Everyone Experiences Financial Difficulties and Everyone's Situation is Unique.

We understand there are many reasons why homeowners get behind on their mortgage payments. Unfortunately in 2008 a record number of California homeowners are receiving Notices of Default or losing their homes to foreclosure.

The recent news article below, describes the current situation:

Another Increase in California Foreclosure Activity
October 23, 2008

Mortgage servicers recorded 94,240 "notices of default" on homes during the July-through-September period up 29.9 percent from 72,571 in third-quarter 2007, according to MDA DataQuick.

This year default filings totaled about 40,000 for each month from March to August. In September the number dropped to 14,995 filings as a new state law took effect early that month. It requires that in many instances lenders must try to contact homeowners delinquent on their mortgage payments, then wait 30 days before filing a default notice.

During the first week of September, before the law took effect, roughly 2,000 default notices were filed each business day in California. In the week after the law kicked in, average daily filings plunged to less than 100, then went back up to around 500 daily the final week of September.

Of the homeowners in default, an estimated 20 percent emerge from the foreclosure process by bringing their payments current, refinancing, or selling the home and paying off what they owe. A year ago it was about 46 percent.

Trustees Deeds recorded, or the actual loss of homes to foreclosure, totaled a record 79,511 during the third quarter. That's the highest since DataQuick began tracking Trustees Deeds in 1988. Last quarter's total rose 25.6 percent from a revised 63,316 in the previous quarter, and rose 228.4 percent from 24,209 in third quarter 2007. In the last real estate cycle, Trustees Deeds peaked at 15,418 in third-quarter 1996. The all-time low was 637 in the second quarter of 2005.

Mediation is the Key to Stopping Foreclosure.

Many homeowners in your situation find it difficult to effectively communicate with their lender.

Although lenders in most cases do not want to foreclose on your home, you may be experiencing frustration in dealing with their bureaucracy.

A recent Freddie Mac, Roper survey of delinquent borrowers found nearly two-thirds were unaware of their workout options. Why? Because their lender didn't bother to inform them.

In many cases, borrowers end up agreeing to a workout plan, far less favorable than otherwise possible, due to a lack of experience and knowledge in negotiating with lenders.

Why California Homeowners Hire Us:

• We have more experience. For 3 years we've been helping California homeowners modify their loans and lower their monthly payments.
• We know how each lender works. We've worked with almost every lender and service company there is, the majority of them multiple times.
• We understand the situation from both borrower's and lender's point of view and work to mediate a successful solution for all parties.
• You don't have to worry about something going wrong. We have the experience and knowledge to guide you through the process.
• We will address your concerns and worries throughout the process.
• We position your case to take advantage of the best possible terms your lender can offer.
• We keep you updated throughout the process. Modifications take anywhere from 30 to 90 days.
• We don't take NO for an answer. We demand your lender offer a modification that's doable and affordable.
• Even after you've signed your modification documents we make sure your lender implements your modification correctly.
• You can call us anytime. We're available from 8 am to 8 pm Monday to Friday and Saturday from 10 am to 3 pm.

For the Month of December Only
In the spirit of the holidays we have lowered our fee from $595.00 to $395.00. Our goal is to work with as many California homeowners as we can this month to help them keep their homes and negotiate payments they can afford.

Let us be your Advocate.

We are Licensed Real Estate Professionals with the experience and knowledge of the lending industry to resolve your situation in the most favorable terms possible.

Our fee is fully refundable if the loan modification we negotiate with your lender is not accepted by you.

Warning:  Do Not Under Any Circumstances Add Anyone to the Title of Your Property, who Promises to Stop Your Home from Foreclosure.

Call Us First for Free Advice at 323-663-0436.