http://www.dre.ca.gov/cons_alerts.html Never pay up front fees to anyone who says to you, “I can help save your home and modify your loan.” Help does exist, however, it does not come with an up front cost and one option may not be the right option for another home owner. As a consumer facing foreclosure it is ... [Read More]
http://www.dre.ca.gov/cons_alerts.html
Never pay up front fees to anyone who says to you, “I can help save your home and modify your loan.” Help does exist, however, it does not come with an up front cost and one option may not be the right option for another home owner. As a consumer facing foreclosure it is important that you become knowledgeable and explore all of your options. Many times when people think of their upside down mortgage they think of loan modification, when they call their bank the bank says you have to be delinquent on your mortgage in order to qualify. SO people stop paying their mortgage, but STOP, before you do anything like stop paying your mortgage, explore all of your options, modification, Short Refinance(HARP)(you cannot be delinquent on your mortgage), Bankruptcy, Foreclosure, & Short Sale.
Never pay anyone up front in hopes that they will change your loan or save your home even if they are licensed or certified. Talk to Realtors, CPAs, and Attorneys. Get second opinions. Only individuals who are licensed Realtors, Loan Officers, Attorneys or entities approved by the Department of Real Estate can legally help you with your mortgage modification, short sale or refinance. Never pay these people upfront.
http://www.keepyourhomecalifornia.org/
“Those that know, do. Those that understand, teach.” Aristotle
Leave a comment on your situation and I will post a response with resources that may help you in these times of change.
Trim a Safe Tree 1. When purchasing an artificial tree, look for the label “Fire Resistant.” 2. When purchasing a live tree, check for freshness. A fresh tree is green, needles are hard to pull from branches and do not break when bent between your fingers. 3. When setting up a tree at home, place ... [Read More]
Trim a Safe Tree 1. When purchasing an artificial tree, look for the label “Fire Resistant.” 2. When purchasing a live tree, check for freshness. A fresh tree is green, needles are hard to pull from branches and do not break when bent between your fingers. 3. When setting up a tree at home, place [...]
Selling Your Home Out of Season? A Great Deck Makes a Difference (ARA) While winter may not be the optimum season to showcase your landscaping, there is one improvement you can make that will help you boost your home’s outdoor appeal no matter what the season: a deck. When potential buyers visit your home in ... [Read More]
Selling Your Home Out of Season? A Great Deck Makes a Difference (ARA) While winter may not be the optimum season to showcase your landscaping, there is one improvement you can make that will help you boost your home’s outdoor appeal no matter what the season: a deck. When potential buyers visit your home in [...]
Kitchen Tips for an Energy-Wise Holiday Oven Tips The turkey is traditionally stuffed early in the morning and roasted for hours. Since it’s a long, slow cook, there’s no need to preheat your oven, even when the recipe suggests it. This also holds true for a holiday ham. In fact, unless you’re baking breads or ... [Read More]
Kitchen Tips for an Energy-Wise Holiday Oven Tips The turkey is traditionally stuffed early in the morning and roasted for hours. Since it’s a long, slow cook, there’s no need to preheat your oven, even when the recipe suggests it. This also holds true for a holiday ham. In fact, unless you’re baking breads or [...]
There has been much publicity in the media, and no doubt from your local real estate agent, that the time has come that house payments may be less expensive than rent payments. While this is certainly true in some geographic areas, like right here in the Pleasanton & Tri-Valley areas, there is more to maintaining ... [Read More]
There has been much publicity in the media, and no doubt from your local real estate agent, that the time has come that house payments may be less expensive than rent payments. While this is certainly true in some geographic areas, like right here in the Pleasanton & Tri-Valley areas, there is more to maintaining [...]
