Personal message to Southern New Mexico property owners concerned over being upside down in a property home mortgage. Email aarcher (AT) dreamhomenewmexico.com or call (five seven five)-388-2875 Home Office Message line to request a call back time to discuss some of the services and options which may be available to you.----------------------------------------------------------

There are many good people in our area who are feeling the effects of our national financial crisis.

Short Sales are possible for some. Short sales are Listing and Selling at (or slightly below) current market value even if you owe (considerably) more than the house is worth. Requires bank cooperation as they need to agree to let you sell at a price WELL BELOW your current mortgage debt. I can help with the process, and may be able to list your home as a short sale. It beats foreclosuere..

Real Estate Angels might help. You must have some equity in the property. Angels step in when folks have allowed past due payments to pile up so that they are now considerably delinquent and unable to catch up, let an angel step in and "clean the slate" for you. My list of angels is limited to a few, but they are quick and efficient to close when they find the right circumstances.

Live Auction works for some who have special needs and circumstances. Note - You can't be short on equity with live auctions, but there is no better way to guarantee a sale within a specific time frame. Let the buyer pay most of your selling costs too. For Sellers, who just want to get on with it and get her sold, this is a great venue for it......

Love the auctioneer chant: "one hundred thousand now one fifty. do i hear one fifty? One hundred fifty thousand ... now two. will you give me two?

Loan Modification The government has made it possible for a large portion of good folks who are having issues meeting the monthly payments on the mortgage. It's a great idea to see if you qualify for one of several loan modification programs available. DETAILS of the OBAMA PLAN HERE. There are 3 documents available for free download which will give you the nuts and bolts of how it works.

I have access to quality loan information resources. Please email or use the contact form in the left menu column to ask questions or make arrangements for a straight confidential talk regarding your circumstances.

In every case there are sponsored counseling services (many free) which can point you in the right direction. This is a first step for everyone who is worried about what might be ahead. Part of my job and responsibility as Realtor is to provide you with resource information so you know what options you have to choose from..

Foreclosure will inevitably be the end result for too many homeowners. Anything you do now is better than doing nothing and waiting for the foreclosure to occur.

Foreclosure will be the end result for all who do nothing. Please start today!