Angels Camp, CA

JUMPING FROG CONTEST OF CALAVERAS COUNTY

JUMPING FROG CONTEST OF CALAVERAS COUNTY Our neighbors across the street "jump frogs' as they put it. That means they participate in the Jumping Frog Contest of Calaveras County. The family is now in Angels Camp jumping their frogs. They have been participating in the jumping frog contests for years.

And every year our neighborhood gets a chance to participate vicariously . The family buys their frogs two weeks in advance of the contest. During the two weeks they test their frogs to be sure they are good candidates for the real contest. They test their frogs in the middle of the street. And all the neighbors, kids and passersby stop and watch for awhile. Its fun for the whole neighborhood.

The contest is going on now in Angels Camp. It is held from May 20 to May 22, 2011. "Frogtown" is nestled between Yosemite and Lake Tahoe. It is south of Historic Angels Camp and north of Sonora on Hwy 49. The frog jump began in 1928 in downtown Angels Camp. Over 2000 participants will jump frogs in the contest this year and over 35,000 people will visit to watch the frogs.

In 1865 Mark Twain (Samuel I. Clemmens) wrote the "Celebrated Jumping Frog of Calaveras County" a tall tale of the happenings of the gold rush town, Angels Camp.

The neighbors have won many prizes since they have been participating in the contest. It sounds like a fun event which we will have to see sometimes. Good luck to my neighbors. Hope they will again.

[caption id="attachment_1149" align="alignright" width="283" caption="Yes, you can Short Sale and buy another home."][/caption] Angels Camp [state(acronym) – We get this question a lot from people. “I am upside down and need to move. I would like to buy another home. Can I do that?” they ask us. Today they can. FHA (the Federal Housing Administration) has a new program that enables you to short sale your existing home and buy a new home at today’s reduced prices. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The home you purchase would have to meet FHA’s standard lending guidelines. FHA is a great mortgage program. In fact, more people buying a home in today’s market are getting an FHA loan. Here is what you would need to do to participate in the program: 1. Determine if you qualify to participate in the program. We have been told that you will need the following. (Guidelines can change at any time, so make sure you check them with a Mortgage Professional familiar with the program.) A. A 640 FICO credit score or better. B. You must be current on all installment payments and your mortgage. C. No bankruptcy or foreclosure on your credit in the last 7 years. D. The home you are purchasing must be inferior to the one you are selling. I don’t know the exact guidelines, but I think it means it is a smaller home, or it has less bedrooms or a lower price. E. You will need the 3.5% down payment for the new purchase. 2. Continue making your mortgage payments each month. 3. Talk to a Mortgage Professional and fill out FHA’s Short Sale and Buy Application. 4. Get pre-approved for your next home loan. 5. Put your home on the market with a licensed short sale realtor. 6. Once the short sale is approved, then you can start looking at other homes. 7. Close on selling your home and on purchasing the new property. Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at danseider@gmail.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (209) 743-1061 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our Angels Camp loan modification kit has the instructions you will need to get a loan modification approved with your bank. Click here to request a copy. Thanks for reading this, Daniel Seider. Daniel is a Real Estate Broker at Big Trees Real Estate. Modesto Short Sales Realtor: Phone: (209) 743-1061. danseider@gmail.com. Climb Higher View My homes for sale at www.bigtreesrealty.com. Daniel Seider specializes in loan modification assistance and short sales in Angels Camp California. Angels Camp Loan Modification Help, Angels Camp Short Sales, Angels Camp Short Sale Realtor. Short Sale Realtor. Angels Camp CA Short Sales. Angels Camp Realtor.

[caption id="attachment_1121" align="alignright" width="284" caption="Pay Up Or Else!"][/caption] Angels Camp CA - Maybe this is a pet peeve of mine. Or maybe it just seems ridiculous that someone would call a debtor over and over again asking to be paid, when they have already been told the debtor doesn't have the money to pay them. Or maybe it is the fact that I see countless examples of debt collectors breaking the Fair Debt Collection Practices Act. But, no one seems to care that they are breaking the law. The Fair Debt Collection Practices Act forbids collectors from threatening to sue you, but then not following thru and actually filing suit. To get around this rule, they will use language that sounds legal, but isn't. In one situation, a debt collection firm in Buffalo, New York named their firm Hoffman, Weinberg & O'Brien to make it sound like they were a law firm. They would then leave messages on people's answering machines. They would say they were with the office of Hoffman, Weinberg & O'Brien and then say they may resort to future legal action. Or they would say they were calling about a pre-legal matter. In addition, they would reference case number 8306042. If you didn't know any better, you would think the case number was for an actual lawsuit against you. Scary, right? In addition, if a debtor tells them not to call anymore, then they are supposed to stop calling. They just keep on calling anyways. This is another example of them not obeying the law per the Fair Debt Collection Practices Act? I allege that they willingly and knowingly break the law repeatedly. This is why we put Number Seven onto the Homeowner's Bill of Rights: 7. Stop the Debt Collector Harassment! The right to tell any and all debt collectors to stop calling and never receive a phone call from then again. In addition, this would include debt collectors that know the person's phone number, but will call family members in an attempt to embarrass the debtor. This is America people! Debtor's prison was abolished two centuries ago! It's time to update your activities to the Twenty-First Century! Or take another example. A homeowner has never made a late payment in their entire life. They lose their job and find one in another state. The move, try to rent out their house, but can't afford the payments. They get behind on their mortgage payment and credit cards. They enter the world of non-stop harassment. Debt collectors call them non-stop. These people aren't deadbeats. They are just struggling at the moment. They won't stop calling even when the debtor asks them to stop. They would pay if they had the money. But they don't have it. But, the people won't stop calling. The constant phone calls make their home life miserable. Don't you think it has gone too far? I do. That's why we need a Homeowner's Bill Of Rights. Stop the debt collector harassment. What do you think? Please put your comments below. Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at danseider@gmail.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail. If you prefer, then you can call me at (209) 743-1061. Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our Angels Camp Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy. Thanks for reading this, Daniel Seider. Daniel is a Real Estate Broker at Big Trees Real Estate. Phone: (209) 743-1061. danseider@gmail.com. Climb Higher View My homes for sale at www.bigtreesrealty.com. Daniel Seider specializes in loan modification assistance and short sales in Angels Camp California. Angels Camp Loan Modification Help, Angels Camp Short Sales, Angels Camp Short Sale Realtor. Short Sale Realtor. Angels Camp CA Short Sales. Angels Camp Realtor. Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Daniel Seider's personal views and do not reflect the views of Big Trees Real Estate. This information on Angels Camp Short Sales: Attn: Bankers. Stop harassing Americans for money they don't have is provided as a courtesy to our viewers to help them make informed decisions.

Angels Camp CA - Most people think the person they mail their mortgage payment to every month is the owner of their loan. Not so. In fact, most of the time, they are not the owner. As an example, 80% of all loans that Bank of America handles are not owned by Bank of America. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The largest owners of US mortgages are two companies that some would allege are owned by Uncle Sam. They are Fannie Mae and Freddie Mac. They own an estimated 55-60% of all US Mortgages. Another estimated 10-15% are insured by Uncle Sam as well, thru the FHA and VA loan guarantee programs. Another estimated 10-15% are owned by Wall Street Firms, Pension Funds, and other entities. That means the company you mail your check to every month is essentially a hired gun. They are paid to collect payments, handle accounting and escrows, collect on delinquent accounts, and act as the front person for the owner of the loan. They forward the money received to the lender, minus a small fee to themselves. This small fee on thousands of mortgages means they are paid very well. In fact, the business is so profitable that IBM Computers opened a subsidiary loan servicing company. Now that I have laid the groundwork, let me explain how the loan servicing companies have worked against the loan owners best interest. Acting as a servicer puts them close to the legal equivalent of a trustee. This means they can do whatever they want to, right? No. Let me explain. See, a trustee has a fiduciary duty to whoever they represent. They are required to act in their client’s best interest. If they do not do this, then they can be legally liable for any loss their loan owner incurs as a result of the trustee’s negligence. Just as real estate agents are required to act in their client’s best interest, loan servicers are also required to act in their client’s best interest. Let’s say an agent listed a house and double sided it to a buyer for 200k. A 225k offer came in earlier, but the agent never presented it to the seller. Do you think the seller would be angry? Of course they would be. Or, let’s say you managed an apartment community. You only had a leasing person on site one day a week. You did this to save money. As a result the apartment complex only leased half of their apartments for the next year. You caused them to lose half of their year’s rents. Would that apartment manager be unhappy? You bet they would be. The loan servicers are doing the same thing. Here are a few examples of them breaching their fiduciary duty to their clients. Example #1: Not giving buyers an answer on a short sale within a reasonable time period. Loan servicers should help their investors recoup as much money as possible from short sales. Example #2: Turning down loan mods that amortize at a higher value than what is netted on a short sale or thru REO. Let me explain in a little more detail. A homeowner had a reduction in income and can’t afford his original mortgage payment. The borrower has a stable income and agrees to pay $1,000 a month for the next 30 years. $1,000 a month for 30 years, at a 6.5% interest rate will repay a $158,210 mortgage. The loan servicer turns down the loan mod and forecloses. The house sells for $125,000 as an REO and the servicer nets $115,000. Did the loan owner lose money? I think most people would agree that they did. Obviously there are other factors involved, but I think they would have done better if they had approved the homeowner’s offer. Example #3: Not listing foreclosed properties quickly enough. I have witnessed several examples of banks foreclosing on a house and then taking 6 months to a year to put it up for sale. As an example, there was a house foreclosed on September 9th, 2009. It was finally listed for sale 7 months later, in May 2010. Say what you want, but waiting 7 months to put a property on the market is pathetic. If the mortgage holder had been an individual, do you think they would have listed the house a little faster than 7 months? Thinking about a loan modification? Our Angels Camp Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy. Thanks for reading this, Daniel Seider. Daniel is a Real Estate Daniel Seider at Big Trees Real Estate. Phone: (209) 743-1061. danseider@gmail.com. Climb Higher View My homes for sale at www.bigtreesrealty.com. Daniel Seider specializes in loan modification assistance and short sales in Modesto California. Modesto Loan Modification Help, Angels Camp Short Sales, Angels Camp Short Sale Realtor. Short Sale Realtor. Angels Camp CA Short Sales. Angels Camp Realtor. Copyright 2010 SFI Marketing Institute, LLC. All Rights Reserved. This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing. The views expressed here are Daniel Seider's personal views and do not reflect the views of Big Trees Real Estate. This information on Modesto Short Sales: A Few Examples of Loan Servicers Not Doing Their Job is provided as a courtesy to our viewers to help them make informed decisions.

Angels Camp CA - I'm sure you have heard about forensic loan audits. I've heard people say how wonderful they are. "Your lender will approve your short sale right away", claims one. Discover how other sellers successfully did a short sale and request a free consultation by clicking here. An agent told me a story about forensic loan audits. He worked with a woman who was trying to short sales 3 houses. He knew they were short sales and was glad to list them for sale. There was a guy involved who was supposed to be doing all the "negotiating" with the lender. Little did this agent know this guy was trying to flip the houses. This guy had a forensic loan audit done. He claims he paid foreclosure defense lawyers out of his own pocket. He did all this stuff in an attempt to force the lender to approve the short sale. The only problem was the lender didn't care. The short sale negotiators at the lender were not going to approve the short sale offers so this guy could resell the home for a profit. "We know this guy is trying to flip the house. We won't approve the short sale as long as he is doing that", they said. This was despite the claims that some have made that a forensic loan audit will have lenders trip over themselves to approve the short sale. Please consider this story before you spend $800 to $1,000 on a “Forensic Loan Audit.” I am in the business and talk to homeowners facing foreclosure every day. I have only heard a few stories where a “forensic loan audit” made a difference to the lender. I’m not saying that they don’t work. I just want to warn you to check them out before spending big bucks for one. Thinking about a short sale? I can help you short sale your property and never pay the bank another penny. Send me an e-mail at danseider@gmail.com. I will contact you for a free consultation. When we talk, I will explain how the process works in detail. If you prefer, then you can call me at (209) 743-1061. Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our Angels Camp Loan Modification Kit has the instructions you will need to get a loan modification approved with your lender. Click here to request a copy. Thanks for reading this, Daniel Seider. Daniel is a Real Estate Broker at Big Trees Real Estate. Phone: (209) 743-1061. danseider@gmail.com. Climb Higher View My homes for sale at www.bigtreesrealty.com. Daniel Seider specializes in loan modification assistance and short sales in Angels Camp California. Angels Camp Loan Modification Help, Angels Camp Short Sales, Angels Camp Short Sale Realtor. Short Sale Realtor. Angels Camp CA Short Sales. Angels Camp Realtor.