How Savvy Homeowners are Using Short Sales to Avoid Financial Ruin

San Diego, CA -- (SBWIRE) -- 08/16/2012 -- This is the story of Adam Truman and Bob Bowder. Adam and Bob met their first year in college. They hit if off right away thanks to their mutual love of baseball, craft beers, and vintage muscle cars. Even though very different people by nature, when they were together everyone would always smile.

Right after graduating, Adam and Bob both found jobs working in the same company. Adam’s personable nature and flair for creatively solving problems made him the perfect fit in marketing. While Bob’s tenacity and head for numbers made him a natural in sales. Being ambitious and well liked at work, they climbed the ladder with great success. Neither really thought about what the future would bring, but Adam and Bob were really in for a surprise. Adam met Cathy, and Bob met Debbie, who were also best friends. They were both married by springtime after dating less than a year. Each was the best man and bridesmaid in the other’s wedding. It really seemed only right. The four of them were practically inseparable, like friends in a sitcom.

It was the perfect time to find a place they could call their own.

Cathy finds a lovely new development in one of the nice parts of town. With the help of Debbie, she convinces Adam and Bob to buy the two houses right next to each other. A home within a culde-sac with cream brick façade surrounded by maple trees, a wonderful place for kids to grow up. It didn’t take long for children to come into the picture.

Adam and Bob each take out a mortgage of $400,000 to buy their new homes. Though it seemed a little excessive with a family on the way (and thinking of at least two kids) it made sense to have room to expand. Besides, they could both afford it, even with Cathy and Debbie taking time off.

As the years pass by, Adam and Cathy were blessed with Jason and Emily, while Bob and Debbie had Kyle and Ashley. At that moment their lives were just about perfect. Everyone was healthy and happy, and they could not have asked for more.

Then the economy took a downturn. Adam and Bob both lost their jobs when the company they worked for went bankrupt. Cathy and Debbie both just had their second child, and were not ready to return to work yet.

Luckily Adam and Bob had been smart, with ample savings to live off. They were both experienced and had good references, and would surely find a new job soon. They never thought of selling the homes they worked so hard to get. When they checked the latest housing prices in their neighborhood, Adam and Bob were even more determined to get through this bad turn of events.

The house down the street sold for less than $300,000 and there was no way either wanted to accept that kind of loss (remember they bought their house for $400,000).

Months pass and neither Adam nor Bob have any luck finding new work. Cathy and Debbie had little luck themselves, finding only low-paying menial work, not even closely related to their degrees. They took the jobs anyway so Adam and Bob have more time to find something.

Even then the money is not enough to cover the mortgage, car payments, and all the bills. Every month they watched their savings dwindle, and with no good job prospects in sight, things start getting a little desperate. It now looks like they might not be able to make their next payment.

Adam and Bob start talking to their bank to discuss their options. The bank offers to modify the mortgage but Adam doesn’t like the idea of just delaying the inevitable. You have to have a job to qualify for a loan modification, which he does not. (modification could mean a reduction of monthly payment) With savings dwindling, Adam didn’t want to risk everything so he could have a few more months of possibly fruitless job searching.

Even with a lower monthly payment, he would not be able to afford the mortgage due to being unemployed. Adam said “There’s no way I’ll put my family through foreclosure, I’d rather sell it and start fresh!” Adam decides to put his family’s home on the market. Bob decides to modify his loan as he is sure he will find a job in time with his salesmanship skills.

His savings take a huge dent, but he figures out that he will come out ahead in a few years as long as he finds work soon.

Bob said “I don’t want to lose my home; I’ve worked too hard for it!”

More months pass, and neither Adam nor Bob have any luck finding work.

Adam does some research and finds out about short sales. He talks to a short sale expert who advises him on what to do next.

While the agents start putting together a financial package, Adam writes a letter to the bank talking about his financial hardships.

In less than one month Adam and his real estate professional receive a firm offer to buy the house for $310,000 in cash. Even though its $90,000 less than he paid for it, Adam takes the offer to the bank, but they reject the offer price. The bank asks for at least $340,000.

Undeterred, Adam and his real estate professional work with the bank diligently to get his offer approved. Using current market comparables, detailed statistics and by staying in close contact with the bank they continue the path towards a short sale.. By this point Adam was dangerously close to exhausting his savings, and had already missed one mortgage payment.

Bob has now exhausted his savings. He misses his first mortgage payment, but hopes the bank will leave him alone until he can find a buyer.

The bank sends him a letter which he hides from Debbie. “I don’t want her to know” Bob tells himself. He starts using credit cards to pay the bills.

Adam takes his carefully prepared financial package, hardship letter, and offer to the bank once again.

His real estate professional spends the next few weeks negotiating until the bank finally agrees to accept the offer of $310,000 in cash. The bank agrees to accept the offer as payment in full, and the sale closes in less than 3 months after Adam first received the offer. Adam walks away debt free from his mortgage.

Bob has now missed 3 months of payments, and the bank finally sends a Notice of Default. Bob has now maxed out his credit cards and has no way of paying the back-payments, interest charges and additional legal fees.

After admitting to Debbie their real financial situation, Bob reluctantly puts the house up for sale. Bob finds no firm offers in time, and the bank forecloses on his home. Bob is sued by the bank and is taken to court by his second lien holder. The bank demands full payment of the loan, but he has no way to pay the back payments, let alone the whole mortgage. The court rules in favor of the bank, and the bank is now after Bob for the entire loan. While all of this is happening, the bank sends an eviction notice to Bob.

The Truman’s manage to stay in the same city and rent a home similar to the one they short sold, while Adam continues to look for work. With Cathy earning minimum wage they manage to keep afloat with some difficulty. For right now, the Trumans can wait for better things to come.

The Bowder’s are now broke and homeless, with a huge amount of credit card debt. They are forced to file for bankruptcy which completely devastates his credit rating. They are forced to move in with Bob’s parents out of state.

So what happened to Adam and Bob?

Adam and Bob both find great jobs a few months after losing their homes. Adam gets an executive position in a local marketing firm, while Bob finds a position managing his own sales team with an international distributor. They both move to new cities.

Since Adam avoided foreclosure, his credit rating took only a minor hit due to the short sale. After working for 6 months (10 months after short selling the house), Adam is able to secure a new loan. He buys a new house just like the old one, for a much lower price (the housing prices finally working in his favor), and the Truman’s move into their new home. Their struggles a distant memory.

Bob and the Bowders manage to get back on their feet as well, but with a foreclosure and bankruptcy appearing on Bob’s credit report for the next 7- 10 years. No bank is willing to give him a new loan for a house, or even a new car. The Bowder’s are stuck renting (and buying used cars with cash) until the foreclosure and bankruptcy disappears from their credit report.

The Trumans and Bowders still keep in touch and remain great friends throughout this whole ordeal, although they both followed very different paths despite very similar circumstances. While Adam and Bob both eventually recover from losing their jobs, Adam virtually wipes away the experience by acting fast and cutting his losses before they became unavoidable. Bob stuck around too long and suffered the consequences that are unfortunately all too familiar for the average American homeowner today.

This scenario was based on several real cases, and is not a true story. These experiences may not be exactly what you go through, but are very similar to what has happened to millions of families across America.

How can you avoid Bob’s fate?

If you know that you cannot afford to keep paying your mortgage, and that your house is worth less than what you owe, it is time to stop hiding, and start dealing with the situation.

We are not pretending that short sales are magical deals that will solve all your financial problems. This is simply a solution that can remove the overwhelming financial pressure you are facing right now and allows you to move on with your life.

The alternative is hiding (which you can’t do for long), ignoring the problem until its knocking at your door (literally), foreclosure (and possibly bankruptcy) which will ruin your credit. All of which you can avoid if you want to. Right now you can decide the best thing to do for yourself and your family, or you can let the bank decide that for you (and we know they’re not that interested in your wellbeing). Foreclosure is a ticking clock and the chances of failure increase exponentially the longer you wait.

A Short Sale Will Help You:

Avoid Foreclosure
Avoid Bankruptcy
Protect Your Credit
Get the Bank to Agree to Your Terms
Walk Away with Your Debt Paid in Full

Information about Short Sale San Diego

Short Sale San Diego is a local real estate company that specializes in foreclosure prevention by providing options for homeowners who are experiencing difficulties with their mortgage. Our knowledgeable agents and short sale negotiation team are licensed by the Department of Real Estate and collectively have over 20 years of experience in the real estate and banking industries. Over the years we have helped hundreds of families and individuals throughout the San Diego area.

We understand the stress that is related to not being able to make your mortgage payment. At Short Sale San Diego our goal is to provide you with the information and options that you need to make an informed decision about what steps you need to take. We make it our number one priority to putting our clients in a better position for the future and we want you to know that we are here for you every step of the way. You can be assured that by choosing Short Sale San Diego you will be partnered with a business that you can trust will provide you with excellent service and results that cannot be matched.

Short Sale San Diego Highlights:

- Highly Experienced & Licensed Short Sale Negotiators
- Knowledgeable Agents that Specialize in the San Diego Market
- We Do Not Charge Anything for our Service
- Alternative to Foreclosure

Regain your Financial Freedom:

If you would like to find out more about Short Sale San Diego or would like to schedule a free consultation with a Short Sale San Diego agent, call us at 619-825-0000. We are more than happy to explain how the short sale process works and together decide if Short Sale San Diego is the right company for you.

For more information on this press release visit: http://www.sbwire.com/press-releases/a-short-sale-story-this-could-happen-to-you-159081.htm

If you intend to improve your chances of getting approved for the federally backed home affordable modification program (HAMP), then you need to take advantage of help provided by an expert at the earliest.

Madison, WI -- (SBWIRE) -- 08/16/2012 -- This is because the eligibility guidelines that apply to HAMP can be quiet complicated to understand and interpret and at times even legal professionals find it difficult to grasp them in detail. But agencies that provide mortgage service assistance employ experts who could be well versed with the HAMP qualification criteria and process requirements. For them it is everyday work and hence, when you seek their help, you may derive the much needed guidance.

Loansstore offers professional services online to guide borrowers in navigating through the HAMP procedure as well as in assisting them to prepare the necessary paperwork which is required to enhance chances of getting an early approval.

The basic eligibility guidelines that regulate the HAMP loan modification schedule are mentioned below. Determine if you can satisfy them right now.

- Make sure that the home for which mortgages are to be modified in owned by you and is your primary residence.
- You may be eligible to modify your existing mortgage loan if it has been sanctioned on or before 1st of January, 2009.
- Check to ensure that the level of your unpaid mortgage loan principal is less than $ 729,750 for a single unit family home.
- Maintaining regularity in paying current monthly mortgage installments for the past 12 months needs to be ensured.
- Your financial hardship situation has to be foreseeable and your lender must get convinced with the reasons you offer.

http://www.loansstore.com/mortgage-refinance-loan-application.php">Click here to know more about qualifying for the HAMP home loan modification!

There could be few additional qualification conditions; an expert could help you to know these. If you are HAMP eligible, you need to start preparing the desired documentation which has to be submitted along with your HAMP application. If the documents provided are not improper or not sufficient, the procedure for getting an approval could take a lot of time or it might denied as well. But if you have a specialist to assist you in your task, you could be much better placed to prepare the exact type of papers that is demanded by lenders.

Loansstore, which provides specialist guidance for HAMP as well as HARP program options online, could actively assist you to find out if you can qualify for any of the government mortgage assistance programs. In addition, you may be helped to secure a solution which is very much affordable and favorable to cater to your unique financial needs and requirements.

For more information on this press release visit: http://www.sbwire.com/press-releases/derive-expert-assistance-to-get-hamp-loan-modification-now-159173.htm

IWantProperty.co.za is a new website that caters to anyone looking to buy or rent a property by making the process virtually hassle-free and have sellers compete for business.

Arcadia, Pretoria -- (SBWIRE) -- 08/16/2012 -- Showing real estate boom in South Africa, studies reveal that investments in the country have presented an actual total return of 15.1% in 2011. In fact, the South African commercial real estate trumped those of 16 other countries. Recent trends are indicative of relaxed and confident buying of buying of homes, farms and commercial properties.

IWantProperty.co.za is the brand new platform that allows people in South Africa who are looking to buy or rent house find the kind of property they want. By simply checking out the website and using its built-in search engine, customers seeking for a property can locate and find exactly what they are looking for.

Essentially, iWantProperty.co.za enables a seller of developer to locate prospect buyers of property in Pretoria, property in Cape Town and property in Johannesburg and present them with an offer. Instead of the buyers spending precious time searching, they simply post what they want on the website and wait for property owners to contact them. People from all over the world can post their property wanted in South Africa.

Visitors can opt to search by keywords, or fill out a form with information relating to their search. The online form allows property finders to clearly indicate whether they intend to find a property to buy or rent; the location of the property they want; property area in square feet; number of bedrooms and bathrooms; and price range. As a result, instead of buyers having to search for the property they want, they only have to post their property wants and let the seller seek for them.

To guide visitors even further, iWantProperty.co.za also features various properties for sale or rent, indicating completed details for easier finds.

To know more about the Internet-based property finder services in South Africa, please visit http://www.iwantproperty.co.za for information.

For more information on this press release visit: http://www.sbwire.com/press-releases/new-website-iwantproperty-helps-buyers-post-property-wanted-in-south-africa-and-around-the-world-159064.htm

Discover How Easy It Is To Receive a Hot List of Foreclosed Homes in Grand Rapids MI

Grand Rapids, MI -- (SBWIRE) -- 08/16/2012 -- Buyers who are looking for great Grand Rapids foreclosures are in luck. Since this area is becoming one of the best places to own a home, Josh Schoenly of Retechulous, LLC believes that there are plenty of opportunities for people to strike an amazing deal that will make for a perfect long-term investment.

Schoenly says, “People can now immediately access the most up to date information on all foreclosed and distressed properties each week right from the comfort of their own homes. Since there are new listings being released continually, it is vital that potential buyers invest enough time into researching the market. This will give them an added edge against competition, by helping to ensure that they have a better overall understanding of Grand Rapids foreclosures and local neighborhood prices.”

Money Magazine released a projected calculation on Grand Rapids rental rates, indicating that these should increase by approximately 15% over the next 3 years. In this light, continuing to rent a house may no longer prove practical or financially wise. Therefore, now is the best time to consider purchasing a foreclosure property for sale.

Doug Hansen of Five Star Real Estate adds, “With this projection, rental rates will no longer be reasonable for people. That is why we are encouraging our buyers to consider foreclosed homes. In today’s market, there are some phenomenal deals that can be marked down to as low as 43% of market value. When Grand Rapids foreclosures are purchased right, this can amount in a huge cost savings and help ensure that a buyer has plenty of equity built into each property right up front.”

Therefore, start searching for Grand Rapids foreclosures right away! Visit the link either right above or below in order to obtain more information and receive regular updates on the finest deals available.

About Retechulous, LLC
Retechulous, LLC is focused on providing buyers and sellers with the finest and most innovative online tools to help find or promote properties throughout the U.S. To begin searching for loads of great property listings, go to Grand Rapids foreclosures for sale right now!

For more information on this press release visit: http://www.sbwire.com/press-releases/research-all-grand-rapids-foreclosures-for-sale-every-single-week-reports-schoenly-of-retechulous-llc-159121.htm

Everything you need to know about how a short sale will affect your credit score.

San Diego, CA -- (SBWIRE) -- 08/17/2012 -- A short sale has become the most popular option among homeowners who are upside down or in other words owe more on their mortgage than the home is worth. A short sale means that you sell your property for less than what you owe and in turn the bank or lender generally agrees to waive the balance of the loan. Since there is no “short sale” term that is used by the credit bureaus the first item you need to understand is how a short sale is reported on your credit report.

When you short sale your house and the lender agrees to accept an offer for less than you owe the effect on your credit report will almost always be negative. In most cases the mortgage lender will report a short sale “account settled” or “account settled for less than full”. This means that you reached a settlement with your lender to accept less than what you owed and the remainder is written off as a loss. It would be a rare occurrence for the lender to report your account as being “paid” even if you were current at the time of your short sale. If by chance they did report as “paid” you would have no effect of the short sale on your credit. This of course is assuming that you are current on your mortgage at the time of your short sale.

In most cases the biggest effect on the credit from a short sale is from the homeowner missing mortgage payments. Missed mortgage payments can have a huge negative impact on a homeowners credit score by up to 200 or more points. Although it is possible to complete a short sale by remaining current on your mortgage payment most homeowners are unable to do so due to a financial hardship, which is ultimately the catalyst that allows a short sale to be approved.

In the past any remaining balance after a short sale would be considered income in the form of tax form 1099c that would be issued by the mortgage lender. Because of mortgage crisis and the huge number of short sales the federal and state tax code was amended to allow homeowners to avoid paying the taxes. *Please note that the federal tax bill that helped homeowners avoid this income tax expires 1/1/2013. You should consult with a tax professional before you begin the short sale process.

Short sales are basically settled accounts and are similar to a charge off account in the eyes of the credit bureaus. There is more negative weight involved because the account was a mortgage.

Here is the best advice on the effect of a short sale credit;

The ultimate goal to a short sale is to end the immediate effect of a toxic mortgage, avoid foreclosure, accept the short term detriment to your credit and move on to rebuilding your credit. Starting now is a good a time as any.

For more information on this press release visit: http://www.sbwire.com/press-releases/short-sale/short-sale-credit/sbwire-159247.htm

Real help for struggling California homeowners is now available through the new FHA streamline refinance program.

Valencia, CA -- (SBWIRE) -- 08/17/2012 -- California mortgage lender, Jason Richardson has finally announced the release of the FHA Streamline Refinance program which can really help struggling local homeowners since qualifying for this program is easier than ever.

Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with FHA home loans.

HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.

Thankfully, a real effort has been made to assist California borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.

This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more California homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.

What is really different about the new FHA Streamline refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now &aposno-cost&apos refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.

When asked about the new FHA streamline program benefits Jason Richardson of Richardson Lending Group said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before".

Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting http://valencialender.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/california/mortgage-expert/sbwire-159260.htm

Las Vegas, NV -- (SBWIRE) -- 08/20/2012 -- Blake Burr, the owner of Copper Creek Construction, has recently achieved the prestigious Certified Remodeler status from NARI, the National Association of the Remodeling Industry. To earn the esteemed CR designation, the Las Vegas general contractor had to pass an in-depth test assessing his knowledge and skills in more than 20 remodeling task areas, including business methods and practices, building codes and construction law, planning and building site layout and more. The NARI CR program also evaluated Burr’s skills and expertise as measured by other professional remodelers, as well as customers.

According to Burr, “Our objective with all jobs is to provide a quality product, ensure fair and consistent pricing, provide timely completion of projects, and supply the best customer service possible to every one of our clients. I am honored and thrilled to have achieved the CR designation from NARI and intend on continuing to uphold our company’s mission.”

As a CR, the general contractor in Las Vegas must abide by the NARI Code of Ethics and the NARI Standards of Practice. This provides customers with an extra layer of assurance regarding the superior service and remodeling work they will receive from the professionals at Copper Creek Construction.

As the premiere Las Vegas general contractor, Copper Creek Construction offers a wide range of services, including room additions, kitchen remodeling, bathroom remodeling, whole home remodeling, garage conversion, handicap accessibility conversions, insurance repairs, temporary board up, emergency water extraction, fire damage repair, flood damage repair, mold damage repair, wind damage repair, commercial tenant improvements and commercial remodeling. The company also features 24-hour emergency response, computer generated estimates, digital photos and diagrams on request and construction consulting services.

Copper Creek Construction employs experienced professional in the areas of carpentry, paint and drywall, and carefully screens subcontracts to provide customers with top-notch service.

For more information about Blake Burr’s recent Certified Remodeler designation or to learn about the large selection of services offered by Copper Creek Construction, visit http://www.coppercreekconst.com/

About Copper Creek Construction
In business since 1998, Copper Creek Construction is a full-service general contractor specializing in insurance restoration in the Las Vegas Valley. The company features more than 60 years of accumulated experience in the construction field among their key personnel. Copper Creek Construction facilities include a 3,000 square foot warehouse and 4,000 square feet of office space. For more information, contact:

Copper Creek Construction
5980 Topaz St.
Las Vegas, NV 89120
702-898-7873

For more information on this press release visit: http://www.sbwire.com/press-releases/las-vegas-general-contractor-blake-burr-achieves-prestigious-certified-remodeler-status-from-nari-159418.htm

Bolingbrook, IL -- (SBWIRE) -- 08/20/2012 -- Jeff True, Vice President of Operations at Hursthouse, Inc., a landscape architect and contractor firm based in the Chicago area, recently took on a notable additional responsibility.

True is now the Secretary/Treasurer on the Executive Board for the Illinois Landscape Contractor Association. ILCA, as it is commonly referred to, is made up of about 900 companies that form a trade association that works to better the industry. Prior to his new position, True had been on the Board of Directors for the ILCA.

As True noted, the ILCA is one of the largest “green” industry associations in the country and it works very hard to provide educational opportunities as well as trade shows, social events and staying on top of legislative issues that affect the industry’s business and clientele.

True’s new role is one of many ways that the landscaping Chicago area Hursthouse Inc. strives to be one of the most successful and well-rounded firms of its kind. True firmly believes that the home and garden are some of the greatest treasures in life. Using his skills as a designer, engineer, manager and planter, True will bring a vast amount of knowledge in several diverse areas to his new position.

True’s commitment to excellence is part of what sets Hursthouse aside from other landscape architect and contracting companies. From the day it opened for business in 1990, the landscape design Chicago firm has had one key goal in mind: putting people first.

“At Hursthouse, we want every element of your outdoor environment to be perfect,” an article on the Chicago landscape architects website noted, adding that while each landscape solution is unique, the way the firm gets there is always the same—through its six-step Landscape Fulfillment Process.

“The Landscape Fulfillment Process is a proven, systematic approach that helps us create a shared vision of your project...and then do everything needed to ensure its success. We continually collaborate with you about what’s next, so there are never any surprises.”

For homeowners who are looking for one-of-a kind landscaping Naperville IL area Hursthouse Inc. takes the time to understand what is important to each and every client. By connecting their clients’ lifestyles and values to their outdoor environment, each member of the Hursthouse team helps people enjoy their landscape as “More than just a View™.”

About Hursthouse Inc.
Hursthouse Inc. is a landscape architect and contractor firm that is located in Bolingbrook, Illinois. The company specializes in creating extraordinary outdoor environments that both enhance and reflect people’s lives. The firm’s culture is based on vision, integrity and performance, as well as providing the best customer service in the industry. For more information, please visit http://hursthouse.com

For more information on this press release visit: http://www.sbwire.com/press-releases/landscaping-chicago-company-hursthouse-incs-vp-of-operations-jeff-true-has-new-role-with-the-ilca-159533.htm

Sydney, Australia -- (SBWIRE) -- 08/20/2012 -- Stainless steel grates and drainage channels are becoming increasingly popular in homes and businesses for their numerous benefits, which include impact, fire, and heat resistance, a modern appearance, and long-term value.

Customers seeking modern drainage fixes that can withstand the test of time are consulting the experts at Sydney-based SAS Drainage Solutions. The stainless steel grates company is pleased to introduce their 316 grade stainless steel Drainage Grates and shower grates line that is perfect for both residential and commercial application.

SAS Drainage Solutions’ drainage grates and Shower Grates are available in 5 Grate Styles and three standard widths. The Australian shower grates corporation’s drainage solutions are made of high-quality, high performing 316 grade stainless steel, complete with a modern and stylish design. SAS Drainage Solutions’ competitively priced items made of 316 grade stainless steel have been referred to as “marine grade stainless steel” products because of their unique, high corrosion resistant properties.

In residential instances, SAS Drainage Solutions’ grates are most popularly used in balconies, driveways, pools, and showers, but food and beverage companies, hospitals, shopping centres, entertainment venues, and hotels are reaping the benefits of their effective drainage systems, as well.

For example, SAS Drainage Solutions’ shower grates drain water faster than a circular drain. An article on the company’s website explains that “a linear shower grate can also be used as a wet/dry barrier, eliminating the need for a shower door”—a great solution for people with disabilities who have trouble getting in and out of the shower. Additionally, installation is simple and tiling is a breeze, should a client need customisation done.

SAS Drainage Solutions offers custom designs for any client if their standard pieces do not meet their needs. The stainless steel grates manufacturer creates all of their goods in Australia, and anyone interested in becoming a wholesaler of SAS Drainage Solutions’ products is encouraged to contact them through the form available on the website.

About SAS Drainage Solutions
SAS Drainage Solutions is an Australian owned and operated company based in Sydney. They supply a range of stunning, high-quality, 316 grade stainless steel Drainage Grates and Shower Grates—all of which meet the highest of standards, provide superior anti-corrosion and durability, and are a cost effective, long-term solution. All of SAS Drainage Solutions’ products are manufactured in Sydney, and are suited for both commercial and residential application. For more information, please visit http://sasdrains.com.au/

For more information on this press release visit: http://www.sbwire.com/press-releases/drainage-grates-and-shower-grates-by-sas-drainage-solutions-now-available-for-purchase-159534.htm

Great Foreclosed Deals Are Ready for Purchase

Alpharetta, GA -- (SBWIRE) -- 08/21/2012 -- According to Josh Schoenly of Retechulous, LLC, there are many foreclosures in Alpharetta GA that would make a wonderful home for young families. Plus, with so many different sized properties and great neighborhoods to choose from, buyers should be able to locate their dream property in no time.

Schoenly reports, “Living in Alpharetta is going to offer both you and your children a wonderful experience. Some of the best local schools include Alpharetta High School, Chattahoochee High School, and Autrey Mill Middle School to name a few. There are many great sports and music programs available for kids of all ages too. Thus before making your final purchase, be sure to review each district when researching foreclosures in Alpharetta GA. For the adults, you&aposll find plenty of challenging courses to test your skills such as River Pines Golf Club and White Columns Golf Club. After you play a quick nine holes you may want to visit the Village Tavern, which offers everything from pizza and burgers to your favorite steak.”

Foreclosures in Alpharetta GA can provide buyers and their families with a great home and also a fantastic community. Buyers will be hard pressed to find a friendlier and more laid back community, which makes it easy to fall in love with Alpharetta.

Schoenly continues, “Finding the perfect home in Alpharetta GA is fairly simple. With our property search tool, you can locate all foreclosures in Alpharetta GA and other local areas such as Cumming and Marietta. Those who commute to work can also find amazing deals within the city or close to public transportation.”

Therefore, in order to start searching all foreclosed properties right away, view the link provided right above. This will immediately take you to a search page.

About Retechulous, LLC
Retechulous, LLC is focused on providing buyers and sellers with the finest and most innovative online tools to help find or promote properties throughout the U.S. To begin searching for loads of great foreclosure listings, go to foreclosures in Alpharetta GA right now!

For more information on this press release visit: http://www.sbwire.com/press-releases/foreclosures-in-alpharetta-ga-will-be-an-excellent-choice-for-young-families-reports-schoenly-of-retechulous-llc-159501.htm

Find Discount Deals Using a Free Property Search Tool

Indianapolis, IN -- (SBWIRE) -- 08/21/2012 -- Due to the amazing discounts that foreclosed homes in Indianapolis can provide, it is no surprise why many buyers will research these homes when considering their next purchase. Plus, Indianapolis also provides an attractive community of people, heritage, and culture, which makes it very hard to let one of these deals pass by.

Josh Schoenly of Retechulous, LLC says, “One of the best reasons for buying a foreclosed property in Indianapolis is that buyers can find staggering discounts on homes, even up to 50% or more below their actual market value. Additionally, the city is home to various beautiful residential communities, which include Southport, Broad Ripple, Beech Grove, and many others. Buyers will also be impressed with the spectacular sites that are offered by well-known locations like White River State Park.”

Foreclosed homes in Indianapolis can put buyers at the center of great entertainment and recreational activities too. For example, the city is home to the greatest children’s museum as well as the Indianapolis Zoo. Or learn about the area’s history at the Jacob Whitcomb Riley Museum or the Indiana War Memorial Plaza. All these features and many more make the city a desirable location for interested buyers.

“There are various types of foreclosed homes in Indianapolis that people can purchase. As a result, buyers must take time to weigh the advantages and disadvantages of each type of property and decide which can be the most beneficial. Each comes with its own set of unique features and perks, yet it is wise to be on guard against any liens or repairs that may be included,” reports Schoenly.

Those who are interested in viewing foreclosures and working with a qualified local professional can instantly access more information using the link above. This will immediately take buyers to the most current list of properties available.

About Retechulous, LLC
Retechulous, LLC is focused on providing buyers and sellers with the finest and most innovative online tools to help find or promote properties throughout the U.S. To begin searching for loads of great foreclosure listings, go to foreclosed homes in Indianapolis right now!

For more information on this press release visit: http://www.sbwire.com/press-releases/foreclosed-homes-in-indianapolis-can-be-purchased-for-a-small-fraction-of-the-full-market-value-says-schoenly-of-retechulous-llc-159502.htm

Search All Foreclosed Properties For Sale in One of America's Greatest Cities!

Columbus, OH -- (SBWIRE) -- 08/21/2012 -- Choosing from a great selection of foreclosed homes in Columbus Ohio is the best choice buyers can make according to Josh Schoenly of Retechulous, LLC. And based upon future projections of improving sale prices for the area, there is now better time to act.

“Fiserv is forecasting an increase in prices of around 4.2% over the next year and a half, which is promising for those currently investing in homes. Though markets everyone realized a decrease in overall home values and prices overall, the future is looking fairly bright for Columbus. It is important to note that prices on foreclosed properties are still at historically low prices however. Therefore, it is ideal for people to start researching foreclosed homes in Columbus Ohio now if they want to reap the most benefit,” says Schoenly.

You can also enjoy some great dining experiences in Columbus that offer some of the best lobster you&aposve ever tasted or your favorite juicy steak cooked just the way you like it. After a great dining experience, you may want to visit some of the local art galleries that offer beautiful pieces that can give your new home the perfect look.

There is a lot to look forward to for those who are just moving to the area. Columbus offers plenty of rich history and a very unique heritage, which makes this particular area of Ohio stand out from many other cities. For example, foreclosed homes in Columbus Ohio will expose people to places such as the German Village, which takes visitors back in time to when the German immigrants first began to settle.

Schoenly continues, “With such a wide array of attractions and natural beauty everywhere you go, there are so many great neighborhoods that families can consider. This is by far one of the liveliest and most interesting places to live, so people will never run out of fun things to do and enjoy.”

Want to start searching all properties in Columbus now? Simply click the link above to immediately get started right away.

About Retechulous, LLC
Retechulous, LLC is focused on providing buyers and sellers with the finest and most innovative online tools to help find or promote properties throughout the U.S. To begin searching for loads of great foreclosure listings, go to foreclosed homes in Columbus Ohio right now!

For more information on this press release visit: http://www.sbwire.com/press-releases/foreclosed-homes-in-columbus-ohio-provide-great-prices-cultural-appeal-says-schoenly-of-retechulous-llc-159504.htm

Buyers Can Easily Find Their Next Dream Home or Investment Property in Fort Lauderdale, FL

Fort Lauderdale, FL -- (SBWIRE) -- 08/21/2012 -- Buyers who want to move to Florida ought to consider one of many Fort Lauderdale foreclosures for their next home. According to Josh Schoenly of Retechulous, LLC, this is a surefire way for homeowners to get deep discount prices in one of the country’s finest locations.

Schoenly declares, “If you are searching for properties that are close to a gorgeous beaches and crystal clear waters, then this could be your golden opportunity. In addition, it’s possible to find various listings that offer their own private pools, which is especially convenient on those hot summer days when the area gets swamped with visitors. Although this is an ideal retirement community, it is also a great area to raise your kids too. If that’s the case, consider Fort Lauderdale foreclosures within the Weston, Southwest Ranches, Sunrise Boulevard, and Flamingo Road locations to name a few.”

Additionally, the whole family will also find endless recreational activities to choose from as well. For example, many free and inexpensive events are held throughout the year such as various fairs and festivals. During the first Sunday of every month, people can enjoy free music concerts at night. Or, enjoy some time outside snorkeling, fishing, or just relaxing along the shore.

Schoenly continues, “Based upon current prices of many foreclosed properties, this is by far one of the best times to buy. There is so much potential for buyers who shop for Fort Lauderdale foreclosures now, because they will be making an excellent investment in their future.”

Thus, in order to act on this once in a lifetime opportunity, Schoenly’s team has provided a free property search tool to find the perfect property for your family. Just click the link above in order to begin right now.

About Retechulous, LLC
Retechulous, LLC is focused on providing buyers and sellers with the finest and most innovative online tools to help find or promote properties throughout the U.S. To begin searching for loads of great foreclosure listings, go to Fort Lauderdale foreclosures right now!

For more information on this press release visit: http://www.sbwire.com/press-releases/beautiful-fort-lauderdale-foreclosures-available-at-cheap-discounts-reports-schoenly-of-retechulous-llc-159503.htm

Kendrah Kay And Four Of Her Colleagues Are Nominated For The 2012 California Association Of Community Managers Vision Award

Irvine, CA -- (SBWIRE) -- 08/21/2012 -- PowerStone Property Management Inc. a full service Orange County, California based property management firm, today announced that five staff members were nominated for CACM Vision Awards and Kendrah Kay, a community manager, won the Spirit Award which acknowledges outstanding community and client service above and beyond the call of duty.

“We’re delighted and proud of Kendrah and the other nominated members of the PowerStone family.” Says CEO Rene’ Decker, who adds, “Kendrah is one of those high-energy, connect the dots, kind of person that brings vendors, partners and staff together to make good things happen for our associations.”

In addition to providing excellent service to PowerStone’s clients, Kendrah was also instrumental in forming the company’s partnership with the Pediatric Cancer Research Foundation (PCRF).

PowerStone contributes not only donations, but also volunteers for various PCRF events. Since 1982, PCRF has been partnering with businesses, foundations, and individuals to improve the care, quality of life and survival rates of children with malignant diseases.

Mr. Decker also included praise for other staff members that were nominated for Vision Awards. “The CACM Vision Awards are designed to recognize the very best professionals in the industry, which include PowerStone nominees Valerie Vanhorn and Kara Wright nominated in the Creative Solutions for Problem Solving category and Eric Douphner and Courtney Buehler in the Physical Management award category.” He adds: “We’re extremely proud of their hard work and would like to congratulate them on their nominations.”

About CACM
Founded in 1991, the California Association of Community ManagersSM (CACM) is the only organization in California whose membership is comprised entirely of community association managers and association practitioners. As such, it is the leading resource for California-specific education, events, activities, products, services and networking opportunities to help managers and management companies achieve excellence in the industry.

About PowerStone
PowerStone is a very successful and growing property management firm headquartered in Orange County, California. Since 1993 PowerStone has served the CID industry (common interest development) with integrity and professionalism.

From professional business planning, governance, and community management, to modern yet easy to use, customized websites and on-line services, PowerStone provides homeowner associations complete and unparalleled service

For more information, go to http://www.powerstonepm.com/

Media Contact:
René Decker
949-716-3998
rdecker@powerstonepm.com
http://www.powerstonepm.com/

For more information on this press release visit: http://www.sbwire.com/press-releases/kendrah-kay-of-powerstone-property-management-earns-prestigeous-cacm-vision-award-159654.htm

Real help for struggling Arizona homeowners is now available through the new FHA streamline refinance program.

Chandler, AZ -- (SBWIRE) -- 08/21/2012 -- Arizona mortgage lender, Tylor More has finally announced the release of the FHA Streamline Refinance program which can really help struggling local homeowners since qualifying for this program is easier than ever.

Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with FHA home loans.

HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.

Thankfully, a real effort has been made to assist Arizona borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.

This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more Arizona homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.

What is really different about the new FHA Streamline refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now &aposno-cost&apos refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.

When asked about the new FHA streamline program benefits Tylor More of MyCity Lender said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before".

Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting http://fhaarizona.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/arizona/mortgage-expert/sbwire-159738.htm

The real estate experts discuss why prohibiting animals is against the law in most cases.

Rome, Italy -- (SBWIRE) -- 08/22/2012 -- Cercacasa.it, an Italian real estate website, recently posted a new blog entry discussing the laws that involve animals in condominiums, apartments and other rental communities. While many condominiums attempt to disallow pets of any kind in living areas, it is against the law to prohibit such a thing.

Those doing a cerca casa (home search) on Ceracasa.it will find quite a few openings with dog and cat rules. According to several court rulings and civil codes in Italy though, only in very rare cases can pets be banned. These cases include health risks that may occur when too many pets are in a certain area.

People who are currently being prohibited to have a pet in their condominium are encouraged to fight management if they wish to own a pet. With the regulations listed in the article, a person can cite specific examples from http://www.cercacasa.it to back up their case.

To learn more about all of the pets in condominium laws in Italy, including specifics in certain regions, visit http://www.cercacasa.it/. The website can be translated into other languages, but the default language is Italian.

About Cercacasa.it
Cercacasa.it focuses on providing the latest real estate listings all across Italy. Users can search not only in specific regions, but also by type of real estate and price range. Along with listings, the website offers a variety of resources to use for free as well.

For more information on this press release visit: http://www.sbwire.com/press-releases/cercacasait-posts-new-article-discussing-the-specifics-of-pets-in-condominiums-159506.htm

Greenaway Residential Estate Agents is fully independent Estate and Letting Agency that was established in 1999 by Darren Greenaway.

Crawley, West Sussex -- (SBWIRE) -- 08/22/2012 -- Dealings regarding real estate are something which every landowner has to go through someday. During such times you will need the help of letting agents who can give you an honest service and guide you throughout. They are professional experts who know the ins and outs of properties and have knowledge of how to manage it. They can be full management agents that will manage your property for you. Experienced letting agents will be able to provide you with a list of tenants who are waiting to move to that area and are in search of the size of property that you are letting.

The market for housing is very delicate, so to deal with it is not the cup of tea for all. This thing depends on the ups and downs of the economy that can only be understood and handled by the Crawley letting agents. Everybody is not in a position to make an outright purchase of a property he or she is interested in. They will act as a facilitator and will help you get into a process of negotiation with the owner and the potential customers.

Properties can be rented for any purpose, may it be residential, business or for other purpose. Cities with huge population have scarcity of land, and to solve this number of landowners have come up with their property to rent in Crawley. This is proving to be a very good way of investment and a significant source of income. To rent a property in Crawley could be more lucrative than selling it off because rents keep on increasing and rent from property provides a secured income month on month. It can be a lifelong income that can be passed on to the next generations.

If you have decided to settle down in another place then instead of renting it the best thing to do is to sell your house. Selling your house might probably take time as you need to find someone reliable who wants to buy your house. After finding the right person you then have to deal with a number of issues like paperwork, surveys and other essential steps before you are finally ready to sell your home. Quality time is required if you are thinking of selling your home as it cannot be done within a few hours. However now there are ways and means that you can look into to ensure you sell your house fast.

Greenaway Residential Estate Agents is fully independent Estate and Letting Agency that was established in 1999 by Darren Greenaway. The Estate Agency is based around the Gatwick Airport area on the West Sussex and Surrey borders.

For more information on this press release visit: http://www.sbwire.com/press-releases/letting-agents-to-ease-the-process-of-renting-158537.htm

Greenaway Residential Estate Agents is fully independent Estate and Letting Agency that was established in 1999 by Darren Greenaway.

Crawley, West Sussex -- (SBWIRE) -- 08/22/2012 -- Dealings regarding real estate are something which every landowner has to go through someday. During such times you will need the help of letting agents who can give you an honest service and guide you throughout. They are professional experts who know the ins and outs of properties and have knowledge of how to manage it. They can be full management agents that will manage your property for you. Experienced letting agents will be able to provide you with a list of tenants who are waiting to move to that area and are in search of the size of property that you are letting.

The market for housing is very delicate, so to deal with it is not the cup of tea for all. This thing depends on the ups and downs of the economy that can only be understood and handled by the letting agents. Everybody is not in a position to make an outright purchase of a property he or she is interested in. They will act as a facilitator and will help you get into a process of negotiation with the owner and the potential customers.

Properties can be rented for any purpose, may it be residential, business or for other purpose. Cities with huge population have scarcity of land, and to solve this number of landowners have come up with their property to rent in Crawley. This is proving to be a very good way of investment and a significant source of income. To rent a property in Crawley could be more lucrative than selling it off because rents keep on increasing and rent from property provides a secured income month on month. It can be a lifelong income that can be passed on to the next generations.

If you have decided to settle down in another place then instead of renting it the best thing to do is to sell your house. Selling your house might probably take time as you need to find someone reliable who wants to buy your house. After finding the right person you then have to deal with a number of issues like paperwork, surveys and other essential steps before you are finally ready to sell your home. Quality time is required if you are thinking of selling your home as it cannot be done within a few hours. However now there are ways and means that you can look into to ensure you sell your house fast.

Greenaway Residential Estate Agents is fully independent Estate and Letting Agency that was established in 1999 by Darren Greenaway. The Estate Agency is based around the Gatwick Airport area on the West Sussex and Surrey borders.

For more information on this press release visit: http://www.sbwire.com/press-releases/letting-agents-to-ease-the-process-of-renting-158540.htm

Dallas, TX -- (SBWIRE) -- 08/22/2012 -- Dallas Uptown condos for sale is sponsored by the licensed real estate brokerage firm of The Dallas Real Estate Store where we take pride in not being your usual residental realty firm. No matter if you are buying or selling homes in Dallas Texas or around DFW TX, it is essential to have the right brokerage firm of Dallas TX Realtors and Real Estate Agents on your side. The Dallas Real Estate Store&aposs first thought is to couple the correct solution for each client by teaming expertise on preowned homes and new home construction knowledge, personal area knowledge, broker education, degrees from universities, and advanced cutting edge technology. From our online website, you may also preview V MLS real estate listings, research Colleyville real estate comparables, meet Dallas Uptown Condo Realtors, or get details about our sponsoring real estate lead Broker and joining our realty firm as a professional real estate agent.

We have closed millions of dollars of real estate and homes in the Dallas, Texas area. Be sure to keep up with our Dallas Texas Real Estate Blog for tips, advice, and market changes. Please take the time to search our free Multiple Listing Service - MLS. We will outshine the competing brokerage firms to earn your business. We look forward to working with you in the future - Jeff Knox - Realtor, Head Broker & Founder of Dallas Real Estate Store.

Dallas, Texas is the 7th most populated metro area of the United States with a current population of around 7,000,000 residents. Dallas, TX is home to professional sports teams - The Dallas Cowboys, Texas Rangers, Dallas Mavericks, Dallas Stars, FC Dallas. Dallas was also the center for one of the most popular TV shows of all-time.

Purchasing Dallas TX property possibly might be a overwhelming and scary process. Even though our Brokers cannot eliminate all of the typical stresses with buying listings, we do try to make this transaction as easy as possible for the client. Genral Dallas TX property purchasers do not have access to the professional Broker information, Realtor and Real Estate Agent education, or personal Dallas Real Estate Agent expertise and the required negotiating skills necessary to make an educated listing purchase.

Our Dallas Uptown Condos and Homes business model is built on a business approach. This means that we treat your listing, or house buy as a business 1st. Think of purchasing a new property as a exciting business transaction. However, please remember that this transaction should be overseen by professional Realtors and Brokers assisting in your every move. For almost every purchasers, this is one of the largest financial obligations they will ever make. Since we we treat your purchase just like our own, please rest assured we will not allow you to make the wrong decision when it comes to your new house.

Do not ever get fooled into using a Real Estate Agent who truly doesn&apost have your best interest in mind. Unfortunately, some (not all) Dallas, Texas realty broker firms tend to lose sight of who is really the boss... that&aposs you!

At The Dallas Real Estate Store, we can guide you to mortgage lenders, movers, utility services, and professional contractors might there be some things on the listing which require tweeking. We are very good at what we do. Phone us to find out why we have so many happy customers and why people continue to designate our residential reaty firm as their Real Estate Agents.

Jeffrey Knox, Broker, Realtor and Founder of The Dallas Real Estate Store - 972-342-0000 - Direct Telephone

For more information on this press release visit: http://www.sbwire.com/press-releases/uptown-dallas,-texas-condos/dallas-real-estate/sbwire-159867.htm

Jacksonville, NC -- (SBWIRE) -- 08/22/2012 -- With Camp LeJune an integral part of the community and the personnel shifts that place there regularly, choosing the right real estate firm in Jacksonville, N.C. is very important.

It’s especially important for military families who may be moving out in a few years,” said Steven Gordon, a spokesman for Blulo which handles the real estate firm’s press relations. “You don’t want to be stuck with a house you can’t sell. You need to have someone who understands Jacksonville NC real estate.”

Century 21 Sweyer & Associates, an affiliate of the national Century 21 real estate agency, has been helping military families and civilians find the home they want in the Jacksonville region for years.

“Century 21 in Jacksonville NC gets consistent and regular high ratings from customers,” Mr. Gordon said. “The military, being a tightly knit community, shares information. If Sweyer & Associates couldn’t do a superior job, they would not be here.”

The company has built a reputation as the go-to firm for military relocation in Jacksonville NC, he said.

The civilian sector is equally important to the Realtors at Sweyer & Associates. They have helped thousands of people find their dream home and sell the one they were in. For homes in jacksonville NC, there are few who can say they equal Century 21 Sweyer & Associates’ record, Mr. Gordon said.

“Making sure you, the customer is happy is job one. That is when we represent a homeowner selling a house or help a family buy a home,” he said. “We put our customer’s first. Our satisfied customers testify to that.

For more information on this press release visit: http://www.sbwire.com/press-releases/century-21-sweyer-jacksonville-launches-new-site-159804.htm