The Kestner Team

Are you having trouble making your house payments?  

I’m NOT one of those “We Buy Ugly Houses” people that take advantage of homeowners!   I’m a legitimate real estate professional that understands the difficult times many home owners are facing, and I am offering my HELP.

I just got off the phone with a home owner that had been working with his lender for the past four months trying to modify his loan to a lower payment so he could keep his home.   After four months of discussions and paperwork, they informed him YESTERDAY, that his house was being auctioned at the court house steps TODAY.   How devastating!   I felt so bad for him, but at this point, there’s nothing I can do.

Therefore, I’m reaching out to everyone.  If you are having trouble making your mortgage payments, PLEASE seek help before it’s too late.   There are several options available - Forbearance, Repayment Plan, Loan Modification, Deed in Lieu, Short Sale.   A loan modification will not cut your mortgage payments in half.  However, depending on the amount of your payment, it could reduce your payments by $200 or $600 a month.  If you know you will still have trouble making even reduced mortgage payments, then it’s time to sell your home.  And the longer you wait, the worse off you’ll be.

MOST IMPORTANTLY, until we figure out what to do and determine a “plan” KEEP MAKING THOSE PAYMENTS even if they are not for the full amount.  If you’re hoping to reduce your payments by $200, then made your normal payment less $200.

If you are in a difficult situation, I invite you to contact me to discuss your options.  The call is free, the consultation is free.  I will do everything I can to understand your situation and determine a plan that is best for you.  If your best option is to let the bank have your home, I’ll tell you.   If I think I can sell it before it goes to the bank, I’ll tell you.  If I can’t, I’ll tell you that, too.  

I take pride in being honest and upfront with all my clients, and in KEEPING YOUR BEST INTEREST IN MIND.

Please feel free to call me on my cell phone at any time at 615-289-1340 OR contact me through my website at www.TheKestnerTeam.com.    And if you have a family member or friend that is in trouble, feel free to give them my contact information.