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Kansas City real estate and community news blog featuring Olathe and Overland Park, Kansas.
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Behind on your Gardner Mortgage Loan?
What does a mortgage lender look at inorder to help an Gardner homeowner behind on a mortgage?
When a mortgage lender is deciding tohelp a struggling homeowner, a mortgage lender looks at the followingcriteria: Has there been a job loss? If yes, the mortgage lender may offer options. Is there a illness or a medical emergency in the family? If yes, a mortgage lender may offer options. Is there a death in the family? If yes, a mortgage lender may offer options. Is there a divorce and a loss of a 2nd income? If yes, a mortgage lender may offer options. Is there an over extension of debt? If the debt load is over the lenders accepted ratio compared to the monthly income, the mortgage lender may offer options. Is there is a job demotion or temporary loss of income? If yes, the mortgage lender may offer options. Is the adjustable rate monthly mortgage payment increasing? If yes, the mortgage lender may offer options. Is there an unexpected major home maintenance expense? If yes, the mortgage lender may offer options.
If you or someone you know is havingproblems making the monthly mortgage payment, contact the Kansas CityReal Estate Network.
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today! 
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3 Ways to Stop a Foreclosure inGardner, Kansas
When your mortgage lender has filed aNotice of Default, your options as a Gardner homeowner are limited.Before the lender has filed the Notice of Default, be aggressive infollowing up with the mortgage lender in requesting options like aloan forbearance, loan modification or debt forgiveness.
If it is too late for assistance or themortgage lender has refused helping you, you still have options toprevent a foreclosure from ruining your credit.
You can request to short sale your home. If the mortgage lender accepts the short sale, they will most likely not go after you for a deficient judgment. If you hire a qualified short sale specialist, you should have no out of pocket expenses. In fact, you may get relocation expenses paid by the mortgage lender if you keep up the property. You can also agree to sell your home and pay any shortage. You can offer to give your home as a Deed-in-Lieu of Foreclosure. This may be less stressful, but mortgage lenders are telling me that the Deed-in-Lieu of Mortgage is viewed like a foreclosure on the credit report.
The Kansas City Real Estate Network isKansas City #1 Short Sale Specialist.
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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Preventa Foreclosure in Gardner, Kansas - Do You Qualify for a HAFA shortsale in Gardner, Kansas? Inorder for a Gardner homeowner to qualify for a HAFA short sale theymust meet the HAMP eligibility requirements. Without getting totechnical, the requirements are:The home must have been used as a principal residence and not vacant for more than 90 days. If the homeowner moved it must have been for a new job or for a job transfer. The homeowner must have originated the first mortgage on or before January 1, 2009. The homeowner must be in delinquency with the first mortgage or delinquency must be foreseeable. The homeowner must have a current unpaid principal balance that is $729,750 or less. The homeowner's monthly mortgage obligation must exceed 31% of the gross monthly income. The homeowner must have a HAMP qualified servicer.
Ifthe Gardner homeowner meets these requirements, then they shouldcontact a HAFA short sale specialist. If not all requirements aremet, maybe a HAFA short sale specialist can direct you to a KansasCity specialist who cab help you prevent a foreclosure.
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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During the past 30 days, 10 homes inGardner, Kansas received a foreclosure filing. That means 1 in every517 homes received a foreclosure filing.
The Johnson County, Kansas average fornew foreclosure filings the past 30 days is 1 in 783 homes receivinga foreclosure filing and the national average is 1 in 570 homesreceiving a new foreclosure filing.
In Gardner, Kansas, homeowners havetypically 90 days to redeem their home after a foreclosure.
The Kansas City Real Estate Networkworks with Gardner homeowners with preventing foreclosures. AsGardner, KS. Short Sale experts, we're helping Gardner homeownersevery day.
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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Kids in school, the final days of summer ahead as your family prepares for Fall....Should be a time to relax on the deck in your Gardner, Kansas home. Enjoying a few final weekends as summer activities make way for the new school year in the Gardner Edgerton School District is a routine fall ritual, right?
You’re family has been motoring along with its schedule and all of a sudden a few hiccups come along.
The Honda Van needs to be repaired, then your son gets injured in a football accident and now your spouses boss announces the news that he will need to start layoffs soon. The end of summer weekend vacation to Hillsdale Lake gets tossed off of the family plans.
The bills start piling up. The “payment due” notices for your mortgage become a weekly delivery in your mailbox. You just received a “Notice of Default” from your mortgage on your Gardner, Kansas.
Now what?
Solution 1 is the avoidance technique; you quit answering the telephone whenever the familiar “888” prefix pops up....you start to throw away the notices without opening them.
It works for a short while. But after a while, problems soon mushroom into catastrophes. The sheriff comes knocking at the door of your Gardner, KS. home and is the bearer of bad news. You have been foreclosed on, the bank wants your Gardner house back. 
When you checkout other Gardner housing situations you find out that the foreclosure and poor credit is limiting your options to rent a Gardner home, apartment or duplex.There are other choices, other options.
Solution 2 is to talk to friends or inexperienced confidant who recommends a high priced solution. Remember, the reason you’re in this situation is a lack of funds, right? Or worse yet. They don’t discuss their high fee until the end. Lets look at other solutions.
Ok, a friend recommends a Gardner REALTOR to help you for solution 3. Just happens that their best friend dabbles in real estate “part time”. You think you have hired a professional to help you out of the situation but a few days later you find out that the “part time” Gardner REALTOR” you just hired is actually learning. The last time they used the Short Sale Equator System was during the first update. Or worse yet, they have never used the Equator System. Don’t worry about getting any relocation expenses, They don’t understand the proper channels in requesting the expenses. If there is a problem, they don’t understand the escalation steps in order to get a proper remedy. The horror stories you have heard about short sale seem to be ALL true. The stress consumes ALL of your energy. You find yourself taking it out on your kids, spouse and friends.
If the 3 previous solutions don’t seem like good options, and we can understand if they don’t, try a forth option.
The forth solution is to contact an experienced Loss Mitigation Consultant from the Kansas City Real Estate Network who can help you solve your problems. We have a team of professional Gardner REALTORS and Lawyers who have successful solved the foreclosure problems of many Gardner Homeowners for the past 7 years. We bill the banks for serving you and we have even used HAFA and other programs to get relocation assistance of up to $5000 for you. Not only do we understand the Gardner short sales steps, we’re on short sale advisory boards.
The Kansas City Real Estate Network will inform you of your choices. A short sale in Gardner is not your only choice. You can refinance, request a loan modification, request a forbearance or give your deed in lieu of foreclosure.
We’ll explain what an Gardner short sale is and how Gardner short sales work. We’ll work with you on getting the proper documentation including an Gardner short sale hardship letter.We’ll explain how we’ll get an Gardner short sale negotiator from your lender.We’ll provide additional information about Gardner short sales.
Find out why the Kansas City Real Estate Network is the most referred name in helping homeowners out of foreclosure in Gardner, Kansas.
1) Did you know that foreclosures are handled differently in Kansas than in Missouri? That’s OK, most people don’t. We can help you whether you’re in Kansas or Missouri.2) Did you know that with many banks don’t answer request for short sales via phone, fax or email? That is right. We communicate with most banks through a private server that they have granted access to help homeowners prevent foreclosure.3) Did you know that most Gardner homeowners don’t pay us a dime? That is right. We collect our fee from the banks and they don’t tack on the fees to you.4) Of course you know that by choosing the wrong person to help you could possibly cost you thousands and BAD credit....?5) A delay won’t hurt, right? I mean I would like to see what I can do myself, first.Wrong idea. A delay of even 2 weeks can put a limit on options of what we can do for you. Did you know that a bank in certain circumstances can foreclose on a home and have the sheriff at your door steps in 45 days? We can help prevent this if we have enough time.6) Isn’t it worth your while to checkout your options?
If you said yes.
We agree.
Contact us for a “Free Consultation.” We’ll let you know up front whether we can help you. We can help you short sale your Gardner home.
RE/MAX sells more homes than any other real estate company.For a reason...should we talk?Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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Tour 7 homes just listed for sale in Gardner, Kansas. For more information, click on the View Details link or contact the Kansas City Real Estate Network. For more information on Gardner, go to: Gardner, Kansas.
The Kansas City Real Estate Network can setup private viewings of these homes or any other currently listed home in the Heartland MLS. Homes are delivered via IDX from the Heartland MLS. Not all homes are listed by RE/MAX.
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| Property Listings |
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 | 411 N Sumac Street
Gardner, KS | |
| MLS Number: 1740920 |
| Listing Price: $156,900 |
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| View Details |
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 | 17251 S Agnes Street
Gardner, KS | |
| MLS Number: 1735415 |
| Listing Price: $150,000 |
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| View Details |
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 | 959 E Stone Creek Circle
Gardner, KS | |
| MLS Number: 1731042 |
| Listing Price: $145,000 |
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| View Details |
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 | 31230 W 172ND Terrace
Gardner, KS | |
| MLS Number: 1745190 |
| Listing Price: $143,900 |
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| View Details |
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 | 134 N Pear Street
Gardner, KS | |
| MLS Number: 1745326 |
| Listing Price: $138,900 |
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| View Details |
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 | 32560 W 174th Street
Gardner, KS | |
| MLS Number: 1745232 |
| Listing Price: $130,000 |
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| View Details |
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 | 510 E Shawnee Street
Gardner, KS | |
| MLS Number: 1714052 |
| Listing Price: $128,000 |
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| View Details |
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RE/MAX sells more homes than any other real estate company.For a reason...should we talk?Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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Gardner, Kansas Foreclosure Laws - How to Stop a Gardner, KS. Foreclosure - What is a Short Sale?Kansas is a judicial foreclosure mortgage state with no non-judicial foreclosures available. All foreclosures in Gardner, KS. are processed through the courts. The foreclosure sale for Gardner properties held at the Johnson County courthouse steps around 130 days into the proceedings. A Gardner homeowner has typically 90 days from the sale date to redeem the sale at the sheriffs office. The best way to prevent a Gardner, KS. from foreclosure is to short sale it prior to the sale date.A short sale is when the mortgage lender allows a property to be sold for less than the amount owed on a mortgage and takes a loss. A short sale is important because in Kansas a deficiency judgment is allowed. When the bank accepts a short sale, they are agreeing to release the foreclosure and possible future judgements. If a mortgage lender forecloses on a property, they can attach a deficiency judgment. The Kansas City Real Estate Network can assist Gardner homeowners with a short sale. If you have questions about a foreclosure, we recommend consulting an attorney.How to stop a real estate foreclosure in Gardner, Kansas ---> Stop Foreclosure Now!Some common questions:Q) When does the sheriff come to the door and evict the Gardner homeowner?A) The sheriff will be sent to the home after foreclosure date and the redemption period are completed. This period is typically 90 days to 1 year after the sale date.Q) Can a Gardner homeowner sell a home after foreclosure?A) A Gardner homeowner can sell the property during the redemption period. Any amount over the redemptive quote can be kept by the homeowner.Q) I have heard horror stories about delays in processing short sales in Gardner. Are they true?A) Some of the horror stories are true. We have done so many short sales that we made a science of completing them. Most delays due to not completing the required paperwork in a timely matter. One lender told us that it takes the typical homeowner 60 days to complete and send in the proper paperwork. That is to long when the typical buyer wants to close within 45 days.
RE/MAX sells more homes than any other real estate company.For a reason...should we talk?Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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How does a mortgage lender qualify a Gardner, KS Homeowner for a Short Sale?- How to Stop a Gardner, Kansas Foreclosure
There are many misconceptions of what qualifies a Gardner, Kansas homeowner for a short sale. Lets ignore the paperwork and start with simple qualifications for requesting a short sale. The following is an explanation of the three major qualifications that most mortgage lenders look at in order to see if a Gardner, Kansas homeowner is qualified for a short sale.
I) Financial Hardship for Gardner, KS. homeowners
A financial hardship for Gardner, KS, homeowners is a verifiable issue that has caused the Gardner homeowner to miss mortgage payments on their Gardner, KS. home and will continue to miss mortgage payments for the near future. The Gardner, Kansas homeowner is having financial difficulties.
Financial hardships for Gardner, Kansas homeowners can be the results from:
1) Loss of job
2) Loss of income
3) Relocation
4) Illness of borrower or co-borrower
5) Divorce
6) Death of a co-borrower that helped you qualify for the mortgage loan
7) Declining local market property values
8) High medical bills
9) Hefty unplanned expenses
II) Monthly Shortfall for Gardner, KS. homeowners
A monthly shortfall is when a Gardner, KS. homeowner makes less then monthly expenses. Nearly every mortgage lender will want to see first before accepting a short sale that a Gardner homeowner cannot afford to pay their current mortgage. This is typically demonstrated by the Gardner, KS homeowner completing a financial worksheet or a monthly profit and loss statement.
The equation a mortgage lender uses to figure if a Gardner, KS. homeowner has a shortfall is:
Total Monthly Income – Total Monthly Expense = Monthly Shortfall
You may qualify if you have a monthly shortfall or if a monthly shortfall is imminent
III) Insolvency for Gardner, Kansas homeowners
In order to qualify for a short sale, a Gardner, KS. homeowner must not have the means to pay down their mortgage loan. This means that the mortgage company wants to see that the Gardner, KS. homeowner has more debt than they have in cash. The mortgage lender wants to see that the Gardner homeowner can no longer meet their financial obligations with their lender as debts become due.
The Gardner homeowner does not have to be completely out of cash – this is a common misconception; the mortgage lender typically will want to see that over time the Gardner homeowner will not be able to pay their mortgage obligation. Having cash in the bank for living expenses is common and will not disqualify a Gardner, Kansas homeowner.
A Gardner, Kansas Homeowner is looking to have the mortgage lender grant a short sale to prevent a Gardner real estate foreclosure. The lender will grant a short sale if they believe that a foreclosure is inevitable and by granting a short sale they will save expenses vs. processing a lengthy and expensive foreclosure. To the mortgage lender it is a business decision.
We help stop real estate foreclosures in Gardner, Kansas everyday. Find out why the Dowell Taggart Team of the Kansas City Real Estate Network is the most referred Loss Mitigation Short Sale Specialist in Gardner, Kansas.
RE/MAX sells more homes than any other real estate company.For a reason...should we talk?Blog post written by the Dowell Taggart Team of RE/MAX Premier Realty Comments are appreciated! Go ahead and add your 2 cents . . .We have 3 easy steps to find you the perfect home . Click here to get started, today!
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 |  | Tour of Gardner Foreclosure Homes For Sale
Tour these 5 foreclosure homes listed in Gardner, Kansas. For more information on these great homes in Gardner, KS. click on view details or contact the Dowell Taggart Team of RE/MAX Best Associates. These homes are homes received on a hotlist from the Heartland MLS and they are listed with coop REALTORS in Kansas City. |
| | Property Listings |
|  | 603 N Poplar Street
Gardner, KS | | | MLS Number: 1715594 | | Listing Price: $165,000 | | | | View Details |
|  | 107 E Warren Street
Gardner, KS | | | MLS Number: 1705495 | | Listing Price: $149,900 | | | | View Details |
|  | 501 E DOGWOOD Street
Gardner, KS | | | MLS Number: 1710935 | | Listing Price: $149,900 | | | | View Details |
|  | 518 S Oak Street
Gardner, KS | | | MLS Number: 1702816 | | Listing Price: $89,100 | | | | View Details |
|  | 118 N PINE Street
Gardner, KS | | | MLS Number: 1716348 | | Listing Price: $82,900 | | | | View Details |
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RE/MAX sells more homes than any other real estate company. For a reason...should we talk?
Blog post written by the Dowell Taggart Team of RE/MAX Best Associates
Comments are appreciated! Go ahead and add your 2 cents . . . We have 3 easy steps to find you the perfect home . Click here to get started, today! View the Kansas City Network's social media profiles: 
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Attractive home near Gardner Lake has wood privacy fence around backyard. Home has new carpet and new int & ext paint. Dining area has walkout to deck in back yard, Laundry room is off the kitchen. Master BR has walkin closets. Inspections welcomed but no repairs will be made. Gardner, KS. Foreclosure Home For Sale! |
| W. 159TH Terrace
Gardner, KS 66030 |
| Price: | $160,000 | | MLS#: | View Website | | Address | W 159TH Terrace (complete address on website)
Gardner, KS 66030 | | Type | Single-Family |
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Click Here to View Kansas City Foreclosure Homes Fore Sale
| Listing information courtesy of: RE/MAX BEST ASSOCIATES
The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc.(Heartland MLS). Copyright 2011, Heartland Multiple Listing Service, Inc. Heartland MLS and RE/MAX Kansas-Missouri do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. Listing Information last updated 1/22/2011. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private non-commercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Read Listing Data Terms of Use
Each RE/MAX Office is Independently Owned and Operated. © 2004-2011 Reliance Network and RE/MAX. All rights reserved. US Reg. Copyright TX-5-910-991, TX-5-910-992, TX-5-910-993, and TX-5-910-994. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.  Equal Housing Opportunity |
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Let us know what you think or add to our blog by writing a comment. Do you have a real estate question for the Real Estate Wizards? Email us at RealEstateWizard@DowellTaggart.comBlog post written by the Dowell Taggart Team of RE/MAX Best Associates
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This attractive home is in "Move in Condition" Int of home has been painted and new carpet in dining room. Living rm has cathedral ceiling and wood burning fireplace. Master bath has double vanity. Deck on rear of house for relaxation in the evening. Rec rm has walk out to back. Gardner, Kansas Foreclosure Home For Sale! |
| 174TH Terrace
Gardner, KS 66030 |
| Price: | $129,950 | | MLS#: | View Website | | Address | W 174TH Terrace
Gardner, KS 66030 | | Type | Single-Family |
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Most Realtors think that all distressed sales are the same. They’re not!
We know the difference between a short sale, foreclosure, reo, relo and an auction sale.
We’re saving our clients thousands like . . .
Lenexa homebuyer bought a $565,000 home on acreage for $245,000
Lenexa homebuyer bought a $924,000 property for $445,000
Mission homebuyer bought a $225,000 property for $94,000
Overland Park homebuyer bought a $565,000 home for $362,000
Olathe homebuyer bought a $180,000 house for $145,000
Gardner homebuyer bought a $190,000 home for $140,000
(this is a short list. We’re helping homebuyers everyday.)
If you would like to save thousands, maybe we should talk . . .
Give us a call at (913) 712-9313. | Listing information courtesy of: RE/MAX BEST ASSOCIATES
The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc.(Heartland MLS). Copyright 2011, Heartland Multiple Listing Service, Inc. Heartland MLS and RE/MAX Kansas-Missouri do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. Listing Information last updated 1/16/2011. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private non-commercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Read Listing Data Terms of Use
Each RE/MAX Office is Independently Owned and Operated. © 2004-2011 Reliance Network and RE/MAX. All rights reserved. US Reg. Copyright TX-5-910-991, TX-5-910-992, TX-5-910-993, and TX-5-910-994. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin. Equal Housing Opportunity www.remax.com More RE/MAX website links |
RE/MAX sells more homes than any other real estate company. For a reason...should we talk? Let us know what you think or add to our blog by writing a comment. Do you have a real estate question for the Real Estate Wizards? Email us at RealEstateWizard@DowellTaggart.comBlog post written by the Dowell Taggart Team of RE/MAX Best Associates
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