California Helps Struggling Homeowners

The federal plans to assist homeowners who are facing foreclosure or are underwater with their mortgages, specifically the Home Affordability Modification Program (HAMP) have not lived up to promises. States are  now realizing that it is up to … [Read more...]

Do Loan Modifications Raise Debt?

Could it be that loan modifications are actually raising debt? I read a short article today by Dean Calbreath in the San Diego Union Tribune that stated yes, they are. Mr.Calbreath points out that more foreclosures could be prevented if, instead of … [Read more...]

Does Lower FICO Score = Lender Loan Discrimination?

Could it be that lenders are discriminating against you if your FICO score is at the lower end of the required range for granting a loan? It could very well be. A series of federal lawsuits is about to be filed, claiming that lenders are purposefully … [Read more...]

Understanding the Foreclosure Halt

In response to numerous questions I have received lately regarding the foreclosure moratorium I thought it would be helpful to explain what exactly is going on, what it means and how it may or may not help you, the homeowner , seller or buyer. This … [Read more...]

Free Distressed Homeowner Workshop Thursday

If you are underwater with your mortgage or are facing circumstances that may effect your ability to pay in the future, there is a workshop this Thursday that is just for you. This free workshop will be held at the San Diego Convention Center from 1 … [Read more...]

Will the Next New Loan Modification Program Help YOU?

There is a new loan modification program in the works, and it promises to help struggling homeowners despite income level, credit history or loan to value ratio. Sound too good to be true? The new program plans to allow for 30-year fixed rate … [Read more...]

California May Help YOU Keep Your Home

If you are a Californian and you are having difficulties with your mortgage, you may be in luck. Starting November 1 a new program entitled Keep Your Home will go  into effect. The program offers principal reductions (essentially loan … [Read more...]

California Rejects New Foreclosure Law

In what would have been the biggest life preserver to distressed homeowners, the California Assembly rejected SB 1275 Monday, a bill that would have protected homeowners from foreclosures unless the lenders considered them for loan modifications … [Read more...]

Loan Modification Program Faces Trouble

Although a great idea in the inception and complete with government blessings, HAMP (Home Affordable Modification Program) is not delivering on it's promises. Not only are troubled homeowners not getting modifications anywhere near the predicted … [Read more...]

New FHA Program to Help Underwater Borrowers

The FHA Short Refinance Program, scheduled for release September 7,  is the latest in the arsenal of programs created to help underwater borrowers. The program will allow borrowers to refinance into a more secure mortgage that reflects current … [Read more...]

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