Make the right decisions when it matters most!

Where are the Short Sales and REO Listings?

Wed, 09 May 2012 16:59:18 GMT

Where are the Short Sale and REO Listings?

May 9, 2012

The Santa Clara County real estate market has been affected by the short sales and bank owned REO (Real estate Owned) like other areas and currently my monthly research shows that we have been at a approximately 20% short Sale to 10% REO range, leaving approximately 70% to be regular sales. With so much negative news about the bad real estate markets throughout the nation, I find that this can be a big shift in what the general public perceives of our local market. That said, I am still helping many clients avoid foreclosure and complete a short sale with great success and did a quick research to see where most of the short sales and REOs are, and, no surprise, it is in the lower priced properties. The lower priced homes and buyers have unfortunately been hurt the most from this financial catastrophe that we have been mired in for the past seven years and many experts predict it will still take a couple more years to sort out these properties. The Santa Clara County short sales still needs help and we are ready to help so contact me for a free consulation and find out your options today. No one should have to get a foreclosure if you have any number of hardship qualifications.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Chase Bank Provides Up to $35,000 for Short Sales

Tue, 08 May 2012 12:57:15 GMT

Chase Bank Provides Up to $35,000 for Short Sales

May 8, 2012

In case you have a Chase Bank loan, they are now providing up to a $35,000 incentive to borrowers to do short sales if you meet their qualifications. Current Chase borrowers who are behind in their payments may have received a letter stating this is a new strategy to help them process the short sales in a more efficient and cooperative manner. Does that mean it is a guarantee of $35K? No, but it can only be a good start especially for those borrowers who have a hardship and are looking for some meaningful assistance and short sale relief. Contact me if you have any questions about this or any other programs to help you avoid foreclosure today! Our current Santa Clara County real estate market is still about 20% short sales and 10% foreclosures and will likely still be relevent for the next several years.

The current tax benefits are expiring at the end of 2012 so you really may want to take action if you are having a hardship and want to avoid foreclosure, which virtually anyone with a legitimate hardship will surely want. As a San Jose and Santa Clara County short sale specialist serving the Silicon Valley, I am committed to help you level the playing field, especially with the large banks, with the professional care and representation you deserve. Let me help you make the right decisions when it matters most.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

FORECLOSURES DOWN IN 2011

Thu, 12 Jan 2012 14:46:34 GMT

Foreclosures Go Down In 2011

January 12, 2012

RealtyTrac , an Irvine based foreclosure tracking company, stated in a report that foreclosure filings, which include default notices, scheduled auctions, and bank repossessions, came down by a whopping 34 percent in 2011, the lowest level since 2007, just as the housing market was starting to crumble. There were filings on 1,887,777 homes last year, according to RealtyTrac.

Bank seizures of homes came down to 804,423 from 1,050,500 in 2010, which is also marking the lowest level in four years. Nevada ranked as the state with highest foreclosure rate for the fifth year in a row, with one in 16 Nevada homes receiving at least one foreclosure filing in 2011. Nevertheless, Nevada saw a 31 percent decrease in foreclosure activity for the year. The length of time for foreclosure processing continued to increase in the final quarter of the year. Homes took on average of 348 days to move through the process, up from 336 days in the third quarter and 305 days in the fourth quarter of 2010. The foreclosures took the longest in New York state, where homes foreclosed in the fourth quarter took an average 1,019 days to complete the process.

RealtyTrac also released foreclosure activity for December, which fell to a 49-month low of 205,024 homes, down nearly 9 percent from November. But bank repossessions rose 10 percent to 61,774.

The San Francisco Bay Area activity has slowed down significantly, which makes sense when our bay area is considered one of the strongest markets recovering from the real estate meltdown. Santa Clara county went down over 19% and San Mateo county went down over 23% in 2011. Be sure and see the blog article yesterday “Economic Forecast 2012” for more data. This is another strong sign that the local market tide is turning around. Contact me for more information.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

DISTRESSED PROPERTY SOLUTIONS 2012

Wed, 11 Jan 2012 12:14:48 GMT

DISTRESSED PROPERTY SOLUTIONS 2012

As the local real estate market continues to evolve, how does this affect you, the potential property owner who has a distressed property or financial hardship situation? Is there any meaningful relief in sight? What are your best options? Keep in mind that these programs for people who have a financial hardship or will have one soon if nothing is done, and there are many catagories to help you qualify. The banks will not allow borrowers to simply get out of a loan just because the loan is greater than value, especially if they have some assets.

If you want to try to keep your home, the feds and lenders are trying to make it easier for you to do a loan modification if you qualify. There must be a reasonable financial hardship and you must be generating income to do a loan modification. To find out your options, go to http://www.makinghomeaffordable.gov/Pages/default.aspx

and see how their recent relaxed guidelines may allow you to keep your home.

If you can not qualify for a loan modification, and you can not come up with any funds to keep making your payments, then your basic options may be to do a short sale, deed in lieu or a foreclosure. All will eliminate the debt however each can have a major affect on your credit report and ability to buy a future home or major purchase, so it is important to seek the counsel of a reputable Realtor, CPA and attorney to make sure you know exactly how each will affect you. As a broker for 24 years and helping many clients resolve their financial hardships and understand how this affects them in the "big picture," you really need to work with a specialist who works with this topic as the large percentage of agents do not take any special training or have a specialist designation in this field. And, tax benefits are scheduled to be eliminated in 2012, so now is a good time to find out before the window of opportunity runs out.

To find out more about this huge topic, give me a call for a FREE consultation and find out your best options and solutions today.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

BAY AREA ECONOMIC FORECAST 2012

Wed, 11 Jan 2012 11:48:44 GMT

ECONOMIC FORECAST 2012

JANUARY 10, 2012

I attended a recent Wells Fargo economic forecast for 2012 yesterday at the Santa Clara Marriott and I am happy to report that the prognosticators are looking for a slight increase in the Bay Area real estate and prices likely to go up for this year. WF Senior Economist Gary Schlossberg indicated that he foresees a small 2.5% economic growth for 2012, and we are in much better economic condition that most of California and the US markets. He indicated that with super low interest rates (4% and lower!) and prices, we have the highest affordability ratio for buyers and investors im many years, so now may be a great time to jump into the Bay Area market before values go up further.

High tech and a strong state economy have helped change the tide. This is not to say we are out of the economic "meltdown" as the state and nation have a few more years to go. Short sales, foreclosures and the "shadow inventory" of banks will continue to affect our economy, especially in the lower price range, however, we here in the bay fell down faster than the nation for the past few years and are now improving at a faster rate than the rest of the nation.

Vaughn Irons, CEO with APD Solutions, LLC stated that the short sales and foreclosures are still increasing and will affect real estate and the economy for at least a few more years. He says that his research indicated that people are still confused about real estate and taking action due to lower consumer confidence.

Ralph DeFranco, Senior Economist for PMI Mortgage Insurance Co, and another speaker, projects that we will have a 6% increase in the number of real estate sales in 2012 and a greater increase thereafter, confirming that the Bay Area market and the San Jose market in particular will grow faster, fueled in large part by high tech growth.

The consensus with the local agents is that the

Bay Area has already started to pick up. I, for one, feel that the homes and condos below $600K have been very active last year and all expectations are the same for this year with many multiple offers, one benchmark for market strength and activity. With the economist projections to go up in value, and with the highest affordability ratio in many years as well as current pressure to keep interest rates down super low, now is a fabulous time to refinance, buy or invest so don't delay! Call or email me today for a FREE consultation to find out how you can benefit from today's market and review your special circumstances.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

SCAM WEBSITE INFO

Wed, 21 Dec 2011 17:40:43 GMT

WARNING:
==========
Recently the FTC has released a rule to protect struggling homeowners from mortgage relief scams. A copy of the rule can be viewed at the link below:
http://www.ftc.gov/opa/2010/11/mars.shtm

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

HARP REFINANCE PROGRAM EXPANDED

Thu, 03 Nov 2011 20:13:23 GMT

HARP RefinanceProgram Expanded

November 3, 2011

Borrowers who are current on their home loans may be able to refinance for lower interest rates, even if they are seriously upside down. The Federal Housing Finance Agency (FHFA) announced today that it will broaden the scope of the Home Affordable Refinance Program (HARP) by removing the current 125 percent loan-to-value cap for fixed-rate mortgages backed by Fannie Mae and Freddie Mac. Other program enhancements include, among other things, reducing certain fees, eliminating the need for a new property appraisal if the FHFA has a reliable automated valuation model (AVM) estimate, and extending HARP until the end of 2013. New federal guidelines for the HARP changes should be released to mortgage lenders and servicers by November 15.

The basic eligibility requirements for an enhanced HARP loan are as follows:
• Existing mortgage loan must be owned or guaranteed by Fannie Mae or Freddie Mac. To check whether a borrower has a Fannie Mae or Freddie Mac loan, go to http://www.makinghomeaffordable.gov/get-assistance/loan-look-up/Pages/default.aspx.
• Existing mortgage loan must have been sold to Fannie Mae or Freddie Mac before June 1, 2009.
• Existing mortgage loan cannot have been refinanced under HARP previously (except for Fannie Mae loans refinanced between March and May 2009).
• Current loan-to-value (LTV) ratio must be more than 80%.
• Existing mortgage loan must be current, with no late payments in the past six months, and no more than one late payment in the past 12 months.
More information is available from FHFA at http://www.fhfa.gov/webfiles/22721/HARP_release_102411_Final.pdf.

This is great news for homeowners who are current and are looking for solution to their real estate financial concerns. Let me know how I can help you make the right decisions when it matters most!!!

DO YOU QUALIFY FOR A HOME AFFORDABLE REFINANCE?

Thu, 03 Nov 2011 19:55:27 GMT

DO YOU QUALIFY FOR A HOME AFFORDABLE REFINANCE?

November 2, 2011

You may be eligible for a Home Affordable Refinance to take advantage of lower interest rates if your loan is owned by Fannie Mae or Freddie Mac. Your loan company can tell you who owns your loan. Find their contact information at http://www.makinghomeaffordable.gov/get-assistance/contact-mortgage/Pages/default.aspx

Additionally, you can also contact Fannie Mae and Freddie Mac directly by clicking on the link http://www.makinghomeaffordable.gov/get-assistance/loan-look-up/Pages/default.aspx

This can be a great opportunity for you if you want to refinance and keep your home if you qualify. I went to a recent real economic forecast today and the speaker said that we will be getting new governmentally backed programs to help those that homeowners that are current with their loan payments but upside down with their equity... meaning the loan balance is higher than the value of the property. Stay tuned for more news or drop me a message via email to discuss your situation.

James Endo

Broker, ABR, CDPE, CRS, QRS, SRES

CDRE #00993009

Helping you make the right decisions when it matters most!

Bank If America Outreach Event

Wed, 10 Aug 2011 19:40:09 GMT

Bank of America Outreach Event Event

August 10.2011

With all of the borrowers still trying to get some relief from financial hardship with their mortgage loans, Bank of America is sponsoring a special FREE event August 18 through August 20, 2011 in South San Francisco. If you would like to get more personalized attention and speak to someone directly, then this will be sure to help. Attached is a link for more information:

http://www.jamesendo.com/My-Blog

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

SB 458 PASSED-WIN FOR SHORT SALES

Sun, 24 Jul 2011 13:45:53 GMT

SB 458 PASSED-WIN FOR SHORT SALES

JULY 22,2011

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

I just wanted you to know that the California Senate Bill 458 was signed into law on July 15 and is effective immediately for all short sale transactions the close after July 15, 2011. Among others, the law provides that junior lienholders no longer have any deficiency rights against the borrower after a short sale.

This law is being touted as a huge victory for borrowers because it removes the potential for deficiency liability after the short sale is completed and thus brings more certainty to the short sale process for borrowers. Additionally, it is hoped that by removing this negotiating impediment, that the short sale process will be quicker and smoother for homeowners looking at this option.

It can possibly make the sale challenging, particularly for those with larger second liens where they may not be so open to cooperating with a short sale approval. Obviously, be sure to know your options before you consider any actions.

Wishing you great results.

NEW RELIEF FOR UNEMPLOYED HOMEOWNERS... AND OTHER OPTIONS

Wed, 13 Jul 2011 10:57:28 GMT

NEW RULE RELIEF FOR UNEMPLOYED HOMEOWNERS... AND OTHER OPTIONS

July 13, 2011

The Federal Housing Administration is providing relief for homeowners who are out of work by extending the forebearance period to 12 months, as reported in the most recent Council of Residential Specialists Member Connect Newsletter.below. This will apply to banks, servicers, as well as those with the Making Home Affordable program. Allowing more time will fulfill the goal to provide borrowers additional time to keep their home, if possible, as many seek employment in this often volitile economy.

Allowing as much time for the homeowner makes sense if it will help them retain their home. While there are still challenges with equity, my experience shows that many would like to keep their home if possible. It is a big decision for most, and an easy decision for many.

It is never easy to lose your hard earned investment, and yet, know that all is not lost if you do not keep your house. As a broker for 24 years and member of the Distressed Property Institute and CDPE designee, I understand the process, helping many through this often emotional time, and I want you to know that all is not lost. There is mostly "light at the end of the tunnel." The main thing is to know your options and work with a specialist who is experienced in this area. The fact of the matter is that most agents are not well versed in this area, a critical area in a volitile market, and with new laws coming out regularly, a process that requires a strong skill set, and so much riding on your decision, working with a specialist will improve your best choices.

How do you know you are working with the right professionals? Great question! Just because an agent has a license is clearly not enough in this area.

Here are five tips to consider when selecting the right assistance:

1. Do they connect with you? Can you communicate with them? Do they ask you many questions to make sure your wishes will be fulfilled? Are they willing to be direct with you or give you what you want to hear?

2. Do they have real experience in the "distressed property" arena? To me, this means understanding the rules, options, and having a good track record of negotiation success. Remember, there are multiple options for you.

3. How do they keep current on the many new rules and process changes? Do they belong to a specialty group or have a recognized specialty designation? What are their credentials?

4. Do they say they have all the answers or do they make sure and strongly advise you to seek legal and/or tax counsel? Do they have the resources and systems to ensure your success?

5. Are they willing to provide some references? Do they have any testimonials? Is their service transparent to the consumers?

If you would like to find out your options and see what are your best options, contact my office for a FREE consultation so you can make the best decisions possible. Put us to the task to ensure your success. Let us help you make the right decisions when it matters most!

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

FORECLOSURES DOWN IN MAY 2011

Wed, 22 Jun 2011 11:17:43 GMT

FORECLOSURES DOWN IN MAY 2011

June 22, 2011

The foreclosure property figures came down in May, 2011, reports the CRS Member Connect Newsletter, distributed to all CRS designees. Only 5% of all real estate agents are awarded the Certified Residential Specialist (CRS) designee, based on education, experience and results. Nationally, the foreclosure volume declined two percent from the previous month, or one in every 605 homes, or 214,927 properties nationally. The newsletter reports that California has the third highest number of foreclosures, with one foreclosure filed every 259 properties.

In Santa Clara County, my own research of the data provided by MLSListings.com indicates a continual down trend of foreclosures from 10.5% of all active single family residential listings at the beginning of 2011 to 5.2% as of 6/19/11. This area is much stronger market than the nation and state as a whole. Condos have generally faired well, with only 13% of all listings for sale being foreclosures, and this is a reduction from 19.6% at the beginning of the year. Overall, our county has one of the lower percentages of distressed properties in the nation.

Short sales also continue to come down in the county as well, from 32.1% of all active single family residential listings for sale at the beginning of the year to a current 20% of the market now. Condos went down from 43.1% to 33% of the current active market.

Overall, sales units sold have been close to 2010 figures, which seems a little quiet from my perspective and 24 years of experience, but this is good for those that can benefit, such as short sale sellers, investors, and buyers. Any consideration would require a careful analysis to see what is best for today's consumer who is considering a sale, purchase, investment or short sale and avoid foreclosure. Believe it or not, we have had many multiple offers representing our sellers and buyers! Contact my office for a FREE consultation and see how you may benefit by taking action today.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Electronic Signatures, Anyone?

Thu, 02 Jun 2011 18:45:10 GMT

Electronic Signatures, Anyone?

June 2, 2011

More and more real estate documents are being signed by electronic signatures, or E-Signatures, which will help save millions of dollars in time, dollars and resources. Think of it, your agent says you have to sign 30 pages of contracts, disclosures, and forms, and return it ASAP! What do you do? You may get the documents via email, then you have to print it, then sign and complete it, then scan it, and then send it back, a very time consuming process that also uses resources. Ugggggh! With an alternative E-Signature, you receive the same email documents, and with the click of mouse, you can sign or fill in the required information,and then send it back in a matter of seconds or minutes compared to way more time and resources. It almost feels like a game to see how fast you can do it so be careful!

Be sure and read all documents before you sign. Make sure and keep a copy with all your real estate documents. Discuss all key points with your advisor before you sign. And remember, you are supposed to get a copy of all the completed documents you sign.

While there was initial resistance to using this method and concern about fraudulent uses in the industry, virtually all my clients, short sale lenders, and vendors use e-signatures. A recent Mortgage News Daily article indicated that various government entities are pushing to use E-Signatures for their many forms.

As a real estate broker for 24 years and a San Jose and Santa Clara County Short Sale Specialist, we work with many, many files. The market has been very active, and especially active is the under $500K market for both investors and new/move up buyers. This year, about the only entity that required "wet" signatures in my transactions and short sales were Bank of America. Keep in mind this is a gross generalizations and perhaps you have experienced many others. However, virtually all other banks we have been negotiating short sales and foreclosures, other agents, our clients and vendors have been accepting E-Signatures, making this agents life and his clients very grateful for the savings in time, money and resources!

To find out more ways to make your real estate experience more easier and convenient, contact your local experienced professional and find out if they are offering this valuable service.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Mortgage Fraud Down in 2010

Wed, 18 May 2011 10:29:37 GMT

Mortgage Fraud on Downturn

May 18, 2011

With so much going on in the real estate and finance field, a newsletter article provided by the Counsel of Residential Specialists, a top Realtor designation group and subset of Realtor.com, reports that mortgage fraud is down in 2010 compared to the last 5 years, a welcome news during this mortgage crisis.

This article reports that Florida still leads the way with the most mortgage fraud, followed by New York and California.

MARI analyzes the current status of subscriber-verified residential mortgage fraud and misrepresentation in the U.S. committed by industry professionals, which is based on research submitted by LexisNexis Mortgage Asset Research Institute subscribers. To read the full report, go to http://www.lexisnexis.com/risk/fraudreport .

The reduced number of fraud incidents may be attributable to less loan originations, less actual resources to police fraud, and the overall climate to reduce fraud. This article says that the reduction does not always translate to actual occurrences of mortgage fraud, which many feel are still going up, according to several industry resources, including Mortgage Fraud Suspicious Activity Reports (SARs) submissions.

As a real estate professional for the past 24 years and a Short Sale Specialist and CDPE, I have seen some shocking examples, from overstating income to forgery and creating files, which have led to some part of our current mortgage crisis including short sales and foreclosures, and slow and sometimes painful recovery.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Santa Clara County Distressed Properties

Mon, 16 May 2011 13:05:34 GMT

Local Market Still in Distress

May 15, 2011

Distressed properties continue to linger here in Silicon Valley reportsZillow in a recent article in the San Jose Mercury News. Approximately one third of the homes sold in Santa Clara County continue to be sold at a loss in the first quarter of 2011. About 36 percent of all sold properties sold were for less that what homeowners purchased at and nearly 15 percent of all home in our own Santa Clara County owe more than the property is worth.

My own research recently showed me an even more startling numbers. A review of the sales statistics from the MLSListings site, a website for Realtors, shows that 63% of all single family residences, or houses, under the $500,000 price are in distress, reported as short sales and foreclosures, 69% under $400,000, and approximately 72% under $300,000. Obviously the lower priced homes and their owners have been impacted more severely.

While this has impacted most markets, I notice that more investors are taking advantage of the current market, as both investors and home buyers are taking advantage of the low prices and lower interest rates. From my own experience, I know most of all my listings are selling with multiple offers, and the good ones will sell fast, so dont wait if you are ready to buy.

Surprisingly, the current 2011 inventory has not swelled up and active listings are still around the similar numbers as in 2010.

For more information or to make a comment, contact me today.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

CAN YOU REALLY AFFORD YOUR HOME?

Sat, 07 May 2011 11:06:10 GMT

CAN YOU REALLY AFFORD YOUR HOME?

May 7, 2011

Many homeowners come to me in tough financial situations wondering what they can do. They often purchased in the 2003-2008 period with "interest only" or "option ARM" loans, what we know are a major cause of our current mortgage crisis, and allowed homebuyers to buy at above their ability to purchase, thus allowing to buy way more house that they really can afford OR possibly refinanced to take cash out for other investments or purchases. Who knew that they eventually jumped into peak of the real estate market in what would become one of the worst mortgage crisis and economic downturn in a long time... in not ever.

Many of these brave souls that come to me (God bless them for having the courage to take actio) have payments that are really up to 3-4 times what they can really afford. Isn't it amazing how this happened in the first place?

Can you really afford the home or investment you have? Are you dipping into your savings... or worse, your investments or retirement accounts to keep this house. Are you using your credit cards to stay afloat? Borrowing from parents to make ends meet? Generally speaking, 1/3 of your monthly income should go to your housing expense, 1/3 to living,saving expenses, and 1/3 to... you guessed it!... Uncle Sam in taxes. If your loan was fully amortized, another words, not interest only or below, you should fall close to these ratios. This is a very simplistic example, and again, every situation is unique to speak to a professional.

If you are, then you may have a greater "financial hardship" than you realize. I am priviledged to see what is going on and there are those that are taking action and those that will not and let their homes go into foreclosure, which, in my opinion, does not have to happen.

There are many ways to deal with this problem and many service providors, Realtors, Lenders, and couselors, to name a few, specialize in this area, like myself, and who can really help. If you qualify, you may be able to keep your house or lower your payments, and if you dont qualify, there are still many ways to avert a foreclosure, which has additional stigma and baggage in our society. In fact, some borrowers can lose employment due to this issue alone.

This is a complex situation and each borrower is unique and has special circumstances, so it is important to seek the counsel of a professional, and someone who specializes in this area is even better. There are many service providers who sorta help people or offer services, but... BE CAREFUL. I know in my field, real estate, we have two tiers of real estate agents... those that truly study, real, "eat and breath" loan modifications, short sales, and foreclosures... and those that chose not to for various reasons. As an example, I have read that the average agent has a 10% success ratio with helping clients do short sales and get out of the financial problems. I am grateful to share with you that I have over a 90% success ratio helping our clients get out of these bad loans and onto the road to recovery, so experience and track record matter more than ever... TO YOUR SUCCESS.

The market place has created many scams that prey on those with financial stress. For information about frauds and scams, go to the website at http://dre.ca.gov/cons_alerts.html so you can be better protected.

I have clients that have taken action and been fortunate. Some have been able to keep their house, and lest you think agents are immune to this, I have personnally received a loan modification and am keeping our home if possible. Many were able to remove this financial stress and hardship, and now they are free to start over, start fresh, and start clean. And, who knows, maybe the market will bottom out in 2-3 years, and then they can purchase their home at a huge discount!

If you have any questions or comments, or would like to find out more about your options or set up a FREE strategy consultation and find out your options, contact me via email at james@jamesendo.com . Or for quicker results, call my office at 408-445-3281. Let us help you make the right decisions when it matters most!

James Endo

Broker, ABR, CRS, SRES, CDPE

DRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Improved Short Sale Approval Times

Sat, 23 Apr 2011 15:34:39 GMT

IMPROVED SHORT SALE APPROVAL TIME

4.23.11

With so much concern about how long the short sale process has taken and the uproar from consumers, real estate agents, and the government, banks have been working to make the process more timely and effective. Where a few years ago, it may have taken one... two... or even three years to complete a short sale, now many banks are often approving the short sales in 30-90 days and closing in another 30-45 days... much better!

While a big improvement, it is still too long, according to this broker, as it still causes problems. It is a big commitment for the buyer to wait it out, and with interest rates slated to rise in the next 12 months, that is a big cost. Also, many buyers have taken to making multiple offers, so it continues to clog up the system with non-sales, time waste, and lack of communication.

And, more than ever, in my humble oppinion, there is a large disparity between those agents in the know and those not in the know about short sales and distressed properties. As a broker for 24 years, I shocks me at the lack of short sale knowledge with many of my fellow agents, and I believe we need a higher standard when we are dealing with short sales, a potential foreclosure, which can have dire consequences on the borrower. Also, the sellers and their agents must continue to communicate with the buyers and build trust that the sale will go forward and succeed.

Currently, the California Association of Realtors (CAR) is trying, albeit late, to gain more headways with banks so that the short sales can be processed in a more efficient and effective manner.

Lets face it, we have come through a volatile market shake down with lots of changes, and unfortunately, many agents are no longer in the business, and of those that are still here, many have either chosen to not participate in short sales or have done borrowers no good with lack of experience, poor negotiating, and bad advice.

Selecting the right agent can be the difference between a long drawn out, time consuming, poorly negotiated terms and possible legal liability or a well managed, properly managed transaction with the best negotiated terms for the homeowner so they can start fresh and move one. Make sure you are working with a competent, experienced agent who has a successful track record. Don't be lax about this... it can be the difference of success or foreclosure. Ask for some references so you know your interests will be served in what is a tough and volitile situation. How will you know you selected the right agent to represent you? Well, if it quacks like a duck and walks like a duck... Are they giving you the right info? Do they have the property documents? Are they asking for money up front to cure this problem (it is illegal to get paid up front )? Ask for letters or recommendation. Do they have a service rating from a neutral third party servicer?

Contact me today for a FREE Strategy Consultation and see how you can benefit from our proven strategies and experience.

James Endo

Broker, ABR, CDPE, CRS, SRES, CDRE# 00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Bay Area Current Market Forecast and Updates

Sun, 27 Mar 2011 13:18:59 GMT

Bay Area Current Market Forecast and Update

3.27.11

I recently attended an Economic Summit to discuss economic issues and short sales and foreclosure activity, and included knowledgeable speakers with the keynote speach provided by Lawrence Yun, Chief Economist for the National Association of Realtors, the primary trade association in the nation. Mr. Yun has been recognized at one of the most influential economists in the nation and gave a national and local perspective and outlook for 2011 and beyond.

Regarding the national market, he predicts that we will have a slight decline in activity and prices, and then likely a long bottom depending on the economy, which will likely not have much change until after the 2012 elections.

Regarding short sales and foreclosures, about one third of existing homes are distress sales nationally, which will likely be about 1.5 million homes this year.

As the graph shows above, nationally we have over one third or the market in distress (short sales and foreclosures), and according to some of my agent colleagues around the nation, some are over 70...80... and 90% distressed in their respective markets... ouch!

Locally in Santa Clara County, 28.71% of all houses currently for sale are distressed, so we are little better than the national average and some areas are in better shape. However, even more alarming is that for all homes under $600,000 list price, 55.38% are in distresss, almost double the county norm. The lower priced homes have really taken a hit. In fact, it is not uncommon for me to show buyers looking to purchase that all their choices are all short sale homes!

There are still many homeowners who are in dire financial situations and will likely need help, with another huge volume of option ARMS and Interest only loan interest rates being reset this year, we are expecting another wave of distressed properties for the next couple years.

If you are having a tough time making ends meet, have reduced income, or have a mortgage loan balance greater than what your property is worth, that you need to go to a specialist who can help you through this process. There is hope for you!!!

As a Certified Distressed Property Expert (CDPE) here in San Jose, you will be thrilled to know that my experience, continual training, and specialization will help you successfully navagate through the mortgage maze and start fresh with all properties in the bay area. Contact my office today for a FREE Strategy Consultation and find out your 13 options to avoid foreclosure and let us take the burden off your shoulders today.

James Endo, Broker, ABR, CRS, SRES, CDPE , DRE# 00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Recent Short Sale Statistics A Cause For Concern?

Thu, 24 Mar 2011 17:35:40 GMT

&nbsp; A recent study about homeowners in distress report a concerning statistics that homeowners are often doing little or nothing about their foreclosure predicament.&nbsp; In fact, seven out of ten don't do anything before their home goes to sale.&nbsp; Another statistic also reports that owners would likely contact the real estate agent, however, virtually only a small percentage actually have the training, experience and skills to help a homeowner avoid foreclosure in this mortgage crisis.&nbsp; <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in">85% of homeowners in distress say the first person they would call is a real estate agent. <o:p></o:p></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in">Less than 1% of real estate agents have the adequate education to help distressed homeowners. <o:p></o:p></li> </ul> <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">And, what's worse is that 1 out of 7 homeowners are in foreclosure or in the process of foreclosure.&nbsp;&nbsp; A recent report by the economist for National Association of Realtors say that we will have a large increase in short sales this year.&nbsp; In fact, there are about 5.3 million short sale transactions expected in the next year.&nbsp; It appears we still have a ways to go before this economy is in check.&nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">We are helping many people like yourselves who may have some financial challenges and don't know what to do.&nbsp; It can be stressful and challenging, but I want to let you know that there are many solutions.&nbsp; If fact, there at least 13 options to foreclosure, to help you avoid the &quot;F&quot; word, foreclosure, so if you would like to find out, contact my office and see what are the best options for you.&nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">The reality is that most agents do not want to work with short sale, they are afraid&nbsp;of them, do understand them, they are too complicated from the normal sales,&nbsp;way too stressful or dont pay as well.&nbsp; Let me&nbsp;tell you,&nbsp;it&nbsp;is changing at a break neck speed and you cant just rely on&nbsp;an agent&nbsp;who does not have the requisite skills and experience.&nbsp; But how can you tell?&nbsp;&nbsp;Do&nbsp;you know what questions to ask?&nbsp;&nbsp; What is the likelihood of&nbsp;success to get out of&nbsp;the&nbsp;financial hardship and start anew?&nbsp; Let me give you some ideas as someone who&nbsp;has been working in the trenches.&nbsp;&nbsp;&nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">First of all, are they keeping educated on the whole short sale topic.&nbsp; With so many new rules and regulations, it is critical to be updated daily.&nbsp; How many classes have you taken?&nbsp; What special desigations do you hold?&nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">Second, do they have experience with short sales?&nbsp; How many have they done?&nbsp; Are they willing to give you some references of recent successes?&nbsp; What is their success ratio?&nbsp; A recent study indicated that only 52% of all short sales are successful, so having strong experience to protect the seller, negotiate with the bank, and keeping a short sale transaction together is critical to your success.&nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA">Third, do they have a good experience with the &nbsp; &nbsp; &nbsp; <span style="font-family: &quot;Arial&quot;,&quot;sans-serif&quot;; font-size: 12pt; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA"> &nbsp; James Endo Broker, ABR, CRS, SRES, CDPE CDRE #00993009 Serving Silicon Valley&nbsp;Since 1987! Helping you make the right decision when it matters most!&nbsp;

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

A recent study about homeowners in distress report a concerning statistics that homeowners are often doing little or nothing about their foreclosure predicament. In fact, seven out of ten don't do anything before their home goes to sale.

A contradictory statistic also reports that owners would likely contact the real estate agent, however, virtually only a small percentage actually have the training, experience and skills to help a homeowner avoid foreclosure in this mortgage crisis.

85% of homeowners in distress say the first person they would call is a real estate agent.
Less than 1% of real estate agents have the adequate education to help distressed homeowners.

And, what's worse is that 1 out of 7 homeowners are in foreclosure or in the process of foreclosure. A recent report by the economist for National Association of Realtors say that we will have a large increase in short sales this year

Help For Homeowners Community Event A Success!

Fri, 25 Feb 2011 15:03:57 GMT

Help For Homeowners Community Event A Success!

February 25, 2011

San Jose, CA- The San Jose Convention Center was the host site for the Treasury Department sponsored Helping Homeowners Community Event yesterday, February 24, 2011 and it appears to have been well attended while I was there volunteering for this event to help borrowers deal with financial hardships in the hopes of working a successful loan modification.

Expectations where for around 1000 participants or more. While I do not know the final head count, there were long lines, especially for the large banks like Bank of America or Wells Fargo, however, those borrowers who had loans with smaller lenders could get in in no time. I was told that some had to wait upwards of two hours to meet with the couselors and negotiators.

The borrowers were treated to an informative video about their options, and met with a HUD housing counselor besides their lenders, if they had more than one loan.

Then they met with the lenders to provide preliminary documents to start or further progress their loan modification case. Having property documentation allowed borrowers to receive the best guidance.

The event was promoted by the 18 banks, FDMC, FNMA, HUD, as well as HopeNow and Neighbor Works America, and these events are being scheduled regularly. The next one will be in Hayward, CA.

Over 100 local real estate professionals registered to volunteer at this event, helping with interpreting, running pens, helping register, and assisting the banks and other organization as well as exit review and routing. Volunteering at one of the largest lender's table registering people to start in the afternoon, it was clear to me that there is a need for this event, if for no other reason than to talk to the bank counselors face to face. Clearly there was some frustration in the air, and yet, many people simply wanted to be heard.

Other service groups supported the borrowers with other worthwhile services like credit repair and education. One negotiator I spoke to said that she works at many of these types of events, and said that we had a large turn out here in San Jose.

The event was well attended, so prayfully that is a success. I hope these banks realize how many folks need help with what is a big problem in our area and help these people, many concerned with saving their home and their personal pride. If homeowners can qualify to save their homes, that is great! Unfortunately, reports indicate that upwards of 70+% of those that do a loan modification or temporary loan modification end up in short sale or foreclosure, so there has to be another way to help the consumers, and resolve this problem in an efficient way. Contact me for more information or to review your options.

For More information or comment, contact:

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

FREE HELP FOR HOMEOWNERS COMMUNITY EVENT FEB 24, 2011

Thu, 17 Feb 2011 19:08:24 GMT

URGENT URGENT URGENT

Free Help For Homeowners Community Event Feb 24, 2011

February 17, 2011

As many of you may know, the Making Home Affordable program is designed to try to help people stay in their homes if possible. In this regard, I am volunteering at an event to help borrowers with potential loan modifications and other such options at no cost to you, at the Help For Homeowners Community Event, sponsored by the Department of the Treasury, HUD, and HopeNow, February 24, 2011, Thursday, from 11am to 730pm at the San Jose Convention Center. If you are looking to see if you qualify for the Obama Adminstrations Making Home Affordable program or other options, then this event is for you. This is a great chance to talk to banks and counselors eye to eye. You must bring some documents:

1. your monthly mortgage statement

2. your other loans and mortgages

3. Two most recent pay stubs, document of income, or recent quarterly profit and loss statement if self employed

4. Two most recent bank statements

5. Account balances and monthly payments for credit cards and other debt

6. Estimates of other monthly expenditures (such as utilities, insurance, medical bills, etc.)

Also, you can go to this link at www.jamesendo.com/FREE-EVENT-Help-For-Homeowners-Community-Event for more information and flyer.

As a local San Jose Short Sale specialist, I am interested in providing solutions to today's consumers overcoming the mortgage crisis. I will be a volunteer at this event so please feel free to contact me for further questions or information.

Now is the time to action so I hope you will attend this valuable event.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Contact me below for additional information or to schedule your free consultation.

ENDO GIVEN HIGHEST SERVICE RATING!!!

Wed, 16 Feb 2011 12:55:43 GMT

ENDO RECEIVES HIGHEST SERVICE RATING!

Endo Committed to Excellent Service for you!

February 16, 2011

James Endo and his team where recent awarded the Platinum Award by Quality Service Certified, Inc. (QSC), the highest service rating award to real estate professionals, an honor the Endo Group has received two years in a row. QSC is an independent service research com providing transparency and valuable service reviews to the real estate service industries. James' goal is to provide a high quality of service in the greater Silicon Valley area such that his clients will come back and refer all their friends and family. He believes that this rating by an independent group will provide his clients with the level of professional care they deserve and allow him to provide a service that they will be thrilled to receive. All of James" clients will have a say in his service rating, so it is a win-win for all involved. "It is truly an honor for it is based on my wonderful clients' experiences!" says James. For more information, visit his website at www.jamesendo.com, and click on the QSC box link at the bottom of the home page. Or, for faster service, simply call him now for a free consultation today... you will be glad you did!

PRESS RELEASE

Contact: Matt Wimpress, Customer Service Manager

Quality Service Certification, Inc.

949-481-4438

Matt@QualityCertified.org

FOR IMMEDIATE RELEASE

February 14, 2011

Endo Receives Platinum Service Recognition

James Endo of Altera Real Estate in San Jose, CA has repeated the previous year’s achievement of being granted the highest level of service achievement in the real estate industry, Quality Service Certified® Platinum. The award is in recognition of earning 100% client service satisfaction in 2010 as measured by Leading Research Corporation (LRC).

A Quality Service Certified (QSC) award status is the only recognition in the real estate industry based on independently validated customer satisfaction survey results. After the conclusion of real estate transactions, clients of QSC agents receive a survey, asking them to rate the agent on various aspects of the service process. The surveys are administered and the results are received and compiled by LRC.

Client feedback from the surveys becomes part of the agent’s credentials. An overall satisfaction rating is displayed on a consumer website (www.QualityService.org) where sellers and buyers have the ability to select a real estate professional based upon each agent’s validated record of service satisfaction.

“Nothing is more important to a prospective client in selecting a professional than the service results achieved with past clients,” says Larry D. Romito, President and CEO of QSC. He adds, “Consumers have greater confidence in service reliability, results and satisfaction with a Quality Service Certified real estate professional because they know that the agent’s service record has been validated by an independent third party. 100% service satisfaction record like James Endo has achieved is just awesome.”

For additional information or comments, contact James below:

New Bank of America Cooperative Short Sale Program

Thu, 20 Jan 2011 16:25:26 GMT

New Bank of America Cooperative Short Sale Program

January 20, 2011

Bank of America (B of A) recently unveiled their new Cooperative Short Sale Program, designed to speed up the approval process and lesson the issues and conflicts with B of A short sales, which have been getting a somewhat poor reputation in the real estate industry.

The traditional short sale transaction with the typical bank begins after the purchase agreement is accepted by the buyer and seller. Then the purchase agreement and all supporting documentation are forwarded to the bank for bank, investor, and private mortgage insurance approval. The new method is to get the approval at the beginning of the process so all parties know what is acceptable to B of A, and the buyer knows that the offered price is a realistic sales price. It is common practice in many areas for agents to list the property below fair market value, only to have the bank reject or counter offer the price to the buyer's dismay. This would likely eliminate these unrealistic and time-wasting practices and provide a more realistic indication of the market values.

This new program is in many ways, similar to the Housing Affordable Foreclosure Alternative Request for Approval of Short Sale, or HAFA RASS program sponsored by the Obama Administration which allows the property and owner who qualifies to gain a preapproved short sale property which can then be sold at a presumably quicker result.

Also, B of A will allow investors to buy short sales, but keep in mind, the primary goal of B of A is to recoup as much of their projected loss as possible. They are looking for a fair market sales price and closing. And, they are not very open to doing "wholesale flips," where a buyer locks up a property and immediately "flips" the property to a new buyer and then closes. The goal of B of A is to sell for relative fair market value.

While it remains to be seen, this looks like B of A is going in the right direction. There may be some concerns about their dictating the value and price, which may not be actual sales prices in the market,however this agent feels any assistance in the beginning can be helpful and beneficial to all involved and allow for a realistic sale environment than a sales price fantasy that will definitely be counter proposed by B of A.

Now B of A is recommending that borrowers and agents inform them at the beginning of the short sale process for maximum benefit.

The normal short sale process begins upon receipt of an accepted sales contract, and then the offer and documentation is provided to B of A. The new process will begin immediately after the seller signed the listing, working with the agent to create the appropriate acceptable sales price and terms for mutual benefit.

It took up to two to three years to get a short sale approved several years ago, and last year, with the new Equator system launched, sales time were reduced to about 90-120 days. The new system should make this a quicker process, although it remains to be seen if it can mimic a regular non-distressed sale. The program will continue to be revised, according to Kim Dawson, VP of Operations, Short Sales, at today's interview with CDPE CEO Alex Charfen, and B of A is committed to help the borrowers. She notes that B of A has a primary intention to keep homeowners in their homes, however, if that will not happen, then they need to provide a workable solution. Ms. Dawson also notes that B of A will allow borrowers to do short sales if not in default, but these borrowers would likely have to provide some funds or a note to facilitate a short sale and get the borrower out of the home.

As a broker since 1987, I have done many successful short sales and helped the borrowers avoid foreclosure, so it remains to be seen how the borrower, buyer and agents will fare here, however, it should be going in the right direction to serve the seller in hardship, complete transactions in a reasonable period of time, and help the economy amidst many banks who are gaining record profits in the past several years. Having a Certified Distressed Property Expert (CDPE) designation and working as a short sale specialist, now more than ever, you will truly benefit working with an advocate who has the experience and skills to get the job done. Let us help you make the right decisions when it matter most!

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Contact me below for more information or comment.

Another Short Sale Success!

Sun, 16 Jan 2011 20:04:11 GMT

Another Short Sale Success Story

January 16, 2011

In fairness to what we hear and I have experienced with Bank of America, there is light at the end of the tunnel.

We have a client who has a Bank of America first loan with past due HOA dues and property taxes, and after about 2 months, we received an approval from the lender this past week, so we will close in the next 40 days. The interesting part of this is that we have been working with this seller for the past eight months due to bank appraisal issues and buyers not willing to wait to close. Not to jinx the process but this current contract should close in about 84 days from offer acceptance to closing. Please know that this is not unsual for a short sale transaction... short sales will take more time than a normal or REO (Real Estate Owned) sale of 15-30 days, however know that I am committed to help the seller avoid foreclosure and allow them to start fresh... and the buyer gets a nice house for his patience... a win win!

We are expecting a significant amount of interest only loan "resets," or rates going up in the second half of the year which may mean more distressed properties, so if you are thinking of what to do, contact me for a free consultation to find out your options. Knowledge is power and let us help you gain some sanity and calm in a challenging financial situation. As a broker for 24 years specializing in short sales and a CDEPE, I am commited to provide choices, help clients with respect, be an advocate for the borrower, and level the playing field so you can take action with dignity. All information is held confidential.

James Endo

Broker, ABR, CRS, SRES, CDPE

CDRE #00993009

Serving Silicon Valley Since 1987!

Helping you make the right decision when it matters most!

Contact me below for more information or comments.

Agent Navigates Choppy Bank of America Waters

Wed, 12 Jan 2011 14:08:27 GMT

Agent Navigates Choppy Bank of America Waters

Jan. 12, 2011

As of last year, Bank of America emphasized their need to make their short sale approval process faster. With average B of A short sales taking up to two to three years in many cases, there was an uproar with short sale agents, sellers and buyers trying to get short sale sales closed. Needless to say, this was a burden to the seller, buyer and agents, and caused many problems including many contracts falling out, huge losses for the bank, and a tremendous amount of lost time and effort. A new system called Equator was created to unclog the delays and make this a smoother and productive process for all involved

While Bank of America does not have a great reputation for speed and successful sale, there was some necessary improvement, but is that enough? Our experience shows that we are getting a much better response than before, reducing approval time regularly to two to three months, the process is still is mired in pitfalls, according to this broker. Delays can abound due to appraisal or BPO different from sales price, lack of communication, inexperienced negotiators who do not understand the process or simply do not want to cooperate to help their bank make the best decision possible. I had one negotiator say that B of A does not accept the appraisal fair market value but uses it as a starting point. Can you see a that this favors the bank solely and the buyer may have to over pay if they want the property? Another time, we informed the negotiator; we had a Notice of Trustee Sale and said we did not have to worry about an auction, and we asked for that in writing, only to find out that B of A foreclosed on the sale. We spend a lot of time to help the seller avert a foreclosure, and not having their short sale dept. and foreclosure dept. talking together is a travesty no seller should have to go through. Both buyers and sellers must be ware. Need less to say, experience and education is a critical component to help today's potential seller so we can help our country get out of a tough economy and help many sellers and buyers in a challenging market.

As a broker for the past 24 years, I have the tools and experience to help give both sellers and buyers work out a successful sale. With over a 95% success ratio, I am thrilled that you can count on us to represent your best wishes. I am so grateful to have a Certified Distressed Property Expert (CDPE) designation, which supports me with successful strategies, insider information to help the seller avoid a foreclosure AND help buyers pick up good purchases and investments.  I am thrilled to offer you, whether seller or buyer, the information and tools and improve your outcome many fold. I am reminded of a past San Jose Mercury News wrote an article saying that only about 6% of the short sales are successful, so am excited and motivated to help provide the value and results you deserve. Contact me today for a free consultation and let me help you make the right decisions when it matters most!

Contact me below for more information or comments.