loan modification: Saugus Short Sale Realtor | Jennifer & Gary Ricco | Specializing in Short Sales
- 11/28/10 05:39 PM
With all the misinformation available in the media and on the Internet, Saugus homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Saugus need a Saugus Short Sale Realtor with a solid understanding of: Whether a loan modification is an option Whether you qualify for a short sale Whether the HAMP, HAFA, or "Hope" for Homeowners Plan apply to you Whether the lender will sue you after foreclosure or a short sale Federal Tax Liabilities Resulting from a Short-Sale/Foreclosure The Impact on Your Credit Rating The Effect on Your Life and Finances Due to Resulting Deficiency Judgments Whether or Not Collection Efforts by Your Lender will … (0 comments)
loan modification: Santa Clarita Short Sale Realtor | Jennifer & Gary Ricco | Specializing in Short Sales
- 11/28/10 08:37 AM
With all the misinformation available in the media and on the Internet, Santa Clarita homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Stevenson Ranch need a Stevenson Ranch Short Sale Realtor with a solid understanding of: Whether a loan modification is an option Whether you qualify for a short sale Whether the HAMP, HAFA, or "Hope" for Homeowners Plan apply to you Whether the lender will sue you after foreclosure or a short sale Federal Tax Liabilities Resulting from a Short-Sale/Foreclosure The Impact on Your Credit Rating The Effect on Your Life and Finances Due to Resulting Deficiency Judgments Whether or Not Collection Efforts by … (0 comments)
loan modification: Stevenson Ranch Short Sale Realtor | Jennifer & Gary Ricco | Realtors Specializing in Short Sales
- 11/28/10 08:26 AM
With all the misinformation available in the media and on the Internet, Stevenson Ranch homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Stevenson Ranch need a Stevenson Ranch Short Sale Realtor with a solid understanding of: Whether a loan modification is an option Whether you qualify for a short sale Whether the HAMP, HAFA, or "Hope" for Homeowners Plan apply to you Whether the lender will sue you after foreclosure or a short sale Federal Tax Liabilities Resulting from a Short-Sale/Foreclosure The Impact on Your Credit Rating The Effect on Your Life and Finances Due to Resulting Deficiency Judgments Whether or Not Collection Efforts by … (0 comments)
loan modification: Valencia Short Sale Realtor | Jennifer and Gary Ricco |Realtor Specializing in Short Sales
- 11/28/10 07:07 AM
With all the misinformation available in the media and on the Internet, Valencia homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Valencia need a Valencia Short Sale Realtor with solid understanding of: Whether a loan modification is an option Whether you qualify for a short sale Whether the HAMP, HAFA, or "Hope" for Homeowners Plan apply to you Whether the lender will sue you after foreclosure or a short sale Federal Tax Liabilities Resulting from a Short-Sale/Foreclosure The Impact on Your Credit Rating The Effect on Your Life and Finances Due to Resulting Deficiency Judgments Whether or Not Collection Efforts … (2 comments)
loan modification: Santa Clarita Realtor | Short Sale Agents | Jennifer and Gary Ricco Short Sale Specialists
- 11/14/10 07:54 AM
Keller Williams is one of the top Real Estate Companies in Santa Clarita as well as the country. Jennifer and I have worked for several of the real estate brokers here in Santa Clarita, whats important to know is; the name of the brokerage does not sell real estate, the individual agent does. Real estate is and always will be about relationships. As Short Sale Agents in Santa Clarita its critical for struggling homeowners to select an agent who possess the ability to foster relationships in order to jump the hurdles of doing a short sale. With Jennifer and I both being Retired Police Officers, we have the integrity and skill-set, to manage … (0 comments)
loan modification: Jennifer & Gary Ricco | Santa Clarita Realtors | Specialist in Short Sales | Advanced CDPE HAFA Agents
- 11/08/10 06:53 AM
Jennifer & Gary Ricco Santa Clarita Realtors want to warn homeowners not to wait for the Notice of Trustee Sale to be posted on your door. If you have received a Notice Of Default or have missed mortgage payments Call Now! (661)290-3837 Waiting too long will reduce your home retention/loan modification options. Before you consider last resort options like short sales to avoid foreclosure, you would be wise to check out the government programs that are helping homeowners to stay in their home. The governments Troubled Asset Relief Program (TARP) is the umbrella for HARP (Home Affordable Refinance Program) and HAMP ( Home … (0 comments)
loan modification: Whether Buying or Selling You Need an Experienced Short Sale Realtor in Santa Clarita
- 11/03/10 10:41 AM
As an experienced short sale Realtor in Santa Clarita we provide our clients with a comprehensive plan whether they are buying or selling a home. Our thorough, detailed Comparative Market Analysis of a home's value will help you determine the purchase price your willing to pay or sell your home for. We will also provide you with the professional guidance necessary to take you comfortably and smoothly through the process to close of escrow. Buyers have more control over the home buying today because; they can choose what they want to see with access to property listings online. However, in most cases what they see is not what they get. … (0 comments)
loan modification: Loan Modification 2010 Fact or Fiction | Mortgage Relief Counseling
- 09/08/10 10:12 AM
President Obama's "Making Home Affordable" plan outlined a consistent set of loan modification guidelines to follow, for those who can't meet the monthly mortgage payments. This has provided temporary relief for the struggling homeowner, however with our high unemployment rate many are re-defaulting. Making Home Affordable's goal is to modify the terms so the monthly payment is no more then 31% of a persons gross monthly income. The homeowner is eligible when they are in eminent danger of defaulting or have already defaulted. A lender receives incentives by following the MHA guidelines, these guidelines are known as the Standard Waterfall. These are the steps … (1 comments)
loan modification: Q2 2010 Mortgage Delinquency Numbers Contain a Mixture of Good and Bad News Q2 2010
- 09/07/10 12:14 PM
National Default Numbers Q2 2010 Mortgage Delinquencies - All Mortgages: 4.57% in Foreclosure 9.40% in Default (30+ days late) Total 13.97% Prime Mortgages: 3.49% in Foreclosure 6.66% in Default (30+ days late) Total 10.15% SUB-Prime Mortgages: 14.38% in Foreclosure 25.90% in Default (30+ days late) Total 40.28% FHA Mortgages: 3.62% in Foreclosure 12.63% in Default (30+ days late) Total 16.25% VA Mortgages: 2.50% in Foreclosure 7.48% in Default (30+ days late) Total 9.98% Total Distressed Properties: 6,216,650 Total predicted sales 3,830,000 "These latest delinquency numbers contain a mixture of somewhat good news and somewhat bad news", according to the Mortgage … (0 comments)
loan modification: Wachovia Implements Streamlined 7-10 Approvals On Fast Track Short Sales
- 01/22/10 06:48 AM
Jennifer and I have been trained to process Wachovia Fast Track Short Sales by a manager from Wachovia's Loss Mitigation division, who has been assigned to handle short sales in North Los Angeles County, Santa Clarita Valley and Ventura County. I'm sure as homeowners you have heard the horror stories or experienced them yourself with regards to the Loan Modification & Short Sales process and are confused about the ramifications associated with doing these types of transactions. Wachovia understands the position this market has created and now offers homeowners, Realtors and buyers the assistance necessary to streamline the short sale process and approve these transactions within traditional time lines. Wachovia … (2 comments)
loan modification: What Is A CDPE And How Can A CDPE Realtor In Santa Clarita Help You?
- 11/23/09 11:28 AM
A Certified Distressed Property Expert® is a real estate professional with specific understanding of the complex issues confronting the real estate industry, and the foreclosure avoidance options available to homeowners. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today's market, specifically short sales. The prospect of foreclosure can be financially and emotionally devastating, and often homeowners proceed without guidance of any kind. The developers of the CDPE Designation believe that the best course of action for a homeowner in distress is to speak with a well-informed, licensed real estate professional. They have the … (0 comments)
loan modification: Santa Clarita Pre Foreclosure Specialists Explains Seller Benefits of a Short Sale, Jennifer & Gary Ricco Keller Williams VIP Properties.
- 10/22/09 03:21 AM
I am continually asked by clients on our listing appointments, "what are the benefits of doing a short sale vs letting the property go through foreclosure?" Without knowing the seller's financial situation, this can be difficult to answer because sometimes it's better to let the property go to a foreclosure because of California's Anti Deficiency laws and the protections they provide. With that being said, in summary a seller can benefit from a short sale in the following ways. * The most important, a seller can avoid having a "foreclosure " on their credit report. *According to recent Fannie Mae lending guidelines, you can be eligible … (0 comments)
Have you missed 3 or more mortgage payments due to a reduction in pay, large medical bills, loss of job or your ARM Loan resetting to a higher payment? Has all the information you've heard in the media confused you? Are you stressed out because your lender is not responding to your loan modification request or your lender is only offering you a Forebearance which increases your principle balance? Do you want honest answers about how … (0 comments)
loan modification: Facing Foreclosure In Santa Clarita? We Can Help You Go Over Your Options!
- 07/19/09 02:18 PM
Are you a homeowner in Santa Clarita faced with the difficult decisions a foreclosure presents? These tough economic times have hardworking people everywhere making difficult decisions regarding their financial future. When facing foreclosure it's critical to learn what options are available to avoid foreclosure, don't be mislead sometimes foreclosure is the best action. When the California 90-day Foreclosure moratorium, aka the "California Foreclosure Prevention Act", is released thousands of foreclosures will eventually happen. Understanding where you are this process is critical, where your at in the process may limit the time you have left to utilize Pre-Foreclosure options.
As a homeowner you have many Pre-Foreclosure options to choose from: Forebearance, Loan … (0 comments)
loan modification: Santa Clarita Realtor Receives Pre-Foreclosure Specialist Certification (PSC)
- 07/18/09 10:59 AM
In today's market foreclosure does more then hurt your credit, it affects your ability to buy a home in the future. There are many programs out there to help struggling homeowners who are falling behind on their mortgage payments. During these tough economic times hardworking people everywhere are having to make difficult decisions regarding their financial future. In order to make sure that you and your family are protected from foreclosure you need a Realtor who has been properly trained to specialize in Pre-Foreclosure alternatives. As Realtors who specialize in helping homeowners avoid foreclosure in Santa Clarita, Jennifer and I go out of our way to … (0 comments)
loan modification: Santa Clarita's Free 24 Hour Foreclosure Avoidance Resource helpline
- 04/24/09 01:59 PM
*I'm worried that my interest only or adjustable rate mortgage will cause me to loose my home! *I have been trying to do a loan modification on my own! *My credit score is very important to me! *Its very important to me to avoid Foreclosure! *I want to understand the benefits of a short sale vs foreclosure! If any of the above statements are your concerns, please call the 24 hour Foreclosure Avoidance Resource Helpline for FREE Recorded Information: Call: 1-(800) 805-2409 Extension 2002
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loan modification: Santa Clarita Are You Confused About Loan Modifications ?????
- 03/27/09 03:26 AM
Don't get locked out of your home. If your paying upfront fees and struggling with a loan modification Jennifer and I can Help. We provide a free consultation, which will educate you on the changes President Obama has made to help homeowners get loan modifications. On February 18, 2009, President Obama announced his plan designed to help up to 7 to 9 million families avoid foreclosure by restructuring or refinancing their mortgages. The plan also strengthens the federal commitment to Fannie Mae and Freddie Mac (the government sponsored enterprises, or GSEs). On March 4, 2009, the Treasury Department released detailed guidance … (1 comments)
With all the misinformation available in the media and on the Internet, Saugus homeowners can easily be mislead. Homeowners struggling to make their mortgage payment in Saugus need a Saugus Short Sale Realtor with a solid understanding of:
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