pick up the phone at 440-227-4461 or email me Rita at [email protected] or go to my pre-foreclosure website at www.StopForeclosureOH.com to find out your best option. I am here to help.

Page 14: ForclosureAvoidenceSeminar1

MORTGAGE REFINANCE

A mortgage refinance can be an option if a homeowner has

sufficient equity in their property and their credit is still in good

standing.There are now programs that may help. Call me Rita now at 440-227-4461 to get the most up to date information on all your options. These programs change rapidly, you need a dedicated partner who can help.

Page 15: ForclosureAvoidenceSeminar1

SERVICEMEMBERS CIVIL RELIEF ACT

This act was implemented to help members of the military

experiencing financial distress due to deployment.

Contact me for more information.

Call me now, Rita Legan at 440-227-4461 We have information on all the resources open to all our military distressed homeowners. We will never forget.

Page 16: ForclosureAvoidenceSeminar1

SALE OF PROPERTYSelling your property can be accomplished if a homeowner

has sufficient equity and a qualified agent who understands the current market. If you don’t

have equity, a short sale may be the best option.Talk to me Rita at 440-227-4461 I have a number of programs

to help you sell now, at the best price in the shortest time frame, with the least hassle. Friend me on Facebook at http://www.facebook.com/people/Rita-Legan/100001923727357#!/rita.legan or www.RitaLeganSells.com

Page 17: ForclosureAvoidenceSeminar1

Step 6: Action!

• Obtain a copy of my report, “Your First Steps to Avoid Foreclosure” and pass it along to anyone who may benefit from this information

• Contact me today and let’s get you back on the path to financial securityAll The Best,Rita Legan ASP Staging Realtor CDPE440-227-4461 Cell/[email protected]

Page 18: ForclosureAvoidenceSeminar1

In Closing• I believe every homeowner deserves the

best information and education to avoid losing a home to foreclosure and damaging credit for years to come

• As a CDPE, I have been trained to assist homeowners in difficult situations

In my 25 years of second generation real estate consulting, my guiding principle is "your goals are my #1 priority". My background in Corporate Relocation, Personal Real Estate Investing, New Construction, Marketing, Interior Design, Staging and Foreclosure Avoidance arm my client's for making smart and timely decisions whether buying, selling or investing in real estate in the Greater Cleveland Ohio Southwest Suburbs. I am ready to earn your business.

Page 19: ForclosureAvoidenceSeminar1

Don’t Hesitate To Contact MeRita Legan

Keller Williams Realty Greater Cleveland Southwest18318 Pearl Road Strongsville Oh

44136www.RitaLeganSELLS.com

www.AvoidForeclosureOH.com440-227-4461 Cell/VM