The Aloha Potts Distressed Property TeamThe Smarter We Work, The Luckier You Gethttp://www.alohapottshelpsmauihomeowners.com5Short sales to increase with passage of Act 48 in Hawaiihttp://www.alohapottshelpsmauihomeowners.com/1781571/2011/07/02/Short-sales-to-increase-with-passage-of-Act-48-in-Hawaii.aspx<h2 style="margin-top:2px;"><a rel="bookmark" href="http://activerain.com/blogsview/2381616/short-sales-to-increase-with-passage-of-act-48-in-hawaii">Short sales to increase with passage of Act 48 in Hawaii</a>&nbsp;</h2> <p>We have always presented <strong>short sales</strong> as<em> the honorable alternative to foreclosure.</em><span>&nbsp; </span>A new act signed into law in early May should help to <em>make short sales easier </em>for banks and homeowners (and condo owners).&nbsp;</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">Under the old law, most<em> foreclosures in Maui</em> were <em>non-judicial foreclosures.</em><span>&nbsp; </span>Banks and other lien holders tended to prefer the non-judicial route to foreclosure because it was comparatively fast, comparatively cheap and didn&rsquo;t involve the courts.<span>&nbsp; </span>It seems that some homeowners didn&rsquo;t fight them because they couldn&rsquo;t make their payments and, if the property was foreclosed, there was very little chance of the lender pursuing a deficiency judgment.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">However, many homeowners did try to work something out with their lender in the way of a loan modification, a short sale or a deed in lieu of foreclosure.<span>&nbsp; </span>Many, many of those failed for one reason or another and a lot of those homeowners complained loud and hard that their lender either didn&rsquo;t listen, wouldn&rsquo;t work with them or worse, intentionally made it impossible for the homeowner to work something out.<span>&nbsp; </span>We even heard of cases in which loan mods were completed, it seemed everyone was happy, and the bank still foreclosed.<span>&nbsp; </span>How could that happen?</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">So, the state of Hawaii responded with <a target="_blank" title="Act 48" href="http://www.capitol.hawaii.gov/session2011/bills/GM1150_.PDF"><strong>Act 48</strong></a>.<span>&nbsp; </span>It is a very complicated act, and at the very real risk of oversimplifying it, here&rsquo;s what it does.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>Owner occupants</strong>, not investors, who feel that their lender is not working with them in a reasonable way, and is pursuing a non-judicial foreclosure, may demand a face-to-face mediation meeting.<span>&nbsp; </span>It's not free, the bank and the home owner must pay fees.<span>&nbsp; </span>The bank is required agree to the mediation, but there is no guarantee that the mediation will be successful. In that case the foreclosure may still go forward.<span>&nbsp; </span>If it does, the bank can foreclose, but in a non-judicial foreclosure the bank is not allowed to pursue a deficiency.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">With Act 48 the non-judicial process just got more complex, expensive and time consuming, so, most lenders have stopped pursuing non-judicial foreclosures.<span>&nbsp; </span>In April for example, before Act 48 was passed, there were pages upon pages of non-judicial foreclosure notices in the newspaper everyday.<span>&nbsp; </span>In the last week I didn&rsquo;t see any.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">Instead lenders, including Fannie Mae, are switching to judicial foreclosures.<span>&nbsp; </span>Judicial foreclosures take a very long time (some experts estimate up to 3 years or more), they are expensive to execute for the bank, they do involve the courts and the homeowner is wide open to a substantial deficiency judgment.<span>&nbsp; </span></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">With lenders feeling forced to turn to the more expensive, time consuming process and property owners exposed to large deficiency judgments, <em>short sales</em> can provide a simpler process and be a better solution for all parties.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal">To find out more about <strong>Maui short sales</strong> and get a <span style="text-decoration: underline;"><em>free report</em></span> to help you determine if you can qualify for a short sale go to <a target="_blank" title="help with maui short sales" href="http://www.alohapottshelpsmauihomeowners.com/">Aloha Potts Helps Maui Homeowners.</a></p> <p class="MsoNormal">Contact the <a target="_blank" title="aloha potts help with maui short sale" href="http://www.alohapottshelpsmauihomeowners.com/">Aloha Potts team</a>.<span>&nbsp; </span>We are dedicated, compassionate and help steer you through the available alternatives.</p> <p class="MsoNormal"><em>Aloha Realty Group is not associated with the government and our service is not approved by the government or your lender.<span>&nbsp; </span>Even if you use our service, your lender may not agree to change your loan. </em></p> <p class="MsoNormal"><em>If you stop paying your mortgage, you could lose your home and damage your credit rating. </em></p>Sat, 02 Jul 2011 16:40:33 GMThttp://www.alohapottshelpsmauihomeowners.com/1781571/2011/07/02/Short-sales-to-increase-with-passage-of-Act-48-in-Hawaii.aspxThe Truth About Mortgage Modificationshttp://www.alohapottshelpsmauihomeowners.com/Truth-About-Mortgage-Modifications.aspx<h1>The Truth About Mortgage Modifications</h1><p>The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.</p> <p>For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!</p> <p>As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.</p> <p>If you have any unanswered questions, or your circumstances are urgent, please call me today.</p> <p>Lee Potts <br/> 808.276.8776</p> Mon, 02 Nov 2009 08:23:31 GMThttp://www.alohapottshelpsmauihomeowners.com/Truth-About-Mortgage-Modifications.aspxMissing Mortgage Payments? It's Never Too Late!http://www.alohapottshelpsmauihomeowners.com/Missing-Mortgage-Payments.aspx <h1>Missing Mortgage Payments?</h1> <h2> It's Not Too Late! </h2> <p> According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help. </p> <p> I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life. </p> http://www.alohapottshelpsmauihomeowners.com/Missing-Mortgage-Payments.aspxNeed a Helping Hand?http://www.alohapottshelpsmauihomeowners.com/Need-a-Helping-Hand.aspx<h1>Compassion and connections to untangle your complicated mortgage challenges</h1> <p> If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone. </p> <p> In fact, 6.3 million homeowners are in some stage of foreclosure right now. </p> <p> As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market. </p> <p> Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure. </p> <p> As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone." </p> <p> Contact me today and let's get started! </p>http://www.alohapottshelpsmauihomeowners.com/Need-a-Helping-Hand.aspxYour First Steps To Avoid Foreclosurehttp://www.alohapottshelpsmauihomeowners.com/Your-First-Steps-To-Avoid-Foreclosure.aspx <h1>Your First Steps</h1> <p>In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome. </p> <p>You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure. </p> <p>Fill out your information below for this free report. Don’t hesitate. Get back on track today! </p> http://www.alohapottshelpsmauihomeowners.com/Your-First-Steps-To-Avoid-Foreclosure.aspxReal Stories from Real Homeownershttp://www.alohapottshelpsmauihomeowners.com/Real-Stories-from-Real-Homeowners.aspx <h1>Real Stories from Real People </h1> <p> It isn't uncommon for homeowners who owe more on their mortgage than their home is worth and don't know what to do to feel as if they have no options and that they are all alone. This is just not true. There are many homeowners who have been in this situation and have made it through. </p> <p> I have a report on this site that tells the stories of three real homeowners who have been in this situation, faced foreclosure and who now have successful, happy lives. Read these stories. I am betting that you'll identify with at least one of them. </p> <p> Download the free report, entitled, “Real Stories from Real Homeowners" on this page, and then contact me for a free, confidential consultation. Together, we will begin writing your success story. </p> http://www.alohapottshelpsmauihomeowners.com/Real-Stories-from-Real-Homeowners.aspxYour Mortgage Does Not Have to be a Monsterhttp://www.alohapottshelpsmauihomeowners.com/Your-Mortgage-Does-Not-Have-to-be-a-Monster.aspx <h1>Banks Hate Foreclosure! </h1> <p>Many people who are facing foreclosure don’t realize it, but banks don’t really want to foreclose on homes. In fact, it costs more money for them to foreclose on a home than to exercise the other options that are available for homeowners who only need to ask.</p> <p>You have options, and foreclosure doesn’t have to be one of them!.</p> <p>As a real estate professional with the Certified Distressed Property Expert® (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance.</p> <p>Take a look at my site and download a copy of my free report entitled “Your Mortgage Does Not Have to be a Monster,” then contact me for a free, confidential consultation.</p> http://www.alohapottshelpsmauihomeowners.com/Your-Mortgage-Does-Not-Have-to-be-a-Monster.aspxChange the Course!http://www.alohapottshelpsmauihomeowners.com/Change-the-Course.aspx <h1>You <i>Can</i> Change the Course!</h1> <p> If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure. </p> <p> If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all. </p> <p> The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks. </p> <p> As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "<b>Change the Course!</b> And Navigate Away from an Unmanageable Mortgage." </p> <p> Contact me today and let's get started! </p> http://www.alohapottshelpsmauihomeowners.com/Change-the-Course.aspxCaution: Protect Yourself Against Mortgage Relief Scamshttp://www.alohapottshelpsmauihomeowners.com/Caution-Protect-Yourself-Against-Mortgage-Relief-Scams.aspx <h1>Caution: Protect Yourself Against Mortgage Relief Scams</h1> <p> The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim. </p> <p> As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well. </p> <p> In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love. </p> <p> If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today. </p> <p> I’m here to help. </p> http://www.alohapottshelpsmauihomeowners.com/Caution-Protect-Yourself-Against-Mortgage-Relief-Scams.aspxHidden Costs of Bankruptcyhttp://www.alohapottshelpsmauihomeowners.com/Hidden-Costs-of-Bankruptcy.aspx <h1>Considering filing for bankruptcy? There may be alternatives you've never considered …</h1> <p>If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information. </p> <p>Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances. </p> <p>To get your free report, fill out the form below and click <b> send</b>. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me. </p> <p>I'm here to assist you. </p> http://www.alohapottshelpsmauihomeowners.com/Hidden-Costs-of-Bankruptcy.aspxAt the End of Your Rope?http://www.alohapottshelpsmauihomeowners.com/At-the-End-of-Your-Rope.aspx <h1>At the End of Your Rope?</h1> <h2> Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment. </h2> <p> Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website. </p> <p> As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure. </p> <p> They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale. </p> <p> I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability. </p> http://www.alohapottshelpsmauihomeowners.com/At-the-End-of-Your-Rope.aspxUnderwater Homes Reach The Surfacehttp://www.alohapottshelpsmauihomeowners.com/Underwater-Homes-Reach-The-Surface.aspx <h1>Do You Have More Equity than You Think? </h1> <p>Today, many experts agree that the United States real estate market is on the mend. This is good news for homeowners who may recently have been underwater on their mortgage. The rise in home prices nationwide signals that relief from an unmanageable mortgage may be around the corner. If you or someone you know is in this situation, and you aren’t sure if your home has regained equity, I can help.</p> <p>As a real estate professional with the Certified Distressed Property Expert® (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance.</p> <p>Take a look at my site and download a copy of my free report entitled “Underwater Homes Reach the Surface,” then contact me for a free, confidential consultation.</p> http://www.alohapottshelpsmauihomeowners.com/Underwater-Homes-Reach-The-Surface.aspxOptions and Solutionshttp://www.alohapottshelpsmauihomeowners.com/Options-and-Solutions.aspx<h1>Options and Solutions</h1> <p>Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.</p> <p>As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.</p> <p>That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.</p> <p>Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.</p> <p>Let me help you evaluate your options and get back on track to a solid, stable future.</p> http://www.alohapottshelpsmauihomeowners.com/Options-and-Solutions.aspxHousing Forecasthttp://www.alohapottshelpsmauihomeowners.com/Housing-Forecast.aspx <h1>How long will home prices increase? </h1> <p>If you or someone you know is being weighed down by an unmanageable mortgage, the key to getting through is educating yourself on the options. Unfortunately, there is so much information (and misinformation) out there that telling the myth from the reality can be difficult.</p> <p>I’ve created a free report designed to help you distinguish between the fact and fiction and it is available for you to download right here on this website. Download it, read it, and take the first step in finding a solution that is right for you.</p> <p> Then, contact me for a free, confidential consultation. </p> http://www.alohapottshelpsmauihomeowners.com/Housing-Forecast.aspxTime is Running Outhttp://www.alohapottshelpsmauihomeowners.com/Time-Is-Running-Out.aspx <h1>Time is Running Out:<br> How the Mortgage Debt Relief Act Can Save Your Home </h1> <p> In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their home to foreclosure. </p> <p> The act gave homeowners relief from the tax responsibility that accompanied forgiven debt or short sales. Often, these taxes would be more than most distressed homeowners could afford. </p> <p> At the end of 2012, the act will expire and homeowners will miss this once-in-a-lifetime chance to save themselves tens of thousands of dollars while freeing themselves from an unmanageable mortgage. </p> <p> The clock is ticking, but there is still time to change your financial situation and avoid foreclosure. As a Certified Distressed Property Expert (CDPE), I am uniquely qualified to guide you through your options and help you find the right one for your situation. </p> <p> Take a look around my site and read the free reports that are available. Write down any questions you have and then <b>call me today for your free, confidential consultation.</b> </p> http://www.alohapottshelpsmauihomeowners.com/Time-Is-Running-Out.aspxFreezes in Foreclosurehttp://www.alohapottshelpsmauihomeowners.com/Freezes-in-Foreclosure.aspx <h1>Think a Foreclosure Moratorium Will Save Your Home?</h1> <h2><i> Think Again.</i> </h2> <p>You may have heard news that politicians are requesting a federal moratorium on foreclosures and wonder what this means to you, especially if you are behind on mortgage payments. The reality is that a foreclosure freeze is not the answer to your problem. However, there are steps you can take to avoid foreclosure. </p> <p>On the site below I've listed 5 steps to Avoid Foreclosure, which starts out with the proactive approach in avoiding foreclosure—taking action! </p> <p> I have created this site to provide a source of empowerment and education. From short sales to loan modifications, I can provide information to provide a genuine sense of hope. </p> <p> <strong> For a free report on the Five Steps to Avoid Foreclosure, fill out the form below and click "Send."</strong> Remember, a moratorium won't save your home—only you can! I'm here to help. </p> http://www.alohapottshelpsmauihomeowners.com/Freezes-in-Foreclosure.aspxStruggling to Make Your Mortgagehttp://www.alohapottshelpsmauihomeowners.com/Struggling-to-Make-Your-Mortgage.aspx <h1>Get Paid to Sell the Home You Can't Afford! </h1> <p> When the housing market crashed in 2008, millions of homeowners suddenly found themselves in danger of losing their homes to foreclosure. To help these homeowners, in 2009 the U.S. Treasury launched the Making Home Affordable (MHA) program, which is comprised of several subprograms designed to help distressed homeowners avoid foreclosure. </p> <p> One of the most talked about elements of the MHA program is the Home Affordable Foreclosure Alternatives program, or HAFA. The HAFA program creates options for homeowners who owe more on their mortgage than the property is worth and don't know what to do. Even better, it allows relocation assistance of $3,000 to be paid to eligible homeowners in this situation. </p> <p> To learn more, you can download my free report entitled "Struggling to Make Your Mortgage? Uncle Sam May Pay You to Sell Your House!"by filling out the form below. </p> <p> As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance. </p> http://www.alohapottshelpsmauihomeowners.com/Struggling-to-Make-Your-Mortgage.aspx7 Short Sale Mythshttp://www.alohapottshelpsmauihomeowners.com/Seven-Short-Sale-Myths.aspx<h1>7 Short Sale Myths</h1><p> </p>There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place. <p> </p>As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales. <p> </p>To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths: <ul> <li>The Bank Would Rather Foreclose Than Bother With A Short Sale</li> <li>You Must Be Behind On Your Mortgage To Negotiate A Short Sale</li> <li>There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure</li> <li>Listing My Home As A Short Sale Is An Embarrassment</li> <li>Short Sales Are Impossible And Never Get Approved</li> <li>Banks Are Waiting On A Bailout And Not Accepting Short Sales</li> <li>Buyers Are Not Interested In Short Sale Properties</li> </ul> <p>These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.</p> <p>In these times, we all need to know the truth to know how to get back on track.</p> <p>If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.</p> <p>Lee Potts<br/>808.276.8776</p> http://www.alohapottshelpsmauihomeowners.com/Seven-Short-Sale-Myths.aspxThink You Cant Sell Your Homehttp://www.alohapottshelpsmauihomeowners.com/Think-You-Cant-Sell-Your-Home.aspx <h1>Why people are lining up to buy your home!</h1> <p> Today's real estate market is very different than it was a year ago. Prices have increased rapidly over the past 6-8 months. In fact, the average home has gone up over 10&#37; in the past year, a rate that is expected to continue for the foreseeable future. Low inventory combined with an increased number of people wanting to buy means that sellers are in the driver's seat in today's market. </p> <p> I have a report which explains in detail why prices have gone up and why your home might be worth more than you think! The report is entitled "Think You Can't Sell Your Home? Think Again!," and I believe you'll be surprised by when you download and read the report. Once you are done, contact me today for a free market analysis. </p> http://www.alohapottshelpsmauihomeowners.com/Think-You-Cant-Sell-Your-Home.aspxThe $25,000 home selling bonushttp://www.alohapottshelpsmauihomeowners.com/The-$25,000-Home-Selling-Bonus.aspx <h1>What can experience do for you? </h1> <p>Chances are, you aren’t here by accident. If you found your way to this website, it is likely that you were looking for information. Maybe you are a homeowner who needs help understanding their options. Maybe you want to know how much your home is currently worth. The good news is, you’ve found an agent with experience and education, which can make a huge difference in selling your home.</p> <p>I have a report that explains in detail why experienced agents save home sellers $25,000 on average! The report is entitled “The $25,000 Signing Bonus,” and I believe you’ll be surprised when you download and read it. Once you are done, contact me today for a free market analysis.</p> http://www.alohapottshelpsmauihomeowners.com/The-$25,000-Home-Selling-Bonus.aspxMortgage Crisis Easierhttp://www.alohapottshelpsmauihomeowners.com/Mortgage-Crisis-Easier.aspx <h1>Solving Your Mortgage Crisis Just Got Easier</h1> <p> If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming. </p> <p> Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you? </p> <p> Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below. </p> <p> On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier. </p> <p> For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief! </p> http://www.alohapottshelpsmauihomeowners.com/Mortgage-Crisis-Easier.aspxForeclosure Alternatives Under The Magnifying Glasshttp://www.alohapottshelpsmauihomeowners.com/Foreclosure-Alternatives-Under-The-Magnifying-Glass.aspx <h1>A closer look at popular options for foreclosure avoidance </h1> <p>If you or someone you know is being weighed down by an unmanageable mortgage, the key to getting through is educating yourself on the options. Unfortunately, there is so much information (and misinformation) out there that telling the myth from the reality can be difficult.</p> <p>I’ve created a free report designed to help you distinguish between the fact and fiction and it is available for you to download right here on this website. Download it, read it, and take the first step in finding a solution that is right for you.</p> <p> Then, contact me for a free, confidential consultation. </p> http://www.alohapottshelpsmauihomeowners.com/Foreclosure-Alternatives-Under-The-Magnifying-Glass.aspx3 Reasons Your Home May Be Worth More Than You Thinkhttp://www.alohapottshelpsmauihomeowners.com/3-Reasons-Your-Home-May-Be-Worth-More-Than-You-Think.aspx <h1>How much is your home worth? </h1> <p> Today's real estate market is very different than it was a year ago. Prices have increased rapidly over the past 6-8 months. If you or someone you know has a home in which they owed more on their mortgage than the property was worth, that may no longer be the case. Or perhaps you've just been waiting the market out for prices to increase. Well, that time has arrived.</p> <p> I have a report which explains in detail why prices have gone up and why your home might be worth more than you think! The report is entitled "3 Reasons Your Home May Be Worth More Than You Think," and I believe you'll be surprised by when you download and read the report. Once you are done, contact me today for a free market analysis. </p> http://www.alohapottshelpsmauihomeowners.com/3-Reasons-Your-Home-May-Be-Worth-More-Than-You-Think.aspxAre You Living Under the Cloud of an Unmanageable Mortgagehttp://www.alohapottshelpsmauihomeowners.com/Are-You-Living-Under-the-Cloud-of-an-Unmanageable-Mortgage.aspx <h1>An Unmanageable Mortgage Clouds Everything</h1> <p> When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question. </p> <p> Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know: </p> <p> <b> Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic. </b> </p> <p> More help is available now than ever before. </p> <p> As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start. </p> <p> If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation! </p> http://www.alohapottshelpsmauihomeowners.com/Are-You-Living-Under-the-Cloud-of-an-Unmanageable-Mortgage.aspxMortgage Debt Reliefhttp://www.alohapottshelpsmauihomeowners.com/Mortgage-Debt-Relief.aspx <h1>Not All Sunsets are Beautiful... </h1> <p> In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their home to foreclosure. </p> <p> The act gave homeowners relief from the tax responsibility that accompanied forgiven debt or short sales. Often, these taxes would be more than most distressed homeowners could afford. </p> <p> At the end of 2012, the act will expire. There is a bill in Congress that would extend it, but it is unclear if it will pass. Homeowners who wait could miss this once-in-a-lifetime chance to save themselves tens of thousands of dollars while freeing themselves from an unmanageable mortgage. </p> <p> The clock is ticking, but there is still time to change your financial situation and avoid foreclosure. As a Certified Distressed Property Expert (CDPE), I am uniquely qualified to guide you through your options and help you find the right one for your situation. </p> <p> Take a look around my site and read the free reports that are available. Write down any questions you have and then <b>call me today for your free, confidential consultation.</b> </p> http://www.alohapottshelpsmauihomeowners.com/Mortgage-Debt-Relief.aspx