5 Ways to Beat Foreclosure and Avoid Credit Collapse

by qinfokusuma 9. September 2013 07:40

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.

 

YOU HAVE OPTIONS!

 

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

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




Download your free report at
http://www.sangabrielvalleyshortsales.com/Save-Your-Financial-Future.aspx 

ABOUT US:

Rudy L. Kusuma has the passion, knowledge, and experience helping homeowners to avoid foreclosure; He specializes in complex transactions representing owners in disposition of their assets. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE,Bank of The West, East West Bank, HSBC, and many more.

Rudy can be reached online at http://www.TeamNuVision.net    or cell 626-780-2221

Free recorded message (talk to NO ONE) 1-888-300-4632, enter ID# 1002 

Real Homeowner Stories: A Fresh Start

by qinfokusuma 2. April 2013 08:43

For homeowners who are in danger of losing their home to foreclosure, it is common to feel like you are all alone and that there is no one who can help. This simply isn’t true. There are real people who have been in the same situation who have found solutions. Take, for example, Dan and Jessica M.

For Dan and Jessica, their homeownership dream always involved building a house on a piece of land. “We build a house on half an acre,” said Dan.

 

In order to achieve their dream, they stretched a little beyond what they were comfortable with by getting two adjustable rate mortgages, a common practice at the time. “The introductory rates were 8.5% and 11.5%, but our lender said, ‘Don’t worry, you can refinance after two years.’”

 

For a while, they were getting by. Then, a couple of things happened. “We had our first child, and soon afterward, Jessica lost her job,” said Dan. “Soon, bills started piling up.”

 

Because they believed they’d be able to refinance, they started paying their bills on credit cards. “We hung on for the full two years hoping we could refinance at a lower interest rate, but when the time came, our lender said no because our home’s appreciation was too low.”

 

Dan and Jessica needed help. A friend referred them to a real estate agent who was a Certified Distressed Property Expert®. The agent answered their questions. Most importantly, the agent explained the difference between a foreclosure and a short sale. In a short sale, the bank agrees to allow the home to be sold for less than the amount due on the loan.

 

“With this information, we were able to decide that a short sale was our best option.”

 

It was a stressful process, but the agent helped them tremendously. She even kept a potential buyer from walking when the process was taking longer than expected. “Honestly, if it weren’t for her, the buyer would have left and we’d have been stuck.”

 

Dan and Jessica’s story is just one of many. I have a report entitled “From Foreclosure to Freedom” which tells other stories of real homeowners who faced foreclosure and found relief. Download the report, read the stories, and then contact me for a free, confidential consultation.

ABOUT THE BLOGGER:

Rudy has the passion, knowledge, and experience helping homeowners to avoid foreclosure; He specializes in complex transactions representing owners in disposition of their assets. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more.

Rudy can be reached online at http://www.TeamNuVision.net   or cell 626-780-2221

Free recorded message (talk to NO ONE) 1-888-300-4632, enter ID# 1002

Tags:

Foreclosure Prevention

Real Homeowner Stories: A Miracle in the Form of a Red Envelope

by qinfokusuma 2. April 2013 08:36

For homeowners who are in danger of losing their home to foreclosure, it is common to feel like you are alone and that there is no one to help. This simply isn’t true. There are real people who have been in the same situation who have found solutions. Take, for example, Punipuao W.

Punipuao found herself struggling to keep her home after her husband passed away.  “With only my income, I was no longer able to make my monthly mortgage payment,” she said. Faced with the prospect of losing the home she and her husband had bought together, she began looking for alternatives to help her keep the home.

 

She pleaded with the bank for relief, “but their responses gave me little information and even less hope.”

 

The prospect of losing the home she and her husband had shared for over 20 years was difficult. “I was so distraught,” she said. “I did not know where to turn.

 

“Then, one day, my miracle came through a red envelope in the mail.”

 

In the envelope was a note from a local real estate agent with the Certified Distressed Property Expert designation (or CDPE). This designation meant that the agent was trained specifically to help people like Punipuao. She called the agent.

 

“About four hours after I made the call, he was at my door offering help. I told him my story.” In merely two days, she received a call from the bank saying that the president of the bank was reviewing her file. “That was a good sign,” she said.

 

A few days after that, Punipuao had been approved for a trial loan modification. “There were many tears of gratitude at the miracle that came to me in the form of my agent. I thank god for sending me that miracle.”

Punipuao’s story is just one of many. I have a report entitled “From Foreclosure to Freedom” which tells other stories of real homeowners who faced foreclosure and found relief. Download the report, read the stories, and then contact me for a free, confidential consultation.

ABOUT THE BLOGGER:
Rudy has the passion, knowledge, and experience helping homeowners to avoid foreclosure; He specializes in complex transactions representing owners in disposition of their assets. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more.

Rudy can be reached online at http://www.TeamNuVision.net  or cell 626-780-2221

Free recorded message (talk to NO ONE) 1-888-300-4632, enter ID# 1002

Tags:

Foreclosure Prevention

Real Homeowner Stories: It All Started With a Miscommunication

by qinfokusuma 2. April 2013 08:33

For homeowners who are in danger of losing their home to foreclosure, it is common to feel like they are alone and that no one can help. This simply isn’t true. There are real people who have been in the same situation who have found solutions. Take Lian S. for example.

For Lian, her financial troubles began with a miscommunication.

 

Lian and her husband had just had triplets who were born extremely premature. “I was on bed rest months before they were born and they had to remain in the hospital for four months afterwards.

 

Despite the difficulties, they were still making their payments. “We had never been late on our mortgage since purchasing the house. Then I called my lender to push back our payment date a week or two to better align with our earning schedule,” she said.

 

The bank went even further, offering them a trial loan modification to help lessen their payments. “We were placed in the trial program while they processed our application for the program,” said Lian.

 

Unfortunately, a mixup with the paperwork at the bank caused some issues. Even though the loan modification department was processing their application, all the collections department knew was that they were making payments for less than they owed. “We were getting collections calls, but our bank told us to ignore them.”

 

Then, the worst-case scenario happened. After months of processing, the bank told them that they didn’t qualify for the loan modification and that they would have to come up with the $12,000 they missed on their original payments.

 

“We couldn’t come up with the money,” she said. “At that point, we realized that even though we loved this house, we’ll unfortunately need to move out.”

 

They had done their research and knew that a short sale was probably their best option. They sought out an agent who was knowledgeable about short sales. The agent, a CDPE®, got the foreclosure proceedings halted immediately. “She was an expert in the field of short sales and knew all the ins and outs,” said Lian.

 

The agent sold the house and Lian and her husband feel grateful. “We try and look at the positives,” she said. “We got out of the shadow of the bank and foreclosure, and we have three healthy children. Beyond this, we just let the negative roll off of our backs.”

 

Lian’s story is just one of many. I have a report entitled “From Foreclosure to Freedom” which tells other stories of real homeowners who faced foreclosure and found relief. Download the report, read the stories, and then contact me for a free, confidential consultation.

 

ABOUT THE BLOGGER:

Rudy has the passion, knowledge, and experience helping homeowners to avoid foreclosure; He specializes in complex transactions representing owners in disposition of their assets. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more.

Rudy can be reached online at http://www.TeamNuVision.net   or cell 626-780-2221

 

Free recorded message (talk to NO ONE) 1-888-300-4632, enter ID# 1002

Tags:

Foreclosure Prevention

Real Homeowner Stories: A Miracle in the Form of a Red Envelope

by qinfokusuma 1. April 2013 13:57

For homeowners who are in danger of losing their home to foreclosure, it is common to feel like you are alone and that there is no one to help. This simply isn’t true. There are real people who have been in the same situation who have found solutions. Take, for example, Punipuao W.

Punipuao found herself struggling to keep her home after her husband passed away.  “With only my income, I was no longer able to make my monthly mortgage payment,” she said. Faced with the prospect of losing the home she and her husband had bought together, she began looking for alternatives to help her keep the home.


She pleaded with the bank for relief, “but their responses gave me little information and even less hope.”


The prospect of losing the home she and her husband had shared for over 20 years was difficult. “I was so distraught,” she said. “I did not know where to turn.

“Then, one day, my miracle came through a red envelope in the mail.”

In the envelope was a note from a local real estate agent with the Certified Distressed Property Expert designation (or CDPE). This designation meant that the agent was trained specifically to help people like Punipuao. She called the agent.

“About four hours after I made the call, he was at my door offering help. I told him my story.” In merely two days, she received a call from the bank saying that the president of the bank was reviewing her file. “That was a good sign,” she said.

A few days after that, Punipuao had been approved for a trial loan modification. “There were many tears of gratitude at the miracle that came to me in the form of my agent. I thank god for sending me that miracle.”

Punipuao’s story is just one of many. I have a report entitled “From Foreclosure to Freedom” which tells other stories of real homeowners who faced foreclosure and found relief. Download the report, read the stories, and then contact me for a free, confidential consultation.


RUDY L. KUSUMA

626-780-2221

www.ShortSalePlatinum.com

 

 

Tags:

Foreclosure Prevention

Underwater Homeowners Breathe a Sigh of Relief as Congress Renews Mortgage Debt Relief Act!

by qinfokusuma 2. January 2013 13:55

On January 1, 2013, Congress passed an extension of the Mortgage Forgiveness Debt Relief Act. This extension of this act, which has saved homeowners more than $1 billion dollars in taxes, is great news for struggling homeowners nationwide.

 

The Mortgage Forgiveness Debt Relief Act was originally passed in 2007 to aid the millions of homeowners who suddenly found themselves in danger of losing their homes to foreclosure following the housing market crash.

 

Under the Mortgage Forgiveness Debt Relief Act, any debt forgiven in a short sale, foreclosure, or loan modification, is exempt from federal taxes on primary residences. For homeowners facing foreclosure, this exemption saves them from paying thousands, or even tens of thousands, in taxes on top of losing their homes.

 

Now for another year, homeowners can take advantage of this exemption and avoid foreclosure without the fear of an impossible tax liability.

 

As a Certified Distressed Property Expert (CDPE) agent, I am specially trained to help homeowners escape the threat of foreclosure. If you or someone you know is facing foreclosure, contact me for a private consultation. I can help find a solution.

 

 

RUDY L. KUSUMA, REALTOR®
Certified Distressed Property Expert
California Real Estate Broker Lic# 01820322
www.FreeShortSaleService.com

 

Free recorded message (talk to NO ONE)
1-888-300-4632, enter ID# 1002

 

Tags:

Foreclosure Prevention | Short Sale

Damage Control: Mortgage Relief Act Expires

by qinfokusuma 19. December 2012 14:58

 

After providing more than one billion dollars in tax savings to underwater homeowners, one of the best relief options for those facing foreclosure has been allowed to expire.

The Mortgage Forgiveness Debt Relief Act of 2007 was originally passed to aid the millions of homeowners who suddenly found themselves in danger of losing their homes to foreclosure following the housing market crash.

Under this legislation, any debt forgiven in a short sale, foreclosure, or loan modification, was exempt from federal taxes. With its expiration, however, a homeowner will once again have to report any forgiven mortgage debt as income.

For example, if a $150,000 mortgage loan receives a principle reduction of $25,000, the $25,000 must be reported as income. Similarly, if a house with the same mortgage goes through foreclosure, any amount of the $150,000 remaining after the house is sold at auction is taxable as well.

This tax burden can potentially add up to tens of thousands of dollars out of a distressed homeowner’s nearly-empty pockets.  That’s why it’s now more important than ever to avoid foreclosure and the huge tax liability that comes with cancelled or forgiven mortgage debt.

As a Certified Distressed Property Expert and a licensed real estate broker, I can help.  Contact me now to learn how you can save thousand in taxes and completely eliminate the threat of foreclosure.

Rudy L. Kusuma, REALTOR
California Real Estate Broker Lic# 01820322
wwww.FreeShortSaleService.com

Free recorded message (talk to NO ONE)
1-888-300-4632, enter ID# 1002

 

Tags:

Foreclosure Prevention | Real Estate News | Short Sale

TEAM NUVISION VIDEO

by qinfokusuma 13. November 2012 20:18

Learn How A Short Sale Can Help You Avoid Foreclosure

by qinfokusuma 10. November 2012 11:19

Feeling like there is no other option buy foreclosure can be an overwheling experience. Know that you are not alone! Thousands of homeowners in the Unived States are facing the same challenges as you every single day. Now more than ever before, there are solutions.

 

My name is Rudy L. Kusuma and I have been working with homeowners to avoid foreclosure since 2007. I specialize in complex transactions representing home owners;  In today's real estate market, I have successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more.

 

You need help, guidance, and someone who understands the difficult choices you are facing about your home, your family, and your life. Quite often a homeowner facing a foreclosure thinks they have to go through the process alone, forced into a daunting situation caused by unforeseen circumstances beyond their control. Facing damage to your credit, and the possibility of not being able to purchase another home for up to 7 years can be a tough future to face., but by tapping into the expertise of a knowledgeable real estate professional, there are options available for you.

 

I provide you with information about how to SELL YOUR HOME, avoid forelcosure, determine if you qualify for a short sale and explain the effects a foreclosure or short sale can have on you, your credit and your family. My services are FREE to you! There are NO upfront fees or out-of-pocket expenses. My compensation is approved by your lender.

 

Even if you have NEVER MISSED A PAYMENT and need to SELL YOUR HOME QUICKLY, a short sale may still be an option for you!

 

Please know that all communication will be strictly confidential. I do not represent group of investors or third party negotiators. I am a REALTOR and a licensed calfironia real estate broker, who will market and sell your house DIRECTLY to the end user. I am a Certified Short Sale Specialist and handle all negotiations with your lenders myself. 

 

I help people sell their housesand guide homeowners through the short sale process!

 

Hear Directly from My Satisfied Clients:

 

My Satisfied Clients...Find Out What My Satisfied Clients Are Saying!

 

Proven Experience... Proven Results!

 

Yes it is important to verify the professional abilities of an agent before you hire one to represent you.

 

The only way to guarantee expertise is to hear directly from people who have had personal experience with the agent. Below you'll find several testimonies from clients to whom I have had the pleasure of serving.

 

 

"Rudy helped short sale my investment house in San Bernardino. In the current market condition and difficulty in short selling a house, Rudy managed to do the impossible with my property in San Bernardino. This property is located in as tough a neighborhood as one can imagine, but Rudy managed to skillfully bring all the different players on the same wagon and get the wheels rolling. Top notch negotiation skills with 1st and 2nd lender caving in to our requests and demands. I am not sure any other realtor can do what he just successfully did for my house. He is THE Short Sale Master! Awesome work!" -ISJ, Homeowner & Real Estate Investor, Rancho Cucamonga, CA.- click here for original source link 

 

"The short-sale process can be filled with highs and lows, nail-biting waiting periods and mad dashes for data and documents, along with the full spectrum of emotions. Fortunately, in Rudy you have a business partner who understands all the processes and timelines and who is so committed to customer service that he becomes a friend. Rudy is there to explain, encourage, cajole, and advocate. He never loses sight of the end objective and he will work tirelessly on your behalf. I frankly cannot imagine how I would have gotten through this without him. He is truly remarkable!" - Thomas LaFrance, Eagle Rock, CA. - click here for original source link 

 

"Rudy and his team are very professional, knowledgeable and responsive. He assisted my wife and I selling our rental property through a short sale process. He made us feel secure and confidence going through a process that was foreign to us due to his comprehensive knowledge of the process. He is also very patient and straight forward in explaining everything. He does not try to sugar coat any thing just to get our business. All in al, we are very pleased with the service provided by Rudy and his team."-Steve, Rosemead, CA. - click here for original source link 

 

"I was overseas when a friend recommended Rudy to sell my property that was underwater in value. He worked closely with my friend and gave her all the necessary advice and potential issues I was facing with trying to work with my bank directly for a loan modification. I had applied 4 times for a loan modification and even consulted a home loan modification organization. Rudy stepped in and got my house appraised, listed and approved for the sale price that he felt it would sell for in that area. In all, it took just a few months for Rudy to list and sell the property. Thanks Rudy for a great and wonderful job." -Mr. Rodriguez, Pomona, CA - click here for original source link 

 

Dear Rudy,

I encourage you to share this letter with any prospective clients.

It comes from the heart.

 Dear fellow homeowner:

There are few things more unsettling than finding yourself in the position of having to sell your home before you are ready. Nothing can prepare you for this. Last year I found myself in this situation. I had nowhere to turn and knew no one who had any answers. Perhaps, like you, I found Rudy Kusuma on the internet and I took a chance on him.

I am glad I did.

Rudy was spectacular. Not only did he know what he was doing- he is obviously a specialist in the field of short sales-but he makes you feel as though you were his only client. He answers all your questions, gives you sound advice, communicates clearly, frequently and quickly and is always pleasant.

My short sale nearly fell apart several times. There were several times I fully expected Rudy to call me to say, “I’m sorry, but it’s just not going to happen.”But Rudy worked miracles! I cannot recommend him highly enough!

Thank you, Rudy.

Gerard Babb

Pasadena, CA

- click here for original source link 

 

 

 

 

About:

Rudy L. Kusuma holds a California Real Estate Broker License #01820322. Rudy has the passion, knowledge, and experience helping homeowners to avoid foreclosure; He specializes in complex transactions representing owners in disposition of their assets. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more. You may reach him by telephone at 626-780-2221. His website: www.FreeShortSaleService.com

 

 

 

 

 

Tags:

Foreclosure Prevention | Short Sale | Special Reports - Home Sellers

Banks Offering Unprecedented Cash Incentives to Homeowners in Danger of Losing Homes to Foreclosure.

by qinfokusuma 1. November 2012 13:15

Alhambra, CA - November 1, 2012 – Distressed homeowners in San Gabriel Valley can now take advantage of historically unprecedented cash incentives to sell the home they can’t afford. Because of the unique nature of today’s market, new bank and government programs pay relocation incentives to homeowners who undergo a foreclosure alternative – most commonly short sales.

 

“For the banks, this is a case of simple math,” says Rudy L. Kusuma, Certified Distressed Property Expert and Real Estate Broker with TEAM NUVISION. “The costs incurred in a foreclosure include maintaining the vacant property and advertising the property themselves. Typically, the home sells for less than it does in a short sale.” Because of this disparity, most major banks offer thousands of dollars in order to entice distressed homeowners into proactively seeking a solution.

 

Bank of America, Chase, Citibank and Wells Fargo all offer thousands of dollars in cash incentives, and some amounts can go as high as $30,000. “The great part about this for homeowners is that a short sale often ends up being better on credit reports than a foreclosure, so receiving cash is just a bonus they receive for engaging in a solution that helps them out in the long run,” said Kusuma.

 

As a Certified Distressed Property Expert, Rudy L. Kusuma is knowledgeable of the entire landscape of foreclosure avoidance options and is distinctly qualified to negotiate with banks and help financially strapped homeowners regain peace of mind and a sense of stability for the future.

 

Rudy L. Kusuma has developed a free report entitled “Short Sale Incentives: Why the bank will give you cash to sell the home you can’t afford” that is accessible from his website, www.ShortSalePlatinum.com  

 

About

Rudy specializes in complex transactions representing property owners in disposition of their real estate, and has significant experience in pre-foreclosure sales, short sales, divorce sales, trust, and probate. Rudy has the passion, knowledge, and experience helping homeowners to avoid foreclosure. In today's real estate market, he has successfully negotiated more than $30 million of distressed sales with lenders nationwide, including Bank of America, Wachovia, Wells Fargo, Citi Mortgage, CHASE, Bank of The West, East West Bank, HSBC, and many more.

 

Rudy may be contacted by telephone at 626-780-2221

 

Tags:

Foreclosure Prevention | Mortgage Modification | Short Sale | Special Reports - Home Sellers

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