Looking to buy a short sale?

When a homeowner is upside down on their mortgage payments, they can sometimes get the lender to agree to a short sale, whereby the lender consents to release the mortgage for a sum less than what's due.

Purchasing a short sale in Scottsdale, Arizona on your own is risky. Contact W J Bradley Mortgage Capital LLC for expert advice.

Are they good deals?

The short answer is "sometimes". Often times people hear the words "short sale" and automatically think of a seller that is in default and needing to sell their house promptly to avoid further financial problems. This is occasionally the case and can be an opportunity for a buyer to do well from another's misfortune. On the other hand, a lender may consider a short sale even if the seller is current, but property values have declined. In these cases the reduced price may in fact be in line with current market values rather than below.

How do I buy a short sale?
  • Before you make any purchase offers, do your research. Using a qualified real estate professional from W J Bradley Mortgage Capital LLC to assist you with researching a property can help you make informed decisions. We can help find out to whom the property is titled, the amount owed to the lender, and whether or not a foreclosure notice has been filed. Locating this data can help you decide how much to offer.

  • Get a REALTOR® with short sale knowledge. The real estate agents at W J Bradley Mortgage Capital LLC can aid you in expediting the transaction and make sure you're protected. Don't let inexperience hinder the closing process. Let our experience and knowledge work for you.

  • Even with an experienced real estate agent and under the best of situations, buying a short sale property will probably take longer than a typical real estate transaction. Be informed that many short sales will not close in 30 days or less. Remember that you're not only getting approval from the seller, but the lender must also agree to the discounted price. Commonly, your offer will be sent to a committee to approve or disapprove which will add time - sometimes even 2 to 3 months.
  • Home warranties, buyer credits and allowances, and closing cost concessions are normally non-negotiable when dealing with a short sale. The lender will sell the property "as is" which means the lender isn't going to pay for repairs. Be sure you reserve the right to have the property inspected for pests, HVAC, electrical, and other critical areas. At W J Bradley Mortgage Capital LLC, when we write an offer, we will be looking out for your interests first and will always recommend that you make your offer contingent upon the results of the inspections.
If you're ready to buy, whether it's a short sale or a typical home sale, W J Bradley Mortgage Capital LLC is available for you. Utilize our experience and knowledge of real estate to make sure that you're getting a fair deal and remain protected during the complete process.

"You can leave me a Loan" ®


If Americans will once again be
"One Nation Under God",   
God will Bless America, AGAIN!


 

For Our Freedom!!!!!

We must always remember and honor those who have shown their lives served a higher purpose and that their calling was to put country first.

We pray for the safety of those who serve in our military and stand in harm’s way We pray for their families for strength and blessing and courage as they sacrifice so much. We pray for peace and safety for the most blessed nation on earth.

Show your gratitude to a veteran who lost a comrade in arms or to the spouse or child of a fallen hero.


If Americans will once again be
"One Nation Under God",
God will Bless America, AGAIN!

"KLCSLOANTEAM and Korene Clopine-Seaman is a mortgage team that invests itself with their client's and referral partners business. They are just not providing mortgage information, education and services, they have built relationships in our business and invested in providing services that helps us deliver our core mission to provide the services that meets our client's needs in line with our company culture and values"


W. J. Bradley Mortgage Capital Corp. is a direct mortgage lender with lending authorization for Conventional, HUD, FHA, VA, USDA, and Jumbo real estate loans lending with offices in various locations focusing on providing to the people in the communities we serve throughout the United States mostly in the Southwest. We are available to help borrowers achieve the dream of home ownership and assist them as they take advantage of today’s real estate investment opportunities and mortgage rates.

The KLCSLoanTeam and the support staff are highly trained in all of the various loan products currently available. We are well prepared to answer any questions you may have about buying a home or to assist you with analyzing your current home loan. Simply put, we are here to help you make informed right-fit mortgage decisions.

The customer experience is our number one priority. Communication is a very important part of our business model and our unique loan process, and our investment in technology reflects just that. We have mastered the ability to effectively communicate with all parties involved on each and every transaction keeping everyone up-to-date from the first phone call through funding. Our goal is to use all of our resources to make your transaction as smooth and efficient as possible.

With the experience, resources and exceptional service standards, you will see why we deliver…simply better home loans as we are working to serve our customers, clients, and referral partners. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states.

W J Bradley Mortgage Capital LLC
NMLS# 3233
9237 East Via de Ventura, Suite 100
Scottsdale, AZ 85258
Office Phone:(480) 362-2324
Fax: (623) 218-1807
AZ License # BK-0903998;
Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002;
FHA Approved

NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.


*Korene L. Clopine-Seaman is working with and as the Team Manager of KLCSLoanTeam. She is licensed to originate mortgages in Arizona and California:
AZ LO-0916745
CA: DOC-218520

© 2012 W.J. Bradley Mortgage Capital, LLC. 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-7766; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. MN-MO-3233; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker – License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC; Utah Consumer Credit Notification and Utah Residential First Mortgage Notification regulated by the Utah Department of Financial Institutions; Vermont Lender License #6341; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

This is not a commitment to lend. Restrictions apply. All website Trade/service marks not related specifically to W.J.Bradley Mortgage Capital Corp are the sole and separate property of KLCSLoanTeam and Korene L. Clopine-Seaman. Korene L. Clopine-Seaman is employed by W.J.Bradley Mortgage Capital Corp as a mortgage originator. All KLCSLoanTeam © 2012 rights reserved.

Korene L. Clopine-Seaman is not acting on behalf of or at the direction of HUD/FHA or the federal government.© 2012 NMLS ID 218520.


W J Bradley Mortgage Capital LLC Attn: Korene Clopine-Seaman NMLS#218520 9237 East Via de Ventura, Suite 100 Scottsdale, AZ 85258
Cell: Fax:

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