Heather Fitzgerald - Indiana Real Estate | Indiana Short Sales | Indiana Foreclosures

There are currently 63 Active Greenwood IN Short Sale Listings.  The highest price Greenwood Short Sale listing is currently $349,900 and the lowest is $50,000.

There are currently 25 Active Westfield IN Short Sale Listings.  The highest price Westfield IN Short Sale currently listed is $585,000 and the lowest is $89,999.

There are currently 74 Active Noblesville IN Short Sale Listings.  The highest price Noblesville IN Short Sale currently listed is $800,000 and the lowest is $39,900.

There are currently 36 Active Carmel IN Short Sale Listings.  The highest price Carmel IN Short Sale currently listed is $855,000 and the lowest is $79,000.

There are currently 773 Active Indianapolis Short Sale Listings.  The highest priced Indianapolis IN Short Sale currently is $750,000 and the lowest is $9,900.

     Are you behind on your mortgage payments and struggling to keep up?  Have you lost your job?  It might be time to consider a Short Sale on your home.  A Short Sale is where your lender agrees to accept an offer for less than what your payoff/amount that is owed is.

     We close at least 2-3 Short Sales per month, and over half of our listings are Short Sales.  We also specialize in bank owned listings and thoroughly understand negotiating with asset managers and we take that knowledge directly back to our Short Sale negotiations with your bank.

If you are strugling with your mortgage payments, give us a call today so we can put our persistence and perserverence to work for you on your Indianapolis Short Sale.

If you have a home in Westfield IN, Carmel IN, Martinsville IN, Greenwood IN, Whiteland IN, Franklin IN that you are needing to list as a Short Sale, contact us today.

Heather Fitzgerald, REALTY WORLD-Harbert Company, Inc.

317-885-8858, heather@harbertcompany.com

www.SmithFitzgeraldTeam.com

Before you abandon the property that you are thinking of selling as a short sale, you might want to reconsider!

On FHA loans for Indianapolis IN Short Sales and Avon IN Short Sales, most of the lenders that we are dealing with want a specific date of abandonment, why, and sometimes a  relocation due to loss of job has even been put to the test.  Talk with your agent and with your lender before you abandon your property!

Facing Foreclosure?  Find out how we can  help!

If you need assistance with your Indianapolis IN Real Estate, or surrounding areas, give us a call today. 317-885-8858 About the Author: The above info regarding Indianapolis IN Short Sales and Avon IN Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN Real Estate and surrounding areas. We are experienced Greenwood IN Real Estate Agents. We have also closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com Copyright © 2009 By: Heather Fitzgerald- Greenwood IN Short Sales. All Rights Reserved.

Don’t wait until the Sheriff is knocking on the door of your Indianapolis Real Estate.

There are many ways to lose your home but having the Sheriff show up at your door is the hardest. For owners who can’t afford to keep mortgage payments current any longer or are behind already on their mortgage, there are alternatives to bankruptcy or foreclosure.

One of those options is called a "short sale."

More than half of our listing inventory are Short Sales and Foreclosures.

When lenders agree to do a short sale property on your home, it means the lender is accepting less than the total amount that is owing.

It is at your lender/s discretion whether they accept to approve your home for an Indianapolis Short Sale listing, but it is worth a try!

If you are considering buying or selling Indianapolis Short Sales, there could be drawbacks. For your protection, we suggest that all borrowers:

• Obtain legal advice from a real estate lawyer with strong Short Sale knowledge
• Call a CPA for tax ramifications.

We are not CPA’s or attorneys, so we can’t advise you on these consequences.

Lenders have varying steps for Short Sales, but these are typical for the Short Sale Process:

• Call Your Lender
  Let your lender know you are working with an experienced Short Sale Agent that has listed your home and that you need their Short Sale package if they require their own packet.

• We Will Submit Your Letter of Authorization
  Once you contact us to list your home as an Indianapolis Short Sale, this is one of the first steps that we take.
• Hardship Letter
  Give all details that are critical to your situation: tax increases, divorce, separation, medical costs, job loss, etc.  We have example Hardship Letters if you need them.

• Proof of Income and Assets
  You will need truthful and honest about your financial situation and disclose assets and all liabilities.  Your lender might require their Financial Worksheet be filled out, and if not, we have a copy that you can utilize.

• Copies of Bank Statements
  Your lender generally needs your last two most recent months bank statements, and large deposits or withdrawals will possibly be questioned by your lender/s.

 We have closed numerous Short Sales: Indianapolis IN Short Sale, Greenwood IN Short Sales,  Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com 

If you are behind on your payments and are not sure what to do, contact Heather Fitzgerald Today!

We find solutions for you!   317-371-2622

My business partner Pam and I work on numerous Indianapolis IN Short Sales.  If there is a tough Short Sale, my office comes to me to ask my thoughts or what would I do.  I help my broker out when one of his assistants occasionally gets stuck on a Short Sale.

There is a lot to Indianapolis Short Sales and it changes constantly, and we have to roll with it and push forward on behalf of our clients.

Last week one of my broker's Short Sales got hung up again. 

It had been hung up once because the file kept being reassigned to negotiators.  In short, the file fell thru the cracks.  My broker's assistant Lisa and I pushed and pushed and finally got an approval.

Now, we are a couple of days before closing and it turns out that the buyers agent forgot to turn in to us a name change in the contract on the buyer's behalf. 

Now this might not seem like a big deal, but with Short Sales it can be an incredible deal to the seller's Short Sale bank. 

There have been cases of fraud where the seller would sell to a family member and the bank would feel taken advantage of.  Sometimes they were taken advantage of.  To keep this at a stand still, many banks have Arms Length Transaction Forms signed prior to closing to ensure that buyers, sellers and their agents are not related. 

Some banks will not allow buyers to be substituted at the last minute specifically due to this.  In my broker's case, there was a need for the buyer to have a cosigner, so they were adding a buyer, but that is still not good to do right before closing.

Lesson from this: Buyer's Agents get those changes to listing agents asap, and listing agents make negotiator's aware of this asap, so that if this is one of those banks that puts the buyer's name on the approval letter, that you and all parties are covered by having the correct names on the Short Sale approval letter.

About the Author: The above info regarding Indianapolis Short Sales  was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN and surrounding areas.

We have closed numerous Short Sales: Indianapolis IN Short Sale, Greenwood IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

Copyright © 2010 By:

Heather Fitzgerald-Indianapolis Short Sales. All Rights Reserved.

Many homeowners are upside down on their homes due to the values dropping so significantly in many areas.  On top of that, you could be dealing with divorce/separation, job loss, etc., and maybe even all of the above. 

You do have options to consider for your Indianapolis Real Estate other than foreclosure. One of those options is a Short Sale.

You might be elegible for a Short Sale. 

When looking into an Indianapolis Short Sale, you will want to call an experienced Short Sale agent. 

Ask how many Short Sales the agent has closed in the last year, how long they have been doing Short Sales, how many they currently have listed? 

These are important questions to ask your real estate agent, as they don't need to execute their first short sale utilizing your home and your future for their first experience.

You need an agent who knows how to be aggressive in handling your short sale.  It takes a very tenacious REALTOR to get many of these Short Sales done, working on your behalf.

We just received approval on one of our FHA short sales on Friday.  We asked the negotiator to ask HUD for an exeption regarding the closing costs, as the amount the buyer asked for was larger than HUD guidelines will allow.  It was a strong offer to the bank, and it made sense to try to ask HUD for the exception.  We asked the negotiator to do this, she did, and she received an approval on Friday.  You have to ask, ask, ask, push, push, push as a good Short Sale agent to get things done on behalf of your clients.

Facing Foreclosure?  Find out how we can help!

Related:

Sold - Indianapolis Short Sales 

Getting things done for your clients

Indianapolis Short Sales 

If you need assistance with your Indianapolis Real Estate, Greenwood IN Real Estate, or surrounding areas, give us a call today. 317-885-8858

 About the Author: The above info regarding Indianapolis Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN Real Estate and surrounding areas. We are experienced Greenwood IN Real Estate Agents.

We have also closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

 Copyright © 2010 By:

 Heather Fitzgerald- Indianapolis Short Sales. All Rights Reserved.

You have to push on your Short Sales to get things done for your clients!

Well, we survived another Short Sale battle. There wasn't a doubt in my mind that we wouldn't-the issue didn't make any sense.   

 At the last minute-I.E., day before closing, the negotiator with Chase bank, who mind you, had been on top of communication until this point, received the final settlement statement for closing.  She said that investor would not allow prepaids for the buyer to be paid by the seller/bank on this file. Prepaids??? We have closed dozens and dozens of files where the seller/bank paid prepaids on the buyers behalf on the HUD.

 I immediately told our title company that I would handle it.  I called our sellers to let them know the issue, as well as the buyers agent, in case I was still pushing powers that be, morning of closing.

 I left an urgent voice mail for our negotiator letting her know that this $1600.00 issue was going to kill our deal, and that if it was Chase's stance to not pay borrower prepaids:

 1) It should have come up before now-they had the purchase agreement for two months.

2) If it was Chase's stance, we needed to go to whomever, right now, to get an exception.

She told me to call her supervisor.

 I called Chase's Executive Resolution and they let me know that FNMA was the investor.  I knew if I didn't get anywhere with Chase, I was going to FNMA.  If something makes good business sense, it should be done, period.

 I also left a message for one of Chase's Executive team to see if they could assist.

 I knew the conversation with her supervisor was not going to go well, or he would have picked up the phone or had the negotiator allow the issue to be resolved at that time.

 I called him, and was met with one of the strongest personalities I have ever come across in Short Sales, and I have come across PLENTY. 

 He demanded to know what the issue was, and I told him Chase wouldn't allow prepaids to be paid by the seller/Chase on this short sale.  We went round and round-I thought he was trying to have a jousting match, he on his soapbox, me ready to call anybody in the country to get this file closed.

  I can honestly say, if it wasn't for my title insurance/closer background, he would have bulldozed me with his fast pushy talking. 

 I held my ground and he finally figured out "another" way to appropriate the $1600 on the hud and ask what in the world the issue was.  I explained his negotiator said this HUD was not okay, that was the WHOLE issue.  We got the issue resolved, the HUD remained the same, and we are closing on this file in a couple of minutes.

For more information on Short Sales:

Before you Abandon your property

Facing Foreclosure?  Find out how we can help!

 If you are behind on your mortgage payments and thinking of doing an Indianapolis Short Sale, Franklin IN Short Sale, Greenwood IN Short Sale, Avon IN Short Sale, Westfield IN Short Sale, Carmel IN Short Sale, you need a persistent experienced agent that knows their way around a short sale.  Someone doing their first one, is not going to have the same knowledge as someone with 50 closed or 100 closed...

Agents who have not done a Short Sale-in fairness to your client, you should partner on your first several with a very experienced Short Sale agent.  Read all that you can on Short Sales, and know that each Short Sale will bring a different set of guidelines or challenges, and that is what we are here for!

 If you need assistance with your Indianapolis IN Short Sale or Indianapolis Real Estate, or surrounding areas, give us a call today. 317-885-8858

About the Author: The above info regarding Indianapolis Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN Real Estate and surrounding areas. We are experienced Greenwood IN Real Estate Agents.

We have also closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

 Copyright © 2010 By:

 Heather Fitzgerald- Indianapolis Short Sales. All Rights Reserved.

 There are currently 704 Indianapolis Short Sales

56 of the Indianapolis Short Sales are in Perry Township.

They range in price from $290,000 to $22,900.

49 are in Franklin Township .

They range in price from $499,900 to $42,900

With the low rates, there has never been a better time to buy, with homes the most affordable they have been in a long time.  You could be eligible for the Tax Credit for First Time Homebuyers or if you meet the criteria for the Existing Home Buyer Tax Credit.  We can help you find the right home to fit your needs.

If you are struggling to make your mortgage payments and want to sell your home, contact us before it is too late to sell your home.  You could be eligible for a Short Sale if you have what they consider a Financial Hardship.

Facing Foreclosure?  Find out how we can help!

If you need assistance with your Greenwood IN Real Estate, Indianapolis IN Real Estate, or surrounding areas, give us a call today. 317-885-8858

About the Author: The above info regarding Indianapolis Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN Real Estate and surrounding areas. We are experienced Greenwood IN Real Estate Agents.

We have also closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

 Copyright © 2010 By:

 Heather Fitzgerald- Indianapolis Short Sales. All Rights Reserved.

Indianapolis Short Sales

Have you been struggling to make your mortgage payments and are not sure what to do? Have you spoken with your lender to see what options are available for your Indianapolis Real Estate?

I know it can be tempting to just bury your head in the sand and just ride out what is being thrown at you.

It is not the best option for most of you, if not all of you. Give your lender a call and see what your options are.

If you are thinking about listing your home as an Indianapolis Short Sale, which is one option that your lender might suggest, make absolutely sure that you real estate agent has Short Sale experience. I don’t just mean one Short Sale. They should have numerous Short Sales closed to be able to handle your Short Sale effectively.

We have closed numerous Indianapolis Short Sales, Greenwood IN Short Sales, as well as other surrounding areas. There are Short Sales that involve FHA/HUD loans-your realtor needs to know how to push for a variance with your lender if the numbers and comps truly make sense.

There are Short Sales that involve FNMA-has your lender’s negotiator submitted your file to Fannie Mae yet for approval? If not, your real estate agent should be pushing for this to happen.

There are files that have MI companies involved-and the MI companies can be very aggressive. Has your file been submitted to them yet?

When you select your agent, it is of upmost important to you for you to select someone who is going to be compassionate to your situation, but top notch when it comes to being aggressive in getting your file pushed thru if the offer makes sense.

If an appraisal is a requirement of your on your Short Sale with your lender, occasionally those can come back way off. We closed one three months ago that was a minimum of $40,000 off. What happened? I asked the first appraiser to review his comps-he was from out of the area. He refused, thru my request and thru the bank’s request. I went very high up in the company to beg for a 2nd appraisal to be ordered on this Short Sale, as this value was very skewed. We got the 2nd appraisal in. It was more on point and after two months of diligent work regarding this value issue, we got this Short Sale closed for this client.

Bottom Line-Make sure your real estate agent cares about you, your situation and getting your home sold-if the offer makes sense, your agent needs to push until it is impossible to push any more to try to get things done for you.

Facing Foreclosure?  Find out how we can help!

If you need assistance on a Short Sale in Indianapolis, Greenwood or surrounding areas, give us a call today. 317-885-8858

About the Author: The above info regarding Indianapolis Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN and surrounding areas.

We have closed numerous Short Sales: Greenwood IN Short Sales, Indianapolis IN Short Sales, Avon IN Short Sales, Mooresville IN Short Sales, Carmel IN Short Sales, Westfield IN Shortsales. Check more properties at no obligation: www.SmithFitzgeraldTeam.com

 Copyright © 2009 By:

 Heather Fitzgerald-Indianapolis Short Sales. All Rights Reserved.

New Price on Indianapolis Short Sale

10632 INSPIRATION DR, Indianapolis, Listed for $139,000

Tasteful & Elegant 3 Bedroom home. This warm and inviting home has a lot of room with a game loft, a spacious kitchen and huge lot on pond. It is in Move in condition.

Facing Foreclosure?  Find out how we can help!

About the Author: The above info regarding Indianapolis Short Sales was provided by: Heather Fitzgerald, who has over 15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN Real Estate, Indianapolis IN Real Estate, Franklin IN Real Estate, Whiteland IN Real Estate, Mooresville IN Real Estate, Martinsville IN Real Estate, Avon IN Real Estate, Carmel IN Real Estate, Westfield IN and surrounding areas. Check more properties at no obligation: www.SmithFitzgeraldTeam.com Copyright © 2009

By Heather Fitzgerald-New Price on Indianapolis Short Sales. All Rights Reserved.

Making your Indianapolis short sale a smoother process!

If you are thinking about listing your home as an Indianapolis short sale, be prepared for your listing agent to ask you for documents that your bank will need.  They will more than likely need to provide your lender:

Last two months bank statements

Last 30 days worth of paystubs for each borrower that is on the loan that is or will possibly be delinquent.

Last 2 years federal tax returns

A Financial Worksheet from your bank if they have one, and if they do not, one that your listing agent should be able to provide to you.

A hardship letter explaining what caused you to fall behind

These might seem tedious, but your lender and their MI company and or investor needs these items to see if you are able to qualify for a short sale.

Let your agent know how far behind you are on your Homeowners Association dues, so they can factor that in to preliminary figures that are sent to your lender.

Give us a call today for more information, or visit our website. www.SmithFitzgeraldTeam.com

About the Author: The above info regarding  Making your Indianapolis short sale a smoother process was provided by: Heather Fitzgerald, who has over  15 years of experience in real estate, title insurance, and lending that can be put to work for you. Heather can be reached by phone at 317-885-8858. Thinking of selling your home or buying your next home? We can help you with this. I service the following areas: Greenwood IN, Indianapolis IN, Franklin IN, Whiteland IN, Mooresville IN, Martinsville IN, Avon IN, Carmel IN, Westfield IN and surrounding areas.

Copyright © 2009 By Heather Fitzgerald- Making your Indianapolis short sale a smoother process!All Rights Reserved.

Experienced Short Sale agent for Greenwood IN Short Sales, Greenwood Short Sales, Indianapolis Short Sales, Indianapolis IN Short Sales, Indianapolis Real Estate, Greenwood IN Real Estate.