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Do Not Be Afraid to Re-Evaluate Your Home Equity!

Monday, October 6th, 2014

Due to the crash in the Georgia real estate market, many homeowners have been afraid to evaluate the equity in their home.  While most homeowners check on their other investments regularly, such as stocks and retirement …

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Short Sale GA informs homeowners…It’s a perfect time to sell!

Friday, August 29th, 2014

Short Sale GA informs homeowners that it’s a perfect time to sell.  For many homeowners it may be hard to believe that now is the best time to sell their home.  For the last 5-6 years, the …

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Short Sale Georgia announces rising home prices are helping Georgia homeowners!

Thursday, July 31st, 2014

Short Sale Georgia announces that homeowners in Georgia are regaining equity in their homes.  For many homeowners the recent increase in home prices is helping to minimize struggles that many families faced when the housing crisis first hit.  According …

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Short Sale Georgia offers Homeowners good News of the Rebounding Real Estate Market!

Monday, April 28th, 2014

Short Sale Georgia offers good news of the rebounding real estate market.  When the housing crisis hit Georgia many homeowners wanted to sell their home but found themselves unable to do so.  For some Georgians, the bottoming-out of the …

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“I’ll be back”…….The Housing Market.

Wednesday, March 12th, 2014


For many home owners the news continues to get better and better about their options in selling their home.  According to the National Association of REALTOR®, prices rose 14.5% year over year in June of 2013.  This was the biggest yearly …

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Underwater Homes Reach the Surface in Georgia!

Friday, January 31st, 2014

Many Georgia Real Estate Experts agree that the real estate market is on an upward trend.  There are many factors that indicate that the real estate market is rising to the surface.  In Georgia, there are fewer distressed properties on the …

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Your Georgia Home May Be Worth More Than You Think!

Monday, December 30th, 2013

Today’s real estate market is very different than it was a year ago. Prices have increased rapidly over the pas-t 6-8 months as parts of a steady recovery we’re seeing take place across the nation in real estate. If you …

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Time is Running Out for the Mortgage Debt Relief Act

Tuesday, October 29th, 2013

Time is running out for the Mortgage Debt Relief Act.  The legislation which was always intended to be a temporary solution to the housing crisis is now set to expire at the end of 2013.  Even though the Mortgage Forgiveness Debt Relief Act was extended last year, there is no …

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Uncle Sam May Pay You to Sell the Home You Can’t Afford!

Monday, September 30th, 2013

One of the most talked about government programs to help distressed homeowners; is The Home Affordable Foreclosure Alternative also known as HAFA.  When the housing market crashed in 2008, millions of homeowners suddenly found themselves in danger of losing their homes to foreclosure.  Created in 2009 …

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Unrelenting Perseverance + Andy Murray = Wimbledon Victory!

Friday, July 12th, 2013

Finally…one talented and very determined Englishman has won the 2013 Wimbledon title! How many could have guessed that a single, British mother of ordinary means would have raised England’s nationally celebrated tennis champion, Andy Murray? Triumph replaced 77 years of national heartache when the English annually watched their coveted award …

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Bank of America Lied to Homeowners According to Former Bank Employees!

Friday, June 21st, 2013

Home Owner shares her success selling her home with Matthew Sipera, Realtor from Matthew Sipera on Vimeo.

Bank of America lied to homeowners according to former bank employees. A class action law suite has been filed in the beginning of June 2013 …

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Real Life: A Story of a Miracle on the Radio

Wednesday, June 5th, 2013

Home Owner shares her success selling her home with Matthew Sipera, Realtor from Matthew Sipera on Vimeo.

For homeowners who are in danger of losing their home to foreclosure, it is common to feel like they are alone and that no one …

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Fannie Mae New Short Sale Escalation Program…..Another Home Run!

Wednesday, May 29th, 2013

The Fannie Mae New Short Sale Escalation Program continues to be a great tool for home owners who are selling their home as a short sale in Georgia to avoid foreclosure.  Mrs. Amybeth is one of our most recent satisfied home owner who has avoided …

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Fannie Mae New Short Sale Escalation Program……It Works!

Friday, April 12th, 2013

I recently wrote an article informing home owners of the New Fannie Mae Escalation Program.  I recently used the program to dispute a home value with the servicer/bank and the outcome …

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Fannie Mae Announces a New Short Sale Escalation Program!

Monday, April 1st, 2013

Fannie Mae announces a new short sale escalation program.  Fannie Mae is now working directly with real estate professionals to assist in a more smooth process for home owners who are considering selling …

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Sell Your Home Fast with!

Friday, February 22nd, 2013

Sell Your Home Fast in Atlanta, Georgia. Smooth Process and Hassle Free! from Matthew Sipera on Vimeo.


Sell your home fast with!  We have partnered with several institutional investors who have millions of dollars to invest in the Metro-Atlanta area.  These investors can …

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Mortgage Forgiveness Debt Relief Act has been extended for another year!

Thursday, January 24th, 2013

 The Mortgage Forgiveness Debt Relief Act has been extended for another year as part of the “fiscal cliff” vote!  If you were wondering if anything good came from the “battle over the fiscal cliff” the answer is……Yes.  …

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Bank of America short sale can be a smooth process with the right real estate agent!

Wednesday, January 16th, 2013


Bank of America short sale can be a smooth process with the right real estate agent when you eliminate common document errors.   When the seller provides their short sale packet with an offer to Bank …

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Bank of America Announces that HAFA Program has expired on December 31, 2012!

Monday, January 7th, 2013

Bank of America announces that Fannie Mae and Freddie Mac Home Affordable Foreclosure Alternative (HAFA) program has expired on December 31, 2012.  Fannie Mae and Freddie Mac have established a cutoff date of December 14, 2012 for all Short Sale Agreements to be issued out to the homeowner for files …

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Fannie Mae Suspend Evictions During Holidays!

Friday, December 21st, 2012

Fannie Mae will suspend evictions of foreclosed single family and 2-4 unit properties from December 19, 2012 through January 2, 2013.


The entire Fannie Mae blog can be found at


As a Certified Distress Property Expert …

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Fannie Mae and Freddie Mac Halt Foreclosures for the Holidays!

Wednesday, December 19th, 2012

Foreclosures suspended during Holidays! reported that Fannie Mae and Freddie Mac, along with some of the nation’s biggest lenders will suspend some foreclosures during the holidays from December 17, 2012 through January 2, 2013.


The entire …

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Foreclosure…….Is like a hurricane destroying everything in its path!

Tuesday, December 11th, 2012

The financial world has changed a lot since many homeowners have purchased their home. There are 10 million homeowners falling further and further behind on their mortgage payment each month because of high unemployment, increased cost of living …

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FHA Pre-Foreclosure Program..…Do you need to sell your FHA-insured home as a short sale?

Wednesday, December 5th, 2012

FHA PRE-FORECLOSURE from Matthew Sipera on Vimeo.

The United States Department of Housing and Urban Development (HUD) offers a program, known as the FHA Pre-Foreclosure Short Sale, that allows homeowners behind on their mortgage to sell their home as a short sale.

Eligibility Requirements:

Property must …

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Real Estate Market

Friday, November 16th, 2012

If you are like most people, the news you hear about the real estate market can by very confusing.  On the one hand, real estate has been one of the hardest hit sectors of the economy.  On the other hand, there are some reports about the real estate being one …

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Buy a Home in Cumming Georgia

Tuesday, November 6th, 2012

FORSYTH MARKET ANALYSIS from Matthew Sipera on Vimeo.

Matthew Sipera, REALTOR® AND CDPE shares the Cumming Georgia Area statistics for September 2012.

Total of 209 Homes Sold.
Average Purchase Price was $212,000 (+/-)
Total Days on Market was 140 Days (+/-)
11 of the Homes Sold were Short Sales

If you would like …

continue reading Discuss The Foreclosure Fairytale

Wednesday, October 31st, 2012

For the vast majority of homeowners in Georgia who are in danger of losing their homes, a short sale represents a vastly superior option than a foreclosure.   I would not be surprised to find out that many of you have heard the fairytale that a foreclosure is sometimes the best …

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Matthew Sipera on Victory 91.5

Friday, October 26th, 2012

Matthew Sipera, Real Estate Expert with Horner Baker Partners and Best-Selling Author appeared on Victory 91.5 radio station to talk about his book, “The New Rise In Real Estate,” and how he helps sellers and buyers purchase homes in the new real estate economy….

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Mortgage Forgiveness Debt Relief Act

Friday, October 12th, 2012


In 2007, the Mortgage Forgiveness Debt Relief Act was passed in an attempt to help homeowners who were experiencing a hardship and might lose their home to foreclosure.
The Act has helped many distressed homeowners find …

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Can I Stop Home Foreclosure With A Loan Modification?

Thursday, October 4th, 2012

Can I Stop Home Foreclosure With A Loan Modification – The short answer is “Yes”.  However, loan modifications are not a “cure-all” for all distressed homeowners.  While it is true that it can be a good option for some people, it isn’t always the best solution.

As a Certified Distressed Property …

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The 9 Step System to Get Your Home Sold Fast and For Top Dollar

Saturday, July 7th, 2012

Selling your home is one of the most important steps in your life. This 9 step system will give you the tools you need to maximize your profits, maintain control, and reduce the stress that comes with the homeselling process:
1. Know why you’re selling, and keep it to yourself.
The reasons …

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Matthew Sipera is a Real Estate Expert with Horner Baker…

Friday, June 15th, 2012

Matthew Sipera is a Real Estate Expert with Horner Baker Partners. He talks about Bank of America new Short Sale Relocation Program. Call Matthew Sipera at 678-828-4408 or visit to discuss your options.

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The Mortgage Forgiveness Debt Relief Act Expires at end of 2012

Friday, June 8th, 2012

In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their home to foreclosure.
The act has helped many distressed homeowners find solutions that help them avoid …

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Bank of America has a new Short Sale Relocation Assistance Program!

Wednesday, May 16th, 2012

Bank of America has announced a new Short Sale Relocation Assistance Program for a limited time in which qualified homeowners who initiate a short sale without an offer could be eligible to receive $2,500 – $30,000 in relocation assistance and owe no more on their mortgage with the …

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10 Things You Need to Know Before You Hire an Agent

Wednesday, April 25th, 2012

“”It’s critical that you make the right decision about who will handle what is probably the single largest financial investment you will ever make.”“
Not all real estate agents are the same. If you decide to seek the help of an agent when selling or buying your home, you need …

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Top Selling Communities in South Forsyth High School in Georgia

Wednesday, April 18th, 2012

The Top Selling Communities in South Forsyth High School district listed between $200,000 to $400,000 from the time period of 06/01/2011 thru 01/01/2012 according to REDataCenter Inc are:1) Mristone2) Shiloh Farms3) Jamestown4) Wallace Run5) Majors Mill Crossing6) Blackstock Mill7) Northern Oaks8) Stonecrest at Johns Creek9) Longlake10) Chattahoochee River Club11) James …

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Best Selling Homes in West Forsyth High School Have In Common?

Friday, April 6th, 2012

Have you ever wanted to know what the best selling homes in West Forsyth High School have in common?  Per REData Inc from 06/01/2011 to 01/01/2012, the best selling homes price range were $200,00 to $300,000 with four total bedrooms, three full bathrooms, and the master bedroom located on …

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The $25 Billion Robo-Signing Settlement

Friday, March 30th, 2012

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions. But for distressed homeowners, there is only one:
Can this settlement help me stay in my home?
The answer: …

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West Forsyth High School District in Georgia

Friday, March 23rd, 2012

If you are looking to buy or sell a home in Cumming, Georgia in the West Forsyth High School district, you should know the following.  According to REDataCenter Inc from 06/01/2011 to 01/01/12, homes in the price range of $200,000 to $300,000 sold more often than any other price …

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Why Bank of America Traditional Short Sales work sometimes better than HAFA Short Sales?

Wednesday, March 7th, 2012

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Is Your Mortgage Out of Balance with your Budget?

Friday, February 24th, 2012

It can happen quickly.
 An expensive car repair, an unexpected hospital visit, a missed week of work – just a few little things and the life you’ve worked so hard to build can feel like it’s tipping dangerously out of balance.
Once the scales turn against you, it …

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Freddie Mac started a 12-Month Forbearance for Unemployed Borrowers!!

Thursday, February 2nd, 2012

Freddie Mac started a 12-Month Forbearance for Unemployed starting on February 1, 2012 to help home owners avoid foreclosure.  This program is giving mortgage servicers authority to provide six months of forbearance to unemployed mortgage holders without prior approval, and an additional six months (12 months total) with prior approval.
Click …

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Bank of America Reduces Window for Short Sale Backup Offers!

Thursday, January 12th, 2012

Bank of America has reduced the window to submit a short sale backup offer from 14 days to 8 calender days to reduce overall cycle times.  Backup offers must now be submitted within these 8 days after the initial offer becomes invalid.
Once a backup offer becomes necessary:
Contact your short sale specialist immediately …

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Short Sale Fraud on the Rise!

Thursday, December 29th, 2011

Protect yourself from short sale fraud in Georgia by using a Certified Distress Property Expert (CDPE) REALTOR®.  Did you know that according to a FBI report 91% of mortgage fraud occurred within the last decade between 2007 and 2010?   In these challenging economic times, there are those who are using real …

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Mortgage Payments Weighing You Down?

Wednesday, December 21st, 2011

As we enter into the holiday season, millions of families are fearing foreclosure and not knowing where to turn.  More than 25 percent of homeowners in this country owe more on their home than it’s worth in today’s market. Add to that an unacceptable rate of unemployment and underemployment, and …

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Take Action Now to Turn It Around in 2012

Saturday, November 26th, 2011

Recent economic upheaval has taken a hefty toll. Looking forward to 2012, it’s impossible to know what’s next and the kind of an impact that an upturn or a downturn at the national level stands to have on your family’s finances.
Regardless of what happens in Washington or …

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Mortgage Payments Putting Pressure During The Holidays!

Friday, November 18th, 2011

As a Realtor® and Certified Distressed Property Expert (CDPE), Matthew Sipera has developed a website providing information describing an alternative for homeowners to avoid the negative financial impact of foreclosure.
This community resource is available at and defines short sales as one of the foreclosure alternatives to homeowners.
The holidays …

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More HAFA Information

Thursday, November 17th, 2011

More HAFA Information

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What In the World is HAFA?

Wednesday, November 9th, 2011

In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP). The HAFA program took effect on April 5, 2010 and ends on December 31, 2012….

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Foreclosure Fears Foster True Grief

Friday, October 28th, 2011

Reports of foreclosures by the millions have been in the news so much over the past few years that to some, it might seem like the new normal. 
But as a real estate professional who is in the trenches with financially stressed homeowners every day, it never for …

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Feeling Financially Squeezed?

Wednesday, October 26th, 2011

Short sales are a terrific option for homeowners struggling with unaffordable mortgage payments. In fact, lenders’ losses due to foreclosure are projected to increase at record rates in 2011, giving them more reason to pursue short sales. Lenders are projected to incur losses as severe as 85 percent in …

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Solving Your Mortgage Crisis Just Got Easier!

Wednesday, October 5th, 2011

5 Steps for a Successful Short Sale
Lenders and the federal government, prompted by the sheer volume of loan modification and short sale requests, have overhauled their systems and programs, making the foreclosure avoidance process much easier than in the past.
If you are considering short selling your home …

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It’s Time To Take Another Look at Short Sales!

Friday, September 30th, 2011

As recently as a few months ago, if you would have told a real estate agent who specialized in short sales that they’d be raving about a lender’s stellar service and rapid approval times—not to mention significant cash incentives for financially strapped homeowners for pursuing a short sale—you’d have …

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3 Reasons the Term “Strategic Default” Is Misleading!

Friday, September 23rd, 2011

In a recent study, the Chicago Booth/Kellogg School Financial Trust Index found that a full 36% of Americans would consider “strategic default”—another term for walking away from your mortgage—if they were underwater (owed more on their home than what it was worth).
Now that more than one in four …

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Mortgage Relief Fraud: Will You Be the Next Victim?

Wednesday, September 21st, 2011

Not if I have anything to say about it!
The FBI reported a jump in mortgage relief fraud investigations from 2008-2010, and expects this number to have grown in 2011.
That’s why it’s my duty to educate homeowners in my community on the cautions they need to take, and …

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Break Free From Unaffordable Mortgage Payments!

Friday, September 16th, 2011

A recent study in Nevada found that only 5% of distressed homeowners knew they had alternatives to foreclosure, and only 3% took advantage of them. It was also found the 1 in 4 homeowners chose to “strategically default,” or allow their homes to be foreclosed upon on purpose!
Clearly, too …

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Short Sale vs Foreclosure?

Wednesday, September 14th, 2011

You make the call!
I get the question from people all the time: short sale or foreclosure, which is the better option? My knee-jerk reaction is always “Are you kidding? Short sale, of course!” This has been mostly because I was always under the impression that a short …

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Missing Mortgage Payments?

Wednesday, September 7th, 2011

It’s Not Too Late
Wondering what a homeowner should expect when payments are missed? The most important thing to know is that no matter what stage of default a homeowner is in, there is almost always a way to avoid foreclosure. That being said, the quicker a homeowner …

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Renewed Trust for Tough Times!

Friday, September 2nd, 2011

Does it feel like trust is one of the major casualties of the economic meltdown of 2008 – followed by the “Great Recession,” the “Jobless Recovery” and now the threat of a “Double Dip Recession?”
Weren’t we assured that home values were destined to go up and up and …

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Can a Home Owner apply for HAFA program with Freddie Mac investor loan?

Wednesday, August 31st, 2011

Yes, Freddie Mac will allow home owners to apply for Home Affordable Foreclosure Alternatives (HAFA) program.  However, the home owner will not qualify for HAFA if they already have an offer on their home.
Call Matthew Sipera today who is a CDPE REALTOR® and he can explore all your options when …

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Can a home owner qualify for Bank of America’s CO-OP program if they have a Fannie Mae investor loan?

Wednesday, August 31st, 2011

Earlier this week, one of my home owners who is selling their home as a short sale was told by Bank of America’s CO-OP program that she did not qualify for their CO-OP program because she had a Fannie Mae investor loan.  
As a CDPE REALTOR®, Matthew Sipera can help …

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Does a home owner have to be delinquent on their mortgage payment to be eligible for HAFA??

Friday, August 26th, 2011

Today, one of my home owners who is applying for Bank of America HAFA was told that their Property Mortgage Insurance (PMI) company is requiring the home owner to be 60 days delinquent on their mortgage payment before the PMI Company will approve them for HAFA.
As a CDPE REALTOR®, Matthew Sipera can …

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Does Bank of America Short Sale Homes Contribute Closing Cost to Buyers?

Thursday, August 25th, 2011

Yes!! When Bank of America is selling one of their properties as a Short Sale they will contribute closing cost to Buyers. The Bank of America investor guidelines state; Bank of America will ONLY pay for Seller Conribution to Buyer’s Closing Cost for a Buyer purchasing one of their …

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Handling the Stress of an Unaffordable Mortgage Payment…

Saturday, August 20th, 2011

Whenever I research the latest foreclosure and distressed property statistics, the sheer number of Americans facing the stress of losing their homes amazes me.  It is my goal to help as many Georgia homeowners I can by relieving the burden of their mortgages by exploring their options. Knowing that …

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Success Stories


My husband and I were referred to Matthew Sipera, REALTOR® when we needed to sell our home as a short sale. We had looked into other realtors, but they did not have the knowledge that Matthew has...more


Matthew Sipera demonstrated outstanding skills as my realtor. His impressive knowledge of the Atlanta market helped me escape a tough situation. I am very impressed by his persistence and his marketing skills...more


I would never hesitate to recommend you to handle any real estate transaction, as you certainly know all it takes to get the job done. You are an honest and straight forward, dependable individual....more

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