elgin's Blog cafe

elgin walker talking real estate advocacy in castaic

elgin walker (keller williams vip properties) — Tue, 29 May 2012 20:10:32 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"Elgin Walker" discuss equity or not why this is a good time to sell

elgin walker (keller williams vip properties) — Tue, 29 May 2012 11:09:23 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"Elgin Walker" at Lazy Dog in Valencia, Schooling on real estate

elgin walker (keller williams vip properties) — Sun, 13 May 2012 13:26:07 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"elgin walker" talking avoiding foreclosure the series!

elgin walker (keller williams vip properties) — Sun, 13 May 2012 13:22:02 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"elgin walker" talking avoiding foreclosure part 1

elgin walker (keller williams vip properties) — Tue, 08 May 2012 21:59:50 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"Elgin Walker" at Lazy Dog in Valencia, Schooling on loan mods, and short sales

elgin walker (keller williams vip properties) — Thu, 03 May 2012 20:38:49 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"elgin walker" on why you need a REAL real estate advocate on your side

elgin walker (keller williams vip properties) — Sun, 15 Apr 2012 20:22:05 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

"elgin walker" calling on my real estate investors

elgin walker (keller williams vip properties) — Tue, 10 Apr 2012 20:33:37 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

short sales in santa clarita valley today! you need an advocate!

elgin walker (keller williams vip properties) — Thu, 05 Apr 2012 10:55:12 -0700

Not only are we in the field out helping families, we are also connected and “in tune” with many of the banks, and get a good pulse of things going on. I have a couple of things to discuss. The first being the homeowner that is 61 days late on the mortgage.

Need less to say this becomes a stressful time. This is the time the banks tend to start calling, sending letters etc….REMEMBER the bank is nothing but a DEBIT COLLECTOR and their only purposes is to SETTLE DEBIT with you and MINIMZE loss to them and their investors. You need to communicate with them, but keep that in mind. My belief at this time you need to speak with an ADVOCATE. Someone with knowledge that is looking to help provide information and OPTIONS. Information and options are what you need to make decisions, especially since you are responsible for a whole family. At this point there is no NOTICE OF DEFAULT, you realize you are behind, BUT you are hopeful to do a loan modification or something you have been working on may come through allowing you to catch up on the payments……I get it, and I have been there. THESE ARE CRUCIAL TIMES THOUGH, because there are more options for you. Lets discuss the Notice of Default.

Here is something that can be tricky. In the areas I work, the lender CAN technically send you into a Notice of Default stage after 31 days late on your mortgage! Typically you will see this happen after 61 or 91 days late. At this point THE CLOCK TICKS A LITTLE FASTER. You have 3 months and 21 days to bring the mortgage current and reinstate your loan. In most cases the lenders want full back payments and interest to do so. In previous markets this the stage you have heard of many many homeowners being in and staying in for a long period of time. We have all heard or know of stories of families living in there homes for a year or two years and nothing happens! I am here to tell you, DON’T BANK ON THAT IN FUTURE! If you have noticed banks are pushing people through the process now. If you are doing a loan modification, the banks are looking to push through the system faster with a DENIAL on your loan mod. The bigger banks (most of them) at point are offering you the OPPORTUNITY to try a short sale, and the window for you to try and succeed is much smaller OR they are pushing you to foreclosure. I am not saying you will never hear of someone going through a lengthy process or staying in a property with the bank doing nothing here in Santa Clarita (or anywhere else) but I AM SAYING THE TREND IS TO PUSH FORWARD FASTER.

These are the reasons you need an Advocate and you need to engage with one sooner than later. If you are having struggles and not sure were to turn about real information on a loan modification, short sale or what happens if you go to foreclosure. CONTACT US. We are advocates FOR YOU! www.elginandpilartalkrealestate.com or call us direct 661.290.3781. We are looking to help families just like yours.

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Check out our clincs

elgin walker (keller williams vip properties) — Thu, 05 Apr 2012 10:52:02 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Elgin Walker real estate advocate Live and Lazy Dog in Valencia

elgin walker (keller williams vip properties) — Thu, 05 Apr 2012 10:48:25 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

You Need an Advocate! Who got your back?

elgin walker (keller williams vip properties) — Thu, 05 Apr 2012 10:44:13 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Why should I buy a short sale today!

elgin walker (keller williams vip properties) — Thu, 05 Apr 2012 10:40:33 -0700

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

You need a real estate advocate! Somebody on your side

elgin walker (keller williams vip properties) — Tue, 27 Mar 2012 23:25:41 -0700

Don't you feel like you are getting hit from all areas? There seems to be so much information on loan modifications, short sales, foreclosures, etc....How do you find out REAL information for you and your family. YOU NEED AN ADVOCATE! Somebody on your side to provide good information!

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

I will be at Lazy Dogg in Valencia answering real estate questions for FREE

elgin walker (keller williams vip properties) — Tue, 27 Mar 2012 23:19:53 -0700

Come by and visit me tomorrow at Lazy Dogg! I will answer your real estate questions if possible or at least have stop by and say hello!

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Why should I buy a short sale?

elgin walker (keller williams vip properties) — Tue, 27 Mar 2012 23:15:29 -0700

You hear many myths on why you should or should not purchase a short sale, well I will tell you out here in the santa clarita valley, if you are not looking at short sales you are really keeping yourself out of a big part the real estate market. Check us out!

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Are you still on track with your business plan or new years resolutions?

elgin walker (keller williams vip properties) — Wed, 29 Feb 2012 23:48:16 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Short sale experts in santa clarita

elgin walker (keller williams vip properties) — Tue, 28 Feb 2012 23:35:43 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

why escrows with short sales take longer in santa clarita

elgin walker (keller williams vip properties) — Tue, 28 Feb 2012 23:28:45 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

State of the real estate market in santa clarita

elgin walker (keller williams vip properties) — Tue, 28 Feb 2012 23:25:20 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

State of the Real Estate union in Santa Clarita as I see it!

elgin walker (keller williams vip properties) — Wed, 22 Feb 2012 10:37:18 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

Nothing to do with real estate.....A mans thoughts

elgin walker (keller williams vip properties) — Tue, 24 Jan 2012 12:39:52 -0800

Well Lord willing tomorrow turns another page in the life of Elgin Walker. I say Lord willing because tomorrow is never promissed. A lot of reflection for me lately. Its funny the turns life takes, and its funny when you look at from "older" eyes of wisdom or from "outside" yourself than in the moment. Amazing I was only child that was very independent, but never relied upon. Since I've been married, and a father every decision, every breathe, I have TRIED to put my family first, tried to be someone my kids could use as a good example. Its funny how we turn into our parents or enviroments as we get older. Amazing the good, the bad the ugly. The trimuphs, the mistakes. The best job in the world being a father and husband. The hardest job in the world being a father and a husband. WOW look at that statement! Funny a forum like facebook lets you put things out there which has the possibility to stand a test of time. The notes we write, posts we put, the music we select. the comments we make. Do you ever look at your body of work (life)? I do much much more than I did. Hopefully upon reflection there is growth. I see some in me. Probably not as much I would like but progression. Progression as a man, as a citizen, and hopefully as parent and husband. I want to thank my parents for giving me this thing called life, showing me great examples, being there for me and molding me. I WANT TO THANK MY LORD AND SAVIOR JESUS CHRIST. You know my heart, and I hope more times than not I make you proud of me as I am of you! God bless all of you that take the time to read my reflection (or babble). May you all see another day, and growth in yourself. TIME TO BE ME! God Bless

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

elgin and pilar eat and treat at lazy dogg in valencia

elgin walker (keller williams vip properties) — Fri, 13 Jan 2012 21:46:22 -0800

come join us for lunch and ask your real estate questions.

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

My escrow team for real this time!

elgin walker (keller williams vip properties) — Sun, 08 Jan 2012 23:47:10 -0800

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker

There needs to be a good team behind a good agent or agency!

elgin walker (keller williams vip properties) — Sun, 08 Jan 2012 23:42:46 -0800

My escrow officier and I have been in may real estate battles together. I know she has my clients front, back and sides!

TNo matter what you are going through in life it is a temporary condition and it truly is a great life. God Bless

Elgin Walker