Providing Foreclosure Solutions

Help For an Unmanageable Mortgage

Mon, 06 Feb 2012 18:04:26 GMT

We know that foreclosure is not an event that happens in a month or two. It takes many months, sometimes over a year before someone loses a home. During that time, homeowners live in a cloud of uncertainty not knowing what to do. Many avoid discussing their situation so they never get the help they need while others seek out the help and they fall prey to scammers.

Since 2007, 7.9 Million homes were lost to foreclosure. Reports tell us that one out of four homeowners owe more than what their home can sell for. Many of these homeowners are in this situation due to circumstances beyond their control and not because they have not planned well.

Foreclosure impact credit and lives for many years. Sometimes, it complicates employment prospects. Everyone should know that foreclosure can be avoided. However, as I talk to homeowners, I realized that many homeowners are not aware there are many options to avoid it. Some ended up in foreclosure because they trusted and paid a company to do their loan modification and by the time they realized it was a scam, it was too late to save their home from foreclosure.

Lenders are now willing more than ever to help homeowners by cooperating with the short sale for homeowners to avoid foreclosure and prevent bigger financial losses. Many lenders even offer moving allowance to homeowners who cooperate in the short sale.

The best advise I can give homeowners who are going through hardship is to contact your lender and explain your situation. The most important fact to keep in mind is the sooner you seek help, the better your options to navigate away from the stress of an unmanageable mortgage and realize that better solution is within your reach.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide homeowners in distressful situation alternatives to foreclosure and ensure that they steer clear from scams. Times may be tough, however, there is more help available now.

If you know someone you care about who needs help, contact me today and I am ready to help.

Elizabeth Eugenio

For addditional information or if you need further assistance, please call me at (909) 248-3821 or email me at Elizabeth@HomesByLiz.info for a private consultation. Your privacy will always be respected and we will never share your information with anyone.

Why Fight Foreclosure?

Tue, 13 Dec 2011 17:28:58 GMT

The shift in the real estate market the last 5 years caught a lot of people off guard causing foreclosure more than we can imagine. Many people are in a dilemma and don’t know what to do. These homeowners fall into any of these 3 categores:

Those who bought or refinanced their home or took an equity line of credit around 2005 and now find they owe more on their home that what it can sell for;
Homeowners who face financial difficulties due to the loss of their job, loss of a spouse, divorce or other circumstances beyond their control and could be heading into foreclosure;
Home sellers who wish they sold their home sooner but did not and are now trapped into a high mortgage.

According to an article from HomeLogic.com called Fight Foreclosures in Your Community: “If you think your neighbor’s foreclosure doesn’t impact you, think again. According to a Center for Responsible Lending report, "Foreclosures lower the property values of nearby homes by $7,200, on average.

Foreclosures can affect your community in other ways. Vacant homes can invite crime, and public services can suffer as revenue from property taxes dries up. All isn’t lost, however. There are ways to fight foreclosures in your community."

If you are in a conversation with homeowners who fall in any of these 3 categories, be sure to give me a call. These homeowners need help and they need our help NOW! More than ever before, we need each other and together we can make a difference!

For addditional information or if you need further assistance, please call me at (909) 376-8615 or email me at Elizabeth@HomesByLiz.info for a private consultation. Your privacy will always be respected and we will never share your information with anyone.

The Latest Trend in Short Sales

Tue, 18 Oct 2011 12:41:41 GMT

The New Short Sale Process:

Recently, major lenders have been offering cash incentives to homeowners to pursue short sales instead of letting them go into foreclosure. Not only have they increased their staff to ensure short sale applications are processed in a timely manner but they are also proactively reaching out to CDPE Advanced agents to assist homeowners who are delinquent in their mortgage.

Are you wondering why? It is because the major lenders who have a glut of bank owned properties are now more eager than ever to avoid foreclosure for their own benefit and for the recovery of the economy of the real estate market and the national economy.

The media has not caught on to this yet, however, agents who are in the trenches helping homeowners in distress have in one way or the other been contacted either by homeowners who were instructed by their lender to contact a CDPE agent to assist them to short sale their home.

Recently, I was contacted by a homeowner upon the advise of her lender. She was not approved for a modification. She asked me to help her short sale her home. She was very well informed and knew what she had to do because her lender had explained the process to her already. It was an easy process for both of us. We received an offer in a week's time and the lender was also proactive in the processing of the file. They offered her an attractive incentive and that softened the impact of losing her house.

For addditional information or if you need assistance or merely want to discuss you situation, please call me at (909) 376-8615 or email me at: Elizabeth@HomesByLiz.info for a private consultation. Your privacy will always be respected and we will never share your information with anyone.

Nobody Needs to Suffer The Stress of Unaffordable Mortgage Payment

Sun, 07 Aug 2011 19:10:49 GMT

Each week, I check the statistics and researches on the latest foreclosure and distressed property statistics. The vast number of homeowners facing the stress of losing their homes never fails to amaze me so I had made it my goal to help as many homeowners I can either stay in their homes or relieve the burden of their mortgages. As I talk to people, I also realize the urgent need to reach out to these homeowners in the hope that I can prevent them from falling prey to scammers who victimize those who are going through financial hardhip. Knowing that there are so many that need my help is a driving force for me to continue to reach out to them and with your help, be able to help more homeowers.

In the hope of reaching out to more homeowners, I released another report that I’ve made available on my website today. If you know someone who would benefit from this, please feel free to forward it to them. It explains the CDPE designation and lists 10 options that homeowners can take advantage of to relieve the stress that comes with owing their mortgage lenders more money than they can afford to pay.

The report also draws a contrast between short sales and foreclosures. Unfortunately, there’s a growing trend of “strategic defaulters” who think it’s best to let their home go into foreclosure. There is nothing strategic about foreclosure; it’s one of the most long-lasting, negative financial challenges you can go through.

I’m excited about acting as a resource for more homeowners who have questions about what they should do. As always, if you know homeowners who may need my help, have them contact me immediately! Together, we can put them back on the path to financial stability and you will feel good knowing that you helped a family.

Isn't It Easier to Just Walk Away From My Home?

Thu, 19 May 2011 18:21:27 GMT

Some homeowners don't like to take the trouble of having to submit their paper work for short sale application. It is true that in order to file for a short sale, it requires time and paper work to be submitted to the lender so some homeowners bury their head in the sand and walk away from their property.

A foreclosure stays in your credit report for at least 7 years. While it may not matter to you now to have a foreclosure in your credit, I always remind my clients that you will never know when you will need good credit. Your children may need a college loan or a new car, or you may be holding a position at work that requires a credit check periodically.

The amount forgiven on a distressed sale used to be considered a taxable income. On December, 2007, the President signed the Mortgage Forgiveness Debt Relief Act of 2007 that allows homeowners to exclude up to $2 million of debt forgiven on your principal residence. This is effective up to 2012.

Before you make any decision whether to short sale or walk away from your home, it is imperative that you consult with your tax accountant so you can make an informed decision. This is a matter that needs serious consideration.

Should you have any questions regarding short sales and other options to avoid foreclosure, I will be happy to explain to you all your options. Remember, time is your friend.

I can be reached by phone, text at (909) 376-8615 or by email at Elizabeth@HomesByLiz.info,

For addditional information or if you need further assistance, please call me at (909) 376-8615 or email me at Elizabeth@HomesByLiz.info for a private consultation.

Will Hiring Someone to Modify Your Loan Increase Your Chances?

Thu, 19 May 2011 18:06:52 GMT

Recently, I had spoken to a homeowner asking me to short sale their home because their loan modification which was submitted by a company who charged them several thousands to submit their modification failed to inform them that their modification was approved. Due to this, the modification expired and their succeeding applications for a loan modification were declined. They did not really want to short sale their home but they felt that there was no recourse left for them but to short sale. This is a very unfortunate situation that could have been avoided.

First of all, the FTC has issued a ruling on January 31, 2011 regarding loan modification. The number one rule is that companies cannot charge homeowners an advanced fee to process their loan modification. These companies are prohibited from making false claims. The government has a free resource for homeowners who want to modify their loan. Counselors are availble 24 hours to help you. In my opinion, the homeowner is the best person to handle their own modification. New programs are made available and there has been a higher success ratios among those who have modified their loans.

We need to do our share and get the word out about government programs that are available to homeowners in distress.

For addditional information or if you need further assistance, please call me at (909) 376-8615 or email me at Elizabeth@HomesByLiz.info for a private consultation.

What Every Homeowner Should Know About Mortgage Relief Services

Fri, 11 Feb 2011 18:01:59 GMT

The Federal Trade Commission (FTC) issued a final ruling on the practices of companies that charge a fee to consumers for them to process their loan modification or other foreclosure prevention programs. The final ruling prohibits these companies to offer relief services that charge an advance fee. Furthermore, they are mandated from making false and misleading claims regarding their relief services and to disclose certain information regarding their services. Record keeping and compliance requirements have also been imposed.

We have heard many scams regarding mortgage assistance relief services and many homeowners have fallen prey to these unscrupulous foreclosure rescue services sometimes as much as $5,000 to $7,000. After paying the fees, they still lose their home and the person they gave their money to have disappeared without even contacting their lender.

This new ruling went into effect on January 31, 2011. Let's be proactive in disseminating this information to as many people as possible to prevent further foreclosure which ultimately leads to a decline in property value in our neighborhood.

When someone is in financial distress, they should first consult with a reputable Realtor who is knowledgeable and experienced in helping homeowners avoid foreclosure. Here are some of the most common options available to them:

1. Loan modification-if they want to keep their home. In my opinion, it is best handled by the homeowner themselves although there are government agencies that can help them modify their loan to lower their payments. There are qualification guidelines. This is a free service and no fees are involved.

2. Short Sale-if they have a hardship and owe more than what the house can sell for. Choose a Realtor who has experience in short sales. CDPEs are trained to assist homeowners with their short sale.

3. Deed in lieu-when a borrower returns the property to the lender.

4. Bankruptcy-has the greatest negative impact on someone’s credit. Most of the time, it only delays the foreclosure process

5. Foreclosure-when the lender takes the property. This creates a major negative impact on the borrower’s credit and stays on their credit for 10 years. This is a process and can be avoided if the homeowner acts quickly. Most foreclosures can be avoided.

For addditional information or if you need further assistance, please call me at (909) 376-8615 or email me at Elizabeth@HomesByLiz.info for a private consultation. I am here to help!

Benefits of Using a CDPE

Fri, 22 Jan 2010 15:18:18 GMT

As a Certified Distressed Property Expert, I have been trained to help homeowners in financial distress make informed decisions on the best alternative for their situation in avoiding foreclosure. Foreclosure is a stressful situation and the proper guidance and help is very important.

For a no obligation consulation, please call me at (909) 376-8615 or email me at: Help@StopForeclosureRemedies.com.

Foreclosures Still On The Rise

Fri, 15 Jan 2010 16:50:13 GMT

For addditional information or if you need further assistance, please call me at (909) 376-8615 or email me at Elizabeth@HomesByLiz.info for a private consultation.

How Can We Avoid Foreclosures?

Thu, 19 Nov 2009 00:25:33 GMT

Many homeowners who go into foreclosure because they have not received the correct information. Some homeowners in distress are not aware that there is no cost for them to sell their home as a short sale. I have been spoken to many homeowners who want to walk away from their home because that they think cannot afford to sell their home, resulting in the increase in number of foreclosures. They are not aware that the lender pays for the cost of selling.

The lenders approve the cost and the terms of a short sale. The homeoners need not pay for any of the cost of selling their home. With this information, there will be less homes that will go into foreclosure.

Other reasons for the increase in foreclosures is because they were not able to get their short sales approved. They just gave up or their time ran out and a Trustee Sale was scheduled. That is why it is very important to be represented by someone who has the experience and the knowledge to negotiate a short sale.

Others think that by going into foreclosure, they will not have to pay taxes on the amount "forgiven" by the bank. This is far from the truth because the lender incurs more costs on a foreclosure than a short sale. The homeowner may owe taxes on that amount. For verification, you should seek counsel with your tax accountant.

If you would like to know more about short sales, how it can affect your credit, the advantages and disadvantages of doing a short sale, give me a call. I am here to help. As a Certified Distressed Property Expert, you are assured that you are working with someone who has received advanced training to better assist you.

Elizabeth M. Eugenio
909-376-8615 / Help@StopForecloureRemedies.com

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:32 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Elizabeth M. Eugenio
909-376-8615

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away.

I'm here to assist you.

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Elizabeth M. Eugenio
909-376-8615

Short Sales vs Foreclosures

Short Sale vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future. Call me today.

Elizabeth M. Eugenio
909-376-8615

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.