About Imperial County, CA

I recently received the following question on http://www.trulia.com

The question is from:
"Sandra", who asks..."Is it difficult to do a modification on my mortgage loan - first & second loan?"

My answer is posted below:

Good evening Sandra, thank you for posting your questions on http://www.trulia.com

My name is Frederic and I'm located in Imperial County CA and can answer your questions regarding a loan modification.

Why are you asking if it's difficult to complete a loan modification, have you attempted to contact your lender? Have you been given false information from another source?

The news is full of stories regarding loan modifications, most of them, unfortunately are false. Even the Obama FDIC "Making Home Affordable Plan" was bold in proclaiming, "if you have to pay, walk away".

As a REALTOR(r) with a background in consumer and mortgage finance, I was shocked by the claims I was hearing from our own Government. Frankly, I believe it is irresponsible for the government to make such comments. When did it become a bad idea for a company to offer assistance for a fee?

I work with a loan modification firm that can assist you modify your mortgage(s), both the first and second.

As a matter of making sure they are working with a transaction that will be successful, they have a prescreening process to preview your case before you begin and pay any fees.

Contact me and I'll help you complete the prescreening process and will forward to our paralegals for review.

There are many things that consumers can do for themselves in the spirit of self-help, such as fixing your own car, representing yourself in court, even performing your own medical procedures, however just because "we can" does not mean it's always the best idea or in our best interest.

A Loan Modification is such an item in which the consumer needs professional representation. Your bank or lender is not your friend and they are not on your side. They want you to keep paying your mortgage and while they may seem as if they're trying to assist you, more times than not, they are only looking out for their own pocket book. You need experienced representatives who will fight for you in modifying your mortgage(s).

Do you need proof? US Congresswoman Maxine Waters (D - Los Angeles, CA) learned first hand what consumers go through when trying to modify their mortgage on their own as captured in this ABC News video: http://abcnews.go.com/video/playerIndex?id=6704983

How about these homeowners who were told to call their lenders for assistance, listen to their stories on this CNN video: http://www.cnn.com/2009/LIVING/04/15/foreclosure.phones/index.html#cnnSTCVideo

On March 11, 2009 I wrote a blog article entitled "Obama's FDIC Plan Hurts Homeowners who Need Help", you can read the entire article here: http://blog.imperialvalleyreo.com/?p=227

Hopefully this information will help you and others in the same situation as you.

Don't delay, act now - call today.

Sincerely,
Frederic Din, REALTOR(R)
EXIT Stepping Stone Realty
IVForeclosures.com
info@ivforeclosures
760-344-5363
619-241-4415

http://ivforeclosures.com
http://imperialvalleyreo.com
http://blog.imperialvalleyreo.com
http://youtube.com/ivforeclosures
http://twitter.com/ivforeclosures
http://activerain.com/blogs/ivforeclosures

Your OCTO-REALTOR is here to assist you in the Imperial Valley with his arms ready to help you accomplish your home buying, home selling, or loan modification goals.

Here is what OCTO-REALTOR can do to help you:

1) Represent home Sellers who owe more than their home is worth, OCTO-REALTOR will help you negotiate a SHORT SALE. The Short Sale will help protect and preserve your credit history and credit report!

2) Represent home Owners who want to keep their home, OCTO-REALTOR will help you with a LOAN MODIFICATION. Do you live in the home you need lower monthly payments? Do you have an Adjustable Rate Mortgage (ARM)? Do you have two mortgages? Do you have a Balloon loan that is coming due? A LOAN MODIFICATION will help you lower your monthly payment and stabilize your interest rate.

3) Represents home Buyers who are looking for a good deal on foreclosures, bank owned, REO, and short sale real estate, OCTO-REALTOR will help you find your dream HOME. Did you get passed by when the housing boom sent prices through the roof? Were you left wondering how your neighbor was able to afford the big house and the fancy cars? I can help you find the right home at the right price and buy it with a long terms fixed rate mortgage to keep your monthly payments low. Prices are LOW and Mortgage rates are LOW...Obama says "buy a car", your OCTO-REALTOR says "buy a HOME"!

4) Represent home Sellers who have equity in their home, OCTO-REALTOR can help you put a plan together to get the most for your home sale dollar in today's market by making subtle changes to your home. You don't need to compete with the foreclosures, bank owned, REO, or short sale properties to sell in today's market, simply make your home attractive to buyers who want "move-in-ready" for a Market Sale.

5) Represents First Time Home Buyers, OCTO-REALTOR will help guide you through each step of the home buying process. Your OCTO-REALTOR has an extensive mortgage financing background and can help you review home financing options to fit your finances and budget.

6) Represents Investor Buyers, OCTO-REALTOR will help you find properties that make good rental prospects and provide assistance with cash-flow analysis. Need property management? No problem, your OCTO-REALTOR works with the best property managers in Imperial Valley.

7) Assists future home buyers improve their credit history, OCTO-REALTOR has relationships and works with credit and collection attorney's to help my clients improve their credit histories on their terms. Plans for credit history improvement vary based upon the items found on the credit report, however average FICO score increases are as much as 70 points or more in 60 days.

8) Your OCTO-REALTOR is Tech Friendly and Savvy! OCTO-REALTOR uses cutting edge technology to help home buyers see homes through real time video, not just a slide show set to music or still pictures. OCTO-REALTOR is in tune with the Housing Market as your OCTO-REALTOR analyzes and shows dozens of homes a week. Your OCTO-REALTOR is in tune with the internet market by writing timely articles, blog posts, and provides informative real estate content to local news sites, news papers, and internet blogs covering everything about Imperial Valley real estate.

No other real estate agent even comes close...

If you are looking to BUY a home or SELL a home in Imperial Valley, don't hesitate to CONTACT your OCTO-REALTOR today.

If you are concerned about your mortgage payments rising, talk to me about a LOAN MODIFICATION.

Also, if you know OTHERS who would like to BUY, SELL, or MODIFY please keep the OCTO-REALTOR information handy and pass this article along.

You can reach the OCTO-REALTOR at info@ivforeclosures.com or simply go to www.IVForeclosures.com for a current list of homes for sale. These homes may be foreclosures, bank owned, REO, short sale, or a regular market sale, and many homes provide a tremendous real estate opportunity.

Comments? Please let OCTO-REALTOR know how he can help you!

Thank you,
OCTO-REALTOR

Your OCTO-REALTOR is here to assist you in the Imperial Valley with his arms ready to help you accomplish your home buying, home selling, or loan modification goals.

Here is what OCTO-REALTOR can do to help you:

1) Represent home Sellers who owe more than their home is worth, OCTO-REALTOR will help you negotiate a SHORT SALE. The Short Sale will help protect and preserve your credit history and credit report!

2) Represent home Owners who want to keep their home, OCTO-REALTOR will help you with a LOAN MODIFICATION. Do you live in the home you need lower monthly payments? Do you have an Adjustable Rate Mortgage (ARM)? Do you have two mortgages? Do you have a Balloon loan that is coming due? A LOAN MODIFICATION will help you lower your monthly payment and stabilize your interest rate.

3) Represents home Buyers who are looking for a good deal on foreclosures, bank owned, REO, and short sale real estate, OCTO-REALTOR will help you find your dream HOME. Did you get passed by when the housing boom sent prices through the roof? Were you left wondering how your neighbor was able to afford the big house and the fancy cars? I can help you find the right home at the right price and buy it with a long terms fixed rate mortgage to keep your monthly payments low. Prices are LOW and Mortgage rates are LOW...Obama says "buy a car", your OCTO-REALTOR says "buy a HOME"!

4) Represent home Sellers who have equity in their home, OCTO-REALTOR can help you put a plan together to get the most for your home sale dollar in today's market by making subtle changes to your home. You don't need to compete with the foreclosures, bank owned, REO, or short sale properties to sell in today's market, simply make your home attractive to buyers who want "move-in-ready" for a Market Sale.

5) Represents First Time Home Buyers, OCTO-REALTOR will help guide you through each step of the home buying process. Your OCTO-REALTOR has an extensive mortgage financing background and can help you review home financing options to fit your finances and budget.

6) Represents Investor Buyers, OCTO-REALTOR will help you find properties that make good rental prospects and provide assistance with cash-flow analysis. Need property management? No problem, your OCTO-REALTOR works with the best property managers in Imperial Valley.

7) Assists future home buyers improve their credit history, OCTO-REALTOR has relationships and works with credit and collection attorney's to help my clients improve their credit histories on their terms. Plans for credit history improvement vary based upon the items found on the credit report, however average FICO score increases are as much as 70 points or more in 60 days.

8) Your OCTO-REALTOR is Tech Friendly and Savvy! OCTO-REALTOR uses cutting edge technology to help home buyers see homes through real time video, not just a slide show set to music or still pictures. OCTO-REALTOR is in tune with the Housing Market as your OCTO-REALTOR analyzes and shows dozens of homes a week. Your OCTO-REALTOR is in tune with the internet market by writing timely articles, blog posts, and provides informative real estate content to local news sites, news papers, and internet blogs covering everything about Imperial Valley real estate.

No other real estate agent even comes close...

If you are looking to BUY a home or SELL a home in Imperial Valley, don't hesitate to CONTACT your OCTO-REALTOR today.

If you are concerned about your mortgage payments rising, talk to me about a LOAN MODIFICATION.

Also, if you know OTHERS who would like to BUY, SELL, or MODIFY please keep the OCTO-REALTOR information handy and pass this article along.

You can reach the OCTO-REALTOR at info@ivforeclosures.com or simply go to www.IVForeclosures.com for a current list of homes for sale. These homes may be foreclosures, bank owned, REO, short sale, or a regular market sale, and many homes provide a tremendous real estate opportunity.

Comments? Please let OCTO-REALTOR know how he can help you!

Thank you,
OCTO-REALTOR

I took a long drive Saturday around Southern California in search of places I have never been. Around 650 miles in 14 hours, and yes I stopped many different places to take photographs, etc.

I went to Big Bear Lake, Lake Arrowhead, Salton Sea and Glamis Sand Dunes. I have never been to one of these places I have mentioned and will post blogs about most of them in the next few weeks.

One place though that really took me by surprise was the Salton Sea. Most of my life I have heard so many different stories about the Salton Sea, that it's ugly, dead fish floating on shore, closed businesses/ homes, etc - etc.

There are quite a few businesses that are closed up and not to many places to shop, gas up your car or eat.

When I first arrived at the Salton Sea and went down to the beach, I thought to myself what happened to this place? So many buildings broken and closed up it was very strange at first. Then I turned away from the buildings and was looking at the beauty of the lake and the wildlife around it.

There were many different species of birds flying around and swimming, I could have spent days there just watching the birds.

The temperature was 85 degrees with a little wind, it was very comfortable!

The Lake was so big that when you went down to the Shore and looked out there was a feeling on loneliness, like a place someone hard forgotten.

I will be going there again soon before temperatures get to hot, pitch a tent and take some more photographs of my new friends.

Photograph taken by: Robert Swetz at the Salton Sea - California 3-21-3009: duplicating in any form is in violation of copyright infringement and subject to fines.

Please look at my new web site on photography www.SearchMyPics.com

Real Estate www.VegasBuildingsForSale.com

Real Estate www.LakeOwner.com

There is a huge sand dunes park in Glamis - Southern California where everything is wide open, you can see for hundreds of miles.

Glamis is very close to the Mexican Border, Arizona & around 40 miles South East of Salton Sea.

This sunset photograph was taken only minutes from Glamis California and there are another 20-30 other pics to go with this one. The photos are all different and unique in there own way.

I will be going back to Glamis when I have more time and spend a day & night and photograph the sand dunes & activities that go on around there.

Vegas Bob

Photograph taken by: Robert Swetz in Glamis California 3-21-3009: duplicating in any form is in violation of copyright infringement and subject to fines.

Please look at my new web site on photography www.SearchMyPics.com

Real Estate www.VegasBuildingsForSale.com

Real Estate www.LakeOwner.com