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-Terra Bruns with Bella Terra Realty is the first Realtor you want to speak with when doing a short sale in California. You may visit bellaterrarealty.com for all of my contact information.
-Experience goes a very long way in Real Estate. Terra Bruns has the experience you are looking for. There are several advantages for a home owner to do a [[http://bellaterraip.wordpress.com/2013/07/18/getting-to-know-the-short-sale-process|short sale]] versus just letting the home go into foreclosure. Please contact me so we can discuss those advantages, and discuss all of your options. If you have stopped making your mortgage payment, or you are planning on stopping, you need to contact me right away. I need to speak with the bank to halt the foreclosure process. They will give me the time I need to execute the short sale.
-If you do not hire a Realtor, the bank will most likely take the steps to foreclose on your home. Both processes take time, but a short sale takes much longer than a foreclosure. While I am completing the short sale on your behalf, you will be able to stay in the home. The bank will be communicating with me directly so you have answers all of the time, you will never be left in the dark, you will always know what is going on.
-Once the bank accepts a [[http://bellaterraip.wordpress.com/2013/07/18/getting-to-know-the-short-sale-process|short sale]] contract on your home, they will usually give you 45 days to vacate the home, in which time I will help you rent a home. Please do not fret, this is not the end of the world. There is life after a short sale I promise. We will find you a nice home to rent until you qualify to purchase again.
-If you do a short sale, the short sale is not as bad for your credit as a foreclosure. Please do not let your home go into foreclosure, it is the worst thing you can do for yourself, and your credit rating. You can buy more time for yourself by doing a short sale, and you will be helping your neighbors by maintaining the neighborhoods property values, and you will be helping the general economy.
-I look forward to working with you, please consider me for all of your California Real Estate needs. I help people buy and sell property all over the State of California.
-Short sales can be confusing. It’s a trying process and one that takes the patience of the investor. In the end, the bank may dispute the valuation of the property and the subsequent bid on the property. This can be heartbreaking, especially if it’s the first time the investor has tried for a [[http://bellaterraip.wordpress.com/2013/07/18/getting-to-know-the-short-sale-process|short sale]]. But short sales have much to offer even to the seasoned real estate investor. When the process works the investor makes off with a healthy discount on the property.
-If you are a bank, or a home owner in need of short sale assistance Terra Bruns with Bella Terra Realty is the first Realtor you want to get in contact with. A short sale is designed to avoid foreclosure. It is better for the bank that carries the mortgage to do a short sale, and is better for the home owner to do a short sale.
-If a bank has to move into a foreclosure situation, they will lose more money than they would have if they went with a [[http://bellaterraip.wordpress.com/2013/07/18/getting-to-know-the-short-sale-process|short sale]]. An experienced Realtor will attract more buyers to a short sale than an auction will which will again, minimize the banks losses.
-When a home owner does a short sale, it is better for their credit rating than a foreclosure. This is not to say that the home owners credit rating will not be negatively effected, but it will show up on a credit report as a property that was not paid off in full versus a full blown foreclosure.
-Sure, it is easier just to back you bags and walk away from a home if you are a homeowner that can not make payments on their mortgage any more. It does require some paperwork to get the property listed as a [[http://bellaterraip.wordpress.com/2013/07/18/getting-to-know-the-short-sale-process|short sale]] which an experienced Realtor can walk you through with ease.
-The banks put their neck on the chopping block by lending money to home owners. They took and educated risk on people, on the public. The least we can do for the banks, for the economy, and for America is to help minimize the banks losses. It is the right thing to do.

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