Real Estate Information

          2752 Houston Ave., Stockton, Ca

For Additional Information & Photo's click here

Style: Single Story
Square Feet: 1,120
Bedroom: 3
Bathrooms: 2
Lot Size: .10 Acre

Tracy CA – The Stop Foreclosure Institute recently received a question from Dan. Here was his question.

“My property is in rough shape and needs work. Can I still do a Short Sale? Dan.”

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Here was our answer to his question.You can still do a short sale. It is a fact that lenders are more motivated to do a short sale on a property that needs repairs than on a property that doesn’t.

Most lenders understand that the risk of loss goes up when they foreclose on a property that needs lots of work. Here is an easy way to get a discount approved for a short sale.

Show your lender that a lot of repair work is needed to bring the property back up to a marketable condition so it can be sold. Lenders are simply not set up to get any repair work done.

They are in the loan business, not the repair or handyman business. It really doesn’t matter the type of house or condition, all mortgages can be discounted.

The very best types of properties to perform short sales on are houses that are in rough shape and need repair work because the bank will often allow a bigger discount for it.

If you have a property that is in rough shape and needs work, do not leave it to be foreclosed. I am here to help. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on Tracy Short Sale Question: My property is in rough shape and needs work. Can I still do a Short Sale? is provided as a courtesy to our viewers to help them make informed decisions.

       2638 Presidente St., Stockton, Ca 

For Additional Information & Photo's click here

Style: Single Story
Square Feet: 1271
Bedroom: 3
Bathrooms: 2
Lot Size: .12 Acre

Tracy CA – The type of hardship that your lender will consider legitimate depends on the mortgage company considering the Short Sale request.

In general, so long as the hardship is real & acceptable and the mortgage company believes the loan is likely to become delinquent. As a result, the Short Sale request will be processed by the Loss Mitigation Department.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

A big key to getting your lender to accept a hardship is to submit a strong hardship letter. The hardship letter sets the tone for the entire file.

This letter must be honest and represent the facts clearly. It must prove to them that the situation that caused you to fall behind was temporary and you are now in a position to make your payments on time.

Below are examples of “hardships” that are common and frequently accepted by mortgage lenders.

1. Family illness or injury.

2. Illness or injury in the extended family – particularly if it forces relocation.

3. Job relocation when the property is equity deficient.

4. Job loss or significant income loss.

5. Divorce or split of domestic partners.

6. Adjustment in mortgage payment or unforeseen increase in living expenses.

Your lender will expect you to submit any relevant documentation that supports your claim of hardship. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on Tracy Short Sale Question: What Kind Of hardship Would My Lender Consider Legitimate? is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – With a forbearance agreement, your bank agrees to hold back on its legal right to exercise foreclosure on you. They do this by coming up with a plan to bring you current on your mortgage payments after giving you some kind of a breather period.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

In Forbearance, your mortgage payments are either reduced or suspended for a time agreed on by your lender.

After the Forbearance period, you will be expected to resume making old payments plus make some additional partial payments to cover the arrears and eventually get the loan current.

Banks may stipulate that you make a single, lump sum payment by a given date to cover the missed payments.

The mortgage company may be willing to grant forbearance to persons whose incomes have been reduced temporarily for a number of reasons such as job loss, unpaid mandatory leave, illness or other emergency.

Before asking for such a loan modification, you should be ready to demonstrate your good-faith efforts to pay your mortgages and other bills and to reduce expenses.

This will only do more good than harm to your credit and therefore help you gain the confidence of your mortgage company. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on Tracy Short Sales: How To Keep Your Home With A Forbearance Agreement is provided as a courtesy to our viewers to help them make informed decisions.

        9235 White Water Ln., Stockton, Ca 

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 2960
Bedroom: 4
Bathrooms: 3
Lot Size: .13 Acre

Tracy CA – You may be in a situation where your income dropped for a few months and then went back to normal.

During that time period, your got behind on your mortgage and other payments. Don’t worry, this isn’t a doom and gloom problem.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

Many people missed payments for up to 18 months and still kept their home. In two cases that come to mind, their lender simply forgave the missed payments.

They started fresh with payments very close to their prior payments. In one of those cases, the homeowner’s payments were reduced by $1,000 a month.

The key is to convince your mortgage company that you can still afford your home. You will need to prove a couple of things:

First, that the problem that caused your mortgage payment disruption was clearly beyond your control. An example of this could be an illness, temporary disability, or injury.

Second, you will need to prove that you are now in a good position to stay current on your payments and make some progress towards repaying the unpaid amount. (They sometimes ask for you to repay the missed payments over the course of 6-12 months.)

You will need to convince your mortgage company that you’re back on your feet financially. You need to show that you will be able to make your payments without a struggle.

If you are in this situation, do not wait for your home to be sold without exploring the options available to you. Please contact me for more information on my free loan modification guide that will help you with a Forebearance or Loan Modifcation.

Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on Tracy Short Sale Question: I Had A Temporary Income Problem. Do I Still Need To Sell My Home? is provided as a courtesy to our viewers to help them make informed decisions.

        760 Limestone Ave.,Lathrop, Ca

For Additional Information & Photo's click here

Style: Single Story
Square Feet: 1,040
Bedroom: 3
Bathrooms: 2
Lot Size: .12 Acre

Tracy CA – A short sale is often viewed as the only alternative to foreclosure because it mitigates additional fees and costs to both the creditor and borrower.

By doing a short sale, you will retain some dignity in knowing that you sold your home and you will have no mortgage payments to make.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

You will also be eligible, under Fannie Mae guidelines, to buy another home in 2-3 years instead of 5 to 7 years. According to our research, if your credit report does not reflect a 60-day+ late pay, under Fannie Mae guidelines, you are eligible to buy another home immediately.

Below are some of the Highlights of a Short Sale:

1. Your lender agrees to allow you to sell your home and walk away without owing any money.

2. You avoid foreclosure and the huge credit damage that goes with it.

3. You retain control over the timing of the transaction and when you move.

4. In most cases, the homeowner gets a full release from the debt and is not financially responsible to repay the lender for their loss.

The transaction is usually completed at no cost to you. The sales costs: commissions, title and escrow fees and most other costs – are all paid by the lender.

A short sale is an amicable solution to a difficult problem. The homeowner wins by getting the home sold, getting the loan paid off and having the ability to move forward without a negative impact on their credit.

The lender wins by saving the added expense of the foreclosure process.Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on Tracy Short Sale Highlights is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – A successful short sale helps the seller to avoid any credit damage that could be brought about by a foreclosure.

Such damage is not something to admire as it may take a minimum of seven years for someone before it goes off your credit report. That is why is it best to do all you can to avoid it.

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

When you short sell you house, you will recover quickly from the dings of late mortgage payments, provided you can keep your other accounts current.

In such a case, consider allocating money to meet basic necessities first. You also have to pay other bills to keep as many accounts current as possible.

When deciding which credit bills to pay review the terms of your credit accounts. If you are using a credit card to temporarily pay for necessities, you should be sure not to jeopardize the availability of that account.

By so doing, you will keep the necessary accounts current. I want to help make it possible for your credit to recover quickly. A Short Sale may be just one part of a larger effort to get you through a tough period.

I have helped many others to successfully come out of what they thought to be “a tough and an unavoidable” situation and I can help you as well. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atfrank@thesilveriateam.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 209.835.9300

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

Thinking about a loan modification? Our Tracy 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, Frank G. Silveria III.

Frank G. is a Real Estate Agent at Taffeco Real Estate.

Phone: 209.835.9300. frank@thesilveriateam.com.

Helping Families One Home At A Time

View My homes for sale at www.thesilveriateam.com.

Frank G. Silveria III specializes in loan modification assistance and short sales in Tracy California. Tracy Loan Modification Help, Tracy Short Sales. Tracy Short Sale Realtor. San Joaquin CA Loan Modification Help, San Joaquin CA Short Sales. San Joaquin CA Short Sale Realtor. Kissimmee FL Loan Modification Help, Stanislaus County CA Short Sales. Stanislaus County CA Short Sale Realtor. Tracy CA Short Sales. Tracy Realtor.

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

Important Notice

Frank G. Silveria III, Taffeco Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse 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.

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. 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 Frank G.’s personal views and do not reflect the views of Taffeco Real Estate.

This information on How Does A Tracy Short Sale Affect My Credit? is provided as a courtesy to our viewers to help them make informed decisions.