People here in Riverside, San Bernardino & San Diego County, California and elsewhere are still trying to do modifications and are looking for help in order to keep their home.
Where do you go? Calling the servicer who holds your Mortgage is a start, but what do you say? Saying the wrong thing or going through the process without getting counseling beforehand will most likely make the task extremely daunting, let alone cause you to fail and not keep your home. Calling one of the many solicitations you get in the mail, on television, or the internet that says they will help you can also be a mistake for fear of being swindled out of $1000’s, even by an attorney no less, who supposedly has a track record of many, many successes?
Calling a non-profit organization that is free is definitely a better way to start, however if some charge a fee, they are not a nonprofit and this will leave you with that feeling of oh-oh, I got swindled again, I am just going to give up!!
I suggest you talk to someone who has personally gone through the process successfully, who is a licensed real estate agent, and will not charge anything for the advice. I know you’re asking “why would anyone want to spend time with me unless they are making a fee?” Or you say “I prefer to pay a fee or work with this or that company because they helped someone I know”…but they didn’t get the ultimate results (which I will talk about later). Or, what if you go talk to an agent who says he has experience, but really doesn’t–or what if they really want to just get the listing and sell your home as a short sale?
Whoa, what if you knew someone who would and did go through the process successfully, is a licensed real estate agent and doesn’t charge anything, then explains the reason why they wouldn’t charge you anything was because they will base their results on future business from you for having succeeded with you as the basis to forge a lifelong relationship with you as your real estate agent for life? What if I told you that I personally had over $120,000 in loans on my property forgiven and received an interest rate on my property of 2% with incentive money from the government to pay down my principle that was left on the existing mortgage on a monthly basis?
For those of you who live outside of Southern California, I suggest call me for personal direction. For those of you out there in process or starting a modification in Riverside, San Bernardino, & San Diego County, CA, I urge you to call me faster than your fingers can dial!! Thanks for reading and God Bless!
John A Silva (R)