JoAnna Jensen

IM SURE BY NOW "LOAN MODIFICATION" IS NOT A NEW WORD OR IDEA. IF YOU ARE FACING A FINANCIAL HARDSHIP WEATHER IT IS YOUR MORTGAGE, TOOOO MANY CREDIT CARDS I CAN HELP. I HAVE ADDED THESE ITEMS TO MY MENU FOR THOSE IN NEED. I AM A CERTIFIED DEBT ARBITRATOR (IAPDA) , WITH THE KNOWLEDGE OF NEGOTIATING YOUR DEBT. HAS YOUR HOME LOST VALUE??? THERE ARE STEPS YOU CAN TAKE TO RELIEVE YOUR BURDON.

FOR REAL ESTATE SALES/ PURCHASE, SHORT SALE, FINANCING

REDUCE YOUR PROPERTY TAXES IF YOU HOME HAS LOST VALUE

NEGOTIATE YOUR MORTGAGE - IF NECESSARY AUDIT YOUR LOAN DOCS FOR VIOLATIONS

WAS YOUR LENDER NOT STRAIGHT FORWARD, DID YOU NOT GET THE LOAN YOU WERE DESCRIBED

WERE YOU PRESSURED INTO A LOAN, DID THEY REFINANCE YOU FROM A LOWER INTEREST RATE INTO A MUCH HIGHER INTEREST RATE THAT YOU CANT AFFORD?

DID YOU FEEL UNCOMFORTABLE ABOUT YOUR PAYMENTS BUT WERE PRESSURED INTO THE LOAN?

REDUCE YOUR CREDIT CARDS TO APPROX 35 - 50 PERCENT OF ITS CURRENT VALUE.

DO YOU NEED A QUALIFIED CPA, HAVE YOU RECEIVED A 1099 FROM A SHORT SALE, YOU NEED A CPA

THOUGHT ABOUT BANKRUPTCY, I HAVE A GREAT REFERRAL

THE REALTOR WITH OPTIONS. CALL ME FOR ANY REAL ESTATE NEEDS

HAVE YOU INTERVIEWED OTHER LOAN MODIFICATION OFFICES? THINGS TO THINK ABUT

1 - DONT LET THEM SCARE YOU PRESSURE YOU.

2 NEVER SIGN OVER YOUR HOME THINKING THEY WILL BAIL YOU OUT OF FORCLOSURE.

THIS IS JUST A FEW THINGS TO THINK ABOUT, PLEASE CALL ME IF YOU HAVE QUESTIONS OR NEED A REFERRAL.

JoAnna Jensen

REALTOR

IAPDA, CERTIFIED DEBT ARBITRATOR

925 699 5041

Currently our office is working on Loan Modifications, with much success. We do them with no upfront fees, no fees unless we get something worked out and we only charge if our client gets a payment he approves!!! What a deal, you can bet we are getting referrals.

I have a lot of clients who have a hardship of one thing or another. They are making much less money, their home is worth less than their loan. Thair interest rate just adjusted and they cant afford the payment. Previously, the word on the street is go straight to a Short Sale, but I believe in trying to work for my client if he/she wants to keep their home. Loan Modifications first, short sale second.

If there are other professionals out there doing loan modifications I would love to hear from you on how your putting your paper work together and presenting it to the lender. I feel as Real Estate Professionals we have a duty to perform and protect our client.

Short Sales are becomming more commom knowledge, I had visiters come in to my open home this weekend and they knew about "Distressed Properties".

Currently, the best deals can be found with distressed properties if your willing to wait and work with someone who know how to put it together.

How low can this economy go? We need to stop the downfall, and help clients stay in their home.

JoAnna Jensen

Cal Bay Realty

925 699 5041

I AM EXCITED!!! I AM WORKING ON MEETING OTHER TOP PRODUCING REALTORS IN MY AREA AND IN OTHER AREAS. I BELIEVE IN EDUCATION. I HAVE FOUND THAT IT IS STILL TRUE, BUYER BEWARE! AND AS A REALTOR I WANT TO REPRESENT MY CLIENT AND BE VERY EDUCATED.

I AM PLANNING ON WORKING WITH THE HOUSING OPPORTUNITIES PROGRAM, I HAVE ALWAYS WANTED TO HELP SINGLE MOMS FIND HOMES TO LIVE IN WITH THEIR CHILDREN.

CREDIT REPAIR - I HAVE FOUND A SERVICE THAT CAN HELP WITH CREDIT REPAIR.

IN PLEASANTON WE ARE VERY LUCKY WITH OUR ECONOMY. OUR HOME VALUES ARE NOT GIVING UP TOO MUCH. WE ARE KNOW AS THE "BEST KEPT SECRET". BECAUSE OF OUR LOCATION, DISTANCE TO EMPLOYERS, AWESOME SCHOOLS AND GREAT COMMUNITY. PLEASANTON IS A GREAT PLACE TO LIVE AND ITS A SMART TIME TO BUY.