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...]

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...]

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...]

The Latest Mortgage Modification Assistance News…

Fannie Mae and Freddie Mac are instituting two new programs to help struggling homeowners with their quest to get modifications. Freddie Mac claims to have helped 250,000 homeowners with loan modifications to date, so the time is better than ever to … [Read more...]

Carlsbad City Council Accepts Community Vision

On Tuesday, January 12  the Carlsbad City Council was presented the Community Vision. This is a plan for the future of Carlsbad and focuses on growth, sustainability, preservation and future planning. It is a very positive step in the collaboration … [Read more...]

What's New in Carlsbad?

There are a lot of new and exciting things planned for Carlsbad in the coming year. Here is a sample of those that are currently in the planning stages or are new projects. Legoland Expansion:  As if the recently added Sea Life Aquarium was not … [Read more...]

Are you a Bad Person if you Walk Away from Your Mortgage?

If you "walk away" from your mortgage are you a bad person? The answer is "no," as long as you  have examined all possible options and know the consequences of doing so beforehand. The idea behind walking away is to file paperwork with the lender … [Read more...]

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