Relocate to Wisconsin

If you are related to someone who is upside down with their mortgage...has missed more than one mortgage payment for whatever hardship reason....illness, death of a spouse, loss of job or decrease in earnings, a mortgage that adjusted beyond an affordable payment...or some combination of these problems.....you can empathesize, sympathesize but if you are a realtor...you cannot list the property OR even get a referral fee for the listing.   Lenders are united in this prohibited practice. Just as sellers are not permitted to receive any proceeds from a short sale, relatives are not allowed to benefit either. This eliminates any suspicion a lender may have that the seller could benefit...from a sympathetic relative who may feel the homeowner deserves some kind of compensation. 

    If you have a brother, sister, mother, father, cousin, aunt, uncle....whoever the relative that is upside down and needs to sell their home. Call us...we can refer you to a qualified short sale specialist anywhere in the country....you can't help them....trust us to find someone who can.  Locally call: 414-525-0563 or nationally toll free: 877-525-0563. Prompt service and proven results from professional you can trust.

  There are some agents who have determined that the cure for their ailing sales in real estate is to have their buyers and sellers PAY for loyalty....Yes, I know...hard to believe....rubs my ethics the wrong way.....We all work for money.  It seems that for some people, somewhere along the way....to my way of thinking...got their priorities shuffled. Yes, we all need to make a living....BUT when we start charging for Buyer Agency....Charging a Distressed Home Owner an Up Front Fee for listing a Short Sale...because that BUYS the loyalty of the those poor misinformed buyers and sellers....is it about THEM ?

    When you make THEM your top priority....that first time buyer sooo excited about a new home and you walk them thru the process and teach them the things to look for in value, inspection, lending...contractors....That distressed, depressed seller who want have to face garnishment of his/her salary because you did a successful short sale.

      Over 98 per cent of our business last year was by referral.....we didn't buy loyalty....we did it the old fashioned way.....we earned it.....Is your loyalty for sale ?

 I spoke with someone yesterday who knew 2 people with homes in foreclosure that did not know about or understand the merits of a Short Sale. The homes were listed for more than they would ever appraise for because the listing agents BOUGHT the listing. They listened to the homeowner....they made a list of what the seller owed including mortgage payments for which they were behind...added commission, maybe a sprinkle of back taxes and topped it all with a "little bit extra" to start over and then put the house on the market for this inflated price....to the seller, this was the only way that they could leave the property debt free.....NOT THE CASE !

   If you are behind on payments, have lost your job, are getting divorced, your mortage rate adjusted...have become disabled or have some combination of these situations or other hardship...a short sale may be your solution.  THERE IS NO COST TO THE SELLER FOR A SHORT SALE.  In a short sale, the seller is also not allowed to profit...so while no profit is made...there is also no expense !  If anyone tries to approach you as a seller and suggests a fee of ANY kind...RUN do not walk away as quickly as possible.  You should never pay anything as a seller for a short sale.

                         If you choose to list your home as a short sale...Be sure that the agent is qualified and has SUCCESSFUL EXPERIENCE in short sales.

      Sally and David Hanson are SHORT SALE SPECIALISTS ...trained and experienced and have earned the designation of CERTIFIED DISTRESSED PROPERTY EXPERT.  Don't gamble with agents who have less training and experience...We can help you with a local expert anywhere in the country. The service is FREE and the benefits are rewarding for a lifetime...Call locally: 414-525-0563 or TOLL FREE: 877-525-0563....it will be the best money you never spent.

  Lots of agents....in fact tooo many agents say they "do short sales". We read about it in the Active Rain forum all the time...Doing them....and having current training, experience and actually CLOSING short sales is far different than an agent saying they "do them."

     We have invested the time, the money and discipline in CDPE Training.

      We don't just ask you a few questions...have you fill in the blanks on a questionnaire and ask for a small bail of paper to prove you are really "upside down."  Above all, our training, experience and successful track record....are ALWAYS FREE TO THE SELLERS.  If you have missed mortgage payments or are borrowing money to make payments....NEVER PAY A REALTOR TO DO A SHORT SALE.  Sometimes a short sale may not be your best option....each situation is different...and we examine your entire situation very carefully before making any recommendations as to how your situation might best be handled...at absolutely no expense.

           While a "normal" real estate transaction may involve 25 sheets of paper and your agent....our short sale packages can be hundreds of pages and a team of 5 people who make your sale, our business to save you from foreclosure...extensive debts and ruined credit that can follow you for a decade or more in addition to garnishment and higher payments for other things like insurance....as well as a possible compromising report that could affect employment requiring security clearance.

                Our short sale team is experienced, professional and successful.  We have one person who has the job of following your file continually with your lender or lenders....No real estate agent who says they "do" short sales and does not operate with the very great benefit of a team....in our opinion is not giving you the best possible service and the highest liklihood of closing your short sale.

             We are dedicated, experienced, successful professionals....don't trust your future to someone who "can or does" do short sales...trust us....we close short sales.  No matter where you are, anywhere in the country, we can refer you to a locally qualified and experienced professional. Call us locally: 414-525-0563 or TOLL Free: 877-525-0563 For Prompt Service and Proven Results.

 Matt Anderson (proprietor of Matty's Bar...a model entrepreneur and downright upstanding citizen of New Berlin, WI ) has insomnia ....AGAIN..and so that means yet another exciting FUN(d) Raising event to shake off the winter Blues..and have a little Booze at our favorite watering hole !  If you brave the waters of Frigid Muskego County Park....and collect your pledges for the Special Olympics...you will  be warming your heart as well as your "innards" when you return to Matty's.....and down some Jamaican Rum...Matty knows how to make it all about THEM....those very special folks at the Special Olympics who run, jump and exercise their hearts out to be the very best they can be....and here is your opportunity to help, have fun and win prizes all at the same time...it just doesn't get any better than that !

Ja' Makin' Me Jump!! Join the Matty's 2009 Polar Plunge Team! Take A Dip in the Frigid Water of Muskego County Park on February 8th, 2009!!

Matty's Bar & Grille Have fun while raising money for the Special Olympics!!  Other great reasons to join the jumpers: Great Company Outing, Special Olympic Incentives, Free Breakfast at Matty's, Free Shuttle Rides to and from the park for jumpers, 'chickens' & supporters, Post Party at the Park including LIVE music by the Love Monkeys, Beer & Soda Available at Park & don't forget to warm up @ Matty's Jamaiccan Post Party including Rum Punch specials, food specials, great company & LIVE Reggae Music by David Robinson!! Don't Wait!  SIGN UP NOW!  Here's a couple options.... *Ask a Matty's Staff Member to Sign You Up *Visit www.specialolympicswisconsin.org ,  Click Find a Team, Search Matty's Bar & Grille & Click Join Team!!    Too Chicken to Jump!!  Sign up as a 'Chicken', still raise pledges & receive incentives and you are gonna LOVE this...Instead of jumping into the frigid, cold waters, do the CHICKEN Dance!! Havin' a Good Time at the park with the Love Monkeys!! Prizes for Best Costume, Most Money Raised & Best Water Entrance!  Let's See What you Got :)

   We recently got a call from an agent who was going to show one of our Short Sale listings for the second time.  In Wisconsin at this point in time....not everyone understands Short Sales. That everyone includes realtors, attorneys,....and of course buyers and sellers.  I asked the showing agent if she and her buyer understood short sales.  Invariably the answer is the same..."Of course." You bet...of course....because you know you probably SHOULD know....but you don't....so see if you can fake it with the lister....maybe I just list them and don't know either...oh not !  The next question was interesting..."Have you asked the bank how many days it will take them to accept the offer?"    Oh sure....and then I asked them if they were sending ME a closing gift instead of invariably cutting commission.  There is no shame in saying you don't know.....you are not completely familiar.....could the listing agent please explain....and hopefully the lister DOES get it...CAN explain it.  Unfortunately as much as I wish every lender was just sitting there waiting for me to send them a short sale package...there are hundreds of files on every Loss Mitigator's Desk. It is the job of our team to see that our package is put together well...written well, received promptly and that we know the mitigator and the mitigator knows us....and our sellers' property.

          We are trained CDPE (Certified Distressed Property Experts).  We have a team devoted to saving homeowners from Foreclosure. No matter where you live....whatever your hardship....divorce, unemployment, illness, death, adjustable mortgage....there are lots of reasons...and combinations of reasons....we can help you....give us a call...locally: 414-525-0563 or Toll Free: 877-525-0563 nationally. If you are not in southeastern Wisconsin, we can refer you to someone in your local area that can explain the alternatives to you. Know that someone understands.....we want to help you...you are not alone. We don't just list short sales, we close them.

  Some people have the very much mistaken impression that if a home is being sold as a Short Sale, the sellers must be dead beats...financially irresponsible Know Nothings.....No ambition to get a "real job"....Those people with THOSE THOUGHT PATTERNS ARE WRONG....Unfortunately,it has been our experience that some of THOSE people are Realtors !!!!

•      There are lots of reasons for hardship and more in a soft economy than there might be otherwise. Hardship is the reason for a short sale. Some examples that we have come across in the Short Sale part of our practice include:

                                 * Unemployment, reduced hours or compensation

                                 * Divorce

                                 * Job Relocation

                                 * Illness

                                 * Death or a parent or spouse

                                 * Forced Early Retirement

                                 * Adjustable Rate that adjusted beyond the ability to pay

                                 *Option Arms or "pick a payment" loans when the lowest payment was

                                     chosen too often due to financial condition

                                 * Overwhelming Medical expenses - loss of insurance due to job loss

Agents....when you leave showing report...when you are with your buyers...know that the condition of the house is the condition the sellers can afford...and if you are dealing with a listing agent that knows HOW to do Short Sales....and has not just READ about it.....the house is priced to sell...the sellers are in some sort of hardship situation...recognize it, be compassionate and understanding. Buyers know that the sellers are doing the best they can due to whatever their hardship circumstance and the patience you show while waiting for the lender's approval will be rewarded with the home you want at a price you would not normally pay.

If any or a combination of these situations sound like your own situation or someone you know...call us no matter where you are in the country and we will refer you to someone who has extensive short sale training and will be able to help you avoid foreclosure.  We know, we care, trust a professional.

The other day I got a call from an appraiser....she wanted to know why I would price a"perfectly good" property that had closed recently for a little OVER ASKING as I did.....all the other homes in the area had been $20,000 or more than our listing had been listed for...for what appeared to be fewer updates, worse condition, etc. I asked her to look at the days on market....."Oh....your listing sold MUCH faster !" No...it wasn't a short sale...or a foreclosure...it was a home in good condition...that we staged, had freshly painted, had "all dressed up and ready to sell....including the price !"  "We price to sell...not to sit !" I told her.....the phone got quiet...."I guess you're right," she mumbled quietly....and why wouldnt you....? The longer a home sits....the less the price...so why not try and get it right the first time !

    Today we completed an intensive course in better serving real estate sellers in Southeastern Wisconsin as Short Sale Specialists...now with this designation. ...a Certified Distressed Property Expert.  We flew from Wisconsin to Palm Beach, Florida and spent the last several days learning and studying to further be able to help sellers who are upside down with the mortgages through some hardship and no fault of their own. All of the 80+ realtors who were a part of this training were there and paid their way from various parts of the country because we all care....care about saving home owners from foreclosure....and doing it with the benefit of additional training,,,,not a quicky internet webinar, a book, an article...a form from a brokerage....we chose to make an investment in the economy of southeastern Wisconsin. We chose to take additional training at our own expense...for the class, for travel, hotel and meals....because it is important that if you offer a service....you do it the right way with as much knowledge about the process as you can possibly have on the subject or area of practice.

     We are proud to be able to use CPDE after our names....and invite....anyone, everyone who knows someone who is behind on mortgage payments who has a judgement of foreclosure....who fears or has lost a job, is going through a divorce, has had the death of a wage earner....has had a mortgage adjust beyond an affordable number.....Let us help you explore ALL the options.....don't let foreclosure be one of them....e-mail: Experts@WeSellUpsideDownHomes.com  or call:414-525-0563.  If you have a problem...we are prepared to be a part of the solution.

 The more short sales that we do....and the more we are educated about doing them....the more horror stories we hear about Realtors who were responsible for taking homeowners into foreclosure....or sometimes, short sale status, If the home would have been priced to sell...priced at what the comps showed the price should be....the seller may have made no or little profit...BUT they would not be in a short sale or foreclosure position.   They listened to the seller, they whine....they "needed" they money...oh Pulllllleeez....if you were an experienced, make that ETHICAL realtor you would know....and maybe you DID know that the house would never ever appraise for that "Wishful thinking" price for which you listed the property.

                                        It doesn't seem to matter what brokerage the agent is with...it can among the largest....or the smaller discount brokers.....it is apparently anyone who either doesn't bother to do a NET PROCEEDS SHEET...or doesn't care....OR doesn't know how to do a short sale.....OR just plain doesn't get it....unless you have a cash buyer who doesn't care about the value of the property and doesn't get an appraisal...there is ZERO opportunity for the house to be sold at the price the seller "needs."

     REALTORS.....be HONEST....if you have not had significant education (not a mention at a sales meeting and been passed a form to fill out or glanced at an addendum your company may have prepared) DO NOT ATTEMPT A SHORT SALE OR YOU WILL HAVE WHAT SHOULD BE GUILT FOR TAKING A SELLER INTO FORECLOSURE. MANAGERS AND BROKERS....DO YOU HAVE ANY IDEA THE RISK THAT YOU PLACE SELLERS AT WHEN YOU ALLOW AGENTS TO LIST SHORT SALES OR PROPERTIES THAT BE SHORT SALES ??? IF YOU DON'T QUESTION YOUR LIABILITY....YOU SHOULD.....

    SELLERS ...if you are behind on your mortgage payments...fear or have had recent job loss...illness, death, divorce....whatever hardship ....do not be embarrassed....be honest...call us and we weill refer you to a qualified short sale expert  anywhere in the country. Call 877-525-0563 or e-mail: Experts@WeSellShortSales.com.

 Sometimes, just getting to be in temperatures above zero in Wisconsin is enough to get your heart beating faster and we are doing that being in Palm Beach, Florida to begin our classes as Certified Depressed Property Experts.  We believe that there is no such thing as toooo much education....we have taken other classes....we have taken part in Webinars...we have read articles and books and look forward to Elizabeth Weintraub's new book on Short Sales.

   We have had broker/managers tell us "everyone does short sales....we talked about it in a sales meeting".....OR on the opposite end....there are realtors who have small comprehension of how much time, energy, effort,....and yes...expertise not to just LIST a short sale...But actually CLOSE a short sale...a little different story.

    We know we will be the only ones from Wisconsin at this training....we are proud of that....and glad that we will be able than ever to help home owners who find themselves "upside down" with their mortgage. When we return...we have two more listing appointments for Short Sales....and we are looking forward to what we view as "giving back" to the business that has been good to us.  We are experienced....we are dedicated to learning all we can and giving back all we can to people who really are doing the very best they can given their individual situations.

       If you choose to do short sales...please learn how to do them...if they aren't closing...it may not be the lender...take responsibility for what you don't know.  If you are a homeowner who is upside down, please, please do not choose a realtor without the experience, training and success with short sales...the credit you save will be your own. Call us no matter where you are in the country....we can recommend a local expert to explore all the possibilities you have in your unique situation. You are not alone..there is help....and we are here, professionally proud to give you just that.....To agents who do Short Sales....and know what they are doing...Make it about THEM...not about you and you will always be the winner.

  From the wide crown molding to the ceramic tiled window walled sun room...cozy fireplace...HUGE master suite...formal dining room...lower level with egress windows...professional landscaping...The four bedrooms everyone wants....the   2.5 baths everyone needs...on a lot of over 2 acres....Excpetional curb appeal...Gourmet cherry cabineted kitchen with pantry...9 foot ceilings....and a price you won't believe....Just $430,000 !  This is a Short Sale....No home sale contingencies....Detail you won't forget....at a price you will remember....Call us now....or you will miss the house of a lifetime you will regret not calling home ! 1918 Blacksmith Road - Prestigious Kaehlers Mill Sub-Division...Just 4 years new !

   WOW....here it is....3 bedrooms, 3 baths...outstanding open concept layout in this gently used condo with attached 2 car garage...gas fireplace, first floor laundry, soaking tub, separate shower, balcony and wonderful exposed lower level with HUGE rec room....full bath and bedroom...patio doors take you outside to the professional landscaping.  This pet friendly community also includes a club house for your entertainment enjoyment....it doesn't get better....and at the very best value pricing anywhere in Waukesha County....$255.555....

Kiss your snow shovel, lawn mower, ice chopper and edger good-bye....welcome home to this condo at Jacob's Ridge....the premiere condo development in New Berlin...conveniently located in the shadow of Brookfield...20 minute commte to downtown Milwaukee...or the Lake Country....Hard to find first floor with 3 bedrooms...you want it...we have it, come and get it  ! Just give us a call: 414-525-0563....7 days a week....You want the biggest, the most features at the best price...and here it is...178 West Jacobs Drive.

  Last night we got to see democracy at work....we got to see that every voice matters....that if you want a voice in city government....step up to the microphone...it matters.

   A  couple members of the city council....the department of public works.....spent tens of thousands of the tax payers hard earned money hiring outside engineering firms to conceive a variety of designs...the sidewalks went across the back of the lots of a number of homes...ours included....we don't want the additional six foot intrusion....and none of the neighbors did either. The council members who wanted the sidewalks romanticized them calling them sidepaths...bike paths....side ways...everything but what they are...sidewalks that need to be maintained, repaired, replaced, swept and shoveled...if not at the taxpayers' expense.....then at some point, when budgets get tight....as they are already...then the taxpayers who had adjacent property would most probably be expected to maintain them.....we just said NO....we had buttons printed, we printed brochures, we circulated petitions, we e-mailed the council, we encouraged neighbors to attend public works and council meetings....we networked....we just said no....THANK YOU ...Aldermen - Ament, Harenda, Hopkins and Wysocki...the people spoke and you listened....you know citizens most affected didn't want side walks, paths, ways....to pay for additional equipment and labor...or buy more of our own equipment and furnish the labor...

   There were people who wanted us to believe the decision had been made...it was all part of a master plan and we were powerless to change it.....It wasn't true....We didn't want to fight city hall...we just wanted them to listen...and happily they did ! 

   Don't complain about what you cannot change....work to change it !

   Whenever we have a listing appointment...Short Sale or Not and don't get the listing....you always want to know WHY....is there something we could have said or done differently that would have changed the outcome ? Did we omit something in the presentation that another agent used....Was it too long, too short....The answer for us, 99.9% of the time is always the same....we wouldn't BUY the listing....we didn't tell the sellers that they don't really have to short sale their home after all...it just needs the right promotion, our dynamite marketing plan....a video tour, more internet exposure, an additonal open house......THEN we can sell it for a price that will profit the seller, pay off the mortgages and liens and everyone will live happily ever after.

  Consider this PLEASE  Mr./Mrs./Ms Seller....If I could sell your house for more money...why wouldn't I do that ?  Realtors work on commission...Good realtors that are full service invest a lot in your listing...signage, photography, websites, networking, a marketing plan with promotion....If I could make MORE to recapture my costs...WHY wouldn't I do that ?  I have overhead personal and professional every month....I have a mortgage...I have to keep a car running...health insurance....etc., etc., etc....WHY WOULD I CHOOSE TO MAKE LESS MONEY ?

Sellers....lead with your head....not your heart....it's time to face the difficult part...your house will NOT sell for the price you had in mind, wished it would, thought it could, has not yet.  You have a wonderful home...we know you invested a lot of time, money and yourself in getting it to be the home you wanted it to be....and now it is time to move on....and sell it for what it needs to sell for...the only number it will appraise for.... If you are upside down on your mortgage and have missed payments....Call us now...let us help you find a realtor LOCALLY who knows the market and will sell your home...Don't go down the slippery slope of wishful pricing...start today to live happily ever after.

   If you were interviewing a real estate agent to sell your home today...

                                                 and could only ask one question

                                                                 What Would\Should it Be ?

  The question....that tells you the very most you will need to know in making a decision on which realtor to choose is:  "What was your list to sale ratio for the last year and how many (if required) price reductions did that average ?"

    If an agent has a handle on the market...has done her/his/their homework...they know how to price a home...AND if the market takes a slide AFTER a home is listed (not before and the agent bought the listing for whatever he/she/they thought it would take to get the business) ...the price has to slide with it.....Knowing how to price a listing, then following thru with a monitored marketing plan is the key to putting a sold sign out........

  Don't Play games with agents who Play "Buy Your Listing at ANY Price"...Know that their experience is what counts to get your home sold.