Falling prices, upside down mortgages, short sales, foreclosures...the real estate market has seen some it's of worst years in decades. Unfortunately, the citizens of the Delta have not escaped the crunch any more than the rest of the country.

As realtors we have had to adapt and educate ourselves as never before in order to survive. An intimate understanding of the current financial markets combined with a firm commitment to helping our clients successfully negotiate the challenge of fulfilling their needs has been crucial in navigating through these tough times. Though the market will eventually improve, answering the "when" and "how much" has been illusive, even for the experts, and the wait has been trying for many.

Sellers who wish or need to market their properties now may not have time to wait until the economy turns around to do so. Many have been faced with difficult hurdles when attempting to successfully modify their existing loans in order to survive. Those who have fallen on hard times due to unexpected cash outlays, medical expenses, or other emergencies have found themselves facing foreclosure. Many may qualify for restructuring, but understanding the complex nature of what their bank may or may not be willing to do to assist them can be truly overwhelming.

Buyers, on the other hand (though fortunate to have the drop in prices favoring their long term investment), have never before been faced with the hurdles that successfully negotiating a loan now entail in this unstable environment. Lenders are requiring more complex application forms, and documents detailing finances and income requirements have become more stringent and difficult to negotiate than ever before.

Though the needs and requirements of each seller or buyer and the particulars of every property on the market differ widely, we are committed to doing everything we can to help our clients achieve their real estate goals. We'll examine your individual needs and give you the best and most honest advice we can. We'll look at the possible resources and creative solutions that may be available to you, and help you to understand your options.

Together, we can determine the most effective strategy to help you accomplish your real estate objectives, and successfully attain the results you desire.

Call us anytime at 707-374-2030 and we'll be happy to discuss your needs.

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