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Chances are, you or someone you know is facing the possibility of foreclosure. But you need to understand that YOU ARE NOT ALONE!!!

Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

That's where we come in. Through the years, we've assisted many people in avoiding foreclosure. As an ADVOCATE for homeowners in distress, we provide information on loan modification programs, government backed relocation assistance programs, negotiate successful shortsales, negotiate deed in lieu, etc.

We understand the stress you are dealing with as you battle this economic crisis. We do not make judgements about your financial decisions, and are simply here to help you find a path to a brighter future by avoiding foreclosure.

If you are behind on your mortgage payment or anticipate that you will be in the near future, we encourage you to learn about all of the options available to you. As your ADVOCATE, our goal is to help you determine which option is best for you. All of our services are free to you the homeowner. Please contact us today for a free, no-obligation consultation to determine your best option.  We urge you to act now,  do not ignore the problem!

What is a Short Sale?

In brief, a Short Sale is when a lender agrees to accept less than the amount owed on a mortgage in order for a property to be sold. In addition to being “underwater” on their mortgage, the seller must have a verifiable hardship that is accepted by the lender, must have a monthly shortfall on income and thirdly, be financially insolvent.

The video below describes a short sale.



The Short Sale process has improved dramatically since April 5, 2010. That is when the US Treasury implemented the HAFA Short Sale program. Up until that date, the Short Sale process was not standardized, and thus led to much confusion and delays, so Short Sales had the reputation of taking forever to close and often not reaching the closing table. There has been a marked improvement in how quickly deals close, and indeed participating lenders may be penalized if they do not adhere to these stringent timelines.  If you are a buyer and had been conditioned to avoid Short Sales, you may want to reconsider as deals now close much faster than before and there are some excellent values on offer.

Will I qualify for a Short Sale?

As your ADVOCATE, we will help you determine if you are a good candidate for a Short Sale. Watch this video for a brief overview of the requirements.



I keep hearing about CDPE, what is that?

A Certified Distressed Property Expert® (CDPE) has a thorough understanding of complex issues in today’s turbulent real estate industry and knowledge of foreclosure avoidance options available to homeowners. CDPEs can provide solutions, specifically Short Sales, for homeowners facing market hardships.

Homeowners regularly proceed without guidance of any kind through the often financially and emotionally devastating prospect of foreclosure. Speaking with a well-informed, licensed real estate professional is the best course of action for a homeowner in distress. Through comprehensive training and experience, CDPEs have the tools to help homeowners find the best solutions for their unique situations and to avoid foreclosure through the efficient execution of a short sale.

Living through financial difficulties poses a challenge for any family, so why make the process of finding a qualified real estate professional difficult too? Select an agent with the CDPE Designation to ensure you have a trained professional to address your specific needs. For more information, contact a CDPE in your area.

CDPEs don’t merely assist in selling properties, they serve and help save their clients in need.



Through our experience handling distressed properties at RE/MAX Prestige, We've found that homeowners today have more questions than answers about their circumstances. We have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.

You may also have noticed that we're offering you a FREE Report to explain your options and help you decide on a course of action. The idea of losing a home can be overwhelming, and we feel it is vital for you to have all the facts necessary to make an informed decision.

As agents with the CDPE® Designation, we have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.

If you would like to know more about your options, please call us at (978) 360-4743.

We are here to help … in any way we can.

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                  Team Zingales

                  (978) 360-4743




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Learn how agents with the Certified Distressed Property Expert® designation are best suited to help distressed homeowners.
Team Zingales
RE/MAX Prestige
232 Pleasant St
Methuen, MA 01844