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Displaying blog entries 11-20 of 27

"Thank you for telling me a better way than foreclosure"

by Team Cook

Kevin Cook,

Thank you for telling me a better way than foreclosure. Your staff have been helpful with all the details and keeping me informed. When you worry like I do, it's always nice to be talking with someone friendly.

I'm not proud of this, but saw no other way.

A special thank you to Rose for always being so polite and kind. She does a great job and I wouldn't want it.

Thank you.
Ferlin

"The Short Sale was completed in record time.."

by Team Cook

Dear Prospective Client of Team Cook, Cottage Realty,

After a job loss in September of 2009 and the inability to find a new permanent position in a timely manner our mortgage fell into delinquency. After several months past we contacted Kevin Cook of Cottage Realty, whom we had originally purchased the home from.

Kevin advised us of the possibility of selling the home as a "Short Sale" in order to avoid foreclosure. We chose to utilize the services of Cottage Realty because another key member of Team Cook, Rose Lawrence is a certified Short Sale expert and with Connie Salazar and Kevin Cook's extensive knowledge and experience in Northern Colorado, we felt they would be the best qualified realtors to handle our situation.

Team Cook set into action with an aggressive advertising campaign which quickly found an enthusiastic buyer. The Short Sale was completed in record time, approximately three months, despite the process going through a new software program utilized by Bank of America. We were able to close days before the would-be foreclosure sale, and were able to salvage our credit to some degree. It is a great relief to have the process completed and to have avoided foreclosure. We owe many thanks to Team Cook for their assistance in achieving this positive outcome and would recommend them to anyone facing foreclosure and interested in pursuing a Short Sale, or anyone who needs a quality realtor for the Northern Colorado region.


Sincerely,

Hezi

"You saved me from foreclosure.."

by Team Cook

I would like to take this opportunity to thank you and your staff for all the help you provided for me. You have saved me from foreclosure and I really appreciate everything you guys did to make this happen. You just don't know how relieved I am right now. You guys performed a miracle and I will
definitely recommend you to anyone who is also in the same situation as I was.

You have gone 'above and beyond" to make this a very smooth process! I am really impressed how you always maintained a positive attitude even in light of some pretty stressful situations. I could not have done this without your team. This entire ordeal was very stressful for me and you did a great job of relieving me of most of that stress. You gave me a real solution to my terrible situation.

I just wanted to take a minute and thank Team Cook for all the hard work they have done for me. I know you have spent a LOT of time "fighting" to get the best deal for me and I really appreciate it.

Doug

"...I was on the verge of foreclosure..."

by Team Cook

After falling behind in my mortgage payments for several months, I was contacted by Kevin Cook at The Cottage Realty, ltd. As this was the first time I was on the verge of foreclosure,I had no idea what my options were. I also did not know what to expect as I navigated through this process.

Kevin explained that I had a number of options available and we discussed the pros and cons of each one as it applied to my circumstances. For me, it became clear that a short sale was my best chance of avoiding foreclosure.

I was highly impressed by Kevin's dedication to save my house from foreclosure. How can you adequately thank someone enough for giving you the opportunity to restore your family, your housing, and your future?

I owe a debt of gratitude to Kevin Cook for helping me.
I now have the ability to reach out to other distressed homeowners. I understand how difficult a time it can be.
I am excited that Kevin Cook has been helping educate
homeowners about their options to foreclosure. He has restored hope to many. If you are facing foreclosure,
then you understand what this really means.

Thanks to Kevin and his Team, I can now move forward and rebuild my future. He has bent over backwards to make the process as painless as possible.

Dwayne

Sold Homes in Berthoud Colorado!

by Team Cook

Congratulations Team Cook - you saved another homeowner from Foreclosure! 

Team Cook Successfully closed another short sale transaction in Berthoud!

JUST SOLD!
105 East Michigan - Berthoud, Colorado



ARE YOU FACING FORCLOSURE?! YOU MAY HAVE A BETTER WAY OUT!
CLICK HERE!

 

Homes Sold in Johnstown Colorado

by Team Cook

CONGRATULATIONS TEAM COOK - YOU SAVED ANOTHER HOMEOWNER FROM FORECLOSURE!!!
|Team Cook successfully closed this short sale transaction in Johnstown Colorado!

504 Pebble Beach - Johnstown, Colorado


WANT TO KNOW THE VALUE OF YOUR HOME???
CLICK HERE!

ANOTHER SUCCESSFUL SHORT SALE IN LOVELAND, COLORADO!

by Team Cook

TEAM COOK SUCCESSFULLY CLOSED ANOTHER SHORT SALE IN LOVELAND, COLORADO!

BAD THINGS CAN HAPPEN TO ANYONE...BUT YOU DON'T HAVE TO FACE IT ALONE! TEAM COOK, A CERTIFIED DISTRESSED PROPERTY EXPERT, CAN HELP YOU AVOID FORECLOSURE.

Call 1-800-266-7094 Ext 2329 24 hours a  day to learn how to stop foreclosure on your home without speaking to an agent. 

What is HAFA???

by Team Cook

HAFA is a foreclosure alternative...

CLICK HERE TO FIND OUT MORE INFORMATION ON HAFA!

A Short sale success in Berthoud!

by Team Cook

I just wanted to take a minute and thank Team Cook
for all the hard work you have done for me and to let you
know that I really appreciate it!

You have saved me from foreclosure and I really appreciate
everything you guys did to make this happen. You just don't
know how relieved I am right now. I will definitely recommend you to anyone who is in the same situation as I was.

You have gone "The Extra Mile" to make this happen and
I am really impressed how you always remained positive and
professional in some pretty stressful situations. I could not
have done this without your team. This entire ordeal was
very stressful for me and you did a great job of helping me
through this tough period in my life. You gave me a solution
when I didnt believe there was one.

Again, thank you.

Kent

Options for homeowners in distress

by Team Cook

Homeowners whose mortgage balance exceeds the current property value know the futility of trying to get a refinance. Refinancing options for so-called "underwater" mortgages are limited because most lenders require some equity in the property - ideally about 20 percent.

However, borrowers should not give up hope. Options do exist, especially via the government's Making Home Affordable program.

One of those options is HARP. If you meet certain criteria, your underwater loan may be eligible for a refinance through the federal Home Affordable Refinance Program. The program allows qualified borrowers to refinance a loan that is from 105 percent to as high as 125 percent of a homes value.

However, not every underwater loan qualifies for HARP. First, you must not be on the road to foreclosure. Any delinquent payments in the past 12 months will automatically disqualify you from eligibility. In addition, either Fannie Mae or Freddie Mac must own the loan. You can find a loan lookup tool and other calculators at the government's Making Home Affordable Web site.

Your ability to take advantage of HARP will depend on payment history and other factors including credit score, the structure of the current home financing and specific lender guidelines.

"Can it help everyone? No" Says Jason Bonarrigo, senior mortgage banker with Wells Fargo Home Mortgage of Boston. However, Bonarrigo has closed several HARP loans and says it's worth investigating eligibility.

"If refinancing through HARP can shave $300 or $400 off a monthly mortgage payment, it can sometimes make a difference between keeping and loosing a home down the road," he says.

Your second option is HAMP. If you not only have an underwater mortgage but also have missed payments, you may qualify for the federal Home Affordable Modification Program that is available through mortgage lenders.

To qualify, you must demonstrate financial hardship that puts your mortgage in imminent danger of default. The mortgage must be owned by Fannie Mae, Freddie Mac or by others signed up with the U.S. Treasury to qualify for HAMP.

While the program provides government incentives (of up to $1,500) to lenders to process these modifications, the ultimate approval rests with the lender.

"HAMP is not a refinancing program - it's a change to the contract terms...but it can lower your payments for up to 60 months," says Mickael Goldstein, a bankruptcy attorney and partner at Goldstein and Clegg in Lynnfield, Mass.
Article written by Marcia Passos Duffy - Bankrate.com

IF YOU HAVE TRIED WORKING WITH YOUR BANK AND HAVE BEEN UNSUCCESSFUL....LOOSING YOUR HOUSE TO FORECLOSURE MAY NOT BE YOUR ONLY OPTION! 

TEAM COOK AT THE COTTAGE REALTY ARE SHORT SALE EXPERTS! WE ARE CERTIFIED WITH A 100 PERCENT SUCCESS RATE.

CALL TODAY FOR YOUR PRIVATE CONSULTATION.

970-532-2695 OR 970-532-5900.

Displaying blog entries 11-20 of 27

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Team Cook Real Estate Services
The Cottage Realty Ltd.
908 Mountain Avenue
Berthoud CO 80513
970-532-2695
Fax: 970-532-2699

"I have truly heard and seen first-hand that Cottage Realty is wonderful, exemplary, and a real asset to the economy of Northern Colorado. I will definitely keep Cottage Realty in mind as my first choice if and when I have real estate needs in the future. Again, thank you so much. I will also refer you to friends and family who need your services. Sincerely...Stacy"