Napa Foreclosed Homes $250,000/ $350,000
May 30th, 2011
Napa Valley Homes for Sale, foreclosed in Napa, Napa Valley Properties. – created at http://animoto.com
Duration : 0:1:30
BEFORE FORECLOSURE OR SHORT SALE – WHAT ARE MY OPTIONS?
May 30th, 2011
BEFORE FORECLOSURE OR SHORT SALE – WHAT ARE MY OPTIONS?
Upside down on your mortgage? You have company, estimates are that between 50 to 75% of our community is upside down. This is a serious situation that is only getting worse.
Don’t giving up! Don’t move out, Don’t just ignore the situation, we can get through this. As bad as it may seem today, someday this will all be behind us! You and your family will Prevail.
my name is Jeff Cameron with Keller Williams here in Scottsdale, helping home owners across the valley. Unfortunately, I have been there. I have had a personal short sale, foreclosure and that led to bankruptcy. I know what you are feeling.
As dramatic as these experiences were on me and my family, I believe they happened for a reason. For me to grow from what happened, so I can help others through it.
This experience, along with a strong support team and my 15 years in real estate is why I am qualified to assist you on your journey!
Most people I talk to just don’t know what to do, they call their bank and can’t get a real answer. That is why I have put together this series of videos, to help you with the important information you need.
So where to begin? This video focuses on the steps You should take in determining what is best for YOU and YOUR family.
Step 1
1. Can I save my home? This should be the first priority. There are several options such as: Reinstatement, Forbearance, loan modification, Refinance and Short Refinance. It is very important you follow through with this step first and decide what is best for You and Your family. Answer the question “is it possible to save my home.” Our video Before Foreclosure or Short Sale – Step 1 on Save My Home will walk you through this step in greater detail.
Most people watching this can’t save their home. This is why we have focused more information on the next steps.
Step 2
2. If I can’t save my home, am I protected? I mean protected from the bank and the IRS. We work with attorneys that will review your situation. They will help you get answers to these legal questions. Is your mortgage a purchase money mortgage? Can the bank come after you for recourse or do you have a Non Recourse loan?
What about the IRS? Talk with a CPA. One that is familiar with this subject.
Do you qualify for The Mortgage Forgiveness Debt Relief Act of 2007.
The answers to these questions will help you decide the next step. Is it better to do FC or BK? What about the new HAFA program, Home Affordable Foreclosure Alternative, do you qualify? Can this remove the recourse of the bank? These are all important questions you need answers to. We can help you. Our video on Am I protected will go into more detail on these subjects.
Remember- even if you are exposed, FC and BK may not be your best answer.
Step 3
3. If you can’t save your home and you are not doing a Foreclosure or Bankruptcy the next logical step is to save your credit? For many people, Short Sale is the fastest and easiest way to start over. First, many people stay in their home, make no payments, and begin to get caught up. Through short sale we help sell your home, save your credit and get YOU on path to start over. We work to get your home sold quickly and then have the legal arm take over to negotiate with the bank. We use a law firm to negotiate our short sales. They deal with hundreds of banks and know the back doors into the bank and how to get things done. I always ask this question, how could I negotiate with a bank, constantly call and be there when we contact is made when being a Realtor is a full time job.
Step 4
4. Time to clean up your credit? Start Over. This at first can be very difficult with poor credit. Now is the time to live within a Budget you can afford. Pay everything On-Time.
Hire a legitimate Credit Cleaning company. We work with a company that has been very successful for some in removing all those negative marks on your credit. Be proactive, don’t just wait until you need your credit. Give it your all and do what you can to get it scrubbed today! Check our site for video interviews with our credit scrubbers!
Duration : 0:5:54
Pre Foreclosure Listings
May 28th, 2011
http://www.dodeals.com/preforeclosurelistings In order to invest profitably in the pre-foreclosure market, its necessary to understand all aspects of the foreclosure process. pre foreclosure listings
Music by Kevin MacLeod
Duration : 0:7:43
Bank Foreclosure FRAUD pt.5 of 5 Save the Best For Last…CONCEALMENT…CONSPIRACY…WIRE FRAUD!!
May 28th, 2011
http://stopforeclosurefraud.com/
WE WILL WIN…WE ARE GETTING CLOSER…ONE LAYER AT A TIME. …I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles.
Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference.
Law Offices Of David J. Stern PA in Plantation Florida Roger Stotts
Dennis Kirkpatrick
These people are ALL over the US pulling this crap
Do searches on them and all and see what you can find out to save your home.
Judge Dale Ross in broward gave my home to IndyMac Bank (Property Managers) and when I tried to speak he rolled his eyes and said “What Difference Does it make”?????? He pre-judged me and this is not his job… The difference is the courts are aiding & abetting FRAUD. Yes Google his name and we will see how his peers enjoy him. I did NOT have a fair trial. I was raped from my RIGHTS as a citizen.
Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all.
These are some excellent resources. YOU ARE NOT ALONE. IT IS NOT YOUR FAULT OUR GOVERNMENT FAILED US.
We have just scratched the surface. Wait to see what is at the CORE.
Duration : 0:1:48
Short Sale – Expert to Negotiate Loan Modification and Short Sale
May 26th, 2011
http://RealEstateMarketingThisWeek.com – Part 2 – Were just going to go ahead if we could and just jump right into the short sale information. Jeri, again thank you so much for taking the time to be with us. What is the name of your firm?
Our group is Dream Vesting Group and our brokerage is Keller Williams Arizona Realty.
So that is great, licensed agents with Keller Williams and I know the two of you and I know of your history and we will talk a little bit more about that, but you have been working together for awhile. You and I had a chance to speak about the short sales and your success rate, very, very impressive proven results always helps. So the natural first question for those that are listening today. What is a short sale exactly?
A short sale is a property sale where the bank or lender agrees to accept less than what is owed to them. So the bank is agreeing to take a loss on the sale of your property, and I like what you said earlier about not trusting a loan modification or a short sale to just anybody, you definitely dont want to be the guinea pig and you dont want to approach the bank yourself and ask them to please take a loss because you need to sell your home.
And that is one of the things that is funny nowadays. I know people have seen them pop up all over the town, the ugly yellow bill boards all over the place. Advertising on the radio about loan modifications and they have 100% success rate, all kinds of these different things. The same thing with short sales, you actually have a process and you have a lot of experience doing it, you know the ins and the outs and this isnt a part time job this is a fulltime job.
Absolutely is a fulltime more than fulltime job, the last three Sundays I have been on the phones with lenders when they are open, one of them has a call center in India. I have been on the phone from 10 oclock at night until Midnight and again at 6am with the same lender trying to stop foreclosure.
Well that is good that you have the time, Take the time to do that. I am sorry that you have to work that many hours but you know Kalyn, is it not true that the sooner we get through all of these short sales and loan modifications the better off were all going to be anyway right?
Absolutely, a lot of people ask, what does it take? Who should be considering a short sale? If youre late on your mortgage currently, if your mortgage has adjusted, if you can no longer afford your monthly payment, if you foresee yourself not being able to afford your monthly payments, any of these instances plus several more, you should definitely be sitting down with someone and talking about your options which would be most likely a short sale or loan modification.
Yes the last thing anyone wants, and I mean anyone, is a foreclosure, that is the last resort. Nobody wants a foreclosure; you dont want it on your record, you dont want to have to deal with that. Its a very public event, a foreclosure is, the banks dont want you to foreclose and that is probably why they are so willing to work with you would you say? Absolutely the banks dont want the home back no matter what they tell you.
Exactly and on the loan modification side people try on their own to do this and its true that people can actually do a loan modification on their own but there are so many pitfalls and its just not something you want to try on your own. Surely you dont want to try a short sale on your own. So Jeri let me ask you this, what are some of the main objections?
The main objection that we hear from most of our clients is the cost to them, they already cant afford the payment on their mortgage or they wouldnt be in that particular situation 9 times out of 10 and so they are concerned about cost. Most people have already resigned themselves to the fact that they are losing their home and they dont want to spend any more money on it.
The good news is in a short sale you dont have to spend anymore money, all of the costs are absorbed by the bank. They agree to lose more money basically, so there is no realtor fees and the majority of the time we can negotiate an as is contract so if there are repairs that need to be made they dont come to you and ask you to do it, its just factored into the cost. So its very effective for homeowners.
And again it keeps them from going into foreclosure. They get to stay in the house and they get to save whatever is left of their dignity, some people take it very pride fully as well. So Kalyn, the second most common objection is?… http://realestatemarketingthisweek.com
Duration : 0:6:34
Foreclosure Help – Video on How to Save Your Home
May 26th, 2011
http://foreclosurefraudexposed.com
foreclosure help for Homeowners who need accurate and powerful information on how to save their homes and families from foreclosure.
Duration : 0:8:58
Foreclosed Homes Pose Unexpected Danger
May 23rd, 2011
Pools at foreclosed homes could pose a real danger, but who is responsible for cleaning them up? Brian Hamrick reports.
Duration : 0:2:10
Bank Foreclosure for Sale in Palm Beach Plantation, Royal Palm Beach, FL-4/3 w/2,762 Under air
May 23rd, 2011
http://www.buyingpalmbeachhomes.com/category/royal-palm-beach/palm-beach-plantation/
BANK OWNED “PRICED FOR A QUICK SALE”. BANK FORECLOSURE. Very nice two story home, in good condition! Great, newer neighborhood, close to turnpike. Please submit pre-approval, copy of escrow check, the attached seller’s addendum and the attached Chinese drywall addendum with all offers.
Duration : 0:8:36
FREE bank foreclosure information
May 20th, 2011
Free bank foreclosure information at http://www.easymoney-123.com is where you will find over 25 links to bank owned real estate also known as reo’s…(real estate owned )for FREE! Nothing to pay for and nothing to sign up for!
Duration : 0:9:0
Welcome – Foreclosure Prevention and Mortgage Help – FFRC Longview WA
May 20th, 2011
http://homeownersolutions.org Falling behind on your mortgage payments or facing foreclosure? Maybe your interest rate increased or you have less income. Family Finance Resource Center in Longview WA offers free and confidential help of their HUD approved counselors. Homeowners who want to stay in their house can find out if they qualify for the Home Affordable Modification Program (HAMP) or other assistance. Phone Family Finance Resource Center 360.423.9197
Duration : 0:0:54