- Name
- Jason Hector, Realtor, CDPE, SFR (Certified HAFA Short Sale Specialist)
- Company
- San Fernando Valley, Santa Clarita and Simi Valley, CA
- E-mail
- Contact Jason Hector, Realtor, CDPE, SFR (Certified HAFA Short Sale Specialist) (San Fernando Valley, Santa Clarita and Simi Valley, CA)
- Website
- http://www.jasonhector.com
- Office Phone
- (818) 626-6469
- Cell Phone
- (818) 357-9658
- Fax
- (866) 791-3290
- Address
- Northridge, CA, 91326
- Description
- My expertise is in helping homeowners who are having difficulty affording their mortgage. Specializing in HAFA Short Sales and treating homeowners with empaty, generocity and sensativity.
US Treasury Sponsored HAFA Programs Offer Homeowners a Way Out!!
Helping Homeowners Make A Graceful Exit & Avoid Foreclosure
While there are loan modification programs that can help families, the statistics from the US Bank Website on the Making Home Affordable show that only one in nine will qualify for the program. Many who are at risk of losing their homes through foreclosure may be able to receive help through the Home Affordable Foreclosure Alternatives Program established by the US Treasury Department. HAFA is primarily designed for homeowners with a documented hardship who are unable to stay in their home even with a loan modification under the Home Affordable Modification Program (HAMP) or other loan modification program.
Under HAFA, homeowners may be able to avoid a foreclosure by selling the home as a "short sale" (where the value of the home is less than the remaining amount of the first mortgage). Many homeowner questions can be found in the HAFA Short Sale Frequently Asked Questions (Revised Jan 5, 2011). Homeowners can learn more about the federal government's Home Affordable Foreclosure Alternatives Program by visiting: http://makinghomeaffordable.gov/hafa.html.
Successful Short Sales have been completed thoughout the San Fernando Valley. Neighborhood information on Chatsworth, Encino, Granada Hills, Lake Balboa, North Hills, Northridge, Mission Hills, Northridge, Pacoima, Porter Ranch, Sherman Oaks, West Hills, Woodland Hills.
As a member of the National Association of Realtors, I pride myself on following the 2011 Code of Ethics.
Jason Hector doing business as Action Investments is not associated with the government, and our service is not approved by the government or your lender and even if you accept this offer and use our service, your lender may not agree to change your loan.
Having Difficulties with your Lender/Servicer?
Here are examples of cases that represent valid reasons for escalation:
- Servicer refuses to stop a scheduled foreclosure sale on a borrower's house while the borrower is being evaluated for HAMP.
- Servicer charges up-front fees for the modification.
- Servicer instructs the borrower to miss a payment.
- Servicer claims that they are waiting for information or guidance from Treasury (i.e. Treasury is causing the delay).
- Servicer advises the borrower to intentionally misrepresent their personal or financial information.
- Servicer says they are not participating in HAMP, but the loan's investor is a GSE.
- Servicer says borrower doesn't qualify, but counselor has reason to believe that the borrower is eligible.
The HAMP Escalation process start page is a great tool for consumers to see if they have a valid complaint against their lender or servicer. Keep in mind that the HAMP Solution Center will only handle escalations for borrowers in the U.S. Treasury sponsored programs like Making Home Affordable or the HAFA Short Sale program.
To start, first, work through your normal contacts and channels with the servicer. If that does not resolve the issue, elevate your concern to a senior manager within the servicer's organization.
Here are examples of cases that represent valid reasons for escalation:
- Servicer refuses to stop a scheduled foreclosure sale on a borrower's house while the borrower is being evaluated for HAMP.
- Servicer charges up-front fees for the modification.
- Servicer instructs the borrower to miss a payment.
- Servicer claims that they are waiting for information or guidance from Treasury (i.e. Treasury is causing the delay).
- Servicer advises the borrower to intentionally misrepresent their personal or financial information.
- Servicer says they are not participating in HAMP, but the loan's investor is a GSE.
- Servicer says borrower doesn't qualify, but counselor has reason to believe that the borrower is eligible.
Contact information for the Escalation or Complaint Process is below:
If escalating to senior management does not resolve the issue, escalate the issue using the following contact table:
Gather the necessary case information and borrower consent.
The inquiry information that a counselor will need to supply for a status includes the following:
- Homeowner's Name
- Property Address
- Servicer Name
- Servicer Loan Number
- Foreclosure Date (if applicable)
- Counselor Name & Organization
- Counselor Email
- Counselor Phone
- Counselor Relationship to Homeowner
An escalation specialist will work with the servicer regarding the case and seek to provide you with an initial status within four business days of receipt of the requested inquiry information and borrower authorization. If the servicer is unwilling to comply with program guidance or the escalation team identifies systemic non-compliance, the escalation team may report the servicer to the Making Home Affordable Compliance team.
How to Buy a Great House
It is important that you scout the neighborhood in person. Talk to people who live there. Check for crime statistics or sign up for LAPD e-policing at www.lapdonline.org I really like the Crime Mapping feature which shows recent crimes on a mapping feature like google maps at www.lapdcrimemaps.org. Another important research tool is to check the sex offender list under Megans Law at www.meganslaw.ca.gov
