Distressed Property Experts...

On the Edge of Losing Your Home?

Tue, 26 Oct 2010 23:46:04 GMT

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.

Why Fight Foreclosure Alone?

Mon, 05 Apr 2010 09:56:25 GMT

There is big news for homeowners in America. In an effort to slow the rising number of foreclosures, a government-backed program has been released: the Home Affordable Foreclosure Alternatives Program (HAFA). Basically, the program aims to save as many Americans from foreclosure as possible, which also saves the overall value of the surrounding communities.

HAFA offers a $3,000 homeowner incentive for successful short sales or deeds-in-lieu, and also guards the homeowner from harmful lender actions.

To learn more and find out if you are eligible, you can download my free report here:

http://www.marylandforeclosurerescue.com/Understanding-HAFA.aspx

With one in six homeowners struggling to make mortgage payments, there is probably someone you know who could use this information.

As a Certified Distressed Property Expert, I am trained specifically on how to assist homeowners dealing with financial hardship. If you or anyone needs professional help with foreclosure avoidance, please contact me right away.

I'm here to help.

Christine L. Langford, REALTOR®, GRI®, CRS®, WHC®, CPDE®

Associate Broker

Certified Distressed Property Expert®

Licensed in Maryland, Virginia, and Washington, D.C.

Keller Williams® Preferred Properties

Avoiding Mortgage Modification Fraud

Mon, 22 Mar 2010 11:11:20 GMT

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you

FTC Rule Bans Up-Front Fees for Modifications

Tue, 09 Feb 2010 07:12:05 GMT

FTC Rule Bans Up-Front Fees for Modifications

By: Carrie Bay dsnews.com 02/05/2010

The Federal Trade Commission has proposed a new rule that would prohibit third parties, including loan modification specialists and loss mitigation attorneys, from collecting payment for foreclosure prevention services until after they obtain a documented offer from a lender or servicer for a modification or other form of mortgage relief.

“Homeowners facing foreclosure or struggling to make mortgage payments shouldn’t have to contend with fraudulent ‘companies’ that don’t provide what they promise,” FTC Chairman Jon Leibowitz said. “The proposed rule would outlaw up-front fees so companies can’t take the money and run.”

The FTC has brought 28 cases against companies suspected of foreclosure rescue and mortgage modification scams, and state and federal law enforcement partners have brought hundreds more. According to the agency, generally these cases charged that companies do not provide the services they promise and that they misrepresent their affiliation with the government and government housing assistance programs, including the Making Home Affordable program.

The FTC notes that historic levels of consumer debt, increased unemployment, and an unprecedented downturn in the housing market have contributed to high rates of loan delinquency and foreclosure, and the agency says this mortgage crisis has launched an entire industry of companies purporting, for a fee, to obtain loan modifications or other relief for consumers facing foreclosure.

“Far too many homeowners have paid up-front fees to bad actors who promised loan modifications but never delivered,” Treasury Secretary Timothy Geithner said. “I commend the FTC for proposing a strong set of safeguards to protect consumers from these predatory practices.”

The proposed rule also would bar providers from telling consumers to stop communicating with their lenders or mortgage servicers. It would also require them to disclose to consumers that they are for-profit businesses, the total amount consumers will have to pay, that neither the government nor the lender has approved their services, and that there is no guarantee that the lender will agree to change their loan.

The rule would apply to all for-profit companies that, in exchange for a fee, offer to work with lenders and servicers on behalf of consumers to modify the terms of mortgage loans or to take other steps to avoid foreclosure. Entities that own or service mortgage loans are exempt, and attorneys would have limited exemption if they represent the consumer in a bankruptcy or other legal proceeding.

The FTC is seeking public input, particularly from attorneys and other professionals, on the notice of proposed rulemaking.

Maryland Governor calls for job-creation tax credits, foreclosure bill

Tue, 02 Feb 2010 18:26:57 GMT

from the baltimoresun.com

STATE OF THE STATE

O'Malley calls for job-creation tax credits, foreclosure bill

His speech acknowledges unsettled economic times, but strikes optimistic tone

By Julie Bykowicz

Baltimore Sun reporter

7:21 PM EST, February 2, 2010

Gov. Martin O'Malley touted his administration's accomplishments and promoted plans to foster jobs and protect homeownership amid a struggling economy, addressing Maryland lawmakers as a group Tuesday for the final time before they all face re-election this fall.

In a State of the State speech that fellow Democrats said struck a measured yet hopeful tone but Republicans decried as a preview of a campaign stump speech, the governor warned of "a dark thing that has penetrated deep into our collective soul ... that somehow we are destined to decline, backslide and fail."

O'Malley said he rejects that mind-set, urging bipartisanship as lawmakers fight through a national recession that has dominated his nearly four years in office and the sour political climate of an election year.

The single line that drew a near-unanimous standing ovation tapped into the hope that the days of brutal budget cuts are waning.

"The recession will end," O'Malley said. "Our journey is not over. And our best days are still in front of us if we make it so."

The address lasted 30 minutes, and included as many mentions of jobs. Specifically, O'Malley pushed legislation to give businesses a $3,000 tax credit for hiring unemployed Marylanders, to support small businesses through state-backed loans and to cut the unemployment tax rate by tapping federal stimulus money.

O'Malley also asked for support for his plan to curb foreclosures through mandatory mediation, calling national mortgage companies "faceless giants."

"If they can pick up the phone to put a family into a home, shouldn't they be able to pick up the phone before throwing a family out of their home?" he asked.

The governor praised President Barack Obama, saying the federal stimulus money has "allowed us to create or save 19,000 jobs" -- a line that drew some applause but also a notable lack of reaction from a number of lawmakers in each party. O'Malley said state-funded construction projects in next year's nearly $1.6ƒ|billion capital budget will support more than 20,000 constructions jobs.

Republicans said the address rang hollow and was short on substance. As they seek to tap into a perceived voter backlash against incumbents, minority party leaders peppered their rebuttal address and interviews with reminders that lawmakers raised taxes in O'Malley's first term.

"There seemed to be a disconnect with sincerity and a disconnect with reality," said Del. Anthony J. O'Donnell of Southern Maryland, the House minority leader. "People have struggled mightily over the past three or four years as he has raised every kind of tax imaginable. And now he wants sympathy and to form some kind of bond with those people?"

Sen. Allan H. Kittleman of Howard County, the Senate minority leader, taped his response to the governor's address before it was delivered, saying the state's Democratic leaders have "grown arrogant and unresponsive."

"Our governor is out of touch, out of ideas and out of money," he said, "but he'll never run out of excuses."

House Speaker Michael E. Busch reacted strongly to the Republican refrain that the governor was "kicking the can down the road" by relying on fund transfers and federal dollars to balance the state's $13ƒ|billion operating budget.

"Somewhere along the line people have to be called out," Busch said, saying that Republicans bash the budget but offer no solutions while still taking credit for spending programs that benefit the areas they represent.

O'Malley's speech was punctuated by occasional rounds of applause from the 188 state lawmakers who crowded into the House of Delegates chamber. Former Govs. Marvin Mandel and Parris N. Glendening sat among the lawmakers, along with O'Malley's wife, Katie, and father-in-law, former Attorney General J. Joseph Curran Jr.

The leaders of most of Maryland's 23 counties sat in the balcony, as did Baltimore City Council President Stephanie C. Rawlings-Blake, who will become mayor on Thursday.

Rawlings-Blake, a Democrat, said she appreciated the governor's message of "collaboration and unity. These are trying times, and we all need to work together."

Anne Arundel County Executive John R. Leopold also said he was struck by the "togetherness" tone.

"We all have a stake," the Republican said. O'Malley's emphasis on "building human infrastructure" through job training and education was key to climbing out of the recession, Leopold said.

Using a favorite rhetorical device, O'Malley dedicated an entire section of his address to the idea that the state's accomplishments, including top rankings in education and progress in crime reduction, are "not by chance, but by choice."

Busch said the governor was right to trumpet successes, saying he guessed at least 45 other governors would trade places with O'Malley because Maryland has been able to maintain top-tier schools and hospitals while balancing its budget, protecting its high bond rating and keeping unemployment almost three percentage points lower than the 10 percent national average.

"Under the toughest of circumstances, he has done a great job managing," said Busch, an Anne Arundel County Democrat.

O'Malley also gave a nod to Maryland's relative success in navigating the national recession while other states have nearly capsized: "The state of our state," he said, "is stronger than most."

Baltimore Sun reporter Annie Linskey contributed to this article.

Big Banks Accused of Short Sale Fraud

Fri, 29 Jan 2010 06:54:05 GMT

Big Banks Accused of Short Sale Fraud

SHORT SALE FRAUD, CITI MORTGAGE, JPM, JP MORGAN, BANK OF AMERICA, HOUSING CRISIS, SHORT SALES

Posted By: Diana Olick -CNBC Real Estate Reporter - cnbc.com

Just as regulators, lawmakers and all forms of financial oversight boards are talking about new regulations to guard against mortgage fraud and another mortgage meltdown, there appears to be yet a new mortgage fraud out there today, allegedly perpetuated by agents of, yes, the big banks.

I was first alerted to this by Jeremy Brandt, the CEO of several companies that bring short sale agents, investors and sellers together.

His companies include 1800CashOffer, HomeFlux.com and FastHomeOffer.com. Brandt has a huge network of short sale real estate agents, and over the past several months he's been receiving all kinds of questions and complaints about trouble with second lien holders.

As we all know, during the housing boom, millions of Americans pulled cash out of their homes in the form of home equity loans and lines of credit. They also used "piggy back" loans in order to get even lower interest rates on their primary mortgages. Now, many of the borrowers in trouble, and many who are so far underwater on their loans that they don't qualify for any refi or modification, are choosing short sales as a way out. (Short sales are when the lender allows the home to be sold for less than the value of the loan). About 12 percent of all home sales by the end of 2009 were short sales, according to the National Association of Realtors.

In order for a short sale with two loans to happen, the second lien holder has to drop the lien.

If they don't, and there's no short sale, the home goes to foreclosure and the first lien holder gets the house because second liens are subordinated debt to the primary loan.

In short, the second lien holder gets nothing. In order to get the second lien holder to drop the lien, the first lien holder generally negotiates some partial payment to the second lien holder. The second lien holder doesn't have to agree, but more and more are doing so.

That's all legal.

But here's what's not legal and what's apparently happening quite often recently. Since many second lien holders are getting very little, they are now allegedly requesting money on the side from either real estate agents or the buyers in the short sale. When I say "on the side," I mean in cash, off the HUD settlement statements, so the first lien holder doesn't see it.

"They are pretty clear and pretty upfront about the fact that if the first lender knows they are getting paid, the first lender will kill the short sale," says Brandt. "So these second lenders are asking for the payments off the closing documents, off the HUD statement, usually in a cashiers check prior to closing. Once they receive that payment, they will allow the short sale to go through, which according to RESPA laws and the lawyers that we have spoken to on the topic is not legal."

(RESPA is the Real Estate Settlement Procedures Act, the 2008 law requiring that consumers receive disclosures at various times in the transaction. It outlaws kickbacks that increase the cost of settlement services. RESPA is a HUD consumer protection statute designed to help homebuyers be better shoppers in the home buying process, and is enforced by HUD. Read more about it here.).

I told RESPA specialist Brian Sullivan over at HUD about all this and he replied, "That's a red flag!"

Clearly illegal.

Brandt told me he's heard from at least 200 agents that they've had these requests made by representatives of Citi Mortgage , JP Morgan Chase , Bank of America and other large banks.

Most agents wouldn't go on the record with me, for fear of retribution by the banks with whom they have to work every day. But one agent, Kayte Gentry, of Keller Williams Integrity First Realty, was brave enough to blow the whistle.

"I think it's wrong, and I think somebody needs to hold them accountable, and every time I lose a house in foreclosure because of this, it hurts my client," says Gentry matter-of-factly. "Aside from being illegal and a violation of RESPA, it's immoral and truly it's just sad for the client that it's hurting."

Gentry says she has had the requests made three times and claims she lost one sale because of it.

"The big banks that have recently made this request, specifically payments outside of the closing statement have been Citi Mortgage and JP Morgan Chase."

JP Morgan Chase simply answered, "No Comment," when I relayed the charge to their media representative.

Bank of America denied the practice to CNBC in a written statement:

"Bank of America enforces a policy that all disbursements are documented on the settlement statement for short sales. When we are servicing a first mortgage with a second lien held by another investor, if the second lien holder asks for off-HUD payments, we will not approve the transaction (if we have knowledge of it). It is also against Bank of America’s policy to accept off-HUD payments on its second liens."

Citi 's reply was a bit more complicated:

“We work very hard to help distressed homeowners find solutions for their financial challenges. In our attempt to amicably resolve the debt, we will generally negotiate a reduced settlement with the homeowner in order to release a second lien. Unlike some lenders who refuse to reduce the payoffs on second liens, we choose to reduce the payoff amounts in some situations to assist the borrower. We do not provide instructions to settlement agents on how to fill out the settlement statement or any other closing documents, and we certainly do not require settlement agents or any other parties to violate applicable laws."

"When we confront the lenders and tell them that this request is illegal and a violation of RESPA, they tell us it's been cleared through legal and they don't care. Do it anyway," charges Gentry.

I personally heard a recording of a phone conversation between a short sale real estate agent and a second lien lender, during which the second lien lender clearly asked for cash outside of the settlement and threatened to kill the deal without it.

The real estate agent was rightly concerned and reluctant (the recording was given to me by Brandt who got it from the agent. The agent would provide no information on the lender, for fear of retribution):

AGENT: Well yes, I don’t want to lose my license, go to jail, I mean, I have to sign…

LENDER: You're not going to lose your license - we have plenty of realtors who do this, who actually understand how this whole process goes - and they realize that OK, if I want to get this done, this will take place."

I contacted the Treasury Department, HUD, FINCEN (Financial Crimes Enforcement Network) and the Federal Trade Commission, and none of their representatives could tell me of any active investigation into this. The folks at HUD said they'd be very interested to see my story.

Maryland foreclosure rate up 6.3 percent last month

Wed, 27 Jan 2010 15:23:38 GMT

Maryland-foreclosure-rate-up-6-3-percent-last-month

copied from: www.gazette.net

Maryland's home foreclosure rate continued to climb last month and last year, according to new data from RealtyTrac of Irvine, Calif.

The December rate of one filing per 343 households was up 6.3 percent from November and 52.5 percent from December 2008. The state rate was slightly higher than the national rate of one filing per 366 households, which was up 14.0 percent from November.

Prince George's County again had the state's highest rate last month, with one filing per 152 households, up only 0.9 percent from November.

For the year, Maryland had the nation's 13th-highest foreclosure rate, with 43,248 properties with filings. The state rate was up 33.7 percent from 2008, 129.1 percent from 2007 and 1,297.8 percent from 2006.

Maryland stadiums in play for World Cup in '18 or '22

The World Cup may come to Maryland in eight or 12 years.

FedEx Field in Landover, home of the Washington Redskins, and M&T Bank Stadium, home of the Baltimore Ravens, were among the 18 U.S. venues included by the USA Bid Committee for the month-long soccer tournament in 2018 or 2022. The tournament could generate an economic impact of $5 billion, according to the Maryland Office of Sports Marketing.

Each stadium proposal includes several Maryland soccer facilities available for visiting national teams to use as training sites.

"The success of the Baltimore group ... and the Washington, D.C., group ... shows that we are a world-class player in the international sports arena," Gov. Martin O'Malley (D) said in a statement.

Baltimore won serious attention when a World Football Challenge match between Chelsea FC and AC Milan took place last July in a sold-out M&T Bank Stadium, according to Dick Cass, president of the Ravens.

Construction sector took big hit in '09

The construction industry has struggled mightily amid the recession, according to data compiled by the American General Contractors of America in Arlington, Va.

Construction employment fell by 53,500 jobs, accounting for more than 60 percent of total job losses for November, and by 934,000, or 14 percent, for the year. The unemployment rate for construction jobs was 22.7 percent, the highest of any industry in 2009, and substantially higher than the national average of 9.7 percent.

Nonresidential construction starts fell 8.2 percent in December from the prior-year month, and 6.9 percent for all of 2009 from 2008. Building construction in December was down 27 percent from the prior-year month. Conversely, starts on civil works rose 27 percent over the prior- year month.

Office effective rents — the net amount tenants pay after landlord concessions — fell close to 9 percent. The nationwide vacancy rate rose to 17 percent. Washington, D.C., had the lowest vacancy rate at 10.7 percent. Apartment vacancies rose to a 30-year high of 8 percent and rents fell 3 percent in 2009.

Christine L. Langford, REALTOR®, GRI®, CRS®, WHC®, CPDE®

Associate Broker

Certified Distressed Property Expert®

Licensed in Maryland, Virginia, and Washington, D.C.

Keller Williams® Preferred Properties

Foreclosure vs. Short Sale

Thu, 21 Jan 2010 18:46:01 GMT

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Christine L. Langford, REALTOR®, GRI®, CRS®, WHC®, CPDE®

Associate Broker

Certified Distressed Property Expert®

Licensed in Maryland, Virginia, and Washington, D.C.

Keller Williams® Preferred Properties

Your First Steps to Avoid Foreclosure

Tue, 12 Jan 2010 15:32:17 GMT

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure

I will also be giving a homeowner presentation on this information soon. If you are intersted in attending this presentation, please contact me at the office at 240.737.5000 or on my cell phone at 240.468.2598

1 in 4 mortgages 'underwater'

Wed, 25 Nov 2009 03:43:30 GMT

1 in 4 mortgages 'underwater'

Report shows 10.7 million borrowers are stuck with homes that are worth less than the mortgages they owe.

By Julianne Pepitone, CNNMoney.com staff reporter

Last Updated: November 24, 2009: 12:19 PM ET

NEW YORK (CNNMoney.com) -- In a sign that more foreclosures could be on the horizon, 23% of people with mortgages owe more than their home is worth, according to a report released Tuesday.

Almost 10.7 million U.S. mortgages were "underwater" as of September, said research firm First American CoreLogic.

Another 2.3 million homeowners are within 5% of negative territory, the report said. The two figures combined comprise almost 28% of all residential properties with mortgages.

Negative equity, also called an "underwater" or "upside down" mortgage, has become more common as home values plummet. The report is closely watched because borrowers who are underwater are more likely to be foreclosed.

Foreclosures have been rampant for some time, but lately the tide of decay had seemed to be slowing -- so Tuesday's report could dent optimism for the housing market over the next few months.

On the other hand, the trend that turned so many mortgages upside-down -- falling home prices -- has reversed the past six months. The S&P/Case-Shiller HomePrice Index has reported two consecutive quarters of increasing prices.

If home prices continue to go up or, at least stabilize, fewer mortgage borrowers will find themselves underwater in the coming months.

CoreLogic changed its methodology for the third quarter -- now it accounts for payments that reduce principal, and it no longer assumes home equity credit lines have been maxed out. Using the old method, 33.8% of borrowers would have been underwater in the third quarter compared with 32.2% in the previous quarter, according to a CoreLogic spokeswoman.

State totals: The majority of underwater mortgages are heavily concentrated in five states that have particularly suffered from the housing bust: Nevada, at 65%; Arizona, at 48%; Florida, at 45%; Michigan, at 37%; and California, at 35%.

These five states have been especially beleaguered because of a high rate of prime loans that went bad. Many of those loans were option-adjustable rate mortgages, in which borrowers could choose to make minimum payments that were so low they did not even offset the interest being accumulated.

When that accumulated debt reaches a certain point -- usually 10% to 25% more than the original principal -- the option-ARMs loans are recast into fixed-rate mortgages. When that happens, many borrowers cannot afford the new payments.

First Published: November 24, 2009: 7:41 AM ET

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:39 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Christine Langford
240.737.5000

Virginia Foreclosure Timeline

Tue, 13 Oct 2009 22:07:46 GMT

Virginia Foreclosure Timeline

www.virginiaforeclosureprevention.com/steps.asp

Maryland Foreclosure Timeline

Tue, 13 Oct 2009 21:44:50 GMT

Maryland Foreclosure Timeline

www.dllr.state.md.us/finance/industry/foreclosurelaw.shtml

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Is your Mortgage out of Balance with Your Budget

Is your Mortgage out of Balance with Your Budget?

Today's homeowners have a lot to fear. Budgets are tight and it doesn't take much before "barely getting by" tips into avoiding collector's phone calls, sleepless nights and falling further behind.

Many homeowners don't think it's possible to tip the scales back in their favor so they simply give up.

You do not have to lose your home to foreclosure!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am uniquely qualified to help homeowners as they attempt to bring balance back to their budgets.

If you, or someone you care about feels like the scales are weighted against them and need help, contact me today for a confidential consultation!

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.