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MLS Foreclosure Prevention and MLS Short Sale Assistance:

*For what ever reason you need a quick sale; we can help!

Multiple Listing Solutions works with an extensive network of investors and Foreclosure Experts that specialize in helping people like you. Unlike other companies claiming "We Buy Houses"; with our service your property will be reviewed by not one, but several investors, investment companies, foreclosure annalist, short sale experts and lease option / lease purchase experts. This gives you the opportunity to be presented with not one but several offers and/or solutions. Such as; Cash Offers, Short Sales Options, Lease Options and Lease Purchase Options. Simply submit the request form below! Your property and situation will be reviewed by us and presented to an entire network of Investors for review and evaluation.

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Foreclosure Information

What is a Foreclosure?  A Foreclosure is; the legal process reserved by a lender to terminate the borrower's interest in a property after a loan has been defaulted. When the process is completed, the lender may sell the property and keep the proceeds to satisfy its mortgage and any legal costs. Any excess proceeds may be used to satisfy other liens or be returned to the borrower.

What is a Short Sale? When a Florida seller facing foreclosure sells their property for less than its mortgage value; this situation is known as a "Short Sale." Sometimes home owners can negotiate with lenders and have them split the difference between the sale price and loan amount, which still must be paid.
A short sale may be complicated if the loan has been sold to the secondary market because then the lender will have to get permission from Fannie Mae or Freddie Mac, the two major secondary-market players.

If the loan was a low-down-payment mortgage with private mortgage insurance, then the lender also must involve the mortgage insurance company that insured the low-down loan.

How does a property go into foreclosure? Foreclosure proceedings usually begin after a borrower has skipped three mortgage payments. The lender will record a notice of default against the property. Unless the debt is satisfied, the lender will foreclose on the mortgage and proceed to set up a trustee sale.

When does foreclosure begin?
Lenders will initiate foreclosure proceedings when homeowners become delinquent in their mortgage obligations, usually after three payments are missed. The lender will then notify the buyer in writing that he or she is in default. The lender can request a trustee's sale or a judicial foreclosure, in which the property is sold at public auction.
A borrower can cure the default by paying the overdue amount and the pending payment after the notice of default is recorded, usually no later than a few days before the property's sale.

Some sales allow the successful bidder to take possession immediately. If the former owner refuses to vacate the premises, the court can issue an unlawful detainer that allows the sheriff to come out and evict them.

Borrowers should do everything they can to avoid foreclosure, which is one of the most damaging events that can occur in an individual's credit history.

How bad is a foreclosure versus a short sale on credit? A property foreclosure is one of the most damaging events in a borrower's credit history. In terms of the effect on credit history, a deed in lieu of foreclosure or a short sale is not as adverse an event as is a forced foreclosure.

Can I protect my home from creditors? Your state may provide you with special protection from creditors through the filing of a homestead exemption, which exempts some or all of the value of the owner's equity in the homestead from claims of unsecured creditors.
Deciding whether or not to file a homestead exemption often depends on an individual's situation. Contact your county recorder's office for details.

What happens at a trustee sale? Trustee sales are advertised in advance and require an all-cash bid. The sale is usually conducted by a sheriff, a constable or lawyer acting as trustee. This kind of sale, which usually attracts savvy investors, is not for the novice.
In a trustee sale, the lender who holds the first loan on the property starts the bidding at the amount of the loan being foreclosed. Successful bidders receive a trustee's deed.