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About Imperial County, CA

Welcome to Imperial, California

Frederic Din ~ Imperial Valley Real Estate Agent: Real Estate Agent in Brawley, CA

Imperial is truly the center of Imperial County!

Imperial map

(Thank you to the City of Imperial and Imperial Chamber of Commerce for providing this information)

History and Facts

The City of Imperial is located in the Southern desert of California.

Conveniently, the City of Imperial is located between major cities of California, Arizona and Mexico

State Route 111, which passes to the east of City of Imperial, is a major North, South corridor for the Nafta shipping and travel route to the Calexico Port of Entry at the U.S./Mexican International border. In the near future it will also connect to the Brawley, California bypass, Sr-86, and Interstate 10 to Los Angeles.

SR-111 is currently being upgraded from a 2-lane conventional highway to a 4-lane divided expressway.

Approximately 8,000 to 12,000 vehicles per day currently travel various sections of SR-111. Traffic is projected to double during the next 20 years due to residential and commercial developments.

The City of Imperial is a centralized location for business in the Imperial Valley. For more information about Imperial contact me at http://www.IVForeclosures.com/

The City of Imperial is truly the center of Imperial Valley. Imperial Valley cordially invites you to share in our vast wealth of recreational living and unlimited business opportunities in this land of sunshine and clean air.

Imperial Valley is situated in the southeast corner of California. It is noted for its sunny climate and almost unbelievable agricultural productivity. The City of Imperial is the center of activities in this unique area of sun, sand and splendor of Western living. The city's central location in the Imperial Valley and proximity to Mexico makes Imperial and ideal location for industry, and business services.

Nearby recreation facilities satisfy the whim of all, from the desert rat to the most fastidious golfer. The sand dunes provide a Mecca for campers and dune buggy enthusiasts. Mexicali, Mexico, offers quaint souvenir shops and native restaurants. Salton Sea affords excellent fishing. The vicinity abounds in dove, quail, ducks, pheasant and geese for the hunter. Three beautiful, year-round golf courses are within minutes of Imperial.

Imperial is noted for its friendly atmosphere and active community spirit. Excellent schools, with the Imperial Valley College four miles east, and churches of all enominations enhance the cultural status.

Home of...

  • Imperial Valley College
  • Pioneers Museum
  • Imperial Irrigation District
  • Imperial Valley Expo
  • Imperial County Airport
  • California Mid-Winter Fair
  • Imperial's Sweet Onion Festival
  • The only drive in movie theater in the Valley

The California Mid-Winter Fairgrounds, located in the heart of Imperial, host the Imperial County's largest event, the ten-day fair held in February or March of each year. The Fairgrounds are the playground for many festivals, barbecues, car races, concerts, trade shows, and private parties held throughout the year.

The Imperial County Airport, located in Imperial, meets the General Aviation, Air Transportation, and Air Freight and Cargo needs of the entire Imperial Valley. Airline services is also available with connecting flights to over 270 cities world wide.

Imperial is the headquarters for the Imperial Irrigation District (IID), the sixth largest power utility in California and one of the largest irrigation districts in the world. IID provides jobs for more than 1,100 people, services irrigation water to nearly 500,000 acres of fertile farmland, and generates and distributes electricity to a 6,741 square mile area.

New construction appears throughout Imperial, including several new housing developments. Shopping strips emerge and expand. The Imperial Industrial Park consisting of 70 acres with 125,000 feet of occupied office, industrial and warehouse space continues to grow. Tenants include maquiladora, government, education, food wholesale, and other.

Imperial is a city of firsts. It was officially designated as a town site in 1902. This designation was then followed by the first chamber of commerce in 1903, first hotel, first school, first church, first source of supplies for farmers, and first printing press in the Imperial Valley.

The twenty-first century finds an aggressive transition taking place from a rural city supporting agricultural businesses to a growing urban city incorporating light industry, housing and shopping centers. While urbanization looms on the horizon, agriculture is still the staple of life in Imperial. A blend of city and country life styles appear to be the keys to Imperial's future.

For more information about this great community, contact me today http://www.IVForeclosures.com

Welcome to El Centro, California

Frederic Din ~ Imperial Valley Real Estate Agent: Real Estate Agent in Brawley, CA

El Centro or "the center" is the county seat for Imperial County, California.



Click for El Centro, California Forecast

Hottest cities for entrepreneurs" by Inc. Magazine (May 2006). The only California city in the group of the Top 20 category boasts a 1-year job growth of 7.3% and 5-year job growth of 14.5%.

Current Population (As of January 1, 2006): 42,002




HOUSINGDEMOGRAPHICS AT A GLANCE
Single Detached7,601
Single Attached563
Multiple 2-41,102
Multiple 5+3,205
Mobile Homes1,318
Occupied12,866
Total13,789
Percent Vacant6.69%
Persons per Household3.196
  • Median Age: 30
  • Median Household Income (MHI): $37,759
  • State of CA (MHI): $51,917
  • CA Median Price of Home (6/2006): $575,800
  • El Centro Median Price of House: $255,000
El Centro TOP 15 Business types
Discount Department Stores$495.0
Department Stores286.6
Lumber/Building Materials230.8
New/Motor Vehicle Dealers223.2
Service Stations112.3
Restaurants No Alcohol103.6
Family Apparel88.5
Petroleum ProductsConf
Automotive Supply Stores49.2
Grocery Stores Beer/Wine44.9
Heavy Industrial42.7
Restaurants Beer and Wine41.5
Grocery Stores Liquor38.3
Specialty Stores36.8
Office Supplies/Furniture36.5
Total All Accounts$2,372.3
Gross Receipts$2,657.9
Labor: Wage and Salary Employment
  • Unemployment: 13.4% (SEE CHART)
  • CA Unemployment: 4.9%
  • U.S. Unemployemt: 4.7%
Imperial County
  • Total Wage and Salary: 55,500
  • Total Non-Farm: 44,700
  • Service Providing: 39,900
  • Total Private: 27,300
  • Residual-Private Services: 22,500
CIVILIAN LABOR FORCE
  • El Centro: 18,100
  • Imperial County: 61,800
MAJOR EMPLOYERS
  • Albertsons
  • Burgers and Beer
  • City of El Centro
  • Costco
  • County of Imperial
  • Dilliards
  • El Centro Regional Medical Center
  • El Centro Elementary School District
  • Food 4 Less
  • Central Union High School
  • Home Depot
  • Homeland Security
  • Imperial Irrigation District
  • Imperial Valley College
  • Jack in the Box
  • JC Penney
  • Kmart
  • Lowe's
  • Lucky Foods
  • Macy's
  • McDonalds
  • Mervyn's
  • Rabobank
  • Sears
  • Sun Community FCU
  • Target
  • Time Warner Cable
  • United Parcel Service
  • Valley Convalescent
  • Vons
  • Wal-Mart

SEE EMPLOYMENT CHART

Community Information
The multi-cultural community of El Centro has a history rich in agriculture and is the core of the Imperial Valley's retail district. El Centro, as its name implies, is the center of one of Southern California's most promising new commercial and industrial areas. It is also the county seat Imperial County and lies 50 feet below sea level.

The bustling City of El Centrois surrounded by thousands of acres of prime farmland that has transformed the desert into one of the most productive farming regions in California with an annual crop production of over $1 billion. Agriculture is the largest industry in Imperial County and accounts for 48% of all employment. Fifty percent of the jobs in the City of El Centro come from the service and retail sector. A recent growth in the interest of Imperial County as a Filming Location, has spurred growth in servicing this industry

The City of El Centro was incorporated on April 6, 1908, and is operated by a council/manager form of government. The members of the City Council also sit as the Community Development Commission (Commission) and Redevelopment Agency (Agency) governing boards. The City Manager is empowered as the Executive Director of the Commission and Agency.

Location

El Centro is situated in the southern most part of California. It is located 128 miles east of San Diego, 60 miles west of Yuma, Arizona and just 10 miles north of Mexicali, Mexico. It is accessible via Interstate 8, State Highway 86 and State Highway 111.

Education

El Centro has three school districts within its boundary. McCabe Union Elementary School District provides k - 8 education to children outside the city limits. El Centro School District offers a comprehensive educational program for approximately 6,350 students at nine elementary schools, one middle school and one junior high school. The district provides a variety of educational programs suitable to the needs of a nult-ethnic and varied socio-economic community. The District is governed by a five member board of education and employs approximately 360 certified and 345 classified staff.

The Central Union High School District includes two four-year comprehensive high schools and one alternative education school. The 3,450 students have access to a wide range of curricula offerings that conform to state guidelines, model curriculum and the University of California requirements. The District is supported by more than 350 certified and classified staff. The District is governed by a five member Board of Trustees

Opportunities to attend college are available through Imperial Valley College, and San Diego State University, Calexico Campus. El Centro also has many vocational training programs as well.

Resources

El Centro offers an abundant supply of every resource necessary for the success of business. There is a labor pool of more than 10,000 trainable workers in Imperial County and we have affordably priced, well located industrial and commercial sites available. We have abundant, low cost water supplied by the City of El Centro and electrical power through the Imperial Irrigation District. To learn more about what El Centro has to offer contact the City's Economic Development Department at (760) 337-4543.

Health Care

El Centro is home to the El Centro Regional Medical Center. A 107 bed hospital with a staff over 100 capable physicians and surgeons representing more than 30 specialties. The medical center, through community involveme

El Centro also offers quality care by way of clinics throughout the city including:

Clinicas de Salud del Pueblo
Desert Dialysis Center
Desert Medical Center
Imperial Valley Cancer Center
Imperial County Mental Health
Imperial Valley Therapy Center
Imperial Valley Women's Clinic
Pioneers Health Center
Renal Services Group


Health care services are also available through more than 20 dentists, chiropractors and other allied health professionals.

Housing

Affordable housing is abundant in El Centro. The median price of a home is approximately $255,000 for a detached single family residence. With one of the lowest housing costs in California, El Centro offers the best opportunities for home ownership. For more information please contact http://www.homeloans.cc/

History and Facts
It was the Colorado that led Dr. O.M. Wozencraft, who originally had come to California for the Gold Rush, began his thirty eight-year quest to bring water to the area. In 1859, Wozencraft received support for his idea from the State Legislature of California, which granted him rights to the land should he be able to establish the water supply as he proposed. The Federal Congress showed some interest in Wozencraft's proposal, but the Civil War and other matters demanded greater priority. Until his death in 1887, Wozencraft, realizing the many possibilities for wealth in the agriculture potential of the Colorado Desert Valley, worked diligently to achieve his unfulfilled dream.

Nearly forty years of speculation and comment had taken place regarding various desert irrigation plans when, in 1892, a company out of Colorado sent Mr. C.R. Rockwood, an experienced irrigation engineer, to Yuma. While investigating the possibility of irrigating the Sonora, Mexico, desert area with water from the Colorado River, Rockwood found instead that such a project was more feasible into the Colorado Desert. The project was approved and the search for financial backing was begun. Rockwood was named as chief engineer.

Surveys revealed a total of two million acres in the Salton Basin and Baja California could be irrigated from a single canal project. The Salton Sink would serve as an area to receive drainage from the irrigation system. The company staked out the proposed route of the canal; yet, financial resources were slow to materialize leaving Rockwood to revise plans to a less expensive route.

In a further reorganization in 1896, a new investment group was formed, the California Development Company, with Mr. A. H. Heber of Chicago, Illinois, as president and Rockwood as vice president. Three years later, Rockwood himself headed the organization.

The search for financing eventually led to George Chaffey who originally had rejected the desert plan when Wozencraft had proposed it to him eight years previously. In the intervening years, Chaffey had experience and success with similar irrigation systems in the hot arid lands of Australia. He was now convinced that the Colorado Desert could become productive and well populated.

To help finance the canal system, another California Development Company subsidiary, the Imperial Land Company, sold shares of water stock through locally owned mutual water companies.

Chaffey began to dredge in August of 1900, creating a canal bed from Hanlon Heading to the border (a track less than five miles in length), then west for two to three miles to connect with the Alamo River channel. Minor excavation was needed for forty miles along the channel to Sharp's Heading. The central main canal went north and west to pass four miles east of the Calexico area. A lateral canal was built west of Calexico. On May 14, 1901, water was diverted from the Colorado River to the canal for the first time.
In June, water traversed the system all the way to Calexico. In the fall of 1901, 1,500 acres were under cultivation in the Calexico area, initiating the Imperial Valley agriculture industry.

During the next two years, more mutual water companies were formed, with the California Development Company building most of the distribution systems as well as the main canals and laterals to service these newly developed areas. W.F. Holt, who established the No. 7 Water Company and the town of Holtville, also built the Holton Power Co., a small hydroelectric plant, that began supplying the first electricity to the Holtville area in 1904. By 1905, eighty miles of main canals and 700 miles of distribution canals were in existence.

Previously, potable water was hauled south from Coachella Valley by railway car. With water finally available from the Colorado River, the population boomed. In 1901, few white men inhabited the Imperial Valley other than the surveyors working on the canals. In four years, by 1905, the residents numbered 12,000. Irrigated acreage had increased from 1,500 acres to 67,000 acres.

The need for transportation to bring goods into the Imperial Valley and to ship agriculture products out prompted a citizen demand which finally spurred the construction of a branch line from the Southern Pacific railway near present day Niland south to Imperial early in 1903 and then on to Calexico early in 1904. By 1919, El Centro was linked to San Diego by rail.

To facilitate development and the conducting of business, the desert lands east of the coastal range of mountains were organized into a county structure separate from San Diego in August 1907 and Imperial County was born. Previously only one town, Imperial, had been incorporated; however, in 1908, the cities of Calexico, Brawley, Holtville and El Centro formed official governments. Smaller communities included Heber, Silsbee, Seeley, Niland, Westmorland, and Calipatria. In Mexico, the community of Mexicali, founded about the same time Calexico was established, was thriving.

The desert pioneer was accustomed to hardship. Hard work and harsh weather were all endured to persevere in their dream. Yet hardship of a different form was to follow. Due to inaccuracies in early land surveys Congress authorized a new survey to be taken. Commencing in July 1902, it took more than six years to complete, leaving Valley land titles unofficial for that period and land owners unable to use their property as security for loans.

In addition, a government soil survey, released in January 1902 and expanded in 1903, asserted that the alkaline soil conditions here made "crops absolutely impossible to grow." National attention was already focused on the great undertaking in the Imperial Valley desert, and press reports quoting from the soil survey were completely devastating--credibility and credit were lost.

As if conditions weren't already severe, heavy silt deposits created growing problems for the irrigation project. The river swept this material along in its flow, enough silt, by volume, to raise one square mile of land 53 feet in height each year. The upper end of the canal, all the way into Mexico, was also filling with silt. An opening was dug as a bypass, with no control gate. A series of floods in the winter of 1904-05, resulted in rapid erosion and widening of the temporary bypass opening. The Colorado River flowed full force through this channel and into the Imperial Valley.

Numerous attempts to close the flooded channel were unsuccessful. The California Development Company's credit was severely strained at this point, and the Southern Pacific Company was induced to loan funds so that efforts could be continued to close the break in the riverbank.

In addition to the funds supplied, Southern Pacific dedicated enormous amounts of other resources to stemming the flood waters. Railway cars transported hundreds of tons of rock and gravel in a steady supply from the railway quarries to the river for several months. The rock was piled around trestles driven into the canal bed to stop the flow of the river. An initial closure was achieved in November 1906, but the river soon broke through again. Finally, in February 1907, the river was diverted back to its proper channel.

Results of the flooding were profound. Thirteen thousand acres were lost from the erosion. Salton Sink, virtually dry before the floods, had filled to become a 50-,mile by 15-mile body of water covering 285,000 acres, the largest inland saltwater sea in North America. Damage to the railroad lines exceeded $870,000. Two water companies were now without a water supply, causing a loss of 12,000 acres of crops and forcing families settled in the affected areas to move out, at least temporarily. Many settlers felt the flooding was a sign that desert irrigation was an impossible project, and moved away permanently.

Heavy expenditures for canal improvements and floodwater diversion, as well as lawsuits over losses from floods on both sides of the border and the earlier water shortages in the Imperial Valley, had strained the California Development Company to its financial limit. The company was placed in receivership in December 1909.

Yet true pioneer determination was undaunted and efforts to regroup, rebuild and move ahead began. In 1911, Imperial Valley voters approved the organization of the Imperial Irrigation District. Using bond issues for financing, the Irrigation District purchased the thirteen mutual water companies, bringing the Imperial County water delivery system under a single controlling body. Construction of the extensive drainage system was undertaken, with deep drains laid out to each farm. The first farm tile drainage in the Imperial Valley was in place by 1929.

In 1922, Imperial Valley Congressional Representative Phil Swing introduced legislation calling for construction of a dam at Boulder Canyon, eliminating the possibility of another devastating flood. President Calvin Coolidge signed the bill in December 1928. Today, Hoover Dam and a Brawley elementary school are among the standing tributes to Swing and his efforts.

Construction of a canal running its entire length through United States soil was begun in 1934. Mule teams pulling fresno scrapers carved a path through the desert. Local workers earned three dollars a day at this task. Water was delivered through the All American Canal in 1940 and hydroelectric plants produced power for Imperial Valley just one year later.

Farms and other businesses flourished, and over the years, thousands of people from other areas of the United States and from all over the world migrated here to find the good life those early developers had envisioned. Today, more than 500,000 acres are under production in Imperial County, yielding nearly one billion dollars in crops. The inexpensive land and adequate water supply that drew early pioneers are opening the Imperial Valley to a new breed. The advent of air conditioning coupled with low utility rates have drawn industry to the area. Geothermal Power, aerospace and manufacturing are now important residents in our area.

Each story, whether remembered by a pioneer family member or historian, is a part of the heritage of all the desert's citizens--present to the future.

The memory of the pioneering people of Imperial County, their indomitable spirit and contributions to our society, will be preserved for generations to come.

I was born and raised in El Centro, CA and I am pleased to say it's a great community to call home. For more information, please contact me www.IVForeclosures.com

Welcome to Brawley, California

Frederic Din ~ Imperial Valley Real Estate Agent: Real Estate Agent in Brawley, CA

Brawley, the jewel of Imperial County



View Larger Map
(Thank You to the Brawley Chamber of Commerce and the City of Brawley for providing this information)

Community Profile

The City of Brawley was incorporated in 1908; it is a 'General Law' municipality. The City of Brawley is located in the far southeastern corner of the State of California, in the Lower Colorado Desert and ten miles south of the Salton Sea. Brawley is a 25 minute drive from Mexicali, Mexico, 125 miles east of San Diego, 88 miles south of Palm Springs and 65 miles west of Yuma, Arizona.

POPULATION:
The City has population of approximately 22,000. Brawley is a family-oriented community with good schools, and 14 parks, beautifully landscaped. Brawley has a skilled, hard-working labor force.

RECREATION:

The Colorado River is about 30 miles from Brawley. The Salton Sea and desert sand dunes are accessible in minutes. The Sea of Cortez is about three hours away. All these areas offer prime recreational opportunities, from bird-watching to fishing, hunting, boating, dune riding, and just about any other outdoor activity you could imagine.

Home

Brawley is home of the Cattle Call Rodeo. Here are some facts about Cattle Call

About the Name ....
· The Brawley Chamber of Commerce conducted a contest to namethe rodeo and community celebration. The winner and recipient of a $25 U.S. Savings Bond was Marial (Mrs. Rex) Hudson, who submitted "Cattle Call," the name of a popular western song written by Tex Owens in 1934 and made famous by Eddy Arnold

About the Rodeo ...
· The first two rodeos - in 1957 and 1958 - were considered "amateur" affairs. The event went "pro" in 1960 when it was sanctioned by the Professional Rodeo Cowboys Association (PRCA)

About the Rodeo Committee ...
· The original Rodeo Committee was composed of Ed Rutherford, Louise Willey, Dick Smith and Al Smith.
· Real Estate Broker Al Smith, now retired, is the last surviving member of the founding committee.

About the Stock Contractor ...
· In its first years, the stock contractor for Cattle Call was a company co-owned by Pete Grubb and Ed Rutherford. After Grubb's death, Rutherford joined forces with Cotton Rosser and formed the Flying U Rodeo Company. The Flying U has been providing livestockever since.

About the Arena ...
· The Rodeo Committee leased approximately 40 acres in the New River bottom from the city of Brawley.
· The lease agreement with the city requires that the Rodeo Committee spend any money remaining after covering expenses to maintain and make improvements to the facility.
· Because of building code constraints, building a grandstand from the ground up was too expensive, so reinforced concrete stands were poured a top a huge mound of dirt - an estimated 33,000 yards -00 hauled to the site.
· The entire physical facility was built in approximately three months, using donated or volunteer labor.
· The grandstand was erected in 30 days, with a new row of concrete stands poured daily.
· The original grandstand had 2,040 seats. It has been expanded several times to its current capacity of 5,264.
· The bucking chutes were fabricated at the Orita Land & Cattle Co. feedlot and secured in place at the arena just in time for the first performance in 1958.
· Dignitary seating above the chutes was paid for with funds contributed by the Lions and Soroptomist Clubs.

For more information about the jewel of Imperial County, Brawley, California contact me at www.IVForeclosures.com

Welcome to Imperial County, California

Frederic Din ~ Imperial Valley Real Estate Agent: Real Estate Agent in Brawley, CA

Welcome to Imperial County, California, also known as the Imperial Valley.

Imperial Valley offers a diverse and rich collection of Resources in the form of Human Power, Infrastructure and Economic Development. The climate is hot and dry, ranging from lows in the mid 30's in January to highs of 110+ in July and August (mean temperatures: low-55.0; high-89.6), with little moisture (average annual rainfall: 2.92 inches; 25 percent average relative humidity).

Imperial County extends over 4,597 square miles, bordering on Mexico to the south, Riverside County to the north, San Diego County on the west, and the State of Arizona on the east. The terrain varies from 235 feet below sea level at the Salton Sea to 4,548 feet at Blue Angel Peak.

History and Facts

Imperial County, originally part of San Diego County, was founded August 7, 1907. The area was visited as early as 1540 by Hernando de Alarcon, discoverer of the Colorado River. It was further explored by Spanish explorers and Catholic friars. Settlements existed along the Butterfield Stage Route as early as 1858, but no real development took place until water was brought into the area in 1901.

Imperial County is 100 years old.
You can find out more about the Centennial celebration by going to http://www.ic100.org/

California Government State Web Page

County Board of Supervisors

The County is broken into five (5) sections for representation by a Board of Supervisors. District 1 represents the communities of Calexico. District 2 represents the communities of El Centro, Heber, and Ocotillo. District 3 represents the communities of Seeley, Plaster City, West side of El Centro, and Imperial. District 4 represents the communities of Brawley, Calipatria, Westmorland, Niland, Salton City, Salton Sea Beach, Desert Shores, Bombay Beach. District 5 represents the communities of Holtville, Winterhave, East side of El Centro and Imperial, and Palo Verde.

Major cities and towns

Imperial County has a variety of cities and towns. The County seat is El Centro with an approximate population of 42,000 is the hub of commerce and industry for the County. Calexico has an approximate population of 37,000 and is the border city of Mexicali, Mexico, which is home to over one million inhabitants. Due to the proximity and vast population of Mexicali allows Imperial County to offer services found in much larger cities. Brawley to the North is the next largest town in the County with an approximate population of just over 26,000. Other towns such as Heber, Holtville, Imperial, Calipatria, Westmorland, Niland, Salton City, Salton Sea, Seeley, Winterhaven and Ocotillo make up the rest of the towns in the County.

Shopping, Dining, Entertainment and More

As the County grows so does our choices for shopping, dining, entertainment and more. The Imperial Valley Mall offers shopping that rivals malls in larger city atmostpheres with Macy's, JC Penney, Dillards, and Sears as the anchor stores. Small flagship stores are contained in this fully air conditioned mall with stadium seating 20 movie theatre, food court, indoor ice skating, marry-go-round carousel and more. Shopping in the downtown districts of the major cities offers more botique stores with a hometown flavor. Fine dining and other enterainment venues abound as the Valley offers more culteral events from major play productions, movie making, and musical venues to name a few.

I am proud to live, work and serve in my community of Imperial County, CA

If you would like more information about Imperial County Homes for sale visit my website www.IVForeclosures.com

Imperial County Loan Modification Success Tip

Frederic A Din ~ Imperial Valley REALTOR: Loan Officer in El Centro, CA

Frederic's Loan Modification Success Tip

Getting your loan modification proposal accepted.

Click HERE to start SAVING money Now on your current mortgage. No Appraisal or Credit Report Required!

Let's be very clear about things, make sure you represent the facts surrounding your debts and obligations correctly. You want to be honest with your lender at all times.

In this loan modification success tip we'll talk about which monthly payments count as part of your loan modification debt-to-income ratio. This is a figure your lender will use to calculate your ability to "qualify" for the loan modification and repay the existing mortgage.

Credit card minimum payments. This is the minimum payment amount for your credit cards on a monthly basis. If you owe $1,000 and your minimum payment is $30.00, this is the amount you will list. You do not want put down that you pay $100 per month.

Automobile loan payments. You list your car payments as long as they are personal vehicles and not used for business purposes. Meaning if you have a company car that is paid for by your business, do not list the debt on your personal financial statement.

Installment loan payments. These are the monthly payments for installment loans other than credit card and auto loan payments, such as personal bank loans etc.

Expected NEW mortgage payment. This is the amount you want as your new mortgage payment by completing the loan modification. A loan modification will change the terms of your loan to lower your interest rate, lower your monthly payment, and perhaps lower your overall debt owed.

Your annual property taxes expressed as a monthly cost. For example, if your property taxes are $1,200 per year, the cost would be $100 per month.

Your property insurance calculated as a mothly cost. For example, if your property taxes are $600 per year, the cost would be $50 per month.

The following list of Expenses do not count as part of your debt-to-income ratio for the purpose of getting your loan modification accepted. Please understand, I know these are very real expenses and they affect your monthly budget, however they do not count towards your debt-to-income ratio for loan modification purposes.

These items include the but are not limited to the following, food, cable/utilities, daycare expenses, vehicle used for business, personal family loans (ie loans from mom or dad), tuition expenses, etc.

These items do not count towards the lenders requirement of debt-to-income ratio for loan modifications. We try to keep your overall debt-to-income ratio at 50% or less. Some lenders may require lower ratios at no more than 38%, however it all depends on your specific situation.

Follow Frederic's tips for loan modification success you will obtain your loan modification approval quickly and easily.

Do You Need help with a loan modification?

I will help you legally modify your home loan and mortgages to help you lower your monthly payment, lower your interest rate, and lower the amount you owe on your loan overall. Simply down load the following form to begin the process including a no obligation review. Remember, the loan modification process is a legal process and should be handled by professional legal representation. Do not accept imitations and do not seek help without the counsel of an attorney. The services that I provide are reviewed by attorneys who know real estate and mortgage banking laws, do not accept or settle for less.

Click HERE to start SAVING money Now on your current mortgage payment. No Appraisal or Credit report required!

Ask about my service guarantee*
~if we do not obtain a loan modificaiton that saves you money, we will refund your fees * restrictions apply.