For more than 25 years my career has been devoted to helping families build financial security with Life Insurance, Mutual Funds, Employee Benefits and through the purchase of their homes.

Today we are in an financial crisis.  The values of our homes have lost 30 to 40% of their market value in the past 3 years.  The Banking industry contributed greatly to the decreasing values of our home.  Now we find them uncooperative as the plauge home owners with calls from India looking for their payments and threats of foreclosure.

The Web page Home Value vs Loans will help you use the right sources for home value study. The first step to the right decision for your family is gaining professional input into the true market value of your home today as it is now compared to a Down Market in which 65% of all sales are Short Sales and Foreclosure properties.  This will show that your home has lost more than 30% of its 2006 value.  The new decreased value of your home must be then measured against the total value of all loans against the property.  How do the two amounts compare?  For some who have owned their home before 2006 they may still have a small amount of Net-Equity, if they have not refinanced and taken money out of their home.  For most home owners you have a Negative-Equity, you own more than the home is now worth.

What can you do now?  It may depend on the amount that you are now up-side down in your property.  The Short Sale Time Line page of this web site tries to present some reasonable choices for owners that are from $0 to $50,000, $50,000 to $100,000 or for those that are more than $100,000 negative in their homes.

The web page Buyers for your Home explores a new source of Buyers that are ready and willing to pay a Fair Market Price for your home so that you can avoid a Short Sale or Foreclosure.

The page Equity/Holding/Trust explains safe why to sell you home in less than 30 days to eliminate the negative cash flow on your home that your family can no longer afford with decreasing family income. 

The page Homes for Bad Credit is a story of hope for families that have now had a Short Sale, Foreclosure, or Bankruptcy that has destroyed your Credit Score by 100 to 200 points.  The Equity Holding Trust will allow a family with low Credit Score, Low Down Payment, No Loan Application or Bank Approval to Buy your next Home.  Leasing a home is the worst possible choice to building financial future for your family.  If you have a large ($100,000+) taxable income your new home payment using the Equity Holding Trust will be LESS PER MONTH than your present lease payment.

Take a step that will help you may wise Financial Decisions concerning your home and financial future.  Call for a free initial visit to discuss your Home vs Loans Values.