Welcome to Diamante One, Inc.

THE PRE - FORECLOSURE MARKET

Q & A's
"WHY DO SELLER'S DELAY SEEKING PROFESSIONALS TO HELP THEM?"

Double Click VIDEO below:

BEWARE!
MOST SELLERS WHEN DISCOUNTING THEIR HOME IN A PRE FORECLOSURE/SHORT SALE PROCESS, DEED IN LIEU OF FORECLOSURE OR AFTER THE FORECLOSURE PROCESS (A PUBLIC AUCTION),
MAY RECEIVE A DEFICIENCY JUDGEMENT and/or 1099 BY THE LENDER!

SURPRISE PROMISORY NON-SECURED LOANS TO SIGN AT A SHORT SALE CLOSING DEMANDED BY LENDERS/BANKS CAN BE NEWS TO YOU AND YOUR REALTOR JUST DAYS BEFORE YOUR CLOSING OF YOUR PROPERTY! WE MOSTLY SEE THESE IN OUR CLOSING WHEN A HOME EQUITY LINE OF CREDIT IS INVOLVED AND/OR A 2ND MORTGAGE THAT WILL NOT SHORT PAY THE ENTIRE LOAN.

SOME GOOD NEWS:
(Recent laws have passed to protect the primary, homesteaded homeowner from the 1099 which is issued after a Short Sale). Consult with an esperienced C.P.A., experienced in Short Sales.
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As a Homeowner, are you in any of the following situations:

Facing foreclosure but want to save your House?
Are you concerned about your Credit?
Are you behind in payments and getting harassing phone calls?
Concerned about the Deficiency Judgement and/or 1099 you may receive?
Looking for Professionals in the field for your One-Stop Shop to HELP?
Are you in a middle of a messy divorce or hardship?
Do you need to sell a home that is in PROBATE?
Need to move quickly yet can not sell in this market?
Don’t have enough money to fix the property in order to sell?
Your property has more debt then what it can sell for and you're behind in payments? NO EQUITY – NO PROBLEM!
TIME IS OF THE ESSENCE ~ CALL NOW! Tic Toc Shazam!

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FORECLOSURE OF THE AMERICAN DREAM
Double Click:

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PRE FORECLOSURE HOMEOWNERS BEWARE:

Work with Licensed Professionals in the field of Real Estate, experienced in the Short Sale process.

I WORK ETHICALLY AND PROFESSINALLY IN NEGOTIATING CREATIVE, EXPERIENCED CONTRACTS IN THE SHORT SALE PROCESS.

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Seek professional advise when choosing your solution.

Diamante One, Inc., D.J. Shirley as President
Licensed R.E. Sales Associate & REALTOR,
as Agent for Charles Rutenberg Realty, Inc.
Real Estate Investor/Wholesaler
Short Sale Foreclosure Specialist/Lender Mediator
NOTARY
Diamante One, Inc.
1324 Seven Springs Blvd., Suite 302, New Port Richey, FL 34655 727.433.4777 begin_of_the_skype_highlighting 727.433.4777 end_of_the_skype_highlighting
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FLORIDA
STATE FORECLOSURE LAWS

Florida carries out foreclosures through court proceedings. The foreclosure process in Florida takes about five months.

Pre-foreclosure Period
A foreclosure in Florida begins when a lender files court action and records a notice of a pending lawsuit (Lis Pendens) against the borrower. The lender notifies the borrower and any other affected parties in person or in some cases by mail or publication. If the borrower does not respond to the court action within a specified amount of time, the county clerk can find the borrower in default and

the lender can ask the court to make a final ruling. If the court rules against the borrower, the ruling will include the total amount owed to the lender and the foreclosure sale date.

The lender is not required by state law to notify the borrower before initiating the foreclosure process, but individual mortgages or deeds of trust might call for this. The borrower can stop the foreclosure up until the date of the sale by paying the total amount owed to the lender.

Notice of Sale / Auction
The sale date is typically 20-35 days after the court ruling, but this may vary depending on the individual court. The clerk of court issues a notice of sale containing the location, date, and time of the sale. The notice is published once a week for two weeks, with the second notice appearing at least five days before the sale.

The clerk usually oversees the sale, which ordinarily occurs at the county courthouse at 11:00 a.m. on the sale date. The winning bidder must provide a 5 percent deposit and pay the remaining balance by the end of the day or a new sale is scheduled a minimum of 20 days later. After a successful sale, the clerk gives a certificate of sale to the winning bidder

Within 10 days of the sale, the clerk transfers ownership to the winning bidder if no one disputes the sale. In most instances, a borrower has no right of redemption after the certificate of sale is issued.

What would be the consequences if I end up foreclosing?
There are many consequences if you end up foreclosing; first you would end up losing one of your most valued investments, your home. Secondly your credit rating would be severely affected. Foreclosures can stay on your record for up to 10 years; it makes it almost impossible to purchase another home.
However, be aware that in a Short Sale and/or Deed in Lieu of Foreclosure you may STILL have a serious drop in credit scoring dissaproving you from Mortgage Financing for many years in your future and also other financial dilemas that may arrive from the deficiencies & loss that the lender/bank took.

Diamante One, Inc., and/or D.J. Shirley and their affiliates makes no claims, warranties and no guarantees of the Free Vacations; Instant Web Sites Unlimited; Interest Saving Programs; Creative Financing; Real Estate; Credit Report Repair; Profit or Interest Saved; Condition of Real Estate and/or Lender/Bank Approvals. Any and all Real Estate Investment & Mortgage decisions are solely based at the risk of the Investor, Seller and Buyer's discreton, thereby, Diamante One, Inc. and/or D.J. Shirley are held totally harmless. Time is of the Essence.