The Villages of Northeast Denver
Tracy Howard, Distressed Property Advisor

Trouble Making Mortgage Payments?

SPECIAL BULLETIN!

Many people have received notices that their Adjustable Rate Mortgages will adjust to a payment they are unable to make.  They fear they are about to lose their home to foreclosure.  They may have received a Notice of Election and Demand (NED), a notice that their house will be sold at foreclosure auction by the County Public Trustee.

  • Property values have fallen so far there is no equity in many homes - some have negative equity (owe more on their mortgage than their house is worth in today's market)
  • Refinance is impossible
  • Loan modification isn't working
  • The bank is calling and demanding payment
  • The homeowner doesn't know where to turn 

It is all so unfair!!  Dreams of homeownership are fading!

Do You Have This Problem?

Or Do You Know Someone Who Does?

Call Me - (303) 561-2433

I'm Trained

I'm Experienced

I Can Help

And It's A Free Service!

After being a real estate broker for more than 30 years, the sudden onslaught of problem mortgages caught me off guard, as it did many people -- especially those Realtors who hadn't encouraged their buyers to use Adjustable Rate Mortgages (ARMs). 

Although I had listed and sold many distressed properties, and survived through several downturns in the market during the 30 years of my career, I'd never seen anything even similar to the mess we are facing now.  And it's only getting worse.

To understand exactly what was happening, I took courses designed to bring me up to speed on this phenomenon.  I am now a "Certified Distressed Property Expert" (CDPE). 

I can help you through this nightmare by doing the following for you

  • Helping you understand your various options (AND THERE ARE OPTIONS FOR YOU)
  • Helping you understand this wasn't your fault ("Why didn't I know this would happen?")
  • Helping you negotiate with your lender concerning your mortgage options
  • Helping you come out at the end with a reasonably good credit report from your lender

And best of all this service is

FREE - It Costs You Nothing!

Call Me Today!

Tracy Howard, CDPE, Realtor®, Distressed Property Advisor

Keller Williams Realty Downtown

(303) 355-561-2433

Online Reports

Here are some special online reports created to give you information about distressed properties, options to save your home from foreclosure, problems with bankruptcy and foreclosure on your credit report, and several other topics.  These reports can give you a better look at the entire procedure, so you can make your plan for what you can do if you find yourself unable to make your house payment.    



What is a CDPE?

The Certified Distressed Property Expert is specially trained to assist homeowners in distress. Services offered include helping you decide which of the options is best for your situation, whether or when you might want to file for bankruptcy, and other current topics on the subject of foreclosure.

Alternatives to Foreclosure

Many people aren't aware of all the various alternatives to foreclosure. This report discusses those alternatives in depth.

Foreclosure or Bankruptcy vs. Short Sale

Is it better to let your lender take your property in a foreclosure action, or is it better to file a bankruptcy petition? Or is there a better solution than either of these? Here are some answers to help you resolve your own situation.


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