God places people where they needed to be and today, I was at the City of Temecula and witness the filming of a movie in the office of Mayor Maryann Edwards. Christine Damko was so welcoming to let us see the whole thing. Vivica Fox was the actress in this movie and it was great to connect and met great people who would like to work with me... Thank you Christine Damko...for being so kind to introduce me and connect me to this amazing group of people in the Entertainment Industry. 01/31/2017

Wondering how long it usually takes to close a Temecula CA short sale?The fact is the time from start to approval on a short sale has NOT been getting any shorter as many lenders have promised.It still takes about 90 days for approval. Your lender and our government have put many systems and incentives in place to help you avoid foreclosure. But even with their promises of quicker approval times, its just not happening. One of the biggest issues is closing the short sale. Once you have your short sale approved, your lender will give you 30 days to close. This should now be the easy part.  You have your short sale in Temecula approved and then we close, right? Wrong!  Once you have the approval letter in hand a copy needs to go out to the buyers agent. The buyer has been waiting 90 days ... 01/28/2017

Stop Foreclosure with NO deficiency  and avoid the IRS with a Short Sale!You still have time to get your home sold via a short sale thus avoiding the IRS and being protected via the "The Mortgage Forgiveness Debt Relief Act ", What's even better is if your home is in California you have no worry that your lender will seek payment of any deficiency! They can't. By law you are protected by SB 458 this Senate Bill was signed into law on July 15 2011. With all these protection, the US Treasury HAFA program and many lenders offering you cash incentives to do a Temecula CA short sale, the window is wide open now.  Stop foreclosure and choose a short sale in Temecula as your best no out-of-pocket option. Still have questions? Ask me how I can help you. I'm a certified HAFA Short Sale Specialis... 01/25/2017

It's going to be a wonderful year for short sales this 2017!This coming year will be the perfect storm for doing a short sale. The lenders are on-board with incentives. The government is on-board with debt forgiveness. Visit my website at www.Temecula-ShortSaleAgents.com to know more information about short sales. Get a fresh start!  You can have confidence in my ability to help you. I’ve been helping homeowners in Temecula CA for over 17 years. We at Realty Works Temecula have a proven success rate. We specialize in timely and completed approved short sale closings, with minimal impact on your credit and no drama. Call me, Sidney Kutchuk, today at 951-217-6745. Let's make 2017 a better year for you! 01/24/2017

What is a Temecula short sale? What's the process? These are just a couple of the questions you'd like answered by a specialist. You want to know if this is an option you can take.  You want to learn what it will take to make a Temecula short sale happen, and of course, you want to be sure you are making the best decision in the current situation you may be in.Getting yourself all the short sale knowledge you need is the first best step you will be making. Visit my website to find out how I can be of service to you: www.Temecula-ShortSaleAgents.com With my over 2 decades of real estate profession, I have made it my personal goal to help people like you. Call me, Sidney Kutchuk, at 951-217-6745 today. 01/18/2017

When do you need a Temecula short sale specialist? You should talk to a Temecula Short Sale Agent if... You can no longer make your mortgage payment. Need to sell your home but can't due to current market values. Have to relocate due to job change or military service. Your near retirement and need to downsize. Due to divorce or court order you must sell your home. You have given up on real estate and want out.  Visit my website at http://Realty-World.net for more information on short sales.  Bottom line is if you need to sell your Temecula home for most any reason in todays market, you should talk to a Temecula Short Sale agent from Realty Works Temecula.  I, Sidney Kutchuk am a Certified Temecula short sale specialist and I make it easy for you to talk to me. Call me direct on my cell ... 01/16/2017

What is a Temecula short sale process? BY now most homeowners have an idea of what a short sale is but don't know if it is the right option for them. A short sale will present itself as the best option to most homeowners if they.... Can no longer afford to make the mortgage payment. Need to move or relocate and can not sell the home due to current market values. Divorce or court orders a home to be sold. Nearing retirement and you need to downsize and reserve your capital. Or you just got in over your head and need a fresh start.  A short sale gives you a controlled exit to today's crazy real estate market and in almost all cases a complete break from a bad mortgage with no deficiency owed to your lender ever and no tax issues when you are an owner occupied home seller. What does it cos... 01/14/2017

Do you know what it takes to close a short sale in Temecula? Want to find out what's in it for you? Aside from the very good benefit of not having to lose your home via foreclosure, are you ready to get a check for $30,000.00? "Are you ready to get a check for $30,000.00" - this was the exact text message I sent my client. I have been working on their Temecula short sale for almost a year now. It's had many ups and downs like most short sales in Temecula. It has had the sale date set three times and I have had it postponed three times. It has been approved twice and canceled twice. The lender is Chase on the 1st loan and Real Time Resolutions for the second. It has been a total nightmare to sync up these two lenders. Chase Bank has been very responsive and has offered the seller's $30,0... 01/12/2017

Do you know who is really handling your Temecula short sale?There are many local Temecula short sale agents that will list your home and then hand your file and personal information over to a 3rd party to process. There are many companies offering local agents their service to process a short sale - some good, some very bad.This is not the best way to handle a short sale. When our Temecula short sale agents here at Realty Works take a short sale listing, we are offering OUR service and experience - not that of a 3rd party.  You hire us to do the job and it is a responsibility we take very seriously.  Our track record is the best in town and we have always processed all our short sales in-house.Do you  need a Temecula short sale agent or a short sale service? You need to ask that questio... 01/11/2017

You have options take control and call a short sale specialist.  If you do nothing, you are giving full control to your lender and they will call the shots. With a Temecula short sale, you take control and will be aware of what is happening and in many cases be offered a money incentive to cooperate in the short sale process. What's the cost of using a Temecula short sale specialist? There is NO out-of-pocket costs to you.  We are paid by your lender to get the job done. They want you to do a short sale. It will cost them less than a Temecula foreclosure.  Find out how the process goes, visit my website at www.Temecula-ShortSaleAgents.com Take control and call me, Sydney Kutchuk, at 951-217-6745 - this is my direct number and I will answer your short sale questions. No drama. No pressur... 01/11/2017

What does it take to make a successful short sale transaction? Today I was very happy to be able to hand over a check for $30,000.00 to my camera shy short sale client.This check came from Chase Bank after a most challenging Temecula short sale with Chase Bank and Real Times Resolution.  Getting these two banks to agree on the terms of this short sale took over 6 months of tough negotiations, two flat turn downs, three sale dates and a lot of blogging to the social powers of the press.  Oh did I also mention three different buyers? :) Hard work  and dedication are what's needed to make sure your Temecula short sale closes successfully. With my determination to help you, we can make this happen for you too. Visit my website at  http://Realty-World.net/Short-Sale-Agents to find out how I ... 01/11/2017

Sell your short sale without added stress! As the last step before a foreclosure, short sales can become an anxiety-inducing event in a person’s life. Just imagine how much time and money was spent on purchasing that dream home – only to end up having it listed under Temecula short sales. Simply put, a short sale is when the seller needs to unload a real estate property for a price that’s lower than the amount needed to cover the mortgage. It’s the last step before a foreclosure and while it’s not an ideal situation to be in, it’s definitely smarter than declaring bankruptcy. Homeowners resort to short sales due to various personal financial difficulties. But no matter what type of situation your credit is in, you can definitely score an excellent deal on a short sale – you just need to... 01/11/2017

Who wouldn't love to be the bearer of good news when it comes to Temecula short sales? Below is the unedited email exchange I just had with another one of my happy clients. :) Good news, Your Temecula CA short sale has been completed.  I just received confirmation that the escrow has closed. Thanks for keeping utilities on during the process, it helps SO MUCH tokeep the buyer involved and in place. Losing the buyer is one of the biggestissues we have. Thank you for letting us help you get through the short sale process weare also working to help your neighbor you referred to us…. The client replied with this...   Sidney,  Great news! Thank you and Valerie so much for all of your help and hard work. You both made the process so easy and we really appreciate it!   Diane    You can be one ... 01/09/2017

With all the rule changes that the banks and lenders have put in place for 2017, we believe that our Short Sale Team is in place to help even more homeowners get a fresh start via the short sale process. With 19 years of short sale experience and the best team assembled here in Temecula, we're ready to keep processing your short sales with no drama and in faster time. Visit our website at www.Temecula-ShortSaleAgents.com As always if you go forward with a short sale there will be no out-of-pocket cost to you and we will check to see if your lender is offering you relocation funds to ease the cost of relocation. If you think a short sale in the option for you call me Sidney Kutchuk at 951-217-6745. This is my direct number and I or my son Adam Kutchuk will answer your question on the sho... 01/09/2017

Nothing can make my day better than another successfully closed short sale here in Temecula!  Temecula Short Sale Expert Just closed another Temecula Short Sale. The best part of this job is when it's over and I get to thank the Temecula homeowner for trusting me to get them through the short sale process.   I just called my client with the good news and followed up with my thank you email. Below was their reply. Another happy short sale client.  Hi Sidney,   We received your message. Thank you for making this very emotional time so easy and drama-free. You are by far, one of the most professional individuals we have ever worked with and I will highly recommend you to all my friends and family for any real estate needs that they have.   Take care =)   Danielle  Gotta love happy clients!... 01/08/2017

Short Sale Battle: Nation Star vs Nation Star I work hard and get my seller's short sale approved - that makes me a happy agent! :)I sent the approval to the buyer's agent, and that makes them happy.   This then begins the time period for the buyer to do their inspections and appraisal. Now we're on our way to our Temecula short sale closing! A little background into this short sale.  The buyer is FHA and is asking for closing costs to be paid by the seller. The seller's lender agreed to pay the buyers closing costs only on the condition that they get to do the buyers loan. OK, the buyer agrees. The seller's lender, Nation Star then counters the sales price of $285,000 to $335,000 - the buyer agrees to the counter. Now after the approval is tendered to the buyer they order their apprais... 01/07/2017

Who are you going to call when you need a Temecula Short Sale expert?  Temecula Short Sale Specialist My phone number: 951-217-6745. Now you have a direct line to me. :)I know that when your thinking to yourself “is a short sale for me” you need a specialist to talk to NOW.Let me share with you my 18 years of short sale experence. This will be a free no pressure call and if you decide a short sale is for you I will listand market you home at no out-of-pocket costs and very discreetly. I will be your secret agent. You may also be able to receive a Credit for $3,000.00 from your lender for working with me to get your short sale approved! So call me, I answer my phone until 8:00PM and I try my best to answer all calls. If I missed you, please leave me a message and I will call back. Guaran... 01/06/2017

Today I received the below email from the Bank of America short sale specialist we worked with.We at Realty Works Temecula live for these kinds of feedback. We live for the exhilaration that comes with successfully closing a short sale. We take great delight in helping you!  BOA thanks the Temecula Short Sale Team at Realty Works Temecula. Hello Sidney & Valerie,Thank you for your assistance in completing the current short sale. I was able to verify the documents and process the wire. We at Bank of America look forward to working with you in the future. If you have any feedback regarding your experience with myself or the closing process that you would like to share, please contact my supervisor, Scott xxxxxxxx, at 480-xxx-xxxx or email his at scott.xxxxxxxx@bankofamerica.com. Thank you... 01/05/2017

2017 will be a good year for homeowners needing to use the short sale as an option to foreclosure.Most all, the major lenders and servicers are following the lead of Fannie Mae and Freddie Mac which have reduced the paper work needed and time to a Temecula short sale approval. See Chart below and enjoy the video.   Visit my website to find out more useful information about Temecula short sale: www.Temecula-ShortSaleAgents.com *Service providers may implement changes immediately*  The Home Affordable Foreclosure Alternatives (HAFA) Program is a government-sponsored initiative overseen by the U.S. Treasury Department and administered by Fannie Mae assisting all Home Affordable Modification Program (HAMP)-eligible homeowners in avoiding foreclosure,specifically through short sales or deeds... 01/04/2017

Got HAFA and 2 loans? Prepare for the battle. Well your short sale will be a bit more difficult for your short sale agent to get approved. It used to be that the second lender would be happy to sign off for $6,000.00 and allow you out of their loan.  Under HAFA guidelines your first lender can offer them up to $8,500.00 to release your second lien. Lately I have been running into short sales were the 2nd states they will not allow the short sale to continue unless they get the full $8,500.00 HAFA is a set of guidelines for lenders to follow, but that's just it: guidelines.  Many first lender will only offer 6% to 8% of the amount owed up to the maximum of $8.500 which ever is less to a second lien holder. Example you owe $70,000 to the second lender the first will offer $5,600.00 but th... 01/04/2017