Helping Oklahomans Avoid Foreclosurehttp://www.avoidforeclosureoklahoma.com5http://www.avoidforeclosureoklahoma.com/2148525/2012/02/05/If-you-have-a-real-estate-short-sale-need-we-have-investors-for-you.aspx<p> One of the constant worries we have and our Oklahoma City Oklahoma financially distressed homeowners have is getting a buyer and having the buyer go all the way to closing. Any buyer of a short sale can opt out even up to the point where we call their agent and say we have their price approved. This happened to one of our clients on Friday. This can be a real pickle if you are getting close to the foreclosure sale date.</p> <p> The answer for you is investors. We called an investor the next day, told them the purchase price, the typical rent, and the condition of property and in short time we had another buyer, this time one that was going to hang in there. Why are investors the best buyer for your short sale?</p> <p> First, they are oblivious to a time line, if the deal is good they don&#39;t care if it is 60 days or 120 days. Second, all they really care about is return on investment. If the walls are green, blue, whatever, they are not going to live there, they are going to rent it. They want your home becasue it will be less expensive than a comparable house that is not a short sale and again remember, it is the numbers that count.</p> <p> I have wating investors that are comitted to buy properties right now, four of which we sold this week. They are also up&nbsp;to a certain price, cash buyers. If not they will put at least 20% down and you won&#39;t get an FHA or VA buyer with no or little money, and you don&#39;t have an appraiser that can set requirements for repairs before closing that you don&#39;t pay for since short sales are as is, and a buyer that does not have the money to do them for cash, which means the laon cannot be closed.</p> <p> If you are a financially distressed homeowner in the Oklahoma City Oklahoma area, you need to quit sitting on your hands hoping for a miracle. The numbers are against you and the penalties for foreclosure severe. We can get your home sold with an investor, save you from foreclosure, and with no cost to you for us, or any closing cost. Real Estate short sales and investors are made for each other and we have worked hard to build up a database of these buyers. Please call us and we will show you the alternatives to foreclosure, and help you back to financial health and well being.&nbsp;&nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> .&nbsp;</p> <p> &nbsp;</p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sun, 05 Feb 2012 14:54:02 GMThttp://www.avoidforeclosureoklahoma.com/2148525/2012/02/05/If-you-have-a-real-estate-short-sale-need-we-have-investors-for-you.aspxhttp://www.avoidforeclosureoklahoma.com/2147772/2012/02/04/To-Avoid-Foreclosure-Time-is-of-the-essence.aspx<p> The Mortgage Indebtedness Relief Act ends December 31st, 2012. This is for people who do a successful short sale where they do not have to pay tax on the lender&#39;s loss as income. If you had a $50,000 loss and a 25% tax bracket you would owe the IRS about $12,500 plus interest and penalties. In a short sale you are exempted if it is your primary residence and a few other situations. So you are reading this and saying but this is February, I have plenty of time! No you don&#39;t, and if you are a financially distressed homeowner in Oklahoma City Oklahoma listen up and check out this time line.</p> <p> You list your property on March 1st and 90 days later you have an accepted contract so now we are in June, and it takes another 90 days to get the short sale approved, now we are in in September. We now have 30 days to close and we are in October. This is a scenario where everything goes well. Let me give you two conplications: First you lose your initial buyer and have to get another, add 60 days.&nbsp;Second, you have a second mortgage, or maybe a third party lien like back homeowners dues, again 60 days. heaven forbid we have a tax lien to work on, so you can see that even listing on march 1st can get us to the end of the year and any delay that goes into 2013&nbsp;means that you may owe taxes.</p> <p> You need to act now! The later you go the more jheopardy you put yourself in. But you say, what if the Congress extends it? That could happen and I hope it does, but with an election year and a divided Congress that doesn&#39;t seem to agree on anything, I would not want to put my faith in that process. Besides, if you are 3 months or so behind now it is the time to act becasue we also have a foreclosure process in motion and the closer to sheriff sale transfer, the harder this gets. &nbsp;&nbsp;</p> <p> &nbsp;</p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sat, 04 Feb 2012 14:07:27 GMThttp://www.avoidforeclosureoklahoma.com/2147772/2012/02/04/To-Avoid-Foreclosure-Time-is-of-the-essence.aspxhttp://www.avoidforeclosureoklahoma.com/2147292/2012/02/03/Why-Oklahoma-City-Financially-distressed-Homeowners-Need-a-Support-group.aspx<p> Nothing can be more paralyzing than having a financial hardship where you can&#39;t make ends meet and at the same time feel like you have any control of your life. I know how this feels like becaasue in 2008 I had a serious bout with cancer, and what&nbsp;I did extremely well is cry, but not much else. What changed everything in the first few weeks was accessing a support group to help me through difficult decisions and to try to lift my spirits.&nbsp;</p> <p> If you are in danger of losing your house in foreclosure and you are only able to do what&nbsp;I could do which is cry, then you need to find your self a support system. I would like to suggest to those in the greater Oklahoma City Oklahoma area that it could start with me from a professional standpoint. I am not your family, your pastor, or your dearest friend, but I am going to treat you as much.</p> <p> Give people the alternatives to foreclosure and being successful at it is the hardest work I have ever done in my 22 years of real estate. it is also the most rewarding. I have reached a point in my career that I have the privilege of doing what I want so i want to have the privilege of working with you.</p> <p> The problem is that most of you will not call me which is a tragedy in the wings. Foreclosure is very costly, it keeps you from owning a home for a longer time making you pay higher rent payments than a mortgage payment. It makes all interest rates go up for you for years to come. Worse, it opens you up to IRS tax liens. One person just received a 1099 for around $30,000 which means he owes the IRS taxes becasue losses are taxable in foreclosure but not in a short sale.</p> <p> I could go on but I want to stop here and the next sentence is in capitals and bold. <strong>GET ON THE PHONE AND CALL ME, IT COST YOU NOTHING!&nbsp;</strong>I can help and even with some short sale programs I may be able to get you money at closing. Don&#39;t worry about being embarassed telling me what went wrong becasue I have ecperienced about all the acceptable hardships for a short sale that lender accept. 8 out of 10 homeowners go down with the ship and I am offering a life raft. Please&nbsp;call.&nbsp;</p> <p> &nbsp;</p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Fri, 03 Feb 2012 17:15:56 GMThttp://www.avoidforeclosureoklahoma.com/2147292/2012/02/03/Why-Oklahoma-City-Financially-distressed-Homeowners-Need-a-Support-group.aspxhttp://www.avoidforeclosureoklahoma.com/2145792/2012/02/02/If-you-get-a-les-pendens-foreclosure-notice-should-you-go-to-the-court-date.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/6VdnT1tu-ag" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Thu, 02 Feb 2012 17:24:06 GMThttp://www.avoidforeclosureoklahoma.com/2145792/2012/02/02/If-you-get-a-les-pendens-foreclosure-notice-should-you-go-to-the-court-date.aspxhttp://www.avoidforeclosureoklahoma.com/2142672/2012/02/01/Bankruptcy-and-still-doing-a-short-slae.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/8tfh1k-dDxA" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Wed, 01 Feb 2012 15:28:09 GMThttp://www.avoidforeclosureoklahoma.com/2142672/2012/02/01/Bankruptcy-and-still-doing-a-short-slae.aspxhttp://www.avoidforeclosureoklahoma.com/2094093/2012/01/09/The-End-of-the-Mortgage-Indebtedness-Relief-Act.aspx<p> The Mortgage Undebtedness Relief Act enacted in 2007 to encourgage short sales in ending&nbsp;this year. Financially distressed Oklahoma City homeowners&nbsp;should not wait to the last minute to start a short sale because you will have a taxable event if you cannot close by the end of the year. Watch this video to get all the details.</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/_Zal_x4AiQ4" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Mon, 09 Jan 2012 10:11:22 GMThttp://www.avoidforeclosureoklahoma.com/2094093/2012/01/09/The-End-of-the-Mortgage-Indebtedness-Relief-Act.aspxhttp://www.avoidforeclosureoklahoma.com/2092431/2012/01/06/We-push-foreclosure-solutions-and-not-just-short-sales.aspx<p> If you are a financially distressed Oklahoma City homeowner and are having trouble making your mortgage payments please watch this video about how we advise your people in trouble to first and foremost avoid foreclosure using the best solution to meet your needs.</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/JI1omnYLsR0" width="560"></iframe></p> <p> &nbsp;</p> <p> &nbsp;</p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Fri, 06 Jan 2012 08:00:42 GMThttp://www.avoidforeclosureoklahoma.com/2092431/2012/01/06/We-push-foreclosure-solutions-and-not-just-short-sales.aspxhttp://www.avoidforeclosureoklahoma.com/2088840/2012/01/02/Listing-your-Oklahoma-City-short-sale-in-2012.aspx<p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;">2011 has come to a close and for us successfully closed short sales were a reason for us to look back with satisfaction. Oklahoma City Oklahoma is not a hotbed of distressed properties like Florida is&nbsp;tfor instance, but like all markets there are people in financial distress that need help. We had a 95% success rate and while we would love to say we closed all of them, we are not afraid to take the most challenging ones that in three cases did not close for the homeowner. Looking to 2012 I believe we will see more short sales in Oklahoma City and not less and these are the reasons why:</span></span></p> <p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;"><strong>Agents who list at unrealistic prices. </strong>I appreciate the fact that you want to sell at a price that pays off the mortgage and late&nbsp;fees, but the &quot;greater fool theory&quot; died in 2007. Not only did the theory die, but the fan club died too. Mortgage conpanies and appraisers have strict regulations about values and do not give loans based on the fact that the buyer wants it. If the real price is one that&nbsp;requires that you have to bring money to closing you don&#39;t have, it is a short sale and that is your best option.</span></span></p> <p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;"><strong>Agents who do short sales with training and experience. </strong>Too often&nbsp;I see financially distressed homeowners being thrown up against a wall to see if they stick. This is no way to take the most&nbsp;difficult and time consuming transaction and not know what you are doing. Every lender is different, and every situation is different. You can have mulitple mortgage issues, mortage insurer problems, third party liens like homeowners associations or tax liens that complicate the process. As an Advanced CDPE with ongoing training with updates at leaqst weekly, and as someone who heads a team that has done hundreds of successful short sales, we are the kind of agents that give you the best chance of success.&nbsp;&nbsp;&nbsp;&nbsp;</span></span></p> <p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;"><strong>Waiting too late to start the short sale. </strong>One of the Oklahoma City homeowners we could close was one who called us one month before the sheriff sale date. Lenders as well as the investors behind them who hold the note like Fannie Mae want you to be proactive and if you are not and wait too long they will not delay the sheriff sale date short of you declaring bankruptcy that would delay it. Don&#39;t put yourself in that position and get started as soon as you know you can&#39;t make ends meet and that trying to make payments will just make you financial situation worse. Try to contact us before the notice of les pendens which usually comes to you after 5 missed payments, and in Oklahoma the lender has to take you to court to finish the foreclosure process.</span></span></p> <p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;"><strong>Oklahoma City home values&nbsp;will probably</strong>&nbsp;drop in 2012. No one can say absolutely that this will happen but based on the large number of homes that didn&#39;t sell in 2011, and the size of the sheriff lists in 2011, this year will be the distressed property on the market year. Oklahoma takes at least one year for foreclosure and then there are mkonths of delays and red tape that keeps the home off the market. In evaluating the number of foreclosures that hit the market this year whioch is at most 1/3 of them, they are going to be on the market in 2012. besides the fact that we did not appreciate in 2011, and with more foreclosures selling in Oklahoma City in 2012, there will be downward pressure on pricing, so the housing recovery is at best 2013 or later and will not help you get a higher price, rather it will be at a lower price.</span></span></p> <p> <span style="font-family: times new roman,times,serif;"><span style="font-size: 14px;"><strong>What to do.</strong>&nbsp; Please contact us for you alternatives and don&#39;t bry your head in the sand pretending it will go away. We can show you all of the alternatives and not just short sales. It is possible that a refinance, a loan modification, a forebearance plan, or even retning you home if you are forced to relocate might be in your best interest. We will do everything in our power to help you and your family have financial relief in 2012. &nbsp;&nbsp;</span></span></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Mon, 02 Jan 2012 14:53:36 GMThttp://www.avoidforeclosureoklahoma.com/2088840/2012/01/02/Listing-your-Oklahoma-City-short-sale-in-2012.aspxhttp://www.avoidforeclosureoklahoma.com/2052735/2011/12/22/Bankruptcy-does-not-stop-a-foreclosure-it-only-delays-it.aspx<p> Please watch this video because misinformation is being put out in the media about bankruptcy stopping your Oklahoma City foreclosure. Get the facts so that you can make the right decisions for you and your families future.&nbsp;</p> <p> &nbsp;</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/C9xyOK1nFF0" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Thu, 22 Dec 2011 18:11:02 GMThttp://www.avoidforeclosureoklahoma.com/2052735/2011/12/22/Bankruptcy-does-not-stop-a-foreclosure-it-only-delays-it.aspxhttp://www.avoidforeclosureoklahoma.com/2046951/2011/12/17/Why-Use-a-CDPE-Advanced-Member-to-do-your-real-estate-short-sale.aspx<p> This video will talk about how use should use a CDPE designee to keep you our of your Oklahoma City area foreclosure, and how advanced members of this designation group go far beyond the typical REALTOR&reg; to keep up with the changes, learn new ideas about how to handle difficult neogtiations, and network with the best of the best nationwide in meetings and forums.&nbsp;</p> <p> &nbsp;</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/ih25qCHQ8ig" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sat, 17 Dec 2011 15:22:06 GMThttp://www.avoidforeclosureoklahoma.com/2046951/2011/12/17/Why-Use-a-CDPE-Advanced-Member-to-do-your-real-estate-short-sale.aspxhttp://www.avoidforeclosureoklahoma.com/2039292/2011/12/11/Problems-with-Second-Mortgages-and-HOA-dues.aspx<p> The landscape is changing for financially distressed homeowners who have a short sale option. This video will talk about how second mortgages are being sold off to collection agencies, and how in Oklahoma HOA dues&nbsp;which are delinquent can stop a short sale. This video will help you with how to avoid this.&nbsp;</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/eosuG8cEZOM" width="560"></iframe>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sun, 11 Dec 2011 09:13:51 GMThttp://www.avoidforeclosureoklahoma.com/2039292/2011/12/11/Problems-with-Second-Mortgages-and-HOA-dues.aspxhttp://www.avoidforeclosureoklahoma.com/2037441/2011/12/08/Deed-in-Lieu-versus-Foreclosure.aspx<p> This video will explore the fact that a deed in lieu is a foreclosure, not a better option than a short sale, but if a short sale is not possible on your Oklahoma City home, then this can be an option to look at.</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/Sstkb3KxI8s" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Thu, 08 Dec 2011 07:16:21 GMThttp://www.avoidforeclosureoklahoma.com/2037441/2011/12/08/Deed-in-Lieu-versus-Foreclosure.aspxhttp://www.avoidforeclosureoklahoma.com/2036073/2011/12/06/Foreclosure-versus-Short-Sale-Differences.aspx<p> This week I have fielded three calls from fionancially distressed homeowners in the Oklahoma City Oklahoma area, and in all cases they had read online articles that were completely wrong about the difference between foreclosure and a short sale. One had proposed that there was no difference. Misinformation is harmful and dangerous to your financial health and your future depends on making the right decisions. This video will hopefully help to dispell that. You can go to the Resources tab on this site and go down to find a <a href="http://www.avoidforeclosureoklahoma.com/Foreclosure-Vs-Short-Sale.aspx">side by side comparison of the difference</a>..&nbsp;</p> <p> &nbsp;</p> <p> &nbsp;</p> <p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/WYbiHpEgVlw" width="560"></iframe>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Tue, 06 Dec 2011 06:35:18 GMThttp://www.avoidforeclosureoklahoma.com/2036073/2011/12/06/Foreclosure-versus-Short-Sale-Differences.aspxhttp://www.avoidforeclosureoklahoma.com/2002191/2011/11/25/Be-Thankful-this-holiday-that-you-don-t-have-a-financial-hardship.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/6wGw7IqZLd0" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Fri, 25 Nov 2011 14:57:06 GMThttp://www.avoidforeclosureoklahoma.com/2002191/2011/11/25/Be-Thankful-this-holiday-that-you-don-t-have-a-financial-hardship.aspxhttp://www.avoidforeclosureoklahoma.com/2002185/2011/11/25/The-Psychology-of-Financial-Hardship.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/D-VuWptvFtA" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Fri, 25 Nov 2011 14:53:36 GMThttp://www.avoidforeclosureoklahoma.com/2002185/2011/11/25/The-Psychology-of-Financial-Hardship.aspxhttp://www.avoidforeclosureoklahoma.com/1999761/2011/11/20/Cash-Incentives-for-Oklahoma-City-real-estate-short-sales.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/bQmlUuxpUIg" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sun, 20 Nov 2011 10:04:18 GMThttp://www.avoidforeclosureoklahoma.com/1999761/2011/11/20/Cash-Incentives-for-Oklahoma-City-real-estate-short-sales.aspxhttp://www.avoidforeclosureoklahoma.com/1999179/2011/11/19/Financially-Distressed-Homeowners-Don-t-be-Intimdated-by-Big-Banks.aspx<p> <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/8GEEdvGFfBs" width="560"></iframe></p> <p> Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p> <a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p> <a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sat, 19 Nov 2011 10:33:31 GMThttp://www.avoidforeclosureoklahoma.com/1999179/2011/11/19/Financially-Distressed-Homeowners-Don-t-be-Intimdated-by-Big-Banks.aspxhttp://www.avoidforeclosureoklahoma.com/1986954/2011/11/10/No-Holday-Moratorium-this-year-for-Foreclosures.aspx<p>For the last few years, mortgage companies have not wanted to foreclose on distressed homeowners in the holiday season in Oklahoma City or anywhere. It was not becuase they had compassion for families, it truly was about bad publicity of evicting people and having it put all over television and youtube.com. It was just bad for business.</p> <p>In 2011, those in Oklahoma City will get no breaks since recent annoucements from Fannie Mae, Freddie Mac, and Bank of America among others have been saying that rather than slow things down on foreclosures, theyare speeding them up, and November and December will not be a holiday from a sheriff sale.</p> <p>So how do you avoid it? First, do not wait to the last moment because if you are close to sheriff sale, it may not be possible to get you removed. Second, empower us to talk to your lender and communicate yourself also. Lenders and the investors in your loan want to see proactivity&nbsp;not inactivity. So whether it is a loan modification which can happen at the same time as a short sale offering, or a refinance if your credit is not shot, make sure they see you in action.</p> <p>If you are a distressed Oklahoma city homeowner who can't make their mortgage payments, a short sale could be the answer to future credit meltdown. We are a successful team with CDPE training, hundreds of short sales done, and a 94% success rate. Please contact us for a free and confidential consultation so we can help/</p> <p>&nbsp;</p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Thu, 10 Nov 2011 19:25:41 GMThttp://www.avoidforeclosureoklahoma.com/1986954/2011/11/10/No-Holday-Moratorium-this-year-for-Foreclosures.aspxhttp://www.avoidforeclosureoklahoma.com/1981353/2011/11/06/Oklahoma-City-Financially-Distressed-Homeowners-Can-Take-Control.aspx<p>The biggest problem I see with Financially Distressed Homeowners in the Oklahoma City Oklahoma real estate market area, is a reactive way of dealing with problems. First let me say&nbsp;I completely understand and empathize with them. Typically it is not just the mortgage payment that is late, it is the car payment, the credit cards, and more that is causing many people to run and hide. It is just too much pressure that creates anxiety, that creates emotional and rational shutdown and any ability to confront proavtively.</p> <p>My recommendation for changing this mental meltdown is to kill the cerditors with communication and kindness. They are supposed to be able to contact you daily, but they cannot be abusive or threatening. It is best that you constantly communicate that you cannot pay, and whatever your hardship is tell them that you are trying to resolve it, and you undertand that they want money and acknowlege you do owe it. Remember that if they sue you they have to pay an attorney to go after you and they would prefer not to. They also can work a low payment plan for you and that may keep them from doing an important aspect of doing a short sale on your home which is not attaching a lien to it which complicates out ability to help.</p> <p>While all of this is going on you can authorize us to deal with the mortgage company. This is you biggest debt, and if you go to foreclosure your biggest headache in the future. We cannot help you on your credit cards or car payment, that is not our expertise, and if your debt is so great and impossible to solve, an attorney may be in your future. If not, doing a real estate short sale on your Oklahoma City area home for sale can stop the credit meltdown, get you back into mortgages in 2 years, and keep a foreclosure off your record and maybe even save your job.</p> <p>Becoming proactive will not only help you stop the creditors from harassing you, it will make you fell again like your life is in your hands instead of others dictating your moods and your future. We can help Oklahoma City area financially distressed homeowners get their lives back together, and their families future on the right course. We just need to make sure that you are not one of the 80% who never seek visable means of avoiding foreclosure with a short sale. let us help you.</p> <p>Contact me at&nbsp;<a href="mailto:joe@joepryor.com">joe@joepryor.com</a> or call me at 506-590-2135.&nbsp;</p> <p>&nbsp;</p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sun, 06 Nov 2011 16:58:09 GMThttp://www.avoidforeclosureoklahoma.com/1981353/2011/11/06/Oklahoma-City-Financially-Distressed-Homeowners-Can-Take-Control.aspxhttp://www.avoidforeclosureoklahoma.com/1978029/2011/11/02/Oklahoma-City-real-estate-short-sales-and-HOA-Dues.aspx<p><iframe width="560" height="315" src="http://www.youtube.com/embed/JEa-v6xOR4k" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Wed, 02 Nov 2011 18:26:58 GMThttp://www.avoidforeclosureoklahoma.com/1978029/2011/11/02/Oklahoma-City-real-estate-short-sales-and-HOA-Dues.aspxhttp://www.avoidforeclosureoklahoma.com/1948140/2011/10/31/Ask-a-Short-Sale-REALTOR-the-right-questions.aspx<p><iframe width="425" height="349" src="http://www.youtube.com/embed/HWcH8MONqjg?hl=en&amp;fs=1" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Mon, 31 Oct 2011 15:04:15 GMThttp://www.avoidforeclosureoklahoma.com/1948140/2011/10/31/Ask-a-Short-Sale-REALTOR-the-right-questions.aspxhttp://www.avoidforeclosureoklahoma.com/1947330/2011/10/30/High-Cost-of-Foreclosure.aspx<p><iframe width="560" height="315" src="http://www.youtube.com/embed/HW50mOKroO4" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Sun, 30 Oct 2011 17:08:39 GMThttp://www.avoidforeclosureoklahoma.com/1947330/2011/10/30/High-Cost-of-Foreclosure.aspxhttp://www.avoidforeclosureoklahoma.com/1946487/2011/10/28/Changes-in-HARP-Refinance-Program.aspx<p><iframe width="420" height="315" src="http://www.youtube.com/embed/-vAqU8wxL-8" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Fri, 28 Oct 2011 18:09:17 GMThttp://www.avoidforeclosureoklahoma.com/1946487/2011/10/28/Changes-in-HARP-Refinance-Program.aspxhttp://www.avoidforeclosureoklahoma.com/1945608/2011/10/27/What-is-a-CDPE.aspx<p><iframe width="560" height="315" src="http://www.youtube.com/embed/tXKCCZEIhDk" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Thu, 27 Oct 2011 16:31:45 GMThttp://www.avoidforeclosureoklahoma.com/1945608/2011/10/27/What-is-a-CDPE.aspxhttp://www.avoidforeclosureoklahoma.com/1941465/2011/10/24/CDPE-in-Oklahoma-Talks-About-The-Big-Reason-to-Avoid-Foreclosure.aspx<p><iframe width="425" height="349" src="http://www.youtube.com/embed/4R2EpnDTx54?hl=en&amp;fs=1" frameborder="0" allowfullscreen=""></iframe></p> <p>Joe Pryor &amp; Charlene Humphreys, Distressed Property experts</p> <p><a href="mailto:joe@joepryor.com">joe@joepryor.com</a></p> <p><a href="mailto:chumphreys2@cox.net">chumphreys2@cox.net</a></p>Mon, 24 Oct 2011 11:35:25 GMThttp://www.avoidforeclosureoklahoma.com/1941465/2011/10/24/CDPE-in-Oklahoma-Talks-About-The-Big-Reason-to-Avoid-Foreclosure.aspx