About Us
Congratulations! You have just found the home page of Caroline Allison, the most experienced and knowledgeable Certified Distressed Property Expert Houston Texas listing agent and Houston TX realtor.
How can I make these claims? I have personally talked face-to-face with over five hundred homeowners in distress. I’ve educated over three thousand homeowners on their options to avoid foreclosure. People have contacted me from all over the country to help them out of their unfortunate situations with their homes. Hundreds of people are in their own homes again today because I saved their credit from being destroyed by a foreclosure.
You have a whole range of options to avoid foreclosure available to you. Most of these options will not work in the real world because the bank will give you the run-around. I can tell you in a few minutes what is going to work and what will never work so you won’t waste your precious little time left running into dead ends.
Don’t end up like Debbie
Debbie was a single mother from a good family trying to raise a teenage son on her own. She and her husband had purchased their dream house together and then unfortunately went through a divorce. Debbie kept the house but became responsible for the mortgage payments on her own. Regrettably, she lost her job soon after the divorce during a budget cutback and had to quickly find another job for less pay. She borrowed money from (and never paid back) several family members to pay her mortgage payments. She pulled cash advances from her credit cards and even sold one of her cars to keep up with the mortgage payments. Eventually with all her reserves gone Debbie was forced into bank foreclosure and faced life on the street. Debbie and her son had to move into a halfway house run by a local charity in a less pleasant area of town to keep a roof over their heads.
Debbie’s son, Michael suffered the worst of anyone. In his senior year of high school, when his classmates were making lifetime memories, Michael was forced to attend another school in the jurisdiction where he now lived. Worse, his classmates found out he was living in a shelter and ridiculed him until he decided to drop out of school. With her credit ruined by the foreclosure, Debbie was powerless to buy another home or find a rental company that would accept her. She meant well, but in the end she chose her house over the well being of her family. Debbie loved her house so much that, that while this was all going on, she turned a blind eye to every solution offered to her by the bank and others because she wanted to stay in her home. By the time Debbie took action and called me (one day before the foreclosure auction), it was too late for even me to help her.
Take Action Now
Take action; call me. Usually one of the best options available for distressed homeowners is the short sale. What is a short sale you ask? A short sale is an agreement by your lender to take less than what is owed on your mortgage in order to get your property sold for more than it probably would at the foreclosure auction. I’ve negotiated more short sales than any other Houston Texas realtor I’ve met. I know how to reach the short sale decision-makers at the bank and I know how they think. Most of the Houston realtors and attorneys walking the earth today do not know how to short sale. Most of these banks treat borrowers like second class citizens when they call and will only negotiate your mortgage with a third party like me. Are you going to risk your family’s future and the little time you have left on an unproven negotiator? I hope not.
Are you debating a short sale vs foreclosure? The choice is simple from a credit standpoint. A bank foreclosure can lower your credit score by up to 350 points to grade D or F credit. How does a foreclosure credit drop affect your life? Firstly, reputable lenders won’t touch you for up to 7 years. I’m not talking about loan predators but lenders who are household names. Credit card companies will charge you up to 25% to 29% interest rates. Worse, landlords won’t touch you with a foreclosure on your record, so when you lose your home you won’t be able to find a safe place to rent. With grade B credit (680 to 720) you can get conventional loans right away at 5% interest rates and credit cards at around 3% interest rates. Many homeowners I’ve helped with a home short sale walked away with credit scores around 700.
Did you know that in some short sale cases the bank will even PAY YOU $20,000 CASH in your pocket just to move out of your house? However, the bank only offers this money for a certain window of time – and when that window is closed, it is closed forever. Call me to talk about your options at 832.661.6097. There’s no obligation to do anything unless we mutually decide to move forward with each other.
I’m On Your Side
I’m not going to cherry-coat your situation. I’m not going to lie to you to get your listing. I will tell you the truth about your options, even if you don’t want to hear it. I’m not a Houston realtor who wants to have 100 active listings in the hope that 5 of them sell. I’m not a time waster and I don’t work with time wasters. I only work with a select number of homeowners a year. If you are serious about getting relief from the financial burden of your home, keeping a roof over your family’s head, and getting on with life, then call me at 832.661.6097.
Here’s what a few of the people I’ve helped have said about me:
How can I make these claims? I have personally talked face-to-face with over five hundred homeowners in distress. I’ve educated over three thousand homeowners on their options to avoid foreclosure. People have contacted me from all over the country to help them out of their unfortunate situations with their homes. Hundreds of people are in their own homes again today because I saved their credit from being destroyed by a foreclosure.
You have a whole range of options to avoid foreclosure available to you. Most of these options will not work in the real world because the bank will give you the run-around. I can tell you in a few minutes what is going to work and what will never work so you won’t waste your precious little time left running into dead ends.
Don’t end up like Debbie
Debbie was a single mother from a good family trying to raise a teenage son on her own. She and her husband had purchased their dream house together and then unfortunately went through a divorce. Debbie kept the house but became responsible for the mortgage payments on her own. Regrettably, she lost her job soon after the divorce during a budget cutback and had to quickly find another job for less pay. She borrowed money from (and never paid back) several family members to pay her mortgage payments. She pulled cash advances from her credit cards and even sold one of her cars to keep up with the mortgage payments. Eventually with all her reserves gone Debbie was forced into bank foreclosure and faced life on the street. Debbie and her son had to move into a halfway house run by a local charity in a less pleasant area of town to keep a roof over their heads.
Debbie’s son, Michael suffered the worst of anyone. In his senior year of high school, when his classmates were making lifetime memories, Michael was forced to attend another school in the jurisdiction where he now lived. Worse, his classmates found out he was living in a shelter and ridiculed him until he decided to drop out of school. With her credit ruined by the foreclosure, Debbie was powerless to buy another home or find a rental company that would accept her. She meant well, but in the end she chose her house over the well being of her family. Debbie loved her house so much that, that while this was all going on, she turned a blind eye to every solution offered to her by the bank and others because she wanted to stay in her home. By the time Debbie took action and called me (one day before the foreclosure auction), it was too late for even me to help her.
Take Action Now
Take action; call me. Usually one of the best options available for distressed homeowners is the short sale. What is a short sale you ask? A short sale is an agreement by your lender to take less than what is owed on your mortgage in order to get your property sold for more than it probably would at the foreclosure auction. I’ve negotiated more short sales than any other Houston Texas realtor I’ve met. I know how to reach the short sale decision-makers at the bank and I know how they think. Most of the Houston realtors and attorneys walking the earth today do not know how to short sale. Most of these banks treat borrowers like second class citizens when they call and will only negotiate your mortgage with a third party like me. Are you going to risk your family’s future and the little time you have left on an unproven negotiator? I hope not.
Are you debating a short sale vs foreclosure? The choice is simple from a credit standpoint. A bank foreclosure can lower your credit score by up to 350 points to grade D or F credit. How does a foreclosure credit drop affect your life? Firstly, reputable lenders won’t touch you for up to 7 years. I’m not talking about loan predators but lenders who are household names. Credit card companies will charge you up to 25% to 29% interest rates. Worse, landlords won’t touch you with a foreclosure on your record, so when you lose your home you won’t be able to find a safe place to rent. With grade B credit (680 to 720) you can get conventional loans right away at 5% interest rates and credit cards at around 3% interest rates. Many homeowners I’ve helped with a home short sale walked away with credit scores around 700.
Did you know that in some short sale cases the bank will even PAY YOU $20,000 CASH in your pocket just to move out of your house? However, the bank only offers this money for a certain window of time – and when that window is closed, it is closed forever. Call me to talk about your options at 832.661.6097. There’s no obligation to do anything unless we mutually decide to move forward with each other.
I’m On Your Side
I’m not going to cherry-coat your situation. I’m not going to lie to you to get your listing. I will tell you the truth about your options, even if you don’t want to hear it. I’m not a Houston realtor who wants to have 100 active listings in the hope that 5 of them sell. I’m not a time waster and I don’t work with time wasters. I only work with a select number of homeowners a year. If you are serious about getting relief from the financial burden of your home, keeping a roof over your family’s head, and getting on with life, then call me at 832.661.6097.
Here’s what a few of the people I’ve helped have said about me: