DEREK KIRK


(916) 213-5715
RealEstate@DereksHomes.com

M&M and ASSOCIATES
7811 Laguna B.vd., Ste #120
Elk Grove, CA 95758

973 Pleasant Grove Blvd., Ste #105
Roseville, CA 95678

915 Howe Avenue
Sacramento, CA 95825

WHY LIST WITH DEREK KIRK?

WHEN VALUES ARE UP!

Finding and working with a reputable and professional Realtor® is an indispensable part of selling your Home. A Realtor® is someone who, as a member of the Local, State and National Trade Associations, adheres to a strict code of ethics. Listed below are only some of the many things Derek will do for you:

  • List your property in the Multiple Listing Service (MLS), Internet and other advertising, providing your Home with incomparable exposure and effectively insuring that you have as many Realtors® as possible trying to find a buyer for your Home.
  • Provide up-to-date information about recent sales and other properties currently listed which will help you price your Home at the very best possible price in today's market.
  • Show your Home while you go about your day to day business.
  • Provide pre-qualified buyers who know exactly what they're looking for and how much they can afford.
  • Negotiate the successful sale and closure of your escrow by acting as the mediator between all the parties.
  • Protect your interests from contract to closing, leading you through the cumbersome paperwork of the loan process, escrow, insurance, property disclosures and inspections.
  • Derek knows listing and selling your Home for the best possible price in the quickest time frame, and with the least amount of problems, means planning the most effective strategy. His attention to every detail and to the wants and needs of his clients make him an outstanding professional.
  • WHEN VALUES ARE DOWN!

    The definition of a short sale is the sale of a single family home to a buyer who pays less than the existing loan balance. You must always have the seller's lender approval for such a sale as a loss is incurred with the transfer of title and close of escrow. You must be able to support your request for a short sale with a detailed financial disclosure evidencing some type of financial difficulty or mitigating factor, losing equity on your home is not enough to be approved for the program.

    Why would a lender want to settle for less than the total amount owed? The answer is simple: Short sales are usually less costly on a lender or loan guarantor than foreclosures.

    Derek has devoted a majority of his business to the short sale market, helping distressed owners at no fee to them to negotiate with their lenders for the resale of their homes at less than the total owed. If the transaction is approved by the lender, the costs associated with the sale, which normally include escrow, title and commissions, is paid by the bank at the close of escrow. Derek worked in a Loss Mitigation department for a bank, making these types of decisions on behalf of the bank, and has a really good understanding of the process and reasons for accepting or denying a short sale. Derek has successfully negotiated more than 850 short sales to-date.

    Short sales are here to stay, it's a way the banks can minimize their losses. Even though values are starting to rise a majority of the homes that were built between the years of 1988 and 1994 are still "upside down," More homeowners need to be aware that there are options available to them including short selling their home. Get advice early, be pro-active, not reactive and don't wait until it's to late.




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