We bought our home in Ladera Ranch in early 2006', and we had a $675,000 first loan and a $84,000 2nd loan. In early 2008', my employment was cut back and my income went down substantially.  We started to keep up on our home payments using our credit cards, but were getting deeper in debt. So we tried to sell our home with a local agent to reduce our monthly expenses and downsize.  We never got any offers, for it turns out the value of our home had dropped down to about  $590,000.

A friend of ours told us to call Nick Roshdieh, with the Short Sales ASAP team.  Nick was very understanding of our situation, and gave us great comfort as to  how a short sale could get us out of our financial problems.  Nick and his team handled everything for us, and the whole process was completed in less then 90 days.  Our monthly  payments are now about $1,700 less per month then what we used to pay, our home debt is now zero instead of negative $168,000, and we're living stress free.  Thank you Nick and the Short Sale ASAP team...
- Gary and Debbie R., Ladera Ranch, CA.

We tried to get a Loan Modification using another Company, but they were unsuccessful.  During that long process, our mortgage payments became very behind by about 10 months.  The Foreclosure Auction sale was scheduled by the 1st Mortgage Bank, and we were frantic.  By the time we found out about Nick and Vince on Thursday, the Trustee Sale Auction was set for Tuesday at 1PM of the following week.  

They were able to postpone the foreclosure sale, and then found a buyer for our home within 2 weeks.  They set-up the Short Sale with the 1st and 2nd loan banks, and handled all of the communications and negotiations.   They got the Banks to agree, and the Escrow was closed within 49 days or me stepping in their office on that important Thursday.  We are now living in a another home, for $2,000 per month less then what we were paying.... Thanks Nick and Vince 
- Byron and Sara J., Mission Viejo, CA. 

Our Talega home was listed for sale for 9 months with no offers.  We bought this 2 story home in June of 2005' for $805,000, and we had a 1st mortgage of $644,000, and a 2nd mortgage for $80,500.  Andy's job position was eliminated here locally, and he got a job transfer out of state.  We were hoping to sell our house for around $775,000  price, just to get out of the mortgage debt we owed, but the agent we hired was not able to do so. 

We heard about Short Sales during this time, and found the Short Sales ASAP team.  Nick and Vince were very informative, and answered all of our questions and concerns.  They totally handled the whole short sale process for us, and within 3 weeks, we were in escrow with a new buyer for the home.  2 months later, the short sale was completed, escrow closed, and we were able to move our family to our new home in Texas.  We are working with a Credit Restoration firm that Nick and Vince recommended, and we plan to be able to buy a home out here within 12 months, and we will be over $200,000 ahead by not having the upside debt of our Talega home. We strongly recommend Nick and Vince to handle your short sale...   
- Andy and Jane Z., Talega - San Clemente, CA.

My bonuses were cut back, and my wife lost here job at a shipping company.  We were having a very hard time making our mortgage payments on our 3 bedroom Irvine home.   I talked to some businesses about getting a loan modification, but our debt to income ratio was to high, and we still would have owed $225,000 more then the home was really worth today.

A co-worker told me about the ShortSaleASAP group, and I gave them call the next day.  Mr Roshdieh was very friendly, and got right to the point as to the advantages and disadvantages of a short sale.  We signed up with them, and they handled the whole thing.  All we needed to do was fill our some forms and applications which took me about 45 minutes.  They marketed the home for sale, found us a good buyer, fought with the banks on our behalf, and 85 days later, our home was closed and we moved to our new home... we are happy - negative debt wiped out and saving $1,500 every month....
- Kamal and Gurinder K., Irvine, CA. 

I loved our Brea Townhome, but my husband's income was cut back and our mortgage payments increased because of the adjustable rate mortgage.  The financial pressure was to much, so we decided to short sale our condo.  A neighbor of ours told us about the oc short sale team, so we called them up, and several other neighborhood realtors.  We interviewed 3 agents, but were most  impressed with the knowledge and experience that Nick and Vince had.  

They had a very thorough a neat package of documents for us, and the whole sign up process took just 30 minutes.  From then on, the sort sale ASAP group did everything else....  Called the banks,  put up the signs and lock box, marketing the home for sale, found the buyer, convinced the banks to do the short sale... the whole nine yards... During this time, we were able to live in our home without payments, except for HOA dues.  We were very stressed out at first, by when it was all over, it was as if a 1,000 pound weight was lifted from our backs.  Bless you Nick and Vince. 
- Paul and Sylvia J., Brea, CA. 

Due to the severe recession that has hit Orange County, sales at my business were down by 40%.  I was forced to close several of my stores, and had to also cut back on my personal expenses.  I decided to list my Newport Beach property for sale, and move into one of my rental homes.  I could not sell the home for what I owed, so I decided to short sell.  

Given my complex financial situation, I needed to make sure that the short sale was going to be handled flawlessly.  I was referred to Mr. Roshdieh through a work associate, and I also consulted with 4 other real estate agents.  By far, Nick and his partner Vince, were the most knowledgeable and informative.   To make a long story short, they completed the short sale in 97 days, the over $1Million dollars in mortgage debts were eliminated, and my other rental properties were un-affected.  They also put me in touch with a top notch Accountant who assisted me in filling my 2008' taxes so that I had no Income Tax liability as a result of the short sale. My hats off to the Short Sales ASAP group, and I have referred them to others that I know...   
- Dennis P., Newport Beach, CA. 

This was the second home that we have owned.   The price in 2006' was more then I though we could afford, but our past mortgage lender convinced us we could do it.  He told us to use an adjustable rate mortgage, and he would re-finance us to a fixed rate in several years.  In 2008' when we contacted him to refinance, and he told us he could not do it anymore.  Then, our payments  went up about $1,500 per month, and we were stuck.  Even worse, the sales at our shop started to decline, and we were not able to make our home payments.

We read about Mr. Bindi and Mr. Roshdieh in an article about short sales, so we called them.  They were very helpful, and were not pushy.  After some though, we decided to short sale our home with them.  They handled everything, so that we could concentrate on the business at our shop.  Our monthly expenses are now $2,000 per month less, and Nick is going to help us buy another home in about 16 months, and we are about $175,000 better off by not owning that home and the large debts.  Our thanks to Mr. Roshdieh and Mr. Bindi... 
- Peter and Alice W., Tustin, CA. 

Our lender encouraged us to stretch and buy as much house as we could afford, because so many people were making money in real estate.  Sounded good at the time, so we did.  We put 5% down, and got one of those pick a pay loans.  Several years later, my wife had some health problems and had to stop working.  so we made the minimum payments possible so we could keep up on the loan payments.  The home values started to drop, and our loan balance was slowly going up, not down.  After about a 1.5 years of this, we were upside down by about $200,000. 

We called Mr. Roshdieh, and he explained all of the pros and cons of a short sale.  After our experience with our past lender, we were a little leery at first.  But after a long conversation with Nick, we were comfortable that we were in good hands.  The OC short sales team guided us from A to Z, and we really didn't have to much at all.  We hand to stop making our mortgage payments.  The whole process from beginning to end took only 3.5 months.  We were able to save up some money, and now live in a very comfortable 2 bedroom condo, and enjoying the thousands per month we are saving.  My gratitude to Nick and his team...
- Frank and Beth C., Fountain Valley, CA.

We were devastated and scared.  We refinanced our Coto home back in 2006', and pulled money out using a Home Equity Line of Credit to start-up a new franchise business we have dreamed about.  A couple of years later, the economy went into the tank, and I had some health issues, and our franchise went out of business.  Now we were stuck with a huge $250,000 HELOC loan debt.  We looked into to selling the property to retire this loan, but the neighborhood realtor told us there was no way.  We thought about letting the whole thing go to Foreclosure but we latter learned that the 2nd mortgage HELOC loan could come after us legally to collect their $250,00 debt, after the Foreclosure sale.  We could not believe how this happened to us.  

We heard about short sales, and read about Nick and Vince's company, Short Sales ASAP.  We met with Nick, and he told us that they had great success at conducting short sales and getting the HELOC loan totally terminated so we didn't have to worry about them coming after us.  Well, 4 months later, their claim came true.  They contacted both our lenders, presented our case, marketed and sold the home to a buyer, and got the short sale approved closed... and best of all, we got a letter from the HELOC loan bank, stating that we no longer owed them a dime.  We learned a very tough lesson, and we thank Nick and his top notch team for pulling us out of that financial hole...   
- Smitty and Eilene S., Coto De Caza, CA.

At this stage of our life, we thought we were financially set.  Our two kids went off to College, and we refinanced our home to pay for their schooling, and to pay off some other debts.  Then my husband was laid off as a upper level manager after 18 years of service.  Due to the economy, he was unable to find a suitable replacement job after 10 months of trying.  We needed to scale back our expenses to conserve our cash.  We tried to sell our home for what we owed, but couldn't.  Then we applied for a Loan Modification, but since my husband was unemployed, we did not qualify.

We heard about short sales from a neighbor, and searched around.  We found the short sales ASAP group, and met with Nick Roshdieh.  His confidence and experience convinced us that this was the best path for us to take at this time of our life.  We signed the listing agreement, filled out some other documents, and Nick and his assistants took care of the rest.  They found a qualified buyer for our home in about 2 weeks, they debated with our mortgage lenders to agree to the short sale, set-up the closing and we were out of heavy debt burden with 4 months.  Since my husband was unemployed, we were not able to make our mortgage payments for 8 months.  My husband finally found a good job, and we are living stress free, and the kids are doing good in school.  We have referred the Short Sales ASAP team to our friends and neighbors....
- Mark and Allison B., Anaheim Hills, CA.

We bought our first home in the Garden Grove back in 2005'. We thought we had made a good decision, by making a $40,000 down payment. My wife lost here job in early 2008', and then our loan payments we adjusted higher.  We started taking money out of our credit cards, to help make our mortgage payments.  It was becoming very stressful, so we called our bank and told them we could not keep up with our mortgage payments.  They told us to contact a Realtor who new how to do short sales.   

We found Mr. Roshdieh and he explained to us that we were digging ourselves in a financial ditch.  We agreed to short sell our home with them, and their team did the rest.  After 4 months, our loans were paid off, we did not make any payments for 6 months, and are now renting and saving lots of money.  We hope to buy another home in Garden Grove in 2 years or less.  We are glad we worked with Nick and Vince... 
- Julio and Lisa H. - Garden Grove, CA.

I was sold a bad loan to purchase my first condo in Huntington Beach 4 years ago.   It was a zero down adjustable rate mortgage, and the loan broker promised me he could get me out of the loan in 2 years.  Well, 2.5 years later, I tried to contact him, and he was no where to be found.  I contacted several other lenders last year, and they told me I could not refinance for my loan debt was more then the appraised vale of my condo.  I was trapped.  

I realized that I no longer owned a home, but owned $150,000 in negative debt.  I found Nick and Vince on the Internet, and met with Nick to learn about short sales.  It made sense to me, so I signed up.  It went pretty smooth, and 3 months later I was out from underneath the 1st and 2nd loan.  I am now renting in the same area, and saving about $1,000 per month.  I will back in the hunt for another condo in about a year or so, and will be much wiser this time around.  I recommend Nick and Vince... 
 -  Dennis P., Huntington Beach, CA.