Keller Williams Realty Las Vegas

Explaining HAFA

Tue, 20 Apr 2010 19:09:41 GMT

Participating in HAFA

Sat, 27 Mar 2010 19:35:22 GMT

Name	Web Site	Phone	Service Address	Fax
Allstate Mortgage Loans & Investments, Inc.	http://www.allstateocala.com/	866-351-0200	P.O. 1201, Crystal River, FL 34423	352-351-4557
American Eagle Federal Credit Union	www.americaneagle.org	800-842-0145	Attention: Loss Mitigation 1 Corporate Drive Lake Zurich, IL 60047	847-574-7658
American Home Mortgage Servicing, Inc.	www.ahmsi3.com	877-304-3100	Attn: HAMP Processing 1525 S. Belt Line Road Coppell, TX 75019	866-452-1837
AMS Servicing, LLC	www.ams-servicing.com	866-919-5608	3374 Walden Avenue Buffalo, NY 14043	716-204-3875
Aurora Loan Services LLC	https://www.myauroraloan.com/	800-550-0508	P.O. Box 1706 2617 College Park Scottsbluff, NE 69363-1706	866-517-7975
Bank of America, N.A.	www.bankofamerica.com/mha/	800-669-6607	MHA Escalations Unit PO Box 941408 Simi Valley, CA 93094-0070	866-261-6472
Bank United	http://www.bankunited.com/display.asp?navid=&id=117	866-615-0662	Attn: Modification Department Mail Code: DO4-RESALT-560 7815 N.W. 148th Street Miami, FL 33016
Bay Federal Credit Union	http://www.bayfed.com/lo/mortgage.html	888-422-9333	3333 Clares Street Capitola, CA 95010	831-479-6027
Bay Gulf Credit Union	http://www.baygulf.com	800-275-4229	3202 W. Waters Ave, Tampa, FL 33614 Tampa, FL 33614	813-932-3470
Bayview Loan Servicing, LLC	www.bayviewloanservicing.com	800-457-5105	Attn: Specialized Asset Management 4425 Ponce De Leon Blvd., 5TH Floor Coral Gables, FL 33146	877-360-9593 or 305-646-9943
CCO Mortgage	www.ccomortgage.com	877-745-7366	10561 Telegraph Road Glen Allen, VA 23059	888-777-1631
Carrington Mortgage Services, LLC	www.carringtonms.com	888-267-2417	Attention: Home Retention P.O. Box 54285 Irvine, CA 92619-4285	877-267-1331
Central Florida Educators Federal Credit Union	www.mycfe.com	800-771-9411	P.O. Box 958471 Lake Mary, Florida 32795-9814 Attn: Real Estate - HAMP Team	407-893-5727
Central Jersey Federal Credit Union	www.cjfcu.org	732-634-0600	380 Berry St Woodbridge NJ 07095	732-726-8709
Chase Home Finance LLC	http://www.chase.com/myhomep	866-282-5682	Regular Mail: PO Box 469030 Glendale, CO 80246 Overnight Mail Attn: Chase Fulfillment Center 4500 Cherry Creek Drive South Suite 410 Glendale, CO 80246	866-282-5682
Community Bank & Trust Company	www.combk.com		125 N. State Street, Clarks Summit, PA 18411
CitiMortgage, Inc.	www.mortgagehelp.citi.com	866-915-9417	Citi Ham Trial Agreements NTSB 1680, 680 Colwell Blvd Irving, TX 75039	866-989-1356
Citizens 1st National Bank	https://www.citizens1st.com/	800-311-7531	606 S. Main Street Princeton, IL 61356	815-872-0247
Citizens First Wholesale Mortgage Co.	https://www.cfwmortgage.com/	800-477-1086	560 Fieldcrest Drive The Villages, FL 32162	352-753-4482
Countrywide Home Loans Servicing LP	http://my.countrywide.com/media/hasp.html	800-669-6607	MHA Escalations Unit PO Box 941408 Simi Valley, CA 93094-0070	800-596-8395
CUC Mortgage Corporation	www.cucmortgage.com	800-342-4998	P.O. Box 12670 Albany, NY 12212	N/A
Digital Federal Credit Union	www.dcu.org	800-328-8797	220 Donald Lynch Blvd., Malborough, MA 01752	866-260-0119
DuPage Credit Union	www.dupagecu.com	800-323-2611	Attn: Alternative Loan Solutions P O Box 3930 Naperville, IL 60567	630-305-6030
EMC Mortgage Corporation	http://www.emcmortgagecorp.com	800-723-3004	Regular Mail Chase/EMC Fulfillment Center PO Box 293150 Lewisville, TX 75029 Overnight Mail Chase/EMC Fulfillment Center 2780 Lake Vista Drive Lewisville, TX 75067	917-849-2677
Eaton National Bank & Trust Co	www.enbbank.com	937-456-5544	110 West Main Street, Eaton, OH 45320	937-456-6847
Farmers State Bank	https://farmersstate-oh.com	800-350-2844	11 S. Main St., P.O.Box 801, West Salem, OH 44287	419-853-4730
Fidelity Homestead Savings Bank	http://www.fidelityhomestead.com	504-569-3490	201 St. Charles Ave, 20th Floor New Orleans, LA 70170	504-569-3537
First Bank	http://www.firstbanks.com	800-760-2265	1 First Missouri Center St. Louis, MO 63141	314-264-0220
First Federal Savings and Loan Assoc of Lakewood	http://www.ffl.net	800-966-7300	14806 Detroit Ave., Lakewood, OH 44107	216-221-4507
First Federal Savings and Loan of Port Angeles	https://www.ourfirstfed.com/home/home		PO Box 351 Port Angeles, WA 98362 Attn: Collection Department	360-457-5194
First National Bank of Grant Park	http://www.1st-nationalbank.com/	815-465-2161	119 N Main Street, Grant Park, IL 60940	815-465-6245
First Keystone Bank	http://www.firstkeystonebankonline.com	610-565-6210	22 West State Street Media, PA 19063	610-892-5122
Franklin Credit Management Corporation	http://www.franklincredit.com/	800-255-5897	Attn: Loss Mitigation 101 Hudson Street 25th Floor Jersey City, NJ 07302	201-839-4545
Fresno County Federal Credit Union	http://www.fresnocfcu.com/	800-613-2328	4979 E. University Ave Fresno, CA 93727	559-451-2496
Glass City Federal Credit Union	www.glasscityfcu.com	800-837-3595	1340 Arrowhead Drive Maumee, OH 43537	419-887-1099
Glenview State Bank	www.gsb.com	847-729-1900	800 Waukegan Road, Glenview, IL 60025	847-832-0199
GMAC Mortgage LLC	www.gmacmortgage.com	800-766-4622	2711 North Haskell Ave, Suite 900 Dallas, TX 75204	866-709-4744
Golden Plains Credit Union	www.gpcu.org	877-775-8175	1135 College Drive, Suite C, Garden City, KS 67846	620-276-8072
Grafton Suburban Credit Union	www.graftonsuburban.com	508-839-5493	86 Worcester Street, North Grafton, MA 01536	508-839-5750
Great Lakes Credit Union	www.glcu.com	800-442-3488
Greater Nevada Mortgage Services	http://www.gnms.com/	800-421-6674	4070 Silver Sage Drive, Carson City, NV 89701	775-884-7041
Green Tree Servicing LLC	www.gtservicing.com	800-643-0202	7360 S Kyrene Road T214 Tempe, AZ 85283	877-265-9717
Harleysville National Bank & Trust Company	http://truebridge.harleysvillebank.com/hnb/home.php?b=24541143-0	888-462-2100	483 Main Street, P.O. Box 195 Harleysville, PA 19438	215-256-4903
Hartford Savings Bank	http://www.hartfordsavingsbank.com	800-844-3812	1400 Schauer Drive, Hartford,WI 53027	262-673-0459
Hillsdale County National Bank	www.countynationalbank.com	517-439-6121	One South Howell Street Hillsdale, MI 49242	517-437-3151
HomEq Servicing	www.homeq.com	877-867-7378	P.O. Box 160248 Sacramento, CA 95816-0248	866- 554-5325
Home Financing Center Inc.	www.homefinancingcenter.com	305-777-1171	806 S. Douglas Rd., Suite 580 Coral Gables, FL 33134	305-777-9819
HomeStar Bank and Financial Services	www.homestarbank.com	815-468-2265	3 Diversatech Dr., Manteno, IL 60950	815-468-2378
Home Loan Services, Inc.	www.viewmyloan.com	800-622-5035	Loan Services P.O. Box 1838 Pittsburgh, PA 15230-1838	412-499-3400
Horicon Bank	www.horiconbank.com	920-485-3080 ext.7310	326 E Lake Street, PO 126 Horicon, WI 53032	920-485-3059
Horizon Bank, NA	www.accesshorizon.com	888-873-2640	515 Franklin Square, Michigan City, IN 46360	219-874-9374
Iberiabank	www.iberiabank.com	800-968-0801	1680 Fruitville Rd. Sarasota, FL 34236	941-556-5821
IBM Southeast Employees Federal Credit Union	www.ibmsecu.org	800-873-5100	Attn: Mortgage Modifications PO Box 2850 Kennesaw GA 30156	678-797-6329
IC Federal Credit Union	http://www.iccreditunion.org	800-262-1001	Attn: Judy Kaddy 300 Bemis Road Fitchburg, MA 01420	978-343-4949
Idaho Housing and Finance Association	www.ihfa.org		PO Box 7899 Boise, Idaho 83707	208-331-4800
iServe Residential Lending, LLC	http://www.urlending.com	1-888-875-8326	13520 Evening Creek Drive Suite 400, San Diego, CA 92128	1-480-614-6710
iServe Servicing Inc.	http://www.iservecompanies.com/	1-214-496-9500	222 W. Las Colinas Blvd. Suite 1252E, Irving, TX 75039	1-214-496-9501
J.P. Morgan Chase Bank, NA	http://www.chase.com/myhomep	866-550-5705	Regular Mail: PO Box 469030 Glendale, CO 80246 Overnight Mail Attn: Chase Fulfillment Center 4500 Cherry Creek Drive South Suite 410 Glendale, CO 80246	866-282-5682
Lake City Bank	www.lakecitybank.com	888-522-2265	ATTN: Candy Little PO BOX 1387 Warsaw, IN 46581-1387	574-267-9128
Lake National Bank	www.lakenationalbank.com	440-205-8100	PO Box 1048 Mentor, Ohio 44061-1048	N/A
Litton Loan Servicing	www.littonloan.com	800-247-9727	4828 Loop Central Drive Houston, TX 77081	713-793-4923
Los Alamos National Bank	www.lanb.com	800-684-5262	PO Box 60 Los Alamos NM 87544	505-663-4053
Marix Servicing, LLC	www.marixservicing.com	866-406-2749	1925 W. Pinnacle Peak Road Phoeniz, AZ 85027	623-249-2070
Members Mortgage Company, Inc	www.membersmortgage.com	800-316-9790	10 Cedar Street, Suite 11 Woburn, MA 01801	781-376-9452
Mission Federal Credit Union	www.missionfcu.org	800-500-6328 x2074	PO Box 919023 San Diego, CA 92121 Attn: Loss Mitigation	858-546-2058
Metropolitan National Bank	https://www.metbank.com/default.asp	866-796-3876	Attn: Mortgage Department P.O. Box 8010 Little Rock, AR 72203	501-907-8709
MorEquity, Inc.	www.morequity.com	800-441-3805	1) PO Box 3788 Evansville IN 47736-9984 2) 601 NW Second Street, Evansville IN 47708	812-475-7074
Mortgage Center, LLC	www.mortgagecuso.com	866-856-3750	20300 Civic Center Dr, # 403 Southfield, MI 48076	248-799-8556
Mortgage Clearing Corporation	www.mortgageclearing.com	800-727-9043
National City Bank	www.pncmortgage.com	800-523-8654	3232 Newmark Drive Miamisburg, OH 45342	937-910-4009
Nationstar Mortgage LLC	www.nationstarmtg.com	888-850-9398	Attn: HAMP 350 Highland Drive Lewisville, TX 75067	214-488-1993
Navy Federal Credit Union	www.navyfederal.org	1-888-842-6328	3820 Follin Lane S.E Vienna, VA 22180	1-703-206-3055
Oakland Municipal Credit Union	www.omcu.com	510-637-6600	250 Frank H. Ogawa Plaza Suite 6301 Oakland , CA 94612	510-238-5227
Ocwen Financial Corporation, Inc.	www.ocwencustomers.com	800-746-2936	16661 Worthington Rd Ste 100 West Palm Beach, FL 33409	407-737-6174
OneWest Bank	www.owb.com/mymortgage	800-781-7399	Indymac - 1, 2900 Esperanza Crossing Austin, TX 78758	866-235-2366
ORNL Federal Credit Union	www.ornlfcu.com/	800-676-5328	Attn: Mortgage Modification Dept 221 S. Rutgers Avenue Oak Ridge, TN 37830	865-481-5810
Park View Federal Savings Bank	www.parkviewfederal.com	440-914-3900	30000 Aurora Road, Solon, OH 44139	440-914-3656
PennyMac Loan Services, LLC	www.pnmac.com/index.php	866-545-9070	Attn: Karen Denton 27001 Aguora Road, Suite 350 Calabasas, CA 91301 Attn: Karen Denton	818-224-7510
PNC Bank, National Association	www.pncmortgage.com	800-523-8654	3232 Newmark Drive Miamisburg, OH 45342	937-910-4009
Purdue Employees Federal Credit Union	www.purdueefcu.org	800-627-3328	P.O. Box 1950 West Layette IN 47996-1950	765-497-7477
Q lending, Inc.	www.qlending.com	517-439-6121	1 Corporate Drive, Suite 360 Lake Zurich, IL 60047	847-574-7658
Quantum Servicing Corporation	www.quantum-servicing.com	813-371-0270	6302 E. MLK Blvd., Suite 300 Tampa, FL 33619	N/A
RG Mortgage Corporation	www.rgmortgage.com/mortgage	888-264-4674	PO Box 362394 San Juan, PR. 00936-2394	787-756-2845
Residential Credit Solutions		800-737-1192	4282 North Freeway Fort Worth TX 76137	888-775-7250
Roebling Bank	http://www.roeblingbank.com/	609-668-6500	Route 130 & Delaware Avenue, Roebling , NJ 08554	609-668-6255
RoundPoint Mortgage Servicing Corporation	www.rpmservicing.com/	877-426-8805	P.O. Box 19409 Charlotte, NC 28219-9409	888-364-5558
Saxon Mortgage Services	www.saxononline.com	800-594-8422	Saxon Attention: Home Preservation HMP Documentation Department 4708 Mercantile Drive North Fort Worth, TX 76137	888-240-1885
Schools Financial Credit Union	www.schools.org	800-962-0990	C/O Real Estate Department 1485 Response Rd Suite 126 Sacramento CA, 95815	916-569-2047
SEFCU	www.sefcu.com	866-733-2880	700 Patroon Creek Blvd Albany, NY 12206	518-464-5213
Select Portfolio Servicing	www.spservicing.com	888-818-6032	PO BOX:65250 Salt Lake City, UT 84165-0250 3815 S. West Temple Salt Lake City, UT 84107	801-293-3936
Servis One Inc.,dba BSI Financial Services, Inc	www.bsifinancial.com	866-209-4178	Attn: HAMP Department P.O. Box 517, 314 S. Franklin Street, Titusville, PA 16354	814-217-1366
ShoreBank	www.sbk.com	800-905-7725	Attn: Kenisha Davis 3401 South King Drive, Chicago, IL 60466	773-420-4501
Silver State Schools Credit Union	www.silverstatecu.com	800-357-9654	1 Corporate Drive Suite 360 Lake Zurich, IL 60047	847-574-7658
Sound Community Bank	www.soundcb.com	800-458-5585 ext 362	2005 5th Ave., Seattle, WA 98121	866-216-3405
Specialized Loan Servicing, LLC	http://www.sls.net/	800-315-4757	8742 Lucent Blvd., Suite 300, Highlands Ranch, CO 80129	720-241-7526
Spirit of Alaska Federal Credit Union	www.spiritofak.com	907-459-5974	Mortgage Dept 1417 Gillam Way Fairbanks, AK 99701	907-459-5980
Stanford Federal Credit Union	www.sfcu.org	888-723-7328	Attn: Tram Le 1860 Embarcadero Road Palo Alto, CA 94303	866-743-3151
Sterling Savings Bank	www.sterlingsavingsbank.com	800-772-7791	Attn: Tram Le 111 N. Wall, Spokane, WA 99201	509-624-8038
Tempe Schools Credit Union	www.tscu.org	480-967-9475	2800 S. Mill Ave., Tempe, AZ 85282	480-776-3729
Technology Credit Union	www.techcu.com	800-553-0880	2010 N First Street San Jose, CA 95131 Attn: LAD	408-453-8742
The Bryn Mawr Trust Company	www.bmtc.com	610-687-4268	801 Lancaster Ave., Bryn Mawr, PA 19010	610-526-2450 Attn: Bill Shirdan
The Golden 1 Credit Union	http://www.golden1.com/	800-553-0880	8945 Cal Center Drive Sacramento, CA 95826	408-453-8742
United Bank	http://www.accessunited.com	1-770-412-7211	22818 N Main St. Ettrick, WI 54627	608-525-2118
United Bank Mortgage Corporation	www.unitedbankofmichigan.com	800-968-1990	900 East Paris SE, Grand Rapids MI 49546	616-559-4631
Urban Trust Bank	http://www.urbantrustbank.com/	1-407-732-5698	400 Colonial Center Parkway, Lake Mary FL 32789	1-407-732-5698
U.S. Bank National Association	www.usbank.com	866-932-0462	P.O. BOX 20005 OWENSBORO, KY 42304-0005	N/A
Vantium Capital, Inc.	http://www.acqura.net	866-660-5804	6500 International Parkway Suite 1500 Plano, TX 75093	972-444-3356
Verity Credit Union	http://www.veritycu.com	800-836-8172	CU Home Mortgage Solutions PO Box 75989 Seattle, WA 98175	206-361-5300
Visit Financial Corp.	www.vistfc.com		1240 Broadcasting Rd. Wyomissing, PA 19605
Wachovia Mortgage, FSB	www.wachovia.com	800-922-4684	4101 Wiseman Blvd Mailcode TX 1616 San Antonio, TX 78251	866-359-7363
Wachovia Bank, NA	www.wachovia.com	800-922-4684	1000 Blue Gentian Road Suite 300 Eagan MN 55121	866-359-7363
Wells Fargo Bank, NA	www.wellsfargo.com/homeassist	800-678-7986	HAMP Application Documents 1000 Blue Gentian Road Suite 300 X9999-01N Eagan MN 55121 Customer Service Correspondence PO Box 10335 MAC: X2302-017 Des Moines, IA 50306	866-359-7363
Wescom Central Credit Union	www.wescom.org	888-493-7266	5601 E. La Palma Avenue Anaheim, CA 92807	626-535-1357
Wilshire Credit Corporation	https://www.wcc.ml.com	888-502-0100	PO Box 8517 Portland, OR 97207-8517	888-917-1050
Yadkin Valley Bank	www.yadkinvalleybank.com	336-258-6252	PO Box 96 Pfafftown, NC 27040	336-258-6252

Government to push lenders to do short sales

Sat, 20 Mar 2010 14:04:12 GMT

Government to push lenders to do short sales

REAL ESTATE

March 10, 2010|By Robert Selna, Chronicle Staff Writer

The Treasury Department spent 2009 pushing banks to modify mortgage payments so that distressed homeowners would not be displaced. Next month, the government will start a program encouraging owners and banks to sell some of those same homes.

The program, scheduled to begin April 5, focuses on transactions known as short sales, in which a lender allows a homeowner to sell a house for less than, or short of, what is owed on the mortgage.

Supply of Foreclosed Homes on the Rise Again

Fri, 19 Mar 2010 11:35:28 GMT

The supply of foreclosed homes that banks need to sell is rising again, signaling further downward pressure on home prices in some parts of the U.S.

Mortgage analysts at Barclays Capital in New York estimated that banks and mortgage investors held a total of 645,800 foreclosed homes in January, up 4.6% from 617,286 a month earlier.

According to Barclays, the supply peaked at around 845,000 in November 2008 and then declined through 2009.

Even though the number of people behind on mortgage payments kept rising last year, the flow of homes into bank ownership slowed markedly because of time-consuming efforts to figure out which distressed borrowers could qualify for programs that attempt to avert foreclosures by reducing monthly payments. Meanwhile, brisk demand from investors and first-time home buyers helped banks unload many of the homes they held.

Now the supply is rising again because banks are determining that many homeowners don't qualify for loan modifications and are completing more foreclosures. Home sales also have slowed in recent months.

Barclays projects that the supply of foreclosed homes will rise to about 733,000 in April, then begin to decline again gradually. Foreclosed properties now account for roughly a fifth of all homes listed for sale nationally.

The outlook for sales of foreclosed homes depends heavily on whether the economy continues to heal and manages to create enough jobs to boost demand for housing. It also depends on how many distressed borrowers can be rescued from foreclosure through loan modifications. Nearly eight million households, or 15% of those with mortgages, are behind on mortgage payments or in the foreclosure process. Foreclosures are heavily concentrated in a few states, notably Florida, Arizona, Nevada, California and Michigan.

Estimating the number of homes owned by banks and mortgage investors isn't an exact science. Barclays uses foreclosure-related data from mortgage securities packaged by Wall Street and extrapolates from that to estimate the entire market.

John Burns, a real estate consultant in Irvine, Calif., projected that home prices as measured by the S&P/Case-Shiller national index will fall an additional 6% before leveling off later this year.

While he expected many lower-end homes to show price increases this year, he said that would be offset by steep declines on some luxury homes. He assumed mortgage rates would rise to about 6% by year end and job growth would resume in the second half.

News in Nevada - REO and foreclosure topics

Fri, 19 Mar 2010 11:32:34 GMT

We are launching our blog today! We will be sharing the industries top news and information..

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

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

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

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!

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.

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

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!

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Freezes in Foreclosure

Think a Foreclosure Moratorium Will Save Your Home?

Think Again.

You may have heard news that politicians are requesting a federal moratorium on foreclosures and wonder what this means to you, especially if you are behind on mortgage payments. The reality is that a foreclosure freeze is not the answer to your problem. However, there are steps you can take to avoid foreclosure.

On the site below I've listed 5 steps to Avoid Foreclosure, which starts out with the proactive approach in avoiding foreclosure—taking action!

I have created this site to provide a source of empowerment and education. From short sales to loan modifications, I can provide information to provide a genuine sense of hope.

For a free report on the Five Steps to Avoid Foreclosure, fill out the form below and click "Send." Remember, a moratorium won't save your home—only you can! I'm here to help.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

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.

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!

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away.

I'm here to assist you.