Real Estate Information

Tracy CA – Occupy Wall Street Protestors are not having the best success attacking Wall Street and the banks. But, that is because they are complaining about what they think is wrong with the situation.

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

If the protestors only knew the level of incompetence in the banks, then they would have a better argument. Here are some of the glaring mistakes we see the bankers make.

1. Doing an incompetent job on short sales and losing tens of thousands of dollars as a result. We have seen many banks turn down short sale offers only to foreclose on the home and sell it for $30,000 less.

2. Kicking people out of their homes only to lose more money as a result. Many people’s homes have dropped in value.

At the same time their income has dropped. But, they can afford to repay the bank, only a lower amount. But, do the banks make the loan modification process easy?

No. Instead, they kick people that could repay them $200,000 out of their homes and then sell the home for $165,000. Again, tens of thousands of dollars are lost.

Yes, I can appreciate that the Occupy Protestors are angry at how hard it is to get a job. But, what about the Americans that are kicked out of their homes?

What about the taxpayers losing thousands bailing out Fannie Mae, Freddie Mac, and FHA? A large part of that bailout cost is attributable to the lousy job banks are doing on short sales and loan modifications.

I think homeowners and taxpayers getting the raw end of the deal are the silent majority. But, we don’t have time to protest. so, the banks get away with incompetence. Enough of my rant.

Do you want to be part of the solution. Get a loan modification or short sale your home. You will be doing your part to help the economy. 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: What Occupy Wall Street Doesn’t Know About Bankers is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – The Greeks are finding themselves in hot water. They have maxed out their credit.

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

The government borrowed money and is having a hard time paying it back today. Here is what most people don’t understand about how a national economy works.

When the government reduces interest rates to boost the economy and spending, they are actually only acting as a co-signer on the loan. Here is a real life comparison.

Let’s say a wealthy person has lots of kids. I’ll call him Mr. Wealthy. To boost his kid’s economic activity he lends them money at 1% interest.

However, because he has so many kids, pretty soon he has lent all of his own money. So he starts borrowing money from someone else at 6%.

Pretty soon he has maxed out his credit. In addition, he is also paying the difference in interest payments between 1% and 6% each month. That difference is almost ready to eat up his remaining savings. After he runs out of money; he’ll be broke. Let me ask you a question?

How much longer will his kids be able to enjoy below market 1% interest rates?It doesn’t sound like much longer to me.

This is what happens when a government with a good credit rating borrows money and re-lends it to citizens for below market interest rates.

It sounds to me like Greece borrowed a lot of money from foreigners and is now having a hard time repaying the debt. A bailout from Germany, the EU, and the IMF hasn’t stopped their problems yet.

And it doesn’t look like it will be anything other than a short term band-aid.Many say that when Greece does default it will send shock waves thru the global economy.

Who really knows? Either way, it is still a good idea to get rid of upside down debt with a short sale. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atmikekwcv@gmail.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. mikekwcv@gmail.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: Do the Problems In Greece Affect Us? is provided as a courtesy to our viewers to help them make informed decisions.

14881 Cedar Ridge Ct, Lathrop, Ca

For Additional Information & Photo's click here

Style: Single Story
Square Feet: 1,383
Bedroom: 3
Bathrooms: 2
Lot Size: .18 Acre

3679 Hepburn Cr, Stockton, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 1,407
Bedroom: 3
Bathrooms: 3
Lot Size: .10 Acre

Tracy CA – The Stop Foreclosure Institute recently received this question from another agent. Here was his question.

“”Have you had any luck getting short sales done with no deficiency with Bank of America? My seller is a young couple. They received a job transfer but are very upside down on the house. David”

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

A Quick Note: The reason he is asking this question is because Bank of America uses the same short sale approval letter for all their short sales.

A clause in the letter states that BOA and or its investors may pursue the seller for a deficiency judgment. It is a standard, boiler plate letter put together by their attorneys.

Most short sale negotiators refuse to remove that language. BOA’s legal department puts it there because it protects them against lawsuits.

But, if you are a seller then you want to know for sure that you won’t be chase down for a deficiency. If BOA won’t remove that language, then you can’t know for sure whether or not you will be pursued for a deficiency.

Here was our answer to his question. We have convinced them to remove the deficiency language on a short sale. It’s just a matter of requesting it and the owner of the loan being willing to remove it.

(Bank of America doesn’t always own the loan themselves) Ask for an approval letter that states they are waiving all future collection rights.

Also, remind the sellers they also have a risk of being collected from in the future, after the bank forecloses. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atmikekwcv@gmail.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. mikekwcv@gmail.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: Will Bank Of America Approve Short Sales With No Deficiency? is provided as a courtesy to our viewers to help them make informed decisions.

2021 Erickson Cir., Stockton, Ca

For Additional Information & Photo's click here

Style: Two Story
Square Feet: 2,905
Bedroom: 5
Bathrooms: 3.5
Lot Size: .16 Acre

Tracy CA – The Stop Foreclosure Institute recently received this question from another agent. Here was her question.

“I was just told by the lender on a short sale that they will have to “close” the file because they buyer’s name changed. They said that due to Freddie & Fannie rules if the buyer’s name changes they require the file to closed and reopened.

That would cause the file to drag out another 60-90 days. It would make sense to simply process the file now rather than wait until later. Why lose all the works that has been done up until now just to do it all again 60 days from now?”

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

Here was our answer to their question. That sounds like a lie to me. Threaten to call Fannie Mae. The phone number is 202-243-5400.

Call them if it takes too long to re-open the new file. Oftentimes, they will re-open the new one in a week. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atmikekwcv@gmail.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. mikekwcv@gmail.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: Is This Lender Lying To Me? is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – The Stop Foreclosure Institute recently received this email from Karen. She had ask the us for some help on a short sale. Here was the email.

I sent an email to the lender on a short sale, utilizing the e-mail address list you provided. The email was sent at 1:43 p.m. this afternoon.

I received the Short Sale Closing Approval at 5:38 p.m. this evening. No promissory notes and no deficiency judgement.

Keep up the fight and thanks again for all you guys are doing! Karen.”

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

Our techniques work to help short sale sellers walk away without promissory notes or deficiency judgments. I wish I received approval letters that quick after sending an e-mail!

We have received them in 2-3 days, but not in a single afternoon. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail atmikekwcv@gmail.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. mikekwcv@gmail.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 Realtor Has Good Success Using Stop Foreclosure Institute Short Sale Negotiation Strategy is provided as a courtesy to our viewers to help them make informed decisions.

Tracy CA – The Stop Foreclosure Institute recently received an email from Mercedes. Here was her question.

“I need your help on how to escalate a file with Chase. Twelve months and still Chase claims the loan owner, Freddie Mac, will not help with buyer’s closing costs, wants a $36,000 promissory note or $15,000 cash from seller at closing!!

The buyer is willing to pay 4-5 thousand at closing and Chase claims Freddie Mac refused to accept that? I don’t believe they would rather foreclose and lose more money.” Mercedes.

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

Here was our answer to her question. Freddie Mac will normally pay buyer’s closing costs up to 3% of the sales price.

They have approved it on every single Freddie Mac file when the buyer needed it. In my experience, most Freddie Mac files have Private Mortgage Insurance, aka PMI.

PMI is probably asking for the $36,000, not Freddie Mac. If there is no PMI, then Chase is negotiating to hard. If that is the case, then contact Freddie direct. 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 To Escalate The File On A Tracy Short Sale is provided as a courtesy to our viewers to help them make informed decisions.