Nicole Espinosa's Blog Posts

Nicole Espinosa's Blog Posts

What Should I Do If I Fall Behind On My Mortgage Payment
If you are worried about falling behind on your mortgage, here is what you need to know:Is your current situation a short term situation or a long term hardship?Why is this impor...

When Should You Consider A Short Sale
If you’re behind on your mortgage payments or you know that your income will not be sufficient to make the payments going forward, it may be time to consider a short sale on yo...

Calculating Your Debt To Income Ratio In 2 Easy Steps
Calculating Your Debt-to-Income Ratio in 2 Easy Steps Have you ever sat down and calculated exactly how much money you spend each month on bills? If so, you are already halfwa...

How Do I Know Its A Short Sale
There are many different ways your client can end up in a short sale situation. No short sale is the same and sometimes it is hard to identify if your client is in a short sale or ...

If You Completed A Short Sale You Can Now Purchase Sooner
Exciting news for our past clients and sellers who have completed a short sale!!The mandatory waiting period to purchase a new home after doing a short sale has now been reduced...

If It Sounds Too Good To Be True It Almost Always Is
Unfortunately, when you are in foreclosure you are constantly being solicited. You will get mail, phone calls, and knocks on your door once your address goes on the foreclosure l...

Tips For Representing A Buyer In A Short Sale
 1. Ask the right questions!When speaking to the listing agent, here are some MUST ask questions: Is this an approved price? How far along are the sellers in the process?Is...

How To Avoid Income Tax When You Do A Short Sale
On December 18, 2015 president Obama signed the Mortgage Forgiveness Tax Relief Act of 2015. This bill extended the benefits of a 2007 bill which allowed homeowners who had gone...

Why Do Short Sales Fail
Despite the name short sales are not a “short” process. If done correctly, the short sale program is a highly beneficial program to the seller.  However, there are so m...

Short Sales VS Foreclosures
Lets clear the air.I hear people using short sales and foreclosures interchangeability almost on a daily basis. That leads me to believe that most people do not understand the tw...

How Are There Still Short Sales In A Good Market
When I tell people I do short sales, this is the first question I get: “How are you still in business when the market is so good? Prices are going up, how are their still short...

Why A Short Sale Takes So Long
Why a short sale takes so longGenerally, when a buyer thinks about a “short sale”, they think about distressed sellers and good deals. The name can be misleading as a short sa...

DFW Pumpkin Patches
DFW- Pumpkin Patch ListIts that time of year again!!  If you're looking for Pumpkin Patches in Dallas area, we've got the list for you! Several pumpkin patches will even ...

Frequently Asked Questions In A Short Sale Part 2
If you missed our previous article for part 1 you can view it here: http://nicoleespinosa.jphomesforsale.com/blog/Frequently+Asked+Questions+In+A+Short+Sale+Part+1Q- When should ...

Frequently Asked Questions In A Short Sale Part 1
When it comes to short sales there is a lot to discuss, so I am going to do it in 2 parts. Q: What is a short sale?A: -A short sale in real estate occurs when the outstan...

Interest Rates Left Unchanged And What It Means To You
Why should you care about the impending increase in interest rates? As a consumer, you pay interest on the money you borrow. Interest rates effect everything from your credit car...

Little Elms Newest Development
Psst! Guess what? Little Elm is growing.  Come home to this wonderful hidden gem that's surrounded by the beautiful, Lake Lewisville. Since more families have become...

Being On The Foreclosure List And What It Means
In this article I really want to clear up a lot of confusion and misconceptions as a borrower and as a Real Estate Agents on the foreclosure process. Often people see the word FORE...

Should I Do A Loan Modification
Should I do a Loan modification?Why would someone want to do a loan modification? Maybe they need to reduce their monthly payment, or reduce their monthly interest rate? This can ...

Sell Your House The Right Way
OK, so you made the big decision to sell your house but is it ready to be put on the market?  We'll go over some ways to improve your chances of making your transaction a...

The Colony Is Booming
The beautiful shoreline of Lewisville Lake with two major peninsulas is why The Colony is nicknamed the "City by the Lake".  This setting is the city's backyard.  Th...

Lenders Hate Foreclosures
I get asked this question all the time; “why would my bank want to do a short sale when they can just foreclose?” The answer is simple when you think about it. Foreclosure is e...

Things To Do In Lewisville
It's that time of year!  School is nearing to an end, the sun is shining and the temperature is rising...it's Summer in Texas!  What's a great way to cool off during...

Little Elm The Town With A Lake Attitude
It's Monday! Time to feature a hot area.....LITTLE ELM! So what makes Little Elm a great place to get your feet wet?It has a small town charm but yet close enou...

Why Would I Ever Use A Real Estate Agent
    A good realtor is there for you every step of the way during your home transaction, making the process seem simple and easy.  If you haven’t spent...

Can I Purchase A Home
Down Payment Assistance,100% Financing,3.5% Down,Good Credit,Bad Credit, Lease to Own.You have OPTIONS!A lot of people call our office thinking about purchasing a home. Some be...

What Does The List Price Mean In A Short Sale
What does the list price mean in a Short Sale?In a Short Sale your bank is ultimately going to pick what they will accept in order to approve your Short Sale. A Short Sale trans...


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