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Christine Diveley


Realtor




Cell: (619) 540-9960    Fax: (619) 463-7891    Email Me
Loan Modification

 

Sellers

Loan Modification

 

Home > Sellers > Loan Modification

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  - Seller's Guide

- Avoid Foreclosure

- Loan Modification

- Short Sale

- Contact Us

   
 

What is a Loan Modification?

A Loan Modification is a permanent change in one or more of the terms of a borrower's loan, allows the loan to be reinstated, and results in a payment the borrower can afford.

While only certain homeowners will be able to take advantage of this alternative, it may be your best option because it keeps you in your home and typically results in the least damage to your credit.

Your lender may be willing to modify the terms of the loan, whether it's reducing the principal, lowering the interest rate or other creative strategies to make the loan affordable for you. As part of the stimulus package, the U.S. government has programs to provide incentives for banks that use this strategy as an alternative to foreclosure.

To keep your options alive, you need to communicate with your lender. Many homeowners have lost their homes to foreclosure without ever contacting their lender.

This would also be a good time to consult with a tax advisor and an Ascent Real Estate REALTOR®.   Many of our agents are specifically trained to work with distressed properties and will be able to help you explore a short sale as a viable option.

An experienced Ascent Real Estate REALTOR® can help guide you through the process and act as a liaison between all the parties involved.

 

Christine Diveley

About Christine Diveley

Realtor

Christine is a unique realtor in San Diego CA, combining the skills of a real estate professional and an interior designer

Christine Diveley is a Francophone realtor who brings integrity, professionalism and excellent service to every transaction. In 2012, 2013 and 2014 she was the recipient of the FIVE STAR Real Estate Agent award for customer satisfaction. She is part of an elite group of Realtors that comprises the top 3 percent of the licensed agents in the San Diego area.

Christine’s experience spans all types of residential real estate transactions, from traditional listings, to complex short sales, and from condos to high-end estates. Rather than focusing on a single neighborhood, Christine has developed an extensive knowledge of San Diego real estate. She brings tailored research skills and experienced judgment to each client’s transaction. In the negotiation phase, Christine demonstrates success in closing on terms favorable to her clients.

Her skills as an interior designer are invaluable in helping buyers choose the right house. Christine understands space planning and knows about construction. For sellers, her design experience allows her to help them best prepare their property for a quick and successful sale.

Christine will listen to your needs to establish goals and objectives. Her service is second to none and has earned her a valuable source of referrals. In this very competitive market, service and skills make the difference.


Movoto award       Yelp reviews        Trulia reviews          Zillow reviews           

Christine@ChristineDiveley.com
(619) 540-9960
Member of National Association of Realtor (NAR)
Member of California  Association of Realtors (CAR)
Member of San Diego Association of Realtors (SDAR)
Allied Member of American Society of Interior Designers (ASID)

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