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Avoid foreclosure. If your house payments are more than a month behind, your lender may have already started foreclosure proceedings. Time is your enemy. Call your Certified Distressed Property Expert, Ruth Capra, at (205) 862-3800.

     A lender will, on occasion, forgive some portion of a borrower's debt.  The general tax rule that applies to any debt forgiveness is that the amount forgiven is treated as taxable income to the borrower.  Some exceptions to the rule are available, but, until recently, the borrower was required to pay tax on the debt forgiven.  A new law enacted in December 2007 provides relief to troubled borrowers when some portion of mortgage debt is forgiven.  However, this relief expires on December 31, 2012 and the National Association of Realtors will be working throughout the year to obtain an extension.  If you would like to have more information about this law and the cancellation of mortgage debt, call Ruth today at (205) 862-3800 or email "

If you're planning to sell your home in the next few months, this FREE service is designed to help establish your home's current market value. Just choose Your Home's Value and fill in the form. Our team will use comparable sold listings to help you set the fair market value of your home. Ask for our FREE "help-you-sell" brochures. You can expect OUTRAGEOUS SERVICE!


Automatically receive personalized MLS listings by e-mail, customized for you. Each day, our team will search the Birmingham Multiple Listing Service (MLS) to find the homes that match your criteria. We E-mail or call you immediately with the latest listing information!! Simply choose Dream Home Finder and fill in the form. You can also search for yourself at Search For Homes. Absolutely Love Your New Home or We Resell It FREE!

This site includes information on homes and properties in the area of Birmingham, Alabama. Multiple listing service data is provided by the Birmingham Association of Realtors and includes real estate property and homes, condos, and town homes in the surrounding cities of Vestavia Hills, Homewood, Mountain Brook, Hoover, Irondale, Helena, Pelham, Alabaster, Calera, and Chelsea, covering real estate, including investment property, for sale in Jefferson County, Shelby County, St.Clair County, Chilton County, Cullman County, and Talladega County, represented by Realtors, brokers and real estate agents in those regions. People who search MLS home listings, whether relocating or buying a first home in or around Birmingham, Alabama, will find useful information on homes for sale, homes for lease, condominiums, town homes, luxury homes, executive homes, and new developments, to buy or sell, with additional information on schools and regional highlights. Homebuyers and sellers can find information on properties through MLS search on residential real estate or other properties in Jefferson County, Shelby County, Chilton County and St.Clair County. Alexis Capra and Ruth Capra are licensed Realtors, who have expert knowledge of the properties in these communities and the financing of those properties. This web site is a resource for real estate, investment property, relocation, rental property, and lease purchase option homes. If you are facing foreclosure, don't risk your financial future. Call Ruth Capra, a Certified Distressed Property Expert. extensively trained to avoid foreclosure.



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