TiffanyYoungTeam, We Help You FInd Solutions!

Bank of America illegally forecloses on homeowners.

Mon, 06 Jun 2011 11:49:46 GMT

Bank of America illegally forecloses on homeowners

We’ll preface this story by noting that the saddest part of all is that nothing about the video above and what we’ll report below is of any surprise to us and probably no surprise to you. Stories like these are pouring in and consumers are finding ways to get back at the banks that wrongfully foreclose and become unavailable over the phone to these homeowners.

In Naples, a couple paid cash for a home owned by Bank of America who recently began sending foreclosure notices to their home. The homeowners hired a real estate attorney, sued, and the courts agreed that there was never a mortgage to foreclose upon given that they had paid in full. This scenario is even more egregious than the mistakes banks across America are refusing to deal with, citing case overload and typically apologizing after news outlets get involved.

The courts ordered Bank of America to pay the homeowners’ legal fees which were only $2,534, but as they had treated these homeowners prior to the Judge’s order, they became non-responsive and did not pay.

Rather than roll over as so many Americans feel they have to, the couple brought their lawyer, a moving truck, movers and two armed deputies to their local branch that was not responding and the deputy instructed the bank manager turn over all assets in the branch, including furniture, desks, file cabinets, and even the cash in the drawers.

An hour later, Bank of America cut a check, claiming they instructed payment of an attorney that they were not aware had since gone out of business.

Other Bank of America sins

The rise in wrongful foreclosures is unfortunately not a new trend. We’ve been writing for years about these “mistakes” and the bank’s refusal to right these situations. Just last December, we reported on Bank of America foreclosing on the wrong address on Christmas Eve, and Bank of America foreclosing on homes by continuing the foreclosure process even after the home was successfully sold to a new buyer, and Bank of America has even foreclosed on another home they never even had a loan on.

Many banks ended 2010 by freezing foreclosure processes after many states’ attorneys general called for a freeze, and banks including Bank of America have gotten better at processing short sales, but the wrongful foreclosures continue.

The emerging trend

There is a slowly emerging trend of the rare American household that wins the David versus Goliath battle against banks wrongfully foreclosing on them. In February, a homeowner made headlines by foreclosing on a Wells Fargo branch in a similar manner to the couple mentioned above. An Austin homeowner went on a hunger strike when Wells Fargo wouldn’t rightfully modify his loan and most impressively, just this April, military officer won a $21 million lawsuit against his lender for wrongfully foreclosing upon his home.

The frustrating element of all of these wins is that a dirty, lengthy battle was drawn out and even when a homeowner fights a wrongful foreclosure, they don’t always win and in most cases, they never make headlines. The fact that this behavior has continued by the banks after all of the drama in the past years is astonishing and wrong and must stop… it shouldn’t take homeowners like this couple showing up at their branches to demand a measly few dollars because of a stupid paperwork error.- Tiffany Young

Helping one homeowner at a time...

Today's Real Estate News from DSNews.com

Wed, 10 Nov 2010 10:49:53 GMT

Current Mortgages Turning Delinquent Rises for First Time in a Year
During the third quarter, 2.7 percent of current mortgage balances transitioned into delinquency, according to the New York Federal Reserve. That's up from 2.6 percent that became newly delinquent in the second quarter. Fed officials called the increase "slight" but noted that the rise follows a full year of declines in new delinquencies. According to the federal bank's report, about 457,000 individuals received home foreclosure notices on their credit reports between July 1 and September 30, 2010.

Slide in Home Prices Signals Trouble Ahead: IAS
Residential property values fell 0.2 percent at the national level during the third quarter, according to Integrated Asset Services (IAS). In front of a seasonal slow-down in home sales, IAS says the data foreshadow "particularly difficult times ahead" for the housing market and for the U.S. economy. The company's report confirms that the nation's most devastated counties are showing no signs of bottoming. The robo-signing controversy is expected to slow the housing correction even further as banks hold back foreclosures.

MBA and Others Send Letter to Fed Regarding Consumer Disclosures
The Mortgage Bankers Association and six other industry groups sent a letter to Federal Reserve Chairman Ben Bernanke Monday, voicing their concern that the Fed, which has jurisdiction over the Truth in Lending Act (TILA), and HUD, which oversees the Real Estate Settlement Procedures Act (RESPA), will create regulatory rules that overlap. The Dodd-Frank Act created the Consumer Financial Protection Bureau, which will be overseen by yet another agency, the Treasury, and will have regulatory authority over consumer disclosures.

Realtors Exhibit Cautious Optimism for Housing's Future
At the 2010 Realtors Conference, real estate professionals were cautiously optimistic about the current and future state of the industry. Most agreed that the rise in home sales and prices during the boom was both unrealistic and unsustainable. Today, the industry has returned to a more sound and balanced idea of homeownership. But current conditions mandate agents educate themselves about buying and selling distressed properties and working with investor buyers, particularly when it comes to handling short sales.

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- Tiffany Young

Helping one homeowner at a time...

What do we do? Fannie Mae Press Release on lenders and foreclosure mishaps..

Fri, 08 Oct 2010 17:56:39 GMT

http://www.fanniemae.com/newsreleases/2010/5174.jhtml?p=Media&s=News+Releases

What do you think the lenders and government should do to fix the system? Please share your ideas and respond to this blog!

Grass roots are the way it all begins... and NOW is the time to speak up.

How “Robo-Signing” Impacts Homeowners

Fri, 08 Oct 2010 16:59:45 GMT

See the link below...

http://blogs.forbes.com/kymmcnicholas/2010/10/04/how-robo-signing-impacts-homeowners/

The good news? This halt in foreclosures may allow just enough time to get a short sale through the system! This gives us hope.. Please call or email to speak with a member of our team to discuss your individual situation. You may be surprised by our answers.

Tiffany Young

Helping one homeowner at a time...

DS NEWS REAL ESTATE UPDATE

Mon, 25 Jan 2010 16:37:50 GMT

DS NEWS UPDATE

State Regulators Say Federal Foreclosure Prevention Program Falls Short
Top officials from across the country warned policymakers in Washington this week that efforts to stem the housing crisis are falling short. According to a group of state banking regulators and attorneys general, six out of 10 seriously delinquent borrowers are not involved in loss mitigation efforts. Perhaps the most divisive proposal put forth by the group is that government programs should make principal reductions a priority in areas where home prices have plummeted.

FHA to Provide Early Relief to Struggling Homeowners
In an announcement Friday, HUD said homeowners with mortgages insured by the Federal Housing Administration (FHA) who are experiencing financial hardship are now eligible for loss mitigation assistance before they fall behind on their mortgage payments. Previously, these homeowners were not eligible for such assistance until after they had missed payments.

Commercial Real Estate Prices Break 13-Month Losing Streak
After a 13-month run of steady price declines, U.S. commercial property prices rose 1 percent in November, Moody’s Investors Service said this week. Despite the short-term boost, Moody’s says it expects prices to resume falling in the coming months as occupancyand rental rates continue to decline, but depreciation should be less severe than the sector experienced in the middle of 2009, when some index readings showed price dives in excess of 5 percent.

Foreign Investors in Real Estate Pledge Allegiance to U.S.
Despite a lack of placement opportunities in 2009, foreign investors in real estate say they remain committed to the United States as their preferred real estate investment opportunity. This sentiment is underscored by a dramatic increase in the number of overseas market participants identifying the U.S. as offering the best potential for real estate capital appreciation, according to the Association of Foreign Investors in Real Estate.

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- Tiffany Young

Helping one homeowner at a time...

Do you qualify for a credit card bailout?

Tue, 29 Dec 2009 00:01:21 GMT

Do you qualify for a credit card bailout?

(ARA) - At a time in America when banks and other companies are receiving government bailouts, millions of consumers who are struggling with credit card debt are wondering where their rescue plan is.

How can the everyday consumer get bailed out of credit card debt they just can't afford to pay? More families are stressing out over credit cards and other debts and want to know their debt relief options.

A way to erase credit card debts fast

While the government is not offering a credit card debt bailout program for consumers, credit card companies are. When you get in over your head in credit card debt, credit card companies would rather collect a portion of what is owed than have you declare bankruptcy. That's why credit card firms are willing to provide a credit card debt bailout for consumers.

Debt relief: Find out how much you can save

For consumers in need of relief from credit cards and other debts, The Debt Relief Center provides a fast and convenient way to get your debt relief options. With a Free Debt Relief Analysis, at no obligation, consumers are able to get a free debt relief savings estimate. In many cases, credit card companies are willing to forgive up to 60 percent or more of credit card debts, depending on your situation.

After decades of aggressively charging exorbitant interest rates, late fees and penalties, credit card companies are now finding an avalanche of consumer debt coming to rest on their doorstep. Ironically, it's credit card companies who are finally giving consumers a break of sorts.

Again, the principle at work is that credit card companies would rather collect what they can from consumers, rather than get 10 cents on the dollar from collection agencies or nothing at all if consumers declare bankruptcy. This is why credit card debt relief programs are becoming more popular. Tough times are hitting people all over America and families need relief. Fortunately, in this environment, credit card debt relief is now available.

Find out if you qualify for credit card debt relief. Visit the Debt Relief Center for a free Debt Relief Analysis.

Sponsored content provided by ARALifestyle. Copyright ARAnet, Inc.

- Tiffany Young

Helping one homeowner at a time...

HAFA - the new Trail Program!

Mon, 28 Dec 2009 20:45:43 GMT

https://www.hmpadmin.com/portal/programs/foreclosure_alternatives.html

Home Affordable Foreclosure Alternatives Program: Overview

The Home Affordable Foreclosure Alternatives (HAFA) Program provides additional options to avoid costly foreclosures and offers incentives to borrowers, servicers and investors who utilize a short sale or deed-in-lieu (DIL) to avoid foreclosures. HAFA alternatives are available to all HAMP-eligible borrowers who: 1) do not qualify for a Trial Period Plan; 2) do not successfully complete a Trial Period Plan; 3) miss at least two consecutive payment during a HAMP modification; or, 4) request a short sale or deed-in-lieu.

In a short sale, the servicer allows the borrower to list and sell the mortgaged property with the understanding that the net proceeds from the sale may be less than the total amount due on the first mortgage. Generally, if the borrower makes a good faith effort to sell the property but is not successful, a servicer may consider a DIL. With a DIL, the borrower voluntarily transfers ownership of the property to the servicer - provided title is free and clear of mortgages, liens and encumbrances. With either the HAFA short sale or DIL, the servicer may not require a cash contribution or promissory note from the borrower and must forfeit the ability to pursue a deficiency judgment against the borrower.

HAFA simplifies and streamlines the short sale and DIL process by providing a standard process flow, minimum performance timeframes and standard documentation.

The guidelines for HAFA are detailed further in the document(s) listed below.

Servicer Documents

Supplemental Directive 09-09
Home Affordable Foreclosure Alternatives Program Guidelines

Guidance to servicers for adoption and implementation of the Home Affordable Foreclosure Alternatives Program (HAFA), which is part of HAMP and provides financial incentives to servicers and borrowers who utilize a short sale or deed-in-lieu to avoid foreclosure on an eligible loan under HAMP.

Download Now NEW

Borrower Documents

Short Sale Agreement (Exhibit A) NEW
Request for Approval of Short Sale (Exhibit A1) NEW
Alternative Request for Approval of Short Sale (Exhibit B) NEW
Deed-in-Lieu of Foreclosure Agreement (Exhibit C) NEW

- Tiffany Young

Helping one homeowner at a time...

Useful Links for Resources! Make sure you check this out..

Sun, 27 Dec 2009 22:05:57 GMT

Useful Links

Mortgage Modification Resources

The Home Affordable Refinance Program
www.MakingHomeAffordable.gov

HOPE NOW
www.HopeNow.com

Fannie Mae Loan Lookup
http://loanlookup.fanniemae.com/loanlookup/

Freddie Mac Loan Lookup
https://ww3.freddiemac.com/corporate

HUD Approved Counselors

Catholic Charities USA©
www.catholiccharitiesusa.org

Citizens’ Housing and Planning Association, Inc.
www.chapa.org

Consumer Credit Counseling Service of Atlanta™
www.cccsatl.org

HomeFree-USA©
www.homefreeusa.org

Homeownership Preservation Foundation©
www.995hope.org

The Housing Partnership Network©
www.housingpartnership.net

Mission of Peace Housing Counseling Agency©
www.missionofpeace.com

Mississippi Homebuyer Education Center©
www.mhbec.com

The Mon Valley Initiative
www.monvalleyinitiative.com

Money Management International, Inc.©
www.moneymanagement.org

National Council of La Raza
www.nclr.org

National Federation of Community Development Credit unions
www.cdcu.coop

National Foundation for Credit Counseling©
www.nfcc.org

The National Urban League©
www.nul.org

NeighborWorks® America
www.nw.org

Neighborhood Assistance Corporation of America© (NACA)
www.naca.com

Rural Community Assistance Corp.
www.rcac.org

Structured Employment Economic Development Co.
www.seedco.org

New Anti Deficiency Statues that may apply to you!

Sun, 20 Dec 2009 13:08:48 GMT

New Changes to the Arizona Anti-Deficiency Statute: What It Means for Homeowners

By Pak & Moring PLC Legal / Law

July 27, 2009

The Arizona State legislature recently passed a new bill amending the Arizona Anti-Deficiency Statute stating that home to have be lived in for six consecutive months prior to foreclosure.

For_Immediate_Release:

(Free-Press-Release.com) July 27, 2009 --

The Arizona State legislature in conjunction with Governor Jan Brewer recently passed a new bill amending the Arizona Anti-Deficiency Statute. As explained in a previous article (http://www.pakmoring.com/blog_anti_deficiency) on the Pak & Moring site, this law had generally served to protect borrowers by prohibiting mortgage lenders from suing a homeowner for the difference between the amount theproperty sold for at a foreclosure auction and the amount owed to the lender. This statute only protects homeowners in certain circumstances. Generally, a homeowner may not be sued by his or her lender if the property in question is located on 2.5 acres or less and is a single family residence or duplex. However, this statute only applies if the decrease in value is not due to the homeowner’s neglect.

The

new law now requires that a homeowner must have “utilized” the property

for six consecutive months and a certificate of occupancy must have been issued. This new requirement is primarily directed at non-resident investors; however, it could adversely affect Arizona investors. Arizona residents who are living in their home as their primary residence and are facing foreclosure will still be protected under the new law.
This new requirement for the anti-deficiency law will go into effect on September 30, 2009, which could have significant ramifications on pending foreclosures and short sales.

Does my property qualify for the anti-deficiency statute?

--Is your home located on 2.5 acres of land or less?
--Is your home a dwelling for one or two families?
--Is your home fully built and have you received a certificate of occupancy?
--Do you live in the home and have you done so for 6 consecutive months?
--Was the decrease to the value of your property the fault of the market (as opposed to neglect on your behalf)?
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--Was the mortgage(s) used for the original purchase of the home, or at the very least, for improvements made to the property?

If you answered yes to all of the above questions

, you may still be able to protect yourself under Arizona’s anti-deficiency statute. Ii you meet the criteria under the new law, your lender may be prevented from pursuing you for its losses from the foreclosure. However, every situation is different. Your individual factors may affect the outcome of your foreclosure. To find out if you are protected under Arizona’s anti-deficiency statute, contact Pak & Moring (info@pakmoring.com or call (480) 444-9999) to look into all of your legal options and discuss your pending or possible foreclosure.

(Please note: while informative, these posts are not intended to be formal legal advice and are not completely authoritative and should not be solely relied on as a primary basis for legal action.)

For a previous introduction and explanation of the Arizona Anti-Deficiency Statute, see the Pak & Moring Blog - http://www.pakmoring.com/blog_anti_deficiency
Arizona, anti-deficiency, statute, foreclosure, mortgage, sale, attorney, legislature, new, AZ, law

Great documentary on the housing crisis - the best I've seen.

Sat, 19 Dec 2009 23:55:04 GMT

http://www.pbs.org/wgbh/pages/frontline/meltdown/view/

This is one of the best Frontline Investigations I've seen to date. A must see.

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

TiffanyYoungTeam, We Help You FInd Solutions!

Bank of America illegally forecloses on homeowners.

Bank of America illegally forecloses on homeowners

Other Bank of America sins

The emerging trend

Today's Real Estate News from DSNews.com

What do we do? Fannie Mae Press Release on lenders and foreclosure mishaps..

How “Robo-Signing” Impacts Homeowners

DS NEWS REAL ESTATE UPDATE

Do you qualify for a credit card bailout?

HAFA - the new Trail Program!

Home Affordable Foreclosure Alternatives Program: Overview

Useful Links for Resources! Make sure you check this out..

Mortgage Modification Resources

HUD Approved Counselors

Other Useful Links

New Anti Deficiency Statues that may apply to you!

New Changes to the Arizona Anti-Deficiency Statute: What It Means for Homeowners

The Arizona State legislature recently passed a new bill amending the Arizona Anti-Deficiency Statute stating that home to have be lived in for six consecutive months prior to foreclosure.

new law now requires that a homeowner must have “utilized” the property

Does my property qualify for the anti-deficiency statute?

If you answered yes to all of the above questions

Great documentary on the housing crisis - the best I've seen.

Options and Solutions

Options and Solutions

A Dignified Solution

You Deserve a Dignified Solution

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

Your First Steps To Avoid Foreclosure

Your First Steps

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

Government Program Surveys

Government Program Surveys

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

Caution: Protect Yourself Against Mortgage Relief Scams

Caution: Protect Yourself Against Mortgage Relief Scams

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

Understanding HAFA

Understanding HAFA

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

Change the Course!

You Can Change the Course!

Avoiding Mortgage Modification Fraud

Avoiding Mortgage Modification Fraud

At the End of Your Rope?

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.