Homeowner's Bill Of Rights Clears State Legislature

by qinfokusuma 5. July 2012 14:36

Your Ticket to Freedom from Mortgage Frustration

by qinfokusuma 30. June 2012 16:41

In the news, there is talk of a housing recovery. Experts feel more optimistic about the state of housing industry in America. However, if you or someone you know is one of the millions of homeowners who is stuck with a home on which you owe more than the property is worth, the feeling of helplessness can be overwhelming and frustrating.

 

Many people don’t realize that just because they are in danger of losing their home to foreclosure doesn’t mean they have to wait around for it to happen. With help, they can take matters into their own hands.

 

CLAIM YOUR TICKET TO FREEDOM!

 

As a Certified Distressed Property Expert (CDPE), I make it my business to know all of the ins-and-outs of the options that are available for people who are in danger of losing their homes and help the challenges head-on.

 

Take a look at the information on this site and then Contact me today to schedule a free, confidential consultation.

 

RUDY L. KUSUMA 626-780-2221
Certified Distressed Property Expert

Free Special Reports available at www.ShortSalePlatinum.com

 

California Real Estate Broker License Number 01820322

 

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Foreclosure Prevention | Short Sale

Consumer Alert: What You Can Do to Protect Yourself from Getting Ripped Off in Real Estate and Home Loan Relief Scams

by qinfokusuma 30. June 2012 11:15

 

It is really difficult to identify a “surefire” way to detect fraud in the area of real estate and mortgage relief services. But there are some red warning flags to look out for so that you do not become the latest casualty of the scammers. Those things include:

 

1. Advice that you can “walk away” from your home loan and repair your credit by quitclaiming your property to some third party.

 

2. Assertions that you can “delete” or fully satisfy your mortgage by assigning it to a third party.

 

3. Claims that you can get your home “free and clear” by suing your lender for something like failing to get your approval to assign the loan to some other party.

 

4. Letters that appear to be from a government agency claiming to help you obtain mortgage relief assistance, or offers of “official government assistance” or “government approved” mortgage relief.

 

5. Requests that you pay only in cash, or by wire transfer or a cashier’s check.

 

6. Discussions of “side deals”, paying for something “outside of escrow” or “after closing”.

 

7. An unwillingness to meet in person.

 

8. “Attorney-backed” or “attorney affiliated” entities that do not disclose the name or names of California licensed lawyers who are responsible for those entities.

 

9. The use of more than one contract for the same services.

 

10. Advice that you do not need to read an agreement that you have been asked to sign. Always remember that you should not be pressured into entering into an agreement that you do not read and understand.

 

11. Unsolicited help, such as people showing up at your home, or cold-calling you and professing their expert services. You need to fully research all of those who you consider paying for real estate and mortgage relief services.

 

12. Unqualified guarantees or promises that the service provider can get your loan modified, that they can get a short sale approval for you, or that they can stop a foreclosure action.

 

13. Requests that you provide personal financial information over the phone or over the Internet.

 

14. Requests for upfront payment before any services have been provided.

 

15. Requests giving the service provider a power of attorney.

 

16. Statements that you must act immediately, or without any delay.

 

17. Requests that you must sign a deed of trust, grant deed, quitclaim deed, or any document that has not been fully completed (such as where lines are left blank).

 

18. Advice that you should not talk with your lender, servicer, attorney, accountant, and/or anyone else.

 

19. The use of lofty language that you cannot understand.

 

20. Advice that you can make some false statements in documents to get mortgage relief since “everybody is doing it”.

 

21. Assertions that they have found some secret loophole in the banking laws that will help you eliminate or modify your mortgage.

 

22. Assertions that you can avoid foreclosure by giving “fractionalized” interests in your property to persons or entities that are in bankruptcy.

 

23. Assertions that you are a “sovereign person” not subject to the laws of California or the United States.

 

24. Assertions that bankruptcy is an easy fix and will save your home from foreclosure. Filing for bankruptcy is a major event, with large implications for your life and credit, and it does not wipe out your secured mortgage lien. Bankruptcy should not be taken lightly, or commenced without serious contemplation and the advice of a credible and reputable bankruptcy specialist.

 

CLICK HERE TO DOWNLOAD THE ORIGINAL FROM CA DRE LEGAL COUNSEL

 

 

Foreclosures spike 9% in May

by qinfokusuma 21. June 2012 16:17

Foreclosure filings in May spiked 9% compared with a month earlier, according to an industry group.

RealtyTrac reported that 205,990 U.S. properties received filings last month, including default notices, scheduled auctions and bank repossessions, marking the first monthly increase since January.

Bank repossessions climbed steeply, up 7% to 54,844, after hitting a four-year low in April.

The industry had anticipated that there would be a new wave of foreclosures once the industry resolved the "robo-signing" issues, which came to light in late 2010. A settlement was finalized last April.

CLICK HERE FOR ORIGINAL SOURCE LINK  - CNNMoney Les Christie June 14, 2012

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Short Sale Update: Changes to 2nd Lien Deficiency Waiver Guidelines

by qinfokusuma 15. June 2012 11:20

Bank of America has extended additional support to homeowners by agreeing to enhanced 2nd lien deficiency waiver guidelines.

Basic qualifications:

* The short sale must be initiated on or after June 1, 2012

* The 2nd lien must be attached to a 1st lien mortgage owned by Bank of America.

This waiver enhancement, based on the Department of Justice settlement, went into effect on June 1, 2012. 

To determine your eligibility, please contact:
Rudy L. Kusuma
Team NuVision Foreclosure Prevention Unit
Cell: 626-780-2221
Site: www.ShortSalePlatinum.com

 

Short Sale vs. Foreclosure

by qinfokusuma 12. June 2012 11:43

We go over the key differences between short sale and foreclosure in today's real estate market.

Rudy L. Kusuma hold the Certified Distressed Property Expert (CDPE) designation are trained to help homeowners navigate alternatives to foreclosure, and can provide answers to the many questions surrounding America's foreclosure crisis. Call Rudy 626-780-2221  - to learn more, go to www.MyHouseSaved.com

What Happens in a Foreclosure

by qinfokusuma 12. June 2012 11:35

This video describes what happens when a lender takes possession of a property it has mortgaged due to non-payment. Rudy L. Kusuma hold the Certified Distressed Property Expert (CDPE) designation are trained to help homeowners navigate alternatives to foreclosure, and can provide answers to the many questions surrounding America's foreclosure crisis. Call Rudy 626-780-2221  - to learn more, go to www.MyHouseSaved.com

Mortgage Modification Explained

by qinfokusuma 12. June 2012 11:31

This video describes what mortgage modification is, and how it can be a great option to avoid foreclosure as long as you can truly afford a "modified" or reduced payment. Rudy L. Kusuma hold the Certified Distressed Property Expert (CDPE) designation are trained to help homeowners navigate alternatives to foreclosure, and can provide answers to the many questions surrounding America's foreclosure crisis. Call Rudy 626-780-2221  - to learn more, go to www.MyHouseSaved.com

What is a Short Sale?

by rudylk 12. June 2012 11:23

This video describes a short sale, a real estate transaction where the bank will accept less than what is owed to them when a home is sold. Rudy L. Kusuma hold the Certified Distressed Property Expert (CDPE) designation are trained to help homeowners navigate alternatives to foreclosure, and can provide answers to the many questions surrounding America's foreclosure crisis. Call him direct at 626-780-2221  - to learn more, go to www.MyHouseSaved.com

 

 

 

 

27 Quick and Easy Fix Ups to Sell Your Home Fast and for Top Dollar

by qinfokusuma 9. June 2012 12:16

San Gabriel Valley - Because your home may well be your largest asset, selling it is probably one of the most important decisions you will make in your life. And once you have made that decision, you'll want to sell your home for the highest price in the shortest time possible without compromising your sanity. Before you place your home on the market, here's a way to help you to be as prepared as possible.

To assist homesellers, a new industry report has just been released called "27 Valuable Tips That You Should Know to Get Your Home Sold Fast and for Top Dollar." It tackles the important issues you need to know to make your home competitive in today's tough, aggressive marketplace.

Through these 27 tips you will discover how to protect and capitalize on your most important investment, reduce stress, be in control of your situation, and make the best profit possible.

In this report you'll discover how to avoid financial disappointment or worse, a financial disaster when selling your home. Using a common-sense approach, you will get the straight facts about what can make or break the sale of your home.

You owe it to yourself to learn how these important tips will give you the competitive edge to get your home sold fast and for the most amount of money.

Order your free report today. To order a FREE Special Report, visit www.27HomeSellersTips.com or to hear a brief recorded message about how to order your FREE copy of this report call toll-free 1-888-300-4632 and enter 1023. You can call any time, 24 hours a day, 7 days a week.

Get your free special report NOW.

 

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