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Short Sales

San Jose Ca Mortgage Modification Red Flags

“People facing foreclosure should avoid any company or individual that requires a fee in advance, guarantees to stop a foreclosure or modify a loan, or advises the homeowner to stop paying the mortgage company.”  Federal Trade Commission http://www.ftc.gov/ops/2009/07/loanlies.shtm

Always avoid offers to modify your mortgage in exchange for upfront fees. No one should expect payment for mortgage modification services other than commission fees after the modification has been completed.  Do not pay for the promise of results … pay only for the results themselves.
Be suspicious of anyone who guarantees you a mortgage modification. Any legitimate agent or servicer should know that the mortgage modification process is complicated and dependant on many factors, and that to guarantee a successful modification is unrealistic. Fraudulent parties will make this promise to falsely raise your hopes, making them appear as though they are providing a rate opportunity. As common sense suggests, if it sounds too good to be true, it usually is.
Certain frauds present themselves as government agencies or other authoritative entities by creating websites with official-looking seals, official-sounding names, or video clips of politicians. If someone claims to represent the government, a lending institution or a bank, be sure to verify his or her affiliation. The best way to do this is to check with your lender, Better Business Bureau, or the government’s official Making Home Affordable website (http://makinghomeaffordable.gov).
Beware of people who pressure you to sign papers immediately, or who try to convince you that the can “save” your home if you sign or transfer over the deed to your property. This may be called “taking over your property subject-to existing financing.” But no matter what you are told about why you should sign over the deed, understand […]

KD Realty
456 Colony Knoll Dr San JoseCA95123 USA 
 • 408-972-1822

San Jose Ca Mortgage Modifications – Avoid Scams

Only a select few homeowners facing the possibility of a San Jose Ca foreclosure actually qualify for a mortgage modification.
Most distressed San Jose Ca homeowners are so far behind on their mortgages that they can’t make their modified payments during the trial period. This means the modifications never become permanent. With so many homeowners shopping for a successful mortgage modification … and so few who actually qualify for a modification … there are massive numbers of struggling homeowners who are susceptible to false promises.
Government Involvement
The Obama administration has brought increased attention to mortgage modifications as an alternative to foreclosure. Among the range of foreclosure avoidance options, a mortgage modification can work for distressed homeowners who can afford an adjustment to their monthly mortgage payments.
The federal government has offered incentives for modifications through the Home Affordable Modification Program (HAMP). Many lenders are now responding to the incentives by adjusting their policies on foreclosure avoidance.
Homeowners are not the only ones looking to benefit from the market-wide push to increase mortgage modifications. Scammers and con artists have come up with new and innovative schemes to benefit from vulnerable homeowners.  Since 2008, mortgage modification scams have been on the rise, and that rise is expected to continue.
“The FBI is investigating more than 2,100 mortgage cases, up almost 400 percent from five years ago.” US Attorney General, Eric Holder in 2009  http://www.justice.gov/ag/speeches/2009/ag-speech-090406.html
Scammers are all around us. Don’t let a scammer fool you, or someone you know, into an even worse financial situation by a predatory mortgage scheme.  If you have questions about avoiding mortgage scams, or if you need legitimate, professional help with avoiding foreclosure, know that real help is available!
Call Certified San Jose Short Sale Specialist, Kathleen Daniels […]

Cambrian Park Listing: 1788 Albert Avenue San Jose, CA 95124

This listing is sold!
Contact me for current listings.

Cambrian Park Home for Sale

Overview
Maps
Photos
Description
Open House
Market Stats

$439,000

Single Family Home
For Sale

Main Features

3 Bedrooms
2 Bathrooms
Interior: 1105 sqft
Lot: 6,970 sqft

Location

1788 Albert Avenue
San Jose, CA 95124

Kathleen Daniels, CDPE
Intero Real Estate
(408) 972-1822
Kathleen@ExclusiveSanJoseHomes.com
http://www.ExclusiveSanJoseHomes.com Listed by: Intero Real Estate – Kathleen Daniels

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First Steps To Avoid Foreclosure

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make informed decisions that may result in a better outcome.
You are not alone. Millions of homeowners nationwide are having trouble paying their mortgage. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.
If you live in San Jose Ca or anywhere in Silicon Valley, I am here to help.
It does not matter where in this great nation you live I will find someone in your area to help.
Helping someone avoid foreclosure is a priceless gift.
Receive a Free report at San Jose Short Sale Specialist
KD Realty

Copyright © 2010, All Rights Reserved by Kathleen Daniels, CDPE *First Steps To Avoid Foreclosure*

Almaden Valley Townhome: 10/19/2009

Almaden Valley Townhome for Sale

Overview
Maps
Photos
Description
Neighborhood
Market Stats

$513,000

Condominium
For Sale

Main Features

2 Bedrooms
2 Bathrooms
1 Partial Bathroom
Interior: 1628 sqft
Lot: 1,742 sqft

Location

1108 Trevino Terrace
San Jose, CA 95120

Kathleen Daniels, CDPE
Intero Real Estate
(408) 972-1822
Kathleen@ExclusiveSanJoseHomes.com

http://www.ExclusiveSanJoseHomes.com

Listed by: Intero Real Estate – Kathleen Daniels

Our recent listings
Almaden Valley Townhome for Sale
Blossom Valley San Jose Home for Sale
 

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