Murfreesboro REALTOR Closes Murfreesboro TN FHA Short Sale
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a Murfreesboro TN home with an FHA insured mortgage loan. Jim was able to close the FHA short sale despite there being 3 liens (a HUD Partial Claim in excess of $14K and 2 Capital One Credit Card liens totaling almost $8K) in addition to the FHA insured first mortgage loan by negotiating the credit card liens down to a total of just $2,100 and getting the buyer to pay off those credit card liens for the seller at closing. The financially distressed seller was relieved to be out from under this property that they could no longer afford, was very happy to avoid foreclosure and glad to have 2 credit card liens settled that were actively pursuing collection.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Showing posts with label closing. Show all posts
Showing posts with label closing. Show all posts
Tuesday, December 14, 2010
Murfreesboro REALTOR Closes Murfreesboro TN Condo THDA Short Sale
Murfreesboro REALTOR Closes Murfreesboro TN Condo THDA Short Sale
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a Villas At Evergreen Farms Condo in Murfreesboro TN. Jim was able to close the short sale despite the bank servicing the mortgage loan rejecting the initial short sale offer due to not fully understanding the process of a Tennessee Housing Development Agency (THDA) short sale. Jim was able to bring this short sale back to life and get it closed by contacting THDA directly and proving to the folks at THDA that the short sale offer warranted their approval. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a Villas At Evergreen Farms Condo in Murfreesboro TN. Jim was able to close the short sale despite the bank servicing the mortgage loan rejecting the initial short sale offer due to not fully understanding the process of a Tennessee Housing Development Agency (THDA) short sale. Jim was able to bring this short sale back to life and get it closed by contacting THDA directly and proving to the folks at THDA that the short sale offer warranted their approval. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Murfreesboro REALTOR Closes Smyrna TN Short Sale
Murfreesboro REALTOR Closes Smyrna TN Short Sale
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a single home in Smyrna TN. Jim was able to close the short sale despite the property having 2 mortgages (1st mortgage owned by Fannie Mae & 2nd mortgage owned by JP Morgan Chase) and the bank servicing the mortgage loan (JP Morgan Chase) being very slow and initially difficult to work with. Jim solved the problem with the servicing bank by contacting Fannie Mae (FNMA) and informing Fannie Mae that the servicing bank was going to cause the short sale to fail. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a single home in Smyrna TN. Jim was able to close the short sale despite the property having 2 mortgages (1st mortgage owned by Fannie Mae & 2nd mortgage owned by JP Morgan Chase) and the bank servicing the mortgage loan (JP Morgan Chase) being very slow and initially difficult to work with. Jim solved the problem with the servicing bank by contacting Fannie Mae (FNMA) and informing Fannie Mae that the servicing bank was going to cause the short sale to fail. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Murfreesboro REALTOR Closes Nashville TN Condo Short Sale
Murfreesboro REALTOR Closes Nashville TN Condo Short Sale
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a Lenox Village Condo in Nashville TN. Jim was able to close the short sale despite there being a Condo Association lien in excess of $2,200 by negotiating that the buyer pay it. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
Jim McCormack, a Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor closed the short sale of a Lenox Village Condo in Nashville TN. Jim was able to close the short sale despite there being a Condo Association lien in excess of $2,200 by negotiating that the buyer pay it. The financially distressed seller was relieved to be out from under this property that they could no longer afford and was very happy to avoid foreclosure.
Free* Short Sale and Foreclosure Help and Assistance for Nashville, Brentwood, Franklin, Nolensville, Spring Hill, Murfreesboro, Smyrna, La Vergne, Columbia, Mt. Juliet, Springfield, Gallatin and Middle Tennessee Financially Distressed Homeowners and Property Owners. Stop the Bank from Foreclosing with a Quick Cash Offer to Get the Short Sale Process Started. If you are a Nashville Tennessee, Franklin Tennessee, Brentwood Tennessee, Nolensville Tennessee, Spring Hill Tennessee, Murfreesboro Tennessee, Smyrna Tennessee or La Vergne Tennessee homeowner, property owner, condo owner, real estate investor, home builder or real estate developer who cannot pay your mortgage payments (due to losing your job, having your income reduced, illness, health problems, adverse business conditions, slow sales, loss of investment property tenants, vacancy issues, lack of funds to complete the project, feuding business partners, etc.), know that you will not be able to pay your mortgage, have defaulted on your mortgage, are already in foreclosure, or owe more than your home is worth, please contact Jim to discuss your options including a loan modification and a short sale (a real estate short sale occurs when the sale proceeds are not sufficient to pay off all the mortgages and liens on the property/home). Jim helps sellers (homeowners, property owners, condo owners, owners of high end homes and properties (estate homes, luxury homes and executive homes), real estate investors, home builders and real estate developers) of distressed real estate, short sales, pre-foreclosures, foreclosures, investment properties, failed new construction projects and struggling commercial real estate developments located in Middle Tennessee (Rutherford County TN, Williamson County TN, Davidson County TN, Robertson County TN, Maury County TN, Murfreesboro TN, Smyrna TN, La Vergne TN, Eagleville TN, Lascassas TN, Rockvale TN, Christiana TN, Brentwood TN, Franklin TN, Nashville TN, Belle Meade TN, Nolensville TN, Spring Hill TN, Gallatin TN, Springfield TN and Mt. Juliet TN). If you do need to short sell your home or property, or you need a quick sale due to being in foreclosure, you can Get Free* Short Sale and Foreclosure Help and Assistance from a Nashville Tennessee and Middle Tennessee Short Sale and Foreclosure REALTOR, Real Estate Expert and Real Estate Investor. (*Free: In a real estate short sale, the bank or mortgage company usually approves and pays all of Jim's commissions and fees. Therefore, in most cases his short sale help, foreclosure help, foreclosure consulting, and foreclosure prevention and brokerage services are essentially free to distressed homeowners and property owners in Nashville and Middle TN. Jim does not charge any upfront short sale fees or commissions and he generally doesn't get paid anything unless the short sale closes and even then the bank essentially pays Jim's fees. As a result, there is basically no risk to Nashville Tennessee homeowners and property owners in foreclosure.)
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