For more information, visit www.makinghomeaffordable.gov.

You may qualify for a MORTGAGE REFINANCE if:

• You have a Fannie Mae or Freddie Mac mortgage loan on your primary residence, second home or investment property. Please contact Fannie Mae at 1-800-7FANNIE or Freddie Mac at 1-800-FREDDIE if you are unsure.
• You owe no more on your 1st mortgage than 105% of your home's current value. (Example: you owe $105,000 on a home with a current market value of $100,000.)
• You are current on your existing mortgage.
• You are interested in a new fixed or adjustable loan at current low rates.
• Note: Refinancing fees may apply.

If you meet all of the guidelines above, call 866-964-9754 to talk to a loan agent about refinancing your mortgage. 

Having difficulty making payments now? We have programs that may help.
You may be currently delinquent or falling behind on your loan. We understand and every day we partner with hundreds of homeowners to develop solutions that help keep families in their homes. If you are having difficulty making your mortgage payment, here's what you can do right now:

• Give us a call at 1-866-899-5308 to discuss your options.
• Call 1.800.CALL.FHA to find a HUD-certified housing counseling agency.
• Complete a financial analysis form and fax it to 1.866.709.4744.

 Looking to loan modify:  Got GMAC? You may qualify for a long modification if....

WEBSITE: http://www.motheranddaughterrealtyteam.com

• Want to purchase a REO property? Want to know what properties I have to sell?
• Need information on the foreclosure process? Ask me for a FREE Pre-Foreclosure Guide 
• For a FREE MARKET EVALUATION of your home  
• Need a Short Sale Specialist?   

Check out: Real Estate Terms/Definitions.  And take a look at Mother and Daughter Blog and D'Adrea's Mother and Daughter Blog  - for other tips for Sellers and Buyers. I work with my daughter as the Mother and Daughter Real Estate Team at Family Realty Group and we also focus in Short Sales and the Pre-Foreclosure process and REOs/Bank Owned Properties.  Our consultations are free.  Our aggressive marketing plan includes on-line listing advertising.  If you are thinking of selling or buying a home in Northern California's Central Valley (San Joaquin County CA - includes Stockton, Manteca, Tracy, Lathrop) plus Stanislaus County CA - includes Modesto, Salida, Riverbank) & the East Bay (Alameda County CA - includes Hayward, Fremont, Newark, Union City & Oakland) and surrounding areas give us a call.  If you would like a FREE Home Seller or Home Buyer Handbook, please call us at 866-750-8282 or email at US.

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