Cheyenne real estate WY, Pine Bluffs real estate and Laramie County real estate, home listings and homes for sale in Wyoming, ranches, horse properties - Connie Webb, REALTOR® Connie Webb REALTOR(r) for Cheyenne, Pine Bluffs and Laramie County, Wyoming real estate, ranches, horse properties - NUMBER1EXPERT™ Connie Webb NUMBER1EXPERT(tm) for Cheyenne, Pine Bluffs and Laramie County, Wyoming real estate, ranches, horse properties
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Connie Webb, REALTORŪ, real estate agent and broker for Cheyenne, Pine Bluffs and Laramie County Wyoming home listings, property and land for sale - NUMBER1EXPERT(tm)
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Short Sales

Avoid Foreclosure






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Avoid Foreclosure
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Avoid Wyoming Foreclosure. Connie Webb has the answers you need.People Facing Foreclosure  Have Options! I can help!

A short sale requires a Certified Distressed Property Expert who understands the complexity of this process and the extensive documentation required.

The success of a short sale depends on the knowledge and ability to work closely with lenders, banks and accountants. While short sales were virtually unheard of only a few years ago, now the majority of banks and lenders are negotiating and closing these transactions. They allow a homeowner with a legitimate hardship to sell their property for less than the balance of their
mortgages and avoid foreclosure. Banks want the right type of transaction with exactly the right paperwork.

Benefits of a Short Sale:
No additional funds required at closing. Avoid foreclosure and many times a judgment. Preserve their credit. Commissions and fees paid by lender.

What is a Short Sale?
A short sale is a negotiation in which the homeowner qualifies and the mortgage company or companies accept less than the full balance of the loan at closing. A relatively new solution to a financial crisis, the short sale has been used successfully in Laramie County as one of the last options before foreclosure. The short sale is one of the most important aspects in today's market and has been referred to as the "brain surgery of real estate."

CDPE's successfully closes over 80% of short sales nationwide compared to less than 20% represented by Realtors without the CDPE designation
and training.


 

Wyoming Short SalesEnergy Assistance

If you are having trouble paying your utility bills, you may qualify for one of the following programs:

Wyoming Energy Savers Program   (WES) 307-265-0603

This WCDA loan program could help you install a new furnace, ceiling insulation, weather stripping, a programmable thermostat, exterior storm windows, exterior doors, and exterior storm doors this winter, increasing the energy efficiency of your home, and cutting your utility costs this heating season.

WES is designed to assist homeowners with loans up to $7,500 for weatherization improvements to their homes.  In order to qualify you must own your home and meet income restrictions based on household income, family size, and county.  Your household income cannot exceed 80% of Area Median Income.

For more details contact a local bank, financial institution, credit union, or any WCDA participating lender. You can also visit our website at www.wyomingcda.com, or call the WCDA Office at (307) 265-0603.

Low Income Energy Assistance Program (LIEAP) 1-800-246-4221

Assists low income families by providing payments directly to fuel supplier. The amount of the benefit is based on the type of fuel, monthly income and the number of people in the household. Each household can also receive a one-time benefit of up to $400 to alleviate a heat-related crisis such as shut-off notice, tank hook-up etc. LIEAP clients are also eligible for Weatherization assistance. Applications are confidential and may be obtained by calling the toll free number above.

Energy Share of Wyoming

Energy assistance to those who do not qualify for LIEAP and are experiencing a situation such as a medical or family crisis, which makes it difficult to pay their energy bills. Funded by utility companies, customers, local businesses and private donations. Applications are taken through the local Salvation Army or Utility Company. For more information call 1-877-461-5719.

Veteran's Exemption

An honorably discharged veteran who has been a bona fide Wyoming resident for at least three years that provides discharge papers serving during designated dates or receiving authorized medals may qualify for a Veteran's Exemption in reference to taxes.  For more information contact your local County Assessor's Office.

Property Tax Relief Program

All Wyoming counties through the county treasurer will give a property tax rebate based on income, etc. Contact your county treasurer or the State of Wyoming at 1-307-777-7320 for information.

Local Assistance

Local Agencies, organizations, churches may provide assistance. You may obtain a list of those providing utility assistance by calling Pathways Plus/Connect Wyoming at 1-800-889-8309 or check them out online.


Utilities Assistance

 -   Low-Income Energy Assistance Program (LIEAP) - provides energy assistance to low income families
 -   Wyoming Weatherization - Department of Energy programs for weatherization and more information about Low-income Heating Energy Assistance Program (LIHEAP)
 -   Wyoming Department of Family Services - more energy assistance information
 -   Wyoming Energy Savers Program - a Wyoming Community Development Authority loan program that can help make your home more energy efficient
 -   Make your home more energy efficient
Connie Webb, Wyoming Certified Distressed Property Expert

Wyoming Certified Distressed Property Expert
Connie Webb
Wyoming Certified Distressed Property Expert

Phone:  800.221.5064
Cell:     307.630.7637
Ofc:      307.635.0336


Questions? Concerns? I can help. When it comes to your finances, you want to work with an expert. I can help. Trust me to help you through this.

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Real Estate Tips
Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Real Estate Trivia
Q 
What area in the U.S. has been referred to as the "American Riviera"?

A 
Miami Beach in Biscayne Bay is Florida's pre-eminent place for "people watching" and a hot spot for celebrities.
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Connie Webb, REALTORŪ, real estate agent and broker for Cheyenne, Pine Bluffs and Laramie County Wyoming home listings, property and land for sale - NUMBER1EXPERT(tm)

Connie Webb
Century 21 Bell Real Estate

2103 Warren Avenue
Cheyenne, WY. 82001
Toll Free: 800-221-5064
Phone: 307-635-0336
Fax: 307-632-6125
Email: Connie@Move2Cheyenne.com

Connie Webb takes a positive approach to life and you can see it in everything she does. From spending time with her family to helping her clients reach their dreams, Connie always has a smile on her face and a winning attitude in her heart. Connie brings that same positive approach to her career as a leading real estate professional in Laramie County. Her clients can count on her to be there when they need her, to listen closely to their needs and to provide strong guidance and support during the entire real estate process. Connie loves what she does and it shows. Her positive approach to life helps her to make a positive difference in the lives of her clients.

CRS ePro Equal Housing ERC GRI MLS REALTOR


Century 21 Bell Real Estate real estate and homes for sale in Cheyenne, Pine Bluffs and Laramie County Wyoming


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