Sam Elam
Berkshire Hathaway HomeServices
Arizona Properties
Arizona Broker BR110971000
California Sales 01065106
480-213-1799  |  EMAIL SAM

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Sam Elam - Arizona Real Estate Broker at Berkshire Hathaway HomeServices Arizona Properties






Sam Elam

Arizona Real Estate Broker


Cell: 480-213-1799

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Sam Elam Phoenix AZ Southeast Valley Blog is all about Phoenix AZ Homes for Sale, AZ Area Information, businesses, local area news, real estate investment tips and fun events that make Chandler, Gilbert, Mesa, Scottsdale and Tempe great places to call home.


Ways to Avoid Foreclosure

Avoid Your Home in Chandler, Gilbert and Mesa AZ being foreclosed Phoenix home (photo)

Prevent Chandler, Gilbert, Mesa, and Phoenix AZ Foreclosures


A significant number of Phoenix Arizona homeowners find themselves in the impossible position of not being able to make their monthly house payments - often due to job loss, divorce, illness, and recent huge subprime loan interest rate adjustments. Watch this video produced by Fannie Mae to help you Know Your Options to avoid foreclosure. Then contact Sam to discuss how I can help you implement your best option.

Make Home Affordable to help owners of Phoenix homes save their homes from becoming foreclosed Phoenix homes (logo)

Are you unable to make your house payment or think you will be having problems in the future? See what government programs are available to help you keep your home. You can refinance when the current value of your home is 20% below your current loan amount. You may also be eligible for a loan modification. See what you are eligible for now at

Don't feel hopeless and alone and think your only option is to walk away from your home and let it become one of many foreclosed Phoenix homes. Lenders accept 16 hardships as justification for finding an alternative to foreclosure including loan modification of your current loan or accepting less than is owed in a Short Sale at the close of escrow.

The best course of action is to review your budget, decide where cuts can be made and what assistance you require from your lender to be able to pay your mortgage and all other debts before you or your counselor call your lender to negotiate modified home loan terms.

The Arizona Attorney General has released this
Arizona Foreclosure Prevention Workbook to familiarize you with the foreclosure process, terms, timelines, options available to you, avoiding scam artists preying on you and what to expect.

It is in everyone's best interest to avoid foreclosure. If you feel uncomfortable calling your lender, don't ignore the problem. There are trained professionals you can read about who will negotiate mitigated or modified home loan terms on your behalf or call me to direct you to trustworthy professionals I know who will give you honest, responsible advice.

For a list of approved housing counselors go to the U.S. Housing and Urban Development (HUD) web site so you won't find yourself with a foreclosure prevention company that may charge high upfront fees.

Be prepared to an answer your lender's question about how you propose to eventually pay off the loan. You're better off coming in with an initial proposal. At least you've opened the door to negotiation.

If you think that your financial strain won't last long, ask the lender for forbearance, or postponement of payments, for a couple of months until you get back on your feet.

But if the payments are too high or will be too high, ask the lender to extend the loan for another five years to reduce the monthly payment or adjust the interest rate if a reset is coming up.

If you are unable or foresee you won't be able to make your loan payments and no workout is possible, it may be appropriate to try to avoid foreclosure with a short sale or pre-foreclosure sale. The lender typically wants the sale to cover what you owe on the mortgage, but a lender may be willing to accept a lesser amount to satisfy the mortgage and pay closing costs as long as your hardship is deemed worthy of their payoff concession. Read the Arizona Association of REALTORS® in conjunction with the Arizona Department of Real Estate
Arizona Short Sale Seller Advisory and then seek the advice of a qualified tax attorney at little to no cost before you act.

Worried you can't afford your home? We need to talk!

Request a complimentary Free Home Market Analysis

Contact Sam - Certified Short Sale and Foreclosure Resource

Sam Elam, Certified Short Sales and Foreclosures Resource - SFR (logo)

My Phoenix Home Seller Guide has other seller tips and additional resources available to assist you with your home sale.

©2014 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. 

Comprehensive resource for Phoenix AZ homes for sale, Real Estate Investment Property and Homes for sale in Chandler, Gilbert, Mesa, Scottsdale and Tempe Arizona.

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