BURBANK REAL ESTATE & HOMES FOR SALE (818) 968 3718
TOP 10 BEST BUYS IN BURBANK FROM $417,000 TO $600,000, ALL 3 BR HOMES, 2 BATHS
FOR BANK OWNED LIST OF HOMES IN BURBANK & SFV, CLICK HERE
INSIDE ABOVE SEACH TOOL, YOU CAN ADD "REO/LENDER OWNED"
DOWNPAYMENT ASSISTANCE PROGRAMS & GRANTS FROM $10,000 TO $80,000, CLICK HERE

Lupe Soto, Realtor & Certified REO & Bank Owned Specialist
(818) 968-3718
DRE # 01380599
Burbank in Action Realty & Mtg Svcs
3500 W Olive Ave # 300, Burbank CA 91505 FREE HOME SEARCH 24/7 - Any Area - Any Price
www.BurbankFreeHomeSearch.com
www.BankOwnedSFV.com
www.CondosWithLupe.com
www.NewConstructionHomesWithLupe.com
www.IncomePropertiesWithLupe.com
www.LandWithLupe.com
www.Palmdale-Casas.com
www.CasasConLupe.com
www.RentWithLupe.com
BANK OWNED 3-UNITS SUN VALLEY, CA near Burbank, each house is detached, huge lot approx 1 acre, Call Lupe for showing and financing info. Run don't walk. SE HABLA ESPANOL. Lupe Soto is a CERTIFIED REO BANK OWNED SPECIALIST Representing Buyers/Investors in San Fernando Valley, Los Angeles County, Southern California.
9330 TELFAIR AVE, SUN VALLEY, CA (3) detached houses - bank owned listed at $575,000 or best offer.
CONTACT LUPE TODAY FOR SHOWING OR MORE INFO, CLICK HERE
OTHER BANK OWNED UNITS IN BURBANK & SAN FERNANDO VALLEY, CLICK HERE
FREE SEARCH - 2-4 UNITS & MULTI-FAMILY
| B. Lupe Soto | VI 95160 |
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FINANCING AVAILABLE AS LITTLE AS 3.5% FOR FIRST TIME BUYERS, REQUEST MORE INFO
SE HABLA ESPANOL
CONTACT LUPE TODAY, CLICK HERE

Any information relating to real estate for sale referenced by this email comes from the Internet Data Exchange (IDX) of the SoCalMLS®. This email may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent sending this email. The accuracy of all information regardless of source, including but not limited to square footages and lot sizes, is deemed reliable but is not guaranteed and should be independently verified through personal inspection by and/or with the appropriate professionals. Copyright SoCalMLS®
This E-mail contains specific real estate information selected according to your specific criteria. The information is provided by the Multiple Listing Service.
Downpayment assistance programs in San Fernando Valley & Antelope Valley. PROGRAMAS PARA OBTENER FONDOS/ENGANCHE PARA LA COMPRA DE SU CASA.
REQUEST MORE INFO - DOWNPAYMENT ASSISTANCE PROGRAMS & GRANTS, CLICK HERE
NO TIENE PARA EL ENGANCHE? NO SE PREOCUPE, LEA MAS AQUI

Lupe Soto, Realtor in Burbank, San Fernando Valley & Antelope Valley has the knowledge, resources & experience to assist the First Time Home Buyer. Lupe is highly educated in special down payment assistance programs and CalHFA first mortgage financing. This has allowed my clients to receive grants and downpaymenta assistance to purchase their first home, click here to request more information about these programs and grants. LUPE HABLA ESPANOL.
The most important question, How Do I Qualify?
Well, it's pretty simple. The number one qualifying factor is income. You must meet the median income requirements established for your area (if you make less than $119,800 in Los Angeles County you qualify). Then, you must be able to qualify and be approved for a low interest mortgage loan, and as a first time home buyer, you cannot have owned a home within the last three years. Your approval for a government assistance loan is almost assured if you can meet these three criteria.
Typical Disqualifications:
Excessive Income
Default on a Government Loan
Tax Liens
Bankruptcy discharge not 24 months old
Unpaid Child Support
Prior Foreclosure
The Home Buyer has owned a home less than 3 years.
Here's a sample list of programs we currently work with;
Los Angeles Housing Department (LAHD)- $50,000 to $90,000 Down Payment Assistance for Low and Moderate Income First Time Home Buyers
American Dream Down payment Initiative (ADDI) - Greater of 6% or $10,000 Down Payment Assistance for Low Income First Time Home Buyers purchasing condos
California Home Buyer Down Payment Assistance Program (CHDAP) - 3% Down Payment Assistance for First Time Home Buyers with Low and Moderate Income
High Cost Area Purchase Program (HiCAP) - 4% Down Payment Assistance for First Time Home Buyers
Mortgage Credit Certificate (MCC) - Dollar for Dollar tax credit for First Time Home Buyers with Low or Moderate Income
Simi Valley Housing Department - Up to $100,000 Down Payment Assistance for First Time Home Buyers
Extra Credit Teacher Program (ECTP) - Program for eligible teachers, administrators, staff members and classified employees to receive 3% down payment assistance and a reduced interest rate on their first mortgage.
Most programs can be combined for maximum benefit!
PLEASE CONTACT LUPE, CLICK HERE for a private FREE consultation
Thinking of Buying? in Burbank, San Fernando Valley & Antelope Valley,
www.NewConstructionHomesWithLupe.com
www.IncomePropertiesWithLupe.com

FREE foreclosure resources information, FREE loan modification counseling in San Fernando Valley, Santa Clarita Valley, Antelope Valley, Los Angeles County. Spanish/English. (Se Habla Espanol)
Informacion GRATIS sobre prevencion de foreclosure, modification de prestamos. El directorio de informacion que se indica a continuacion es bilingue Spanish/English, por favor llame primero obtenga, aprenda y protejase.

LOAN MODIFICATION & FORECLOSURE PREVENTION - FREE RESOURCES
NEW WORKOUT PLAN FOR DELINQUENT LOANS (02/03/09) click here
Lupe is available to assist you LOAN PREQUAL, LOAN PRE-APPROVAL, REFINANCING go to www.LendingWithLupe.com
Lupe Soto, Realtor in Burbank, Realtor in San Fernando Valley, Realtor in Santa Clarita Valley, Realtor in Antelope Valley. Please use the following FREE resources if you are in need of loan modification, foreclosure prevention, etc. Lupe does not do loan modification. LUPE NO REPRESENTA CLIENTES PARA MODIFICATION DE PRESTAMO. . Lupe Soto, Realtor & Listing Agent specializes in Short Sale
Lupe Soto, Realtor en Espanol. Por favor obtenga y beneficiese con information GRATIS de modification de prestamos, como evitar la ejecucion hipotecaria o foreclosure. Si necesita mas information, puede enviarme un correo electronico o llame a Lupe. Lupe Soto se especializa en VENTA CORTA o Short Sale in SFV, SCV, AV. Compre casas con Lupe www.CasasconLupe.com
LENDERS MOVE SLOWLY TO MODIFY LOANS 10/4/08
http://www.realtor.org/RMODaily.nsf/pages/News2008100303?OpenDocument
BANK OF AMERICA WILL MODIFY LOANS 10/06/08
http://www.realtor.org/RMODaily.nsf/pages/News2008100605?OpenDocument
BANK OF AMERICA TOOK OVER COUNTRY WIDE HOME LOANS JULY 2008
http://www.reuters.com/article/ousiv/idUSTRE4953T620081006
HUD APPROVED AGENCIES WITH FREE COUNSELING & EDUCATION
http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?lang=en
APPROVED HUD AGENCY (BY DESIGN SOLUTIONS IN GRANADA HILLS, CA IN SAN FERNANDO VALLEY WITH "FREE" HELP
http://www.bydesignsolutions.org/
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EN ESPANOL
COMO EVITAR LA EJECUCION HIPOTECARIA - COMO EVITAR FORECLOSURE
http://espanol.hud.gov/foreclosure/index.cfm?&lang=es
AYUDA PARA PROPIETARIOS QUE ESTAN PERDIENDO SU VIVIENDA
http://espanol.hud.gov/offices/hsg/sfh/econ/econ.cfm
AGENCIA AUTHORIZADA POR H.U.D. EN ESPANOL BY DESING SOLUTION, GRANADA HILLS, CA
http://www.bydesignsolutions.org/espanol/index.html
AYUDESE A SI MISMO: Llame a su lender o banco quien tiene la hipoteca, la mayoria tienen servicio en espanol, este preparado con su # de prestamo y pidales el paquete de loan modificacion o como evitar foreclosure. Cuando lo reciba llenelo y proporcione la informacion que le piden, si necesita ayuda en llenar el formulario, consulte con Lupe y por una pequena cuota de servicio puedo coordinar una cita en mi oficina. Recuerde de anotar con un diario las llamadas a su banco, y si no recibe el paquete en 2 semanas vuelva a llamar. Lupe Soto ofrece orientacion de donde llamar, Lupe NO ofrece ayuda legal. Si no entiende envieme un email con su # de telefono, su pregunta. APRENDA, PROGRESE & PROTEJA SU FAMILIA Y SU CASA. Atentamente, LUPE SOTO, Realtor www.CasasconLupe.com
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CAN I GET A LOAN MODIFICATION IF I AM NOT BEHIND IN MY PAYMENT
Good news the answer is yes. There are many lenders today that will allow a loan modification if you are not behind in payments. Although, I have been told different in many instances because you get differing information from different loss mitigation phone team employees. It is actually unbelievable the misinformation that is being passed along because of lack of training. Any time you are told information that seems questionable call back to get a different representative.
The problem, many servicers (mortgage companies) are overwhelmed with work. Work being phone calls on delinquent mortgages, loan modifications, repayment plans, short sales, deed in lieu's, REOs and different outreach programs to help delinquent borrowers stop foreclosure. With the work load overwhelming the employees the servicers (mortgage companies) have had to hire mass amounts of employees that really get minimal training and thrown on the phone lines for support. These loss mitigation phone reps really do not intentionally give bad information they have just been under trained and put on the phones for support. There is a learning curve for this business and if they are not continually monitored by their supervisors and managers they can get in the habit of not looking up on their reference materials and "guess answers". As you all know things change daily and there you have it misinformation about loss mitigation programs including a loan modification.
Who do I trust to stop foreclosure
Iif you were referred by a friend or family member that has been helped is probably your first choice. Then refer to the Better Business Bureau because there are many people that are out to give you false promises and others with no morals and taking advantage.Back to the topic, if you are not behind in payments many lenders allow loan modifications. If you are in a case of eminent foreclosure, meaning you have or in the next 60 days will have an adjustment in your interest rate and will not be able to afford your payments, lenders will consider modifying the loan.
HOW TO REQUEST LOAN MODIFICATION TO AVOID FORECLOSURE = Prevention is the key
You have several options,
Call your lender and request a loan modification package to be sent to you by mail. Make a journal and follow up if you did not get it within 2 weeks. Once you received it, complete the package and provide requested information and hardship letter. If you need help to review your documentation before they are sent back to lender or if you need help completing it, contact Lupe Soto, Realtor & FHA Loan consultant to review these documents for a small fee.
Second option is
NACA Home Save Solutions, click here to read more Loan Modification, Refinance, Stop Foreclosure. After you read the info under "Home Save" please sign up for a workshop first, this is a free service and you must attend the workshop schedule in Los Angeles, see below. After the workshop, please read more about NACA process
Steps to take:
Sign up for workshop with Naca, click here
Third option
Locate a local HUD certified housing counselor and practitioner support, counseling is free, you must attend a class first
HUD APPROVED COUNSELING AGENCIES
HOPE NOW 888-995-4673
http://www.hopenow.com/helpful_resources/helpful_resources.php
MORTGAGE LENDER DIRECTORY
http://www.hopenow.com/loan_services/servicer_directory.phpHOMEBUYER EDUCATION PROGRAMS
http://www.lacity.org/lahd/provider.htmTALK TO A CERTIFIED FORECLOSURE SPECIALIST
http://lahd.lacity.org/LinkClick.aspx?fileticket=XS1vkxnVgr8%3d&tabid=342STEPS TO TAKE TO AVOID FORECLOSURE
http://www.calhfa.ca.gov/foreclosure/foreclosure-other.htm
Bankruptcy Attorney including Immigration, Credit Repair Attorney , Jennifer Aragon, Bilingual - Spanish/English
Lupe Soto
Realtor in Burbank, SFV, SCV, AV
Successfully Representing Clients with Dreams
with Unmatched Dedication!
Representando Clientes con Suenos
con Inigualable Dedicacion!
www.BurbankinAction.com
www.CasasConLupe.com
If you or someone you know is interested in bank owned homes, foreclosures, or REO properties, fixers, probate sales, short sales, contact Lupe Soto at Burbank in Action Realty today! Thank you for your referrals! Si Usted conoce a alguien que este interesado en comprar, vender, venta corta, gracias por acordarse de Lupe Soto. Mis mejores deseos y gracias por su confianza y recomendaciones.

THE BEST (AND WORST) DAYS THIS MONTH FOR FOURTEEN IMPORTANT ACTIVITIES FOR October, 2008
WHY MAGI ASTROLOGY IS MUCH BETTER THAN TRADITIONAL ASTROLOGY
Buying real estate, selling real estate & investing in real estate are important events in our life. The day you sign the purchase offer, listing agreement, the day you put the property into the market, the day the offer is negotiated, the day you sign important loan document, the day you move into your new home may benefit when combining or selecting one of the following powerful days in each month. Lupe Soto, Realtor in Burbank CA, San Fernando Valley, Santa Clarita Valley, Antelope Valley in Los Angeles County, California uses Love & Money Calendar by Magi Astrology to time these important events. If you are interested in buying or selling real estate using astrology, new moon astrology or how to buy a house with good feng shui, please contact Lupe for a free consultation. 818-968-3718.
source: MagiAstrology.com 
| The dates below are the best (and worst) days in October, 2008 for the fourteen important activities described (to read about the criteria we use in selecting these dates click here). We have explained that the stars have been lousy for the last four months. That is the main reason for all the bad news you have been hearing about from every corner of the world. October is still bad but we getting close to the end of this string of hostile stars. Be patient, plan ahead and do not natalize anything crucial during these bad stars. There will be better times ahead. So once again, October is another bad month and there are no truly good days the entire month. This means that once again, the so called "best days" of October are really the "least bad" days of October. And once again, we advise that you do not begin anything really important on any day this month. If that depresses you, remember that you are lucky enough to know about this in advance - that gives you an edge over everyone else. If you are a member of the Magi Society, you may log onto our 2005 Members Only Website and view in advance an EXTRA MONTH of the Magi Society Love & Money Calendar. This allows our members to use the stars to plan ahead by an extra month. Members of the Magi Society may click here to begin the process of logging onto the new 2005 Members Only Website. |
| [Editor's Note: These days were chosen specifically as the best and worst days for the activities specified and you should not assume that a good day for one activity is a good day for anything and everything else. For example, a good day to get married is not a good day to get divorced.] |
source: http://www.magiastrology.com/october2008.htm
| FOR THE ACTIVITY LISTED BELOW: | THE BEST DAY THIS MONTH TO DO IT IS: | AND THE WORST DAY TO DO IT IS: |
| 1. Buy something you need, from just a toaster or clothes, to a car or even a house or condo | October 12, 13, 16, 17, 18, 23, 24, 25 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 2. Pay a bill, anything, such as credit cards, utilities, department stores, etc. | October 12, 13, 16, 17, 18, 23, 24, 25 - if you need to write a rent check for October, do it Sept. 28 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 3. Sign an important document such as a tax return, lease, etc. | There are no days in the entire month of October good enough for this activity. | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 4. Make a very important phone call | There are no days in the entire month of October good enough for this activity. | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 5. Start a bank or brokerage account | There are no days in the entire month of October good enough for this activity. | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 6. Go on a job interview | None of the days this month are really good but if you must, we suggest October 13, 16, 17 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 7. Meet someone new and important, such as a prospective client | October 12, 13, 16, 17, 18, 23, 24, 25 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 8. Go out on a first date | October 12, 13, 16, 17, 18, 23, 24, 25 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 9. Have an especially romantic evening | October 12, 13 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 10. Look for that special person who will fulfill your dreams | There are no days in the entire month of October good enough for this activity. | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 11. Ask for a commitment from a loved one, like a promise to be more understanding | October 12, 13 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 12. Ask for forgiveness and rekindle a relationship gone awry | October 12, 13 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 13. Start a new medication or begin anything new related to your health, including having any dental work done | October 12, 13 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
| 14. Initiate a new contact like calling someone you do not know and laying the groundwork for making a proposal later on, or having the first meeting with someone new like a doctor, lawyer, broker, etc. | October 12, 13, 16, 17, 18, 23, 24, 25 | October 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 28, 29, 30, 31 |
Lupe can help YOU in choosing the "right" investment property, single family residence, condo/townhouse, duplex, triplex, fourplex, aid your offer, price negotiation, financing, and skillfully guide you through all of the processes to help you make the right real estate decision! No need to go from agent to agent.
"You can go from agent to agent to agent, Lupe Soto, Exclusive Buyer's Agent Contact Lupe Today!
but you only need ONE AGENT
Interested in Selling? Call me For a FREE market evaluation on your property!
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