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Selling Your Home During a Divorce in Harrisburg

If you’re wondering about the ins and outs of selling your home during a divorce in Harrisburg PA… we’ll dive into the steps and things to look out for in this article.

With over 50% of American marriages ending in divorce, many Harrisburg PA residents are looking or advice for selling a home during a divorce.

A home is one of the most valuable joint assets, and obviously cannot be divided without first liquidating. While a divorce is one of the most stressful and emotionally charged life events, it’s important to remain rational. There are several factors to consider when facing a divorce in a real estate market that has yet to rebound from the housing bubble burst.

Determine if (and when) You Will Be Selling Your Home During Your Divorce in Harrisburg

In many divorce cases, one spouse will keep the home, buying out the departing spouse’s share.

In many cases, agreements are made where one spouse uses the house for a set period of time (this is usually used when there are children in the home), and then sold at a certain date (usually when the children reach a certain age).

A home is one of the most valuable joint assets, and obviously cannot be divided without first liquidating. While a divorce is one of the most stressful and emotionally charged life events Call 717-219-7454 and we can help you with selling your home during divorce.

Get Professional Help – Agents and Home Buyers / Investors

Selling a home is a difficult process when everything is going right.

During a divorce, you have a lot going on, and a lot to consider. You shouldn’t take on the task of selling you home yourself. You may have disagreements with your spouse about selling price or other issues. By working with a real estate professional… either a reputable agent or real estate investment firm, you’ll both have a neutral third party who can help you determine a fair selling price and handle the marketing of your home.

If you need to sell your Harrisburg house fast… reputable local real estate investment firms like Respected Home Buyer may be a great option.  Firms like ours actually BUY HOUSES (rather than listing them like agents do)… and we pay cash and can close quickly if you need to sell this house fast.

If you can wait the time it’ll take to list it with an agent and sell it on the open market, going with a real estate agent is your best bet.

But if you can’t wait the 3-9 months it sometimes takes to sell a house in this market in Harrisburg… chat with us to see what we can offer you for your house during your divorce.

Set (and stick to) a Timeline

It’s important, when selling your Harrisburg house during a divorce to keep a timeline.

You should put your home for sale in advance. Set firm closing dates, moving dates and times, and coordinate which spouse will be handling the sale (or talking to the real estate agent). Make sure that each of these agreements are in writing, and negotiate penalties for breaching the agreements.

This helps ensure a smooth, surprise free home sale.

Selling Your House Fast For A Fair All-Cash Price

One option that many divorcing couples have turned to in recent years is making a quick sale to a real estate investor like Respected Home Buyer.

Reputable local real estate investors like us, purchase houses quickly and without stress, and the process can often take as little as seven days.

Deciding how to sell a marital home in Harrisburg doesn’t have to be as stressful as the divorce itself.

By protecting each party with a qualified real estate agent or simply jointly deciding to sell and selling fast to a real estate investment firm like Respected Home Buyer, and moving the process as quickly and according to an agreed upon schedule, all parties can walk away from the sale without stress.

If you want to discuss your situation with your divorce and see if we can help you save time, reduce stress, and get out of this situation fast…

Give us a call anytime at 717-219-7454 or
fill out the form on this website today! >>

We’ll evaluate your house, make you a fair all-cash offer, and you can decide if selling your house to us is the best fit for you. We’re here for you, just reach out and lets chat.

What is a Pre-Foreclosure in Harrisburg?

May 17, 2019

By Jorie Aulston

With millions of homes across the country going into foreclosure, it’s important for both buyers and mortgage holders to understand the process.

So what is a pre-foreclosure in Harrisburg anyway?

Many homeowners across America and Harrisburg are facing difficulties making their monthly mortgage payments.

When a homeowner misses 3-6 months of mortgage payments, the lending institution will issue a warning, notifying the homeowner to pay or lose their home. This period is known as “pre-foreclosure.”

Banks and mortgage lenders typically provide three months for the homeowner to become current.  Of course this number can vary by bank and situation sometimes.

If a homeowner fails to make the necessary payments, the bank will foreclose on the home, assuming ownership, and evict the homeowner. Thankfully, during this stage of the foreclosure process, a mortgage holder has the opportunity to take advantage of several options to prevent losing their home.

Pre-foreclosure Options for Borrowers

If you’re behind on mortgage payments, you’re likely to receive a “notice of default” from your mortgage lender.

This document will state that you have not made mortgage payments for the last 90-180 days. It’s important not to panic.

You have options that can delay or even prevent losing your home:

• If your mortgage is “above water,” (meaning you have equity in your house) you may be able to refinance your mortgage, receiving lower monthly payments.  Check with your local Harrisburg mortgage broker… or contact us and we can connect you with a reputable one.
• You may be able to quickly sell your home to a real estate investor that’s reputable in Harrisburg like us at Respected Home Buyer, using the cash acquired to pay the months of back-payments owed (or we *may* be able to work out something with the lender that relieves all or part of your back payments.We can buy your Harrisburg PA area home quickly, often in just a week or two, will pay in cash, and takes the stress out of trying to find a buyer.
• You can contact the bank and ask them to permit a short sale. In a short sale, you’ll sell your home for less than it’s worth, and the bank will take the loss as a tax write-off.  In some short sales you may still be required to pay the difference to the bank if the house doesn’t sell for what is owed on the loan.
• You may be able to declare bankruptcy, which can buy you time to pay your debt. Bankruptcy will remain on your credit report for years, and can cause significant damage.

Lenders are very much aware of the widespread financial troubles across the country and they’re willing to work with borrowers a lot of the time.

If you’re honest and communicate with your lender, you’ll often find that there are options that will allow you to remain in your home, or at least salvage your credit rating.

A foreclosure can often negatively affect your credit score by 200-400 points and can prevent you from obtaining a loan of any sort for 5-7 years, so be very dutiful if you’ve received a Notice of Default from your lender.

But if you’re not able to find a solution with your lender working directly with them… connect with us. We may be able to help.

Ways We Can Help If You’re In Pre-Foreclosure

• We can potentially help with a short sale – Submit your info on this website so we can evaluate your situation to see if we can help.
• We can buy your Harrisburg area house – We buy houses in Harrisburg and would love to make you an all-cash offer on your house too. Just fill out the form here to get started >>
• You can ask us questions and we can provide you FREE guidance and resources so you can make a well educated decision. This costs you nothing, there’s absolutely no pressure, no obligation… just free guidance without a catch.

If you’re in the pre-foreclosure stage… you’ve still got time to fix this situation.

Just connect with your bank to see if they’re willing to work with you… or contact us if you’d like to see what we can buy your house for or to tap into our free foreclosure foreclosure resources.

Want To Discuss Your Pre-Foreclosure Options? Call Us at 717-276-9955

We Buy Houses in Harrisburg Companies – Are They Credible?

April 5, 2019

By Jorie Aulston

If you have been driving around in Harrisburg, likelihood is you have seen some billboards advertising companies that buy homes.

Often times they assert things like “We buy Harrisburg Houses!” or “Cash For Your House”.

Are These “We Buy Houses in Harrisburg Companies” Credible?

“How do i know if the local house buying companies out there are honest and credible?”

Well… generally all of them look identical at the beginning… however, below we’ll walk you thru some things to look for in a local house buying company before you must work with them.

Buying and selling homes is a valid and respectable profession which will assist communities and house sellers in some ways. However similar to any other line of business – a minority of house buyers in any market are those who make the remainder of us look bad.

There are folks that are extremely nice, moral people who improve their neighborhoods one property at a time.

And then there’s shady, dishonest people that place cash before the well being of their clients and who would sign the contract to sell their own granny with one hand while stabbing you in the back with the opposite – as long as they were creating enough cash.

Yes, they’re out there.

We’ll assist you avoid these “shady house buyers” so you’ll be able to work with honest, ethical, and honorable local companies who can purchase your house for a fair all cash offer and close on your schedule.

But let’s not target the negative – at least not yet.

First, let’s cover precisely what the most effective house-flippers do

What Reputable Harrisburg House Buyers Are Doing

• Helping folks improve their lives by accessing the cash they need right away.People usually would like the cash in their house to cover unexpected medical expenses, or to relocate to be close to a relative. We will make that happen in only a couple of days, and we deliver peace of mind.
• Helping sellers get rid of a burdensome property without the hassle of having to list it with a broker and wait months and month for a sale.
• Creating local jobs. We hire plumbers, contractors, electricians, brokers, title reps, loan officers, administrators and plenty of other people along the approach. The typical property transaction involves eighty-six individuals from beginning to end. Our investments create real jobs for individuals around Harrisburg PA.
• Buying US products. We spend a lot of cash on materials that are made right here within the USA – that creates jobs in our timber mills, factories, supply shops, distribution centers and more. The U.S. economy depends on steady improvement, which requires investment from folks like us.
• Increasing the value of Harrisburg neighborhoods. After we improve a house, we’re helping to increase the value of the whole community. We frequently repair abandoned and neglected homes, turning them into lovely homes for families. That activity strengthens Harrisburg.
• Increasing the tax base.  Once a brand new buyer takes over one of our properties, they’ll pay a higher tax rate based on the new and improved value. Those taxes go to pay for our colleges, fire, police, libraries, streets and other valuable pieces of infrastructure. Again, improving our neighborhoods.

Pretty cool stuff, right?

Lots of people think of house-flipping as a get-rich-quick scheme. That’s fueled by silly “reality” shows that amp up the drama because the reality of what we do on a daily basis is actually pretty boring.

Most of our work is coordinating with lots of people to make sure things are happening on time. We have to keep track of lots of moving parts.

So let’s get back to how you can use this information to find out if someone is a credible investor, and not just pulling a house buying scam.

How To Ensure You’re Working With A Reputable Local House Buyer

When you speak with an area house buyer to potentially purchase your house… raise them some of the questions below to confirm they are reputable , knowledgeable, and honest.

Ask open-ended questions like:

• How do you help your clients?
• What do you do for people?
• Can you tell me additional information regarding your services?
• What aspect of your business causes you to be the proudest?
• How would you describe your investment philosophy?
• How can I know that you’ll close on my house when you say you will?

Second, look for tell tale signs of tactics that those few shady operators tend to use.

• “Kitchen table closings” – If a property buyer tries to urge you to sign the deed (ownership) of your house over to them at your house, instead of a professional place like a closing lawyer or title company… be leery. Most reputable house buying services will perform the actual closing of the sale at a neutral third party place… like a title company. This ensures everything is completed right and on the up and up.
• Pressuring you into a fast closing – If a house buyer tries to pressure you into selling your house and says that you have to make the choice today, be leery. Most respected house buying services will make you and offer and that offer will be on the table for a minimum of 2-7 days (minimum) for you to make a decision. The reason respected house buying services like ours at Respected Home Buyer do place deadlines on our offers is because the market changes and values can change week to week depending on other sales within the area, also… we have a tendency to buy multiple homes a month and after we make you a proposal we’re assuring you that the money to purchase your home is ready and we’ll reserve that cash for several days so if you do want to sell your house, we will close on your schedule. If you’re feeling the offer is not a suitable you, then we’ll assign those funds to assist another seller with their home sale.
  Most scammers are looking for a quick score, and not an in-depth interview.
  Chances are good that they’ll find excuses to get off the phone and march on to someone who doesn’t raise too several questions.
  True investors who run honest and ethical Harrisburg house buying services, however, are building long-term businesses supported relationships and community development.
  So once you’re looking at one of the “we buy homes in Harrisburg companies”… never be afraid to raise questions!

Shut Up & invest Podcast Final 4 Edition