Our Guidance=Keys to Your Dream Home!
Our Guidance=Keys to Your Dream Home!
Hello!
Welcome to Sandra Groover's Realtor with People's Choice!
Realty Services Tailored to Meet Your Needs!
Who We Are
Sandra Groover - Realtor with People's Choice Realty Services, where we are dedicated to providing our clients with exceptional real estate services. We are a team of experienced and knowledgeable agents who are committed to helping you buy and sell as well as being your New Construction Advisor.
Our Services
We offer a wide range of services to meet the needs of our clients, including property valuations, home staging, marketing and advertising, and negotiation and closing services. Our goal is to provide our clients with a seamless and stress-free real estate experience.
Our Philosophy
At People's Choice Realty Services, we believe that honesty, integrity, and transparency are the keys to success in the real estate industry. We take pride in our work and are committed to providing our clients with the best possible experience.
First-Time Home Buyers, what speaks to you? An established home, or a new construction home?? Not sure? I can help you. Let's Connect!
What is Pre-foreclosure?
Foreclosure is a legal process that lenders use to recover the balance of a mortgage loan from a borrower who has stopped making payments. If you fall two to three months behind on your mortgage, your lender is typically going to notify you that there is a default notice on the property. This is how pre-foreclosure begins. A default notice lets homeowners know their lender will start the foreclosure process if the debt is not paid promptly. When the notice of default is received, please don't wait to take action. For the pre-foreclosure period, the best way to describe it is-it's a final warning before the inevitable happens.
Please don't wait! Let us help YOU. Call us today for a FREE Consultation.
Loan modification in A Pre-foreclosure
As soon as you get a notice of default, you need to call your lender. Depending on your circumstances your lender will decide what may be the best course of action such as a forbearance, or a loan modification. A loan modification may help to save your property when you’re struggling to make those monthly mortgage payments, but keep this in mind, you must be able to prove you can afford to keep your home. There may be other options you may qualify for. So, it's best not to wait until the last minute to reach out to your lender. Allow them the opportunity to help you resolve the delinquency. Still at a loss? Let's connect!
How will pre-foreclosure affect your credit?
Pre-foreclosure will hit your credit hard. If you’ve reached pre-foreclosure the bank has already recorded your lateness, and then it's reported to the credit bureau. Future creditors will be able to see that you fell behind on payments, and it will make it harder for you to get future loans.
If you can pull your property out of pre-foreclosure, then your credit won’t take as much of a hit as it would if the bank foreclosed.
Expert Advice
Our agents are knowledgeable and experienced, with a deep understanding of the local real estate market. Let us provide you with expert advice and guidance.
Real Estate Services: Buyer/Listing Agent
Real Estate Done Right
Nervous about your property adventure? Don’t be. Whether you're getting ready to buy or sell, in the middle of it, or just looking for some answers, our top-notch skills ensure you get the best experience possible. It’s what we love to do!
Residential: Single family homes, Townhomes, or Condos
Large or small, condo or mansion, we can find it and get it for you at the price that's right. Fixer-uppers? Luxury? We can help with all of it. We always have a current list of available properties for you to check out.
Rely on Expertise
If you have questions about affordability, credit, legal matters, or income, trust us to find you what you need fast. We make sure you feel confident and educated every step of the way.