You have options. You may be eligible for loan modification through your present mortgage holder. If you are behind on payments you usually do not qualify for a lower interest rate through a refinance. Loan modification and refinance are two different things. Call us if you have questions. We can help you sort it out.

Avoid foreclosure rescue scams by calling a reputable nonprofit organization who can help you with a debt restructure plan on all your bills. Possibly your house payment could be considered in the restructure plan. They have the ability if you have an income to restructure your debts.

When it comes to selling your home, if you have determined that you can not afford the payment, or you have fallen behind and have to sell your home to begin the process of putting your life back together please call us. Teresa 801-750-5446 or Vann 801-580-4233.

(If catching up on payments is not possible, the lender might agree to put foreclosure on hold to give you some time to attempt to sell your home. You do not need to involve additional third parties such as short sale negotiators. Many of these have sprung up in the past few months creating an additional expense on top of your real estate fees. We can assist you without additional fees.)

Selling to Investors

Investors are not held up to any kind of a standard through the State of Utah Department of Business Licensing. As a result many people have had different problems down the road after selling their home to an investor who was acting in an unscrupulous manner. Real Estate Agents and Brokers are held accountable by the State of Utah and have your best interests to keep in mind. That is why many times investors want to approach you without a real estate agent involved. Real estate agents are knowledgeable about the common ways that some investors are cheating people, committing fraud etc. if you are behind on payments your mortgage company will want to deal with a real estate agent on the sale of your home.

Below are some potential warning signs to consider before listing your home or selling to anyone assisting families facing foreclosure?

• The individual, enterprise or business entity offering assistance requests payment upfront for its services.
• The individual, enterprise or business entity offering assistance is not a registered business entity with the Department of Commerce.
• The individual, enterprise or business entity offering assistance presents the win-win scenario of temporarily placing a family facing foreclosure into another home that is controlled by the individual, enterprise or business entity offering assistance.
• The individual, enterprise or business entity offering assistance do so without contracts or use contracts that are not state approved by the State Division of Real Estate.
• The individual, enterprise or business entity mandates that only companies and or affiliates of their companies are used at all times during the transaction.
• Make sure all closing papers are signed for at a reputable Title Company and not at the Mortgage Lenders office or Investment Company’s office.

Sellers Before you decide to shortsale your home Read this - click the link here!


Don't forget your housing and property needs are the top priority with The Larson Team. Sometimes that may mean you have te sell in an unpleasant circumstance and we are sensitive to that.