When you start talking to the bank, no matter how nice the person on the other end of the phone might sound (if you actually get to talk to a human being) they only have one goal – reduce the banks loss and get the most amount of money out of you that they can. You need a plan and you need some leverage on your side to make the banks agree to a resolution that works for you. That’s where Nest Financial comes in. You need a team that will fight for you and provide you a strategic approach achieving your goals. This may include:  

• Short Sale – A short-sale simply means that the proceeds from sale of your real estate is less than the amount owed. A short sale can often be accomplished for a fraction of the cost of bankruptcy. The short sale process can be daunting but it also allows the opportunity to negotiate with all parties involved – second & third lien holders, HOAs, tax liens, etc. – usually at no cost to you. Nest Financial specializes in negotiating with creditors and getting short sales approved by all parties involved
• Bankruptcy – You may have more going on in your life than just a distressed property. At Nest Financial we are not attorneys and cannot advise you on your options for bankruptcy. But we can give you this advice: even while working with us you should ABSOLUTELY also consult with an attorney. We work with our client’s legal counsel using the short-sale as one part of the overall strategy to negotiate the bank into a position that is in your best interest, not theirs. If you don’t already have an attorney, we will gladly provide you a list of several that we work closely with.

Let’s be clear. The banks are not on your side. They don’t care where you end up as long as they get the most money possible. You’ve read the news – they have broken the laws of foreclosure in multiple states, misrepresented homeowners options, and most of all – they are playing the con game that if you default on your loan you are a terrible person. At the same time, many of these large banks have defaulted on their own obligations, taken billions of dollars of government lending and are now seeing record profits. It’s time to fight back on an even footing. To do that you need a take-no-prisoners team which would include Nest Financial, a top notch real estate agent with short sales experience, and an attorney you can consult with for all of your legal options.