Lathrop, CA

Stockton CA – The Stop Foreclosure Institute recently received a question from Brandon. Brandon is selling his house and something very interesting happened. Brandon’s Question: "My loan is with American Home Mortgage (AHMSI for short.) They are charging a 1% short sale processing fee to the buyer. Is that legal? The buyer is upset. They have stipulated that ONLY the buyer can pay the fee. This was never revealed until the short sale approval letter arrived. Brandon." Get my Free, Step By Step Loan Modification Guide by clicking here. Our comments on this. Yes, the buyer is upset. Buyers think they are in control in today's market. They can't see why they should pay a fee if they are buying a house in a "Buyer's Market." Is it legal? We did a short sale with AHMSI and they said their lawyers had checked it out and confirmed that it is legal. So, it probably is. We checked with Brandon and found out a little more information. Turns out the loan is owned by Deutsche Bank. We convinced AHMSI to waive the fee on that short sale. We threatened to contact Deutsche Bank and let them know what was happening. Sure, it's wrong. But, do you know why AHMSI can get away with it? It's because the people who own the mortgages don't know about the fee. When you threaten to contact the loan owner, then that changes everything. Thinking about a loan modification?Our Stockton loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at ron@homebuyersrealty.com to request a Free Copy. Or, click here to request a copy. Thinking about a short sale? I can help you short sale your property so you can move on with your life. Send me an e-mail at ron@homebuyersrealty.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) 321-0445 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thanks for reading this, Ron Cedillo. Ron is a Real Estate Broker at Home Buyers Realty. Stockton Short Sales Realtor: Phone: (209) 321-0445. ron@homebuyersrealty.com. Providing Options for Homeowners in Foreclosure View My homes for sale at www.HomeBuyersRealty.com. Ron Cedillo specializes in loan modification assistance and short sales in Stockton California. Stockton Loan Modification Help, Stockton Short Sales. Stockton Short Sale Realtor Stockton CA Short Sales. Stockton Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved. Important Notice Ron Cedillo, Home Buyers Realty, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. 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. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. The views expressed here are Cedillo's personal views and do not reflect the views of Home Buyers Realty. This information on Stockton Short Sale: My Lender Is Charging The Buyer A Fee To Buy My House is provided as a courtesy to our viewers to help them make informed decisions.

Stockton CA – If you are looking to short sale your home, then I have some good news for you. Thanks to a new government program, HAFA, you can get paid to participate in a short sale. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. If your loan qualifies for the HAFA program, then you may be eligible for a number of financial incentives. You can get up to $3,000 to help with moving costs. Even better is the stipulation that you will be completely released from the first mortgage debt. No deficiency and no promissory note. Now you don’t have to worry about paying all that money back. Here are a few other advantages HAFA has over a normal short sale. 1. The lender must process the short sale within 30 days. 2. Lenders are no longer required to check your financial information and confirm that your debt to income ratio is higher than 31%. 3. The short sale can often be pre-approved when it is put on the market. This is good news because it makes your home more attractive to home buyers. As an incentive to help lenders process HAFA short sales, your lender can get a check for up to $1,500 for helping you. Contact me to see if you qualify for a HAFA short sale. I can help you short sale your property and never pay the bank another penny. Send me an e-mail at ron@homebuyersrealty.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) 321-0445 Discover how other sellers successfully completed a short sale and request a free consultation by clicking here. Thinking about a loan modification? Our Stockton 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, Ron Cedillo. Ron is a Real Estate Broker at Home Buyers Realty. Stockton Short Sales Realtor: Phone: (209) 321-0445. ron@homebuyersrealty.com. Providing Options for Homeowners in Foreclosure View My homes for sale at www.HomeBuyersRealty.com. Ron Cedillo specializes in loan modification assistance and short sales in Stockton California. Stockton Loan Modification Help, Stockton Short Sales. Stockton Short Sale Realtor Stockton CA Short Sales. Stockton Realtor. Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Ron Cedillo, Home Buyers Realty, and the Stop Foreclosure Institute are not associated or affiliated in any way, shape, or form with the government. Our services have not been reviewed, endorsed, or approved by the government or your lender. Most lenders willingly work with agents on short sales. Why? Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit. However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification. If you stop paying your mortgage, then you could lose your home and damage your credit. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision. 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. You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale. The views expressed here are Cedillo's personal views and do not reflect the views of Home Buyers Realty. This information on Stockton Short Sales: Yes, you can get a $3,000 check for short selling your home is provided as a courtesy to our viewers to help them make informed decisions.

Ropin' on the River in Lathrop ~ Give Every Child A Chance

June 4-5, 2011

Lathrop, CA

Dell' Osso Family Farm

501 S. Manthey Road
Lathrop, CA 95330

A City of Lathrop Event

VOLUNTEER OPPORTUNITY!!!!

Give Every Child A Chance (GECAC) wants to invite you to help out in the Ropin' on the River Rodeo on June 4th and June 5th of 2011 at Del Osso Farms in Lathrop. They are recruiting volunteers of a of all ages. Whew, they need of close to 200 volunteers to work the rodeo! All volunteers will have free admission and food/drink vouchers.

Contact David Silveira at dsilveira@musd.net or the GECAC office at: (209) 823-6222 or Lisa Rowe at Irowe@gecac.net for more information.

GECAC offers free programs, locally, such as One-on-One Mentor-Tutoring, Afterschool Advantage Programs, Technology Outreach, and more, all supported through fundraising, donors and grants. If you would like to know more about GECAC visit the website at: www.gecac.net.

What type of skills?

• Hospitality: Hospitality in the VIP section at the Robin" on the River Rodeo at Del Osso Farms in Lathrop.

Requirements

Volunteer opportunties range from helping with registration to parking attendants to trash and recycling duty, hospitality, security, grounds set up and take down, ticket sales, runners to booths and so on.

Entertainment includes, Family BBQ Kick-off, General Store, Concession & Vendor Booths, Ropin' on the River Rodeo Queen, Clydesdale Expo, Meet Ted Nuce, Diablo Ladies Drill Team, Petting Zoo & more....

Arena Events will include Saddle Bronc Riding, Bull Riding, Bareback Riding, Tie Down Roping, Steer Wrestling, Women's Breakaway Roping, Barrel Racing, Team Roping Header & Heeler, Pee Wee Barrel Racing & Mutton Bustin'

(175,-4)