Be proactive. Contact your loan servicer immediately.

• You can find the contact information on your monthly mortgage bill or coupon book.
• Lenders can work out plans to allow you to stay in your home.
• Ask about foreclosure alternatives.
• Be prepared to disclose detailed financial information.
• Provide requested information in timely manner.
• Be ready to change your spending habits and create a budget.
• Open mail and respond to calls from your loan servicer promptly. Failure to respond in a timely manner can result in more foreclosure actions and additional cost.

Consider refinancing your loan.

• Refinancing to a fixed-rate, fully amortized lower-cost loan may help.
• The FHA offers a program that helps homeowners with good credit refinance. It’s called FHA Secure.
• Talk to a housing counselor. HUD approves trained counselors to work with not‐for-profits focused on preventing foreclosure. Search for HUD counselors.
• Get in touch with your local government agencies. Your city, state or county may offer programs for people having trouble making their mortgage payments.
• Notify your other creditors. You may be able to lower interest rates on your credit cards or consolidate some of your other loans. You can put the savings toward your mortgage.
• Create a budget. You may find areas you can save and put the money toward keeping your home.
• Re‐read your mortgage agreement. Understanding the document is critical.
• Talk to a lawyer if you think you may have been a victim of predatory lending. Your local university may host a legal clinic. There also may be fair-lending counseling agencies in your area.
• Beware of anyone who says you don’t need a real estate professional or title company when selling a home.
• Do not sign over the deed to your property to any organization or person if you are not working directly with your lender to get your debt forgiven.

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Why Choose RE/MAX?

When you choose a RE/MAX Sales Associate to sell your home or help you in the homebuying process, you”ll experience an exemplary level of service.

RE/MAX agents are The Hometown Experts With a World of Experience®. They are the most knowledgeable agents, with the experience and community connections to assist you in the homebuying process. Across the globe, they’re the people next door, or just down the block.

RE/MAX agents have the experience to get the job done in today’s market. That’s why customers going through the homebuying and selling process know RE/MAX Associates as The Real Estate Leaders® and why no one in the world sells more real estate than RE/MAX.

Customer Satisfaction

The proof of quality service is in repeat customers and in customers who refer RE/MAX Associates to friends. RE/MAX Sales Associates typically generate a large percentage of their business from past customers and referrals.

Education

At RE/MAX, advanced education is a priority. RE/MAX Associates dominate the Accredited Buyer Representative (ABR), Certified Distressed Property Expert (CDPE), Certified Residential Specialist (CRS) and Seniors Real Estate Specialist (SRES) ranks.

Home of the Best Agents®

RE/MAX agents average more sales than other real estate agents. They are better qualified to set the right price for the homes they list, better equipped to market those homes, and likely to find clients engaged in the homebuying process in a shorter period of time. That experience and education also means they are better qualified to find the right home for any buyer. The homebuying process can be a daunting task. But with the expertise of a RE/MAX agent, buyers can rest easy.

Competitive Advantage

The real estate network that has the most competitive advantages to offer homebuyers and sellers will be an industry leader. RE/MAX is that leader. Thanks to its global network and stellar reputation, it’s no wonder people turn to RE/MAX when they embark on the homebuying or selling process.

When you look for the highest quality real estate service, look to a RE/MAX Associate. RE/MAX Associates are The Real Estate Leaders®. You can depend on RE/MAX Associates to make the sale or purchase of a home as effortless and seamless as possible.

Advertising

Extensive advertising by individual RE/MAX agents, combined with national television advertising and broad Internet exposure, inspires buyers and sellers to seek out RE/MAX Associates. When you list your home with a RE/MAX agent, it will receive wide exposure.

Miracle Home® Program

Why list your home with a RE/MAX Associate? Your home may be designated as a Miracle Home®. If it is, your RE/MAX agent will make a contribution to the local hospital affiliated with Children’s Miracle Network once the transaction is complete. The funds raised in your community remain in the area to benefit local families.

Home for the Cure™

This program gives your RE/MAX agent the opportunity to designate your home as a Home for the Cure property to benefit Susan G. Komen for the Cure. Upon completion of the transaction, your RE/MAX agent will make a donation to the local Komen Affiliate to help support the breast cancer movement. Programs like these make the homebuying process an even sweeter deal for buyers who are indirectly contributing to the Komen mission of finding a cure for breast cancer.

Premier Market Presence®

The real estate network with the greatest market share has the most to offer buyers and sellers. The sum total of all RE/MAX momentum, growth and Associate production over more than 35 years is reflected in current RE/MAX market strength. RE/MAX has achieved 30-percent-and-higher market share in area after area across North America and is growing in market share around the world. A measure of business leadership, Premier Market Presence (PMP) results from community-minded, high-producing Associates giving superior customer service under a respected brand.

The RE/MAX Balloon Logo

The red, white and blue RE/MAX Balloon, with its “Above the Crowd®” slogan, is one of the most recognizable business logos in the world. RE/MAX boasts a global fleet of more than 100 Hot Air Balloons, which make more than 6,000 appearances around the world each year.

The Sign That Brings You Home®

The red-over-white-over-blue RE/MAX yard sign and your RE/MAX agent lead you to properties in areas in which you’ll want to live and work. If you want to sell your property, the RE/MAX yard sign attracts those in the homebuying process. Nobody sells more real estate than RE/MAX.

Global Expansion

With offices in more than 80 countries worldwide, and more than 90,000 agents, the power of the RE/MAX name boosts business and attracts homebuyers.

More Than 35 Years “Above the Crowd®”

RE/MAX – now an established industry leader – celebrated its 35th anniversary in 2008 and looks ahead to even greater real estate achievements in the years to come. Whether you’re in the homebuying process or looking to sell, choose a RE/MAX Associate. When you choose a RE/MAX Associate, you’ll have a real estate agent for life.

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RE/MAX has become one of just three fundraising sponsors to reach $100 million in total donations to Children’s Miracle Network Hospitals.

In a final push to reach the $100 million mark, RE/MAX real estate agents defied a global recession to raise more than $7 million through the Miracle Home® program in 2009 by making personal donations and sponsoring community fundraisers such as golf tournaments, auctions and   more.

RE/MAX agents who participate in the Miracle Home program pledge to make a donation to Children’s Miracle Network Hospitals upon completion of your home sale or purchase. And the funds stay local, benefiting the   Children’s Miracle Network Hospital in your community.

Ask your RE/MAX agent about the Miracle Home program. To find a RE/MAX real estate agent who participates in the program, select “Children’s Miracle Network” under “Civic Activities” as you set your search criteria.

Together, you and your RE/MAX agent can make miracles happen.
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Getting the Mortgage You Want

Now is the best time to purchase a home. Interest rates are at a historic low, and housing prices in many markets have adjusted to levels that have not been seen in years.

But before you start your property search or drive around neighborhoods looking at every house with a “For Sale” sign in the yard, you’ll need some information. In particular, you’ll need to know how much house you can afford and get preapproved for a home mortgage.

According to JoAnn Schmura, a Broker Associate with RE/MAX of Reading in Wyomissing, Pa., there are six things you can do right now to help you enter the preapproval process:

Get Advice
Seek out a trusted real estate professional first. A Realtor who’s recommended by family, friends or business associates is your best bet. When asking for a recommendation, specify that you need an agent who understands your needs and circumstances and who will work within your budget.

Understand Your Income and Debt Ratios
Today it’s more vital than ever to consider your income and debt ratios. A good rule to follow for your monthly housing payment is principal, interest, taxes, and insurance (PITI), which should not exceed 28 percent of your total monthly gross income.

Share
By knowing your optimum monthly payment and how much of your savings you want to use for a down payment, a skilled real estate agent can determine approximately how much house you can buy. Be ready to supply some basic income and debt information to your agent and be honest with the payment you feel you can realistically afford. Just because you may eventually qualify for a higher monthly payment doesn’t mean you should put your family’s finances in jeopardy by stretching your budget.

Ask for a Lender Recommendation
Ask your real estate agent to recommend a mortgage professional who has given clients excellent service in the past. Find one who will work within your comfort level.

Be Prepared with Financial Information
When you sit down with the lender, have your two most recent bank statements, pay stubs for the most recent month, and your W-2 forms and tax returns for the last two years available. The lender will run a credit check and review your income and debt information and your credit scores with you.

Plan Ahead
If buying a house involves a higher payment than you’re currently making in rent or mortgage payments, take the difference between the current and proposed monthly payments and put it in a separate “house” account. At the end of several months, two things will have happened: First, you’ll have trained yourself to make the higher monthly payment and second, you’ll have grown the savings account for your home purchase.
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We Service Asset Managers & Lenders

When you put your REO or short sale listings in the hands of a trained RE/MAX agent like The Manzo Team, you’re entrusting your inventory to an expert in real estate sales.

The Manzo Team specializes in both Pasadena residential real estate and commercial real estate sales and evaluations, The Manzo Team is based in the Pasadena REMAX office we are REMAX Tri City’s top agents. When it comes to selling real estate in Pasadena’s competitive market, experience is the key. The Manzo Team has been helping Pasadena and suburban home buyers & sellers for over 22 year with favorable results. Let The Manzo Team who is a bilingual full time real estate broker, help you with your home selling process.

RE/MAX agents lead the industry in many critical areas, including:

• Productivity – For the 13th consecutive year, RE/MAX agents outperformed the competition in 2010. U.S. RE/MAX agents averaged 13.1 transaction sides – nearly twice as many as the closest competitor.
• Professional Education – RE/MAX leads the industry in numerous professional designations, including Certified Distressed Property Expert. More than 15,000 RE/MAX agents have received specialized distressed properties training. Online, on-demand training equips RE/MAX agents to handle changing market conditions.
• Freedom, Flexibility and Creativity – RE/MAX empowers agents to market their listings their way. They control their own advertising and marketing budgets, and advertise in media of their own choosing. They have access to an in-house design center, enabling them to produce professional-quality marketing materials quickly and easily.
• Support From Headquarters – RE/MAX agents are in business for themselves but not by themselves. They have access to industry-leading resources to help them do their job – and the strength of the global RE/MAX network, with about 90,000 agents in more than 80 countries.

Some REO properties are better left on the market for a while before than can be sold. RE/MAX agents understand this and they can provide property management services when necessary, through an alliance between RE/MAX and Real Property Management, the No. 1 property management franchise in the U.S. This enables RE/MAX agents to offer professional management services for their clients.

Call The Manzo Team to list your short sale or REO inventory. 626 296-2900
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1. Consumers who do their homework can save thousands of dollars and experience a smooth transition. So don’t waste time and resources – decide what’s most important to you, and then find a professional who specializes in that area. A RE/MAX agent can help you no matter what your needs are.

2. Ask friends and family members for referrals. Someone you know and trust may have a RE/MAX agent in mind to help you meet your real estate goals.

3. If you’ve already determined where you’d like to live, drive through neighborhoods in the area and survey them for REALTOR® yard signs. Seeing the same name pop up on signs time after time may indicate that the agent is a specialist in the area. If you’re thinking about selling, monitor the signs in your own neighborhood.

4. Moving far away? Right here on remax.com, you can connect with a RE/MAX agent around the world who can offer great expertise and service. Consider services they offer, additional certifications, any specialties, and languages they speak. You’ll find the right professional to meet your real estate needs no matter where your home search takes you.

5. Pay attention to credentials. This will help you determine areas of expertise. You may be interested in these designations: ABR (Accredited Buyer Representative), CDPE (Certified Distressed Property Expert), LHMS (Certified Luxury Home Marketing Specialist), CRS (Certified Residential Specialist) and SRES (Seniors Real Estate Specialist). There are dozens of designations pursued for continuing education, so identify one or more that fit your needs.

What to ask in the interview

1. If selling, ask the real estate agent how he or she would establish a listing price. Request a Comparative Market Analysis, also called a CMA, which shows the market value of similar homes in the area that are for sale or have recently sold.

2. Ask the agent how he or she would market your property. Understand that some agents may prefer to first tour your home and then put together a customized marketing plan to present at a later meeting. But if he or she can’t suggest a strategy when asked, you might consider interviewing other candidates.

3. Ask the agent how often you should expect to hear from him or her. Know how and when you will communicate to avoid unrealistic expectations.

4. Ask how long the agent has been licensed and how many buyers and sellers he or she has helped.

5. Ask about designations. Interest in continuing education is a strong indicator of motivation and professionalism.

6. Pay attention to the agent’s listening skills. Does he or she cut you off before you’ve finished a sentence? There’s nothing worse than looking at houses you have no interest in because the real estate agent has not listened carefully to your needs, or having your home on the market too long because it’s priced incorrectly and the wrong buyers are being targeted.

7. Ask the agent what his or her fee structure is. Does he or she require a percentage of the sales price or work for a flat fee? Will the agent be paid another way?

8. If you are unsatisfied with a prospect’s plans or personality, thank him or her for taking the time to meet with you and repeat the process with another real estate agent. It can be time-consuming, but it’s worthwhile.

Once you’ve found the right real estate agent to represent you, hold up your end of the relationship. There are simple things you can do to help your real estate agent get you the best deal.

How to work with your real estate agent

1. If you are selling, create an information sheet that lists your home’s features and best qualities, especially those that others might overlook. Your agent may be able to use the information when marketing your home.

2. When selling, talk to the real estate agent about cosmetic improvements. Your home may need fresh paint or new carpet.

3. If selling, keep it clean. Eliminate cobwebs and dust. Keep the bathroom counters and mirrors wiped down. Vacuum and sweep daily.

4. If buying, be clear about what you want. Make a list of your priorities numbered 1 through 10. You can always revise the list, but give your agent something concrete so that he or she can research available listings more efficiently.

Food for thought

1. Hiring a REALTOR® will give you a strong advantage. Although many practitioners work part-time, RE/MAX Associates are full-time professionals who provide their complete attention and expertise.

2. Your real estate agent is an authority you hire to help you make the right decisions, but you have the final word.

3. Your residence is likely to be the biggest single investment you’ll ever make. Buy and sell wisely.

4. Office environment can say a lot about a businessperson. Is it clean and organized? Do the office hours make it easily accessible? Are staff members pleasant and helpful?

5. Remember that home values fluctuate with the economy.
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U.S. RE/MAX real estate agents assisted significantly more customers than competing agents in 2010, an analysis of year-end statistics shows.

RE/MAX agents in the U.S. successfully represented home buyers or sellers in more than 754,000 transactions during the year – 24 percent higher than agents from any other real estate brand. For these hundreds of thousands of consumers, RE/MAX agents were their trusted adviser – and the best choice to assist them in the largest financial transaction most will ever participate in. Learn more about buying your first home.

On a per-agent basis, the RE/MAX advantage is even clearer. For the year, individual RE/MAX agents, on average, represented consumers in 13.1 successful sales or purchases. This was 84 percent higher than the closest competitor.

Every year for more than a decade, RE/MAX agents around the world have represented more than 1 million customers. Since 1998, RE/MAX has been able to state that nobody in the world sells more real estate.
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Questions and Answers About the U.S. Treasury’s Short Sale Program

What is a Short Sale?
In a Short Sale, a homeowner sells a home for less than the amount of the mortgage owed. A Short Sale can be an attractive alternative to foreclosure, and typically not pursued until after other efforts to keep the owner in the home have been exhausted. There are potential tax consequences that should be discussed with a tax professional. Read these tips on preventing foreclosure.

Why is a Short Sale better than foreclosure?
A Short Sale can be less damaging to the borrower’s credit. The former owner can qualify for a mortgage backed by Fannie Mae or Freddie Mac to buy another home in as few as two to three years – far sooner than if there had been a foreclosure. Short Sales also help protect other property values in the community by keeping the home out of potential disrepair.

Why did the U.S. Treasury issue new Short Sale guidelines in 2010?
Because of the challenges many homeowners were facing in their attempts at Short Sales, RE/MAX worked closely with major lenders, the U.S. Treasury and other federal agencies to streamline and standardize the process. The guidelines are in response to this advocacy by RE/MAX and others in the industry. Short Sales are seen as a critical component in stemming the increasing number of foreclosures and stabilizing the housing market.

What was improved in the Short Sale process?
Under the Treasury’s Foreclosure Alternatives Program, participating mortgage servicers have 10 business days to respond to a Short Sale offer. Prior to that, a lack of timely response had been one of the main reasons for delayed or derailed Short Sales. Also, paperwork and documentation are now standardized. Previously, such procedures varied widely between lenders. Various deadlines in the Short Sale process were also standardized.

How does this benefit homeowners?
Under the Treasury program, a successful Short Sale releases the borrower fully from the primary mortgage obligation. This lender may not pursue a deficiency judgment. Additionally, homeowners who complete Short Sales are eligible to receive $3,000 to offset the expense of moving from the home.

What’s the incentive for a primary lender to approve a Short Sale?
Using program guidelines, lenders determine a minimum acceptable offer for the property. Typically a lender’s loss on a Short Sale is less than the loss it faces should the property go into foreclosure. Through the Treasury program, mortgage servicers receive $1,500 for every Short Sale successfully closed.

How does the program work?
If the owner of a principal residence does not qualify for refinancing and has exhausted Making Home Affordable loan-modification options – or if they make a direct Short Sale request to a lender in the program – the lender determines if a Short Sale is possible. If it is, the borrower is given at least 120 days (up to a year, depending on local market conditions) to sell the home using a real estate agent experienced in the local market. Meanwhile, the foreclosure process can move forward, but it cannot be finalized until after the marketing period has expired. During the marketing period, lenders must respond to a fully completed “request for approval of a Short Sale offer” within 10 business days.

What’s the best way to find a real estate agent to handle a Short Sale?
If you do not already have a RE/MAX agent to work with, find a real estate agent here on remax.com. Identify your market area and then search for an agent with one of the following designations: Certified Distressed Property Expert (CDPE), Five Star Professional (FSP) or Short Sales & Foreclosure Resource (SFR). You can also consider agents with the residential sub-specialties of “Foreclosure Property” or “Short Sales.”

Does the borrower continue to make primary loan payments during the Short Sale marketing period?
Yes, in some cases. The amount is determined by the loan servicer in accordance with terms of the Treasury guidelines. If there is a payment, it cannot exceed 31 percent of the borrower’s gross monthly income.

What if there’s a second mortgage, home equity line of credit or other junior lien?
The borrower is responsible for either paying off such debt or negotiating release from the debt and any potential for deficiency judgment. A RE/MAX real estate agent experienced with Short Sales can help you with this process. The Treasury program provides some financial incentive for junior lenders and investors who hold such loans to participate in the Short Sale and release the liens.

Are there restrictions on who can make a Short Sale offer?
Yes. Among the program’s many restrictions are requirements that the property not be sold to a relative and not be occupied or repurchased by the former owner. The buyer may not receive any funds from the transaction and cannot sell the property for at least 90 days after closing.

Is a Short Sale the only alternative to imminent foreclosure?
If a Short Sale is not successful, the lender can opt to accept a “deed in lieu of foreclosure.” In this process, the homeowner gives clear title to the property to the lender. Under terms of the Treasury program, the borrower is released from the remaining primary mortgage obligation and can still receive the $3,000 for relocation expenses. The borrower then has 30 days to vacate the property. In some cases, it’s possible to pursue a “deed in lieu of foreclosure” without first pursuing a Short Sale.

Is there an expiration date for the Treasury program?
Borrowers have until Dec. 31, 2012, to enter into a Short Sale or deed-in-lieu agreement with their lender under terms of the Treasury program.

Are Short Sales still possible for borrowers and lenders not covered by the Making Home Affordable Program?
Yes. Short Sales are possible for borrowers with mortgages not covered by the Treasury program’s incentives and guidelines. RE/MAX agents with Short Sale expertise can help such homeowners pursue a Short Sale with their mortgage servicer or investigate other possible options.

Fannie Mae and Freddie Mac have their own Short Sale guidelines, which are similar to the Treasury guidelines, but different in some respects.
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Don’t Let It Manage You

Whether you’re looking for ways to dig out of your financial hole or to avoid getting into one, the importance of actively managing your credit profile and debt profile has never been greater. Americans have become well-versed in asset management, but not necessarily liability management.

Until recently, easy access to credit has made consumers feel immune to the real risks that overextending yourself on credit creates. However, as a result of our current economic environment, it is apparent that consumers are beginning to spend more time and thought on the types of credit they have and how credit is used. In parallel, banks and other creditors have begun to be much more restrictive about who gets approved for new credit and which consumers get the preferred interest rates and products. According to Experian, the average credit score for new mortgage origination is now 740 versus less than 700 just last year. The reality is that consumers need to change their behavior and adapt to the realities of the current environment and cannot wait for the market to change. Here are some simple first steps to consider in liability management:

Step 1: Understand How Credit Works – Now is not the time to worry about your ego and be content that understanding 80 percent of what you need to know about your credit is good enough. More than 9 in 10 consumers are challenged with understanding the basics of how personal credit works to assure they have the best credit and debt profile possible. In most cases, they build credit over a lifetime of “trial and error.” Even if you consider yourself knowledgeable about credit, the constantly changing credit environment creates a situation in which you can use a trained professional to be your second set of eyes and keep you educated. The key point is find a knowledgeable person who is trained to help you.

Step 2: Continually Evaluate & Monitor The Health of Your Credit Profile – The second step is to evaluate your current credit and debt profile and establish a plan based on your short- and long-term credit needs. Continually monitoring your credit report and profile is no different or less important today than getting a physical exam by your doctor. You should be sure to scan for accuracy and suspicious activity.

Step 3: Watch for Red Flags – There are credit profile “red flags” that can indicate problems are brewing. Watch for things such as: “maxing out” credit card limits, applying for new credit cards in order to survive, overdrawing your checking account, borrowing from friends to pay debts, not opening your bills and making only minimum payments on credit cards.

Step 4: Optimize Your Credit – You should personally review and analyze each of your debts. Can you pay a little extra the next few months and pay off or pay down bills? Are you able to improve the terms (interest rates, duration, etc.) of the debt? Are there steps you can take to improve your overall credit profile so that you’re more desirable to creditors for their “preferred” interest rates? Should you consolidate some of your debt? Once you strengthen your credit and debt profile, do you have options on your home, auto and credit cards to negotiate lower interest rates that would save you money monthly? Everyone’s situation will be different, but these are all questions Americans should be asking themselves. Many consumers are already taking some of these steps, as evidenced by consumer debt dropping $151.8 billion nationally in the first quarter of 2009 alone.

Step 5: Rethink New Purchases – Excellent credit is like an insurance policy. When you need to use it, you want to help ensure that you qualify for the preferred interest rates and terms that will give you the best payment options based on your needs and capabilities. Just to make this point, consider the following examples:

The big question is which interest rate you would have qualified to receive based on your overall qualification and credit profile. The best way to stay debt-free is not to take on debt in the first place. However, maintaining your credit “insurance policy” is critical for purchasing a home, car or major appliance. Don’t wait until there’s an immediate need, because your chances of making a material change in your profile overnight are slim.

Don’t let anyone mislead you. It takes time, knowledge and planning to build, optimize and manage your personal credit and debt profile so that you can maintain the affordability of what you have and/or create a better opportunity to qualify for preferred interest rates and terms. Effective liability management starts with the five steps above. Although there are many services that can provide you with a copy of your credit report, this is only part of the first required step. There has never been a more important time to seek the help of a professional and personal credit coach to help you ensure that your credit and debt profile is optimized – not only today but on a continuing basis.
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Do you have a small room or rooms that you’d like to seem larger? One solution is to de-clutter the space. But if you’re not prepared to toss out your grandmother’s antique furniture, it might be time to try some decorating tips that will help you make the best use of the space.

Here are some solutions to not only maximize the space you have, but also to give it a larger feel.

Have Small Rooms? Create an Illusion of More Space

Go Lighter …
Paint walls light or pale colors.

… But Don’t Be Boring
Adding bold accents with varying patterns, prints and colors can deflect thoughts that a space is small. This is an area in which to experiment.

Go Brighter
Think recessed lighting, inexpensive wall sconces and standard or solar-tube-like skylights instead of table or floor lamps.

Go Vertical
Extend cabinets, wall units and bookshelves to the ceiling. This applies to kitchen cabinets as well.

Utilize Wall Space
Place hooks and magnetic strips on walls in the kitchen and elsewhere and use them to get pots, pans and other objects off tables and counters.

Group Your Knick-knacks
If you can’t part with your special collection, you can group them together to create empty spaces on tabletops and shelves. This neutral space gives your eyes a place to rest and creates the illusion of more space.

Size Matters
Measure your space and furniture before any purchase. Couches designed to hug walls are a great way to open up a room, and armless couches and chairs can create the illusion of space. Floor cushions are a good alternative to create seating without adding more furniture and can be easily stored when not in use.

Watch Your Angles
Furniture that sticks out at the wrong angle in a small room can draw the eye and make it appear even smaller.

Find and Utilize Hidden Spaces
Evaluate every room, closet, drawer, nook and cranny to see how your small space can best be utilized. Choose furniture that comes with built-in organizing inserts, drawers and compartments. The space under sinks is seldom used to full advantage and is a good place to add storage.
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