Real Estate Information

Tracy CA – Buying a rental property can be an excellent long term investment. Some of the wealthiest people I know made their millions from rental properties.

They started with a house and gradually moved up to apartment complexes. But, does it make sense for everyone?

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

Most definitely not. Rental properties are not for the faint of heart. But, if you have ever considered rental properties now is a great time to get started.

The market is close to the bottom, if not at the bottom. Home prices are increasing in many areas. For example, St Augustine, Florida, Phoenix, and California have red hot housing markets.

Homes there are selling in days with multiple offers. Home prices are starting to go up in those areas. So, the housing market here may not be increasing yet. But, we expect it to soon.

On the other hand, the rental market has been increasing for a while now. Lots of people lost their home and can’t buy another one. We have seen rental prices get bid up with multiple people trying to rent the same home.

The Pros of Rental Property.

The tenant pays your mortgage payment. You won’t make a lot
of money while you have a mortgage. But, where else can you have someone buy and pay off something for you?

You start to make real money after the mortgage is paid off. In addition, some properties are so cheap that the rent will pay offa 15 year mortgage. So in 15 years you have a free house.

Rentals are a great hedge against inflation. Notice how gas prices are going up again? The prices of everything else increase with gas prices. Food, clothes, electricity, and everything else goes up.

That means your house will go up in value over the long term. But, you locked in the price when you bought it when prices were lower.

I don’t want to make it seem like rental properties are a no brainer. There are some risks involved. No one should buy a rental property unless they are prepared and understand the risks.

I’ll explain the risks in my next blog post. 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 2012 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 To Get Your Finances Back On Track After A Tracy Short Sale. Buy Rental Property is provided as a courtesy to our viewers to help them make informed decisions.

         2658 Woodshire Ct., Stockton, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 3,153
Bedroom: 4
Bathrooms: 2.5
Lot Size: .12 Acre

             401 Gonzalez St., Tracy, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 1,859
Bedroom: 4
Bathrooms: 3
Lot Size: .09 Acre

       10307 Point Reyes Cir, Stockton, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 2,147
Bedroom: 4
Bathrooms: 2.5
Lot Size: .12 Acre

Tracy CA – Are you upside down on your mortgage? Try this. Sit down and run the numbers. How much will your upside down mortgage cost you over the next 30 years?

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

Let’s say a homeowner bought a house 4 years ago for $600,000. Today, their house is only worth $400,000. In addition interest rates have dropped since then.

And, because they have “Jumbo Loan”, they are paying a higher interest rate than someone who bought a less expensive house.

Let’s run the numbers. The payment on a $600,000, 7% interest rate over 30 year mortgage is $3,991.81. Even worse, that homeowner will repay $1,437,051. That’s a lot of money!

Now, let’s compare this with the guy buying the home next door. He is paying $375,000 for the home because it is a pre-foreclosure sale.

His interest rate is 4.25%, because he is able to lock in today’s low interest rates. The payment on his $400,000, 4.25% interest rate over 30 year mortgage is $1,844.77. But, it gets worse.

The neighbor next door is only going to repay $664,117 over the next 30 years. He is paying less than half of what his neighbor is paying for his house.

It just doesn’t make sense to hold on if you’re struggling to repay a huge upside down mortgage.

You can short sale, wipe out the debt, rent for 3 years, and then buy your next home. The savings are huge! 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 2012 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 Why A Tracy Short Sale Is The Best Alternative To Get Out From Under An Upside Down Mortgage is provided as a courtesy to our viewers to help them make informed decisions.

1114 Cypress Run Dr., Stockton, Ca

For Additional Information & Photo's click here

Style: Single Story
Square Feet: 2,317
Bedroom: 4
Bathrooms: 2
Lot Size: .13 Acre

Tracy CA – Many homeowners considering a short sale are concerned about a deficiency. “Will I be forced to repay my bank for the $150,000 they lost”, they ask me.

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

The good news is that most homeowners are able to walk away from their home without paying their lender another dime. A big part of this is because their lender agrees to that as part of the terms of the short sale.

In addition, many states, such as California, require lenders to erase any deficiency when a homeowner short sells their home.

But, these are for cases when the homeowner is short selling their house and the lender has included language in the short sale paperwork specifically releasing the borrower from a deficiency.

What about situations where this isn’t happening. As an example, many states allows lenders to collect a deficiency after a foreclosure. even when a lender.

With a judicial foreclosure the lender already has a judgment they can use to garnish wages and levy bank accounts. So does that happen? We haven’t seen any cases of it happening.

We think the reason is because most homeowners simply declare bankruptcy when they are faced with sudden $100,000 bill. The lenders see this happen a few times and decide it isn’t worth the effort.

Taking a look thru court cases at the local courthouse hasn’t turned up any lenders collecting on a deficiency. Remember, there are thousands more foreclosures than deficiency judgments.

The lenders probably view collection on a deficiency as difficult and unlikely to bring much return on the investment. That is why we think they don’t even both with it.

What do you think? Please post your experiences in the comments section below. 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 2012 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 It Isn’t Likely Your Lender Will Collect Any More Money From You After A Tracy Short Sale is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – A Deed-In-Lieu is often called a “friendly foreclosure.” A Deed-In-Lieu is basically the foreclosure equivalent of a plea bargain.

The biggest beneficiary of a Deed-In-Lieu is the bank. They get a faster, easier foreclosure. But, what do you, the homeowner, get?

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

Unfortunately, not much. I see no benefit to a homeowner. Here are some Deed-In-Lieu myths I saw floating around on the internet. A well respected personal finance website is stating the following as though it is fact.

Here is the biggest myth this article has about Deed-In-Lieu: Your lender agrees not to initiate foreclosure proceedings if you agree to a Deed-In-Lieu.

The article would lead you to believe that somehow the lender would get the property without having to foreclose. That is simply not true.

A Deed-In-Lieu is when a homeowner simply tells the judge that they are not contesting the foreclosure in any way. The judge then bypasses the foreclosure lawsuit and schedules the property for a foreclosure auction.

So, the property is still sold at a foreclosure auction. It still shows up as a foreclosure on your credit report. This is why a short sale is a much better option than a Deed-In-Lieu.

With a short sale you avoid having the stain of a foreclosure on your credit. In addition, are eligible to get a loan to buy a home in 3 years instead of the 5 year wait necessary after a foreclosure. 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 A Ninth Common Tracy Short Sale Myth: A Deed In Lieu is not a foreclosure and therefore does not harm my credit like a foreclosure would is provided as a courtesy to our viewers to help them make informed decisions.

2123 Napa River Dr., Stockton, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 2,033
Bedroom: 5
Bathrooms: 2
Lot Size: .11 Acre

Tracy CA – A lot of people incorrectly think that bankruptcy is a “Get Out Of Jail Free” card. Yes, bankruptcy does not help a lot of people get back on their feet.

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

However, it is not a “Get Out Of Jail Free” card, despite what many people think. Let me explain why not.

Not everyone qualifies for bankruptcy. The bankruptcy laws were dramatically changed in 2005. Now you have to qualify for bankruptcy.

If you don’t qualify, then the bankruptcy judge will throw your case out. Your creditors will still be able to pursue you. They may be able to levy your bank account, garnish your wages, or take your tax return.

What can you do to avoid this? First, hire a highly qualified short sale realtor. Look for someone with lots of experience who will negotiate hard with the bank.

You want them to convince the bank to release you from the upside down mortgage debt. If they are unable to convince the bank to release you from the debt, then you need to consult with a good bankruptcy attorney.

Just like not all short sale realtors are created equal; not all bankruptcy attorneys are the same either. Find one that is highly experienced. They will explain the intricacies of bankruptcy law to you.

They will know whether or not you can qualify for bankruptcy. They may even know how to get you to qualify when other attorneys would say you aren’t eligible for bankruptcy. 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 An Eighth Common Tracy Short Sale Myth: I Can Erase Any Deficiency On My Upside Down Home By Simply Declaring Bankruptcy is provided as a courtesy to our viewers to help them make informed decisions.