Contents
- 1 HELPING BUYERS AS BUYER BROKER
- 1.1 How Much Does Social Security Pay?
- 1.2 Why you can sell homes in the winter
- 1.3 4926 212th Street SW MLT 98043
- 1.4 4017 Colby Everett
- 1.5 Are Rich People Mean? – How Much Is Enough?
- 1.6 10116 Lowell-Larimer Road Everett
- 1.7 Helping Other Brokers
- 1.8 Vaccines Wear Off – Cannot Provide Permanent Protection – Cannot Produce Herd Immunity
- 1.9 LED Street Lights Reduce Property Values – Harm Eyes – wear blue blockers
- 1.10 Cell Towers, Smart Meters, 5G – They All Depress Property Values
- 1.11 Nina Beety’s 50 page Smart meter hazards report
- 1.12 Anti-vaxxer want informed consent and liberty
- 1.13 New York Times – Another Industry Captured Corporation – 5G Must Be Good Because Evil RT Warns It Is Unsafe
- 1.14 Tetanus Vaccine – TDaP – No Proof Of Safety
- 1.15 I just don*t thing being an adult is gona work for me
- 1.16 Sign In
- 1.17 Co-Broker Buyer Broker Agreement
- 1.18 JR-Deal-NewZ-2-8-2019
- 1.19 Home Renovation Can Cost A Lot
- 1.20 Funny Mockery of Ineffective Government – From An Opponent of Single Payer
- 1.21 IRS Provides Clear Test on How 20% Deduction Applies to Rental Income, Exchanges
- 1.22 Real Estate Calculations Every Investor Should Memorize
- 1.23 An additional inspection can cut short the time for the original inspection
- 1.24 Ten Mistakes Investors Should Avoid
- 1.25 How to Make Earnest Money Non-Refundable
- 1.26 4 Different Types of LLCs and the Ways They Pay Taxes
- 1.27 Why I Walked Away from a 118-Door Apartment, 10 Essential Real Estate Team Members & What to Do When Your Tenant Gives Notice
- 1.28 Home Inspection Questions
- 1.29 Seller-Financing Restrictions Under The Dodd-Frank Act – Barnes Wallace
- 1.30 Door Knocking to Find Real Estate Sellers
- 1.31 Radio – 9-16-2018 8 PM Eliminating Traffic Congestion 9 PM Buying Real Estate in Partnership – James Robert Deal – Attorney Broker
- 1.32 How To Choose A Domain Name – by Saul Klein
- 1.33 Mistakes Sellers Make
- 1.34 Buy Real Estate In Partnership
- 1.35 Small 5G Cell Towers in Neighborhoods Reduce Property Values
- 1.36 15605 Cascadian Way Bothell WA
- 1.37 Cell Towers Reduce Property Values
- 1.38 Reciprocal Easements by Prescription
- 1.39 There may be a short statute of limitations on your credit card debt
- 1.40 The Downside of Smart Homes
- 1.41 Cancelling, Restructuring, Extending, Deferring, Rehabilitating, Consolidating Student Loans
- 1.42 Where Americans Move To – Where they Moved From
- 1.43 Selling FSBO Can Cost Sellers A Lot Of Money
- 1.44 Renew the National Flood Insurance Program (NFIP)
- 1.45 Underwater Properties – Due to Climate Change
- 1.46 18809 65th Place W Lynnwood
- 1.47 Co-Brokerage Listing Addendum
- 1.48 Call A Real Estate Attorney BEFORE You Buy or Sell
- 1.49 How Much Is Your House Worth?
- 1.50 JRDeal-NewZ-12-13-17 CDC Manipulated Results Anthrax Vaccine Sickens Soldiers
- 1.51 Puget Sound Market Prices Up
- 1.52 Questions To Ask Before You Buy A Home
- 1.53 Prince Did Not Have A Will – Do You?
- 1.54 The Foreclosure Train Rolls On
- 1.55 Dodd Frank and Seller Financing
- 1.56 Buy This Book – Chain of Title
- 1.57 You Need A Lawyer When Doing A Modification
- 1.58 Mortgage Modification Successes
- 1.59 For Sale By Owner
- 1.60 Banks Losing Right to Require Arbitration
- 1.61 Bothell Real Estate Attorney
- 1.62 Real Estate Attorney And Real Estate Broker
- 1.63 Author
- 1.64 Buyers With a Good Down Payment But Poor Credit
- 1.65 Seeking Lease Option and Contract Sellers
- 1.66 Let Freedom Ring – Song
- 1.67 Underwater Properties – Short Sales – Modification
- 1.68 Condo Dues – Short Sale Then Bankruptcy
- 1.69 Open Telephone Line
- 1.70 Blacks Against Mandatory Vaccination
- 1.71 $5,000 Principal Reduction
- 1.72 Services We Offer
- 1.73 Door-To-Door Transit
- 1.74 Seller Financing – The Original Financing
- 1.75 I Help Brokers Do Seller Financed Deals
- 1.76 Lease-Option Deals Open Doors
- 1.77 Servicers Make More Money By Modifying Than By Foreclosing
- 1.78 Zombie Foreclosures
- 1.79 New Federal Rules on Foreclosure
- 1.80 Washington MERS Suits Fail
- 1.81 Modification on Rental
- 1.82 Making Home Affordable Continues
- 1.83 Rental Property Modification
- 1.84 $157,105 Wells Fargo Principal Reduction
- 1.85 Wells Fargo – 3 Year Modification
- 1.86 Principal Reduction Modification
- 1.87 Deceptive Practices in Foreclosures
- 1.88 Low Modification Approval Rate
- 1.89 Renters’ Rights in Foreclosure`
- 1.90 Eminent Domain To Modify Loans
- 1.91 Fannie and Freddie Loosen Modification Guidelines
- 1.92 Lenders Lie to Modification Applicants
- 1.93 Bank of America – Fannie Modification
- 1.94 Banks Forgive Mostly Worthless Seconds
- 1.95 More Foreclosures Coming
- 1.96 Zombie Titles
- 1.97 Consumer Financial Protection Bureau Guidelines
- 1.98 Aurora, Bank of America, Citibank, Chase, MetLife, PNC, Sovereign, SunTrust, U.S. Bank, Wells Fargo –
- 1.99 Calibur – Formerly Vericrest
- 1.100 Debt Forgiviness Will Be Imputed Income Unless Congress Acts
- 1.101 Obama to Replace DeMarco – Stingy Leader of Fannie and Freddie
- 1.102 California Puts Attorneys Out of the Modification Practice
- 1.103 Stratigic Default
- 1.104 Jumbo Modification
- 1.105 What Caused the 2007 Crash
- 1.106 Strategic Defaulters – To Jail With You
- 1.107 Still No Justice for Mortgage Abuses
- 1.108 Modifying Loans on Rental and Commercial Property
- 1.109 Successful Citi Modification
- 1.110 Midland Mortgage Modification
- 1.111 OCWEN – Principal Reductions – 2% Rate
- 1.112 Misconceptions About Modifications
- 1.113 Who is Liable on Business Credit Cards?
- 1.114 Happy Clients
- 1.115 Forensic Audits Not Useful
- 1.116 Should You Reaffirm a Mortgage in Bankruptcy?
- 1.117 Martin Andelman on HAMP 2
- 1.118 When can you file bankruptcy again?
- 1.119 Debt Settlement
- 1.120 Bank of America Principal Reductions
- 1.121 Foreclosure and Income Tax Consequences
- 1.122 Wells Fargo and Robo Signing
- 1.123 Is consumer protection enough to fix housing?
- 1.124 Washington Supreme Court Hears MERS Case
- 1.125 How Many Kids Have Fluorosis?
- 1.126 Making Home Affordable Encourages Principal Reductions
- 1.127 Principal Reductions May Be Coming
- 1.128 No Free House
- 1.129 Lauren Willis – Condemn mortgages and write them down
- 1.130 FHA refinancing program means savings for those who can qualify
- 1.131 Raise the Minimum Wage
- 1.132 CA Attorney General Asks Fannie & Freddie to Stop Foreclosing
- 1.133 Pooling and Servicing Agreement Look Up
- 1.134 Arizona asserting right to write down mortgages
- 1.135 40 Million McMansions
- 1.136 Second Mortgage Time Bomb
- 1.137 Ocwen Backs Principal Reductions
- 1.138 Farmer – Fisher Chapter 12 Bankruptcy
- 1.139 Mortgage Settlement Reached: A Beginning, Not an End
- 1.140 Forgery in Missouri Foreclosures
- 1.141 An Easier Path to Refinancing
- 1.142 Bankruptcy: What Are You Waiting For?
- 1.143 Facing Foreclosure? You May Have Options
- 1.144 Top 15 Lies About Bankruptcy
- 1.145 Freddie Mac Screws Up Again
- 1.146 Why Your Servicer Does Not Want To Modify Your Loan
- 1.147 Independent Foreclosure Review
- 1.148 Swindlers, Liars, and Frauds
- 1.149 Problems Continue with HAMP
- 1.150 Attorney Shawn Newman on Foreclosure Defense
HELPING BUYERS AS BUYER BROKER
Standard real estate forms encourage buyers to consult with legal counsel, but few do.
The typical buyer starts the buying process unrepresented. At some point in the process legal issues may arise. The buyer has to stop and look for an attorney.
Consulting with a lawyer is an extra expense, which many buyers would rather not bear.
A better idea is to hire a buyer’s broker who is also an experienced real estate attorney. That’s me. I am both a real estate broker and a real estate attorney. If you engage me as your buyer broker, the legal advice, interpretation, and document drafting – as related to your transaction – is included for no extra charge.
If you already have a broker that you like, stick with that broker. Bring me in as co-broker, handling the legal complexities.
Don’t be shy about calling. I talk with buyers, seller, and brokers without charge to determine if I can be helpful. I never charge for initial telephone consultations.
If we hit it off, I will ask you to sign a buyer broker agreement or co-broker agreement. A written agreement is to your benefit as well as mine. I will put my whole heart into helping you buy the property you want. So I ask for a similar commitment from my buyers.
I look forward to being of service to you.
James Robert Deal, Broker & Attorney
KW Everett
WSBA # 8103, DOL # 39666
425-774-6611, 888-999-2022
James at James Deal dot com
How Much Does Social Security Pay?
Why does Social Security pay so little in retirement? Jeanine Joy, Ph.D., CEO, Trainer, Speaker, Author, Researcher at Happiness 1st Institute...
Why you can sell homes in the winter
For Sellers, Move-Up Buyers, Selling Myths The #1 Reason to List Your House in the Winter · 2.1Kshares · 1.9K · 82 · 33...
4926 212th Street SW MLT 98043
4926 212th Street SW Mountlake Terrace WA 98043 FOR RENT - $2,400 https://youtu.be/mhaPJtb4-IYOur rental home is located on the south side of...
4017 Colby Everett
JAMES ROBERT DEAL ATTORNEY PLLCKW EVERETT, MANAGING BROKERTelephone 425-774-6611, Fax 425-776-8081James@JamesDeal.com I am writing about the...
Are Rich People Mean? – How Much Is Enough?
Why Are Rich People So Mean? Call it 'Rich Asshole Syndrome'—the tendency to distance yourself from people with whom you have a large wealth...
10116 Lowell-Larimer Road Everett
VACATION HOME OR PRIMARY RESIDENCEEXPANSIVE VIEW OF VALLEYSEVEN ACRES OF TRAILS10116 Lowell-Larimer Road, EverettNWMLS # 1505935 From a...
Helping Other Brokers
I am a real estate broker and a real estate attorney. I help buyers, sellers, and other brokers throughout Washington. Call me at 425-774-6611 when your purchase or sale involves legal issues. I can often quote a flat fee payable at closing.
Vaccines Wear Off – Cannot Provide Permanent Protection – Cannot Produce Herd Immunity
Is MMR Vaccine a Fraud or Does It Just Wear Off Quickly? by Joseph Mercola, DO | Guest Writer Published May 8, 2018 | Vaccination, Risk &...
LED Street Lights Reduce Property Values – Harm Eyes – wear blue blockers
LED Street Lights Reduce Property Values - Harm Eyes wear blue blockers AMA adopts guidance to reduce harm from high intensity street lights ......
Cell Towers, Smart Meters, 5G – They All Depress Property Values
www.JamesRobertDeal.org/smart-meters Cell Towers, Smart Meters, 5G - They All Depress Property Values Cell Towers, Antennas Problematic for Buyers...
Nina Beety’s 50 page Smart meter hazards report
From James: Smart meters reduce the value of your property. They cause fires. Some damage caused by electrical surges are not covered by insurance....
Anti-vaxxer want informed consent and liberty
Anti-vaxxer want informed consent and liberty Ada Drinkwater, Wife mother grandmother great grandmother Liberty & informed consent are not only...
New York Times – Another Industry Captured Corporation – 5G Must Be Good Because Evil RT Warns It Is Unsafe
From James Robert Deal: Too much microwave radiation will make our cities and towns hard to live and work in. We will be fried by smart meters and...
Tetanus Vaccine – TDaP – No Proof Of Safety
The US Institute of Medicine concluded that the evidence is inadequate to accept or reject a causal relationship between the DTap vaccine and...
I just don*t thing being an adult is gona work for me
Please just overlook the atrocious grammar in three of these. They are not editable but they ARE too good to delete. Contentment is not the...
Sign In
CLICK HERE TOSIGN UP FOR A BETTER PROPERTY SEARCH TOOLYou will be asked for your email address and your telephone number.You do not have...
Co-Broker Buyer Broker Agreement
James Robert Deal co-brokers with other brokers on complex deals. This is a buyer broker co-broker agreement.
JR-Deal-NewZ-2-8-2019
Eliminate traffic congestion. James Robert Deal managing broker. Become a real estate agent.
Home Renovation Can Cost A Lot
Reality check: Don’t fall for these TV home renovation fibs Kitchen and bathroom remodels can cost more and take longer than HGTV shows lead you to...
Funny Mockery of Ineffective Government – From An Opponent of Single Payer
From James: Some points are valid. Some are not. But this is well written and sometimes funny. One of government’s problems is that elected...
IRS Provides Clear Test on How 20% Deduction Applies to Rental Income, Exchanges
Real Estate Calculations Every Investor Should Memorize
The Top 8 Real Estate Calculations Every Investor Should Memorize by Andrew Syrios | BiggerPockets.com...
An additional inspection can cut short the time for the original inspection
An additional inspection can cut short the time for the original inspection QUESTION: I’ve always been under the impression that when a buyer sends...
Ten Mistakes Investors Should Avoid
10 Lethal Mistakes to Avoid on Your First Real Estate Investment by Chad Carson | BiggerPockets.com...
How to Make Earnest Money Non-Refundable
Click here if you are having trouble viewing this message. Weekly Membership Newsletter JANUARY 8, 2019 • Stay Connected! QUESTION: I have been...
4 Different Types of LLCs and the Ways They Pay Taxes
4 Different Types of LLCs and the Ways They Pay Taxes by Scott Smith | BiggerPockets.com...
Why I Walked Away from a 118-Door Apartment, 10 Essential Real Estate Team Members & What to Do When Your Tenant Gives Notice
Support Our Sponsors: For Accredited Investors Only. Syndicator of multifamily investments, Ashcroft Capital. Co-founder, Joe Fairless,...
Home Inspection Questions
What Buyers Should Ask After a Home Inspection October 9, 2018 After an inspector has finished a home report, buyers may feel overwhelmed by any...
Seller-Financing Restrictions Under The Dodd-Frank Act – Barnes Wallace
The Dodd Frank Act imposed regulations on seller financing. If the buyer will live in the property, there are restrictions which apply. If the buyer will not live in the property, the restrictions do not apply. The restrictions are complex. Consult an attorney.
Door Knocking to Find Real Estate Sellers
29 Door Knocking Resources for Successful Lead Generation Posted by REDX January is the perfect time to door knock. Most people wait until the...
Radio – 9-16-2018 8 PM Eliminating Traffic Congestion 9 PM Buying Real Estate in Partnership – James Robert Deal – Attorney Broker
JR-DEAL-NEWZ-9-16-2018 WASHINGTON POLITICS JAMES ROBERT DEAL, BROKER, ATTORNEY, ENVIRONMENTALIST, AMATEUR MUSICIAN Radio Program – Sunday, September...
How To Choose A Domain Name – by Saul Klein
Choosing Your Domain in the Age of Dot ANYTHING Written by Saul Klein Posted On Friday, 14 September 2018 13:00 ·...
Mistakes Sellers Make
5 Mistakes Home Sellers Make Written by David Reed Posted On Friday, 14 September 2018 21:56...
Buy Real Estate In Partnership
If you do not have enough income to qualify to buy a home, join together with several others. But a larger home, big enough for several families. With multiple incomes you can qualify. If you want privacy you can jointly buy a tri-plex or a four-plex. These can be bought with an FHA loan with only 3.5% down.
Small 5G Cell Towers in Neighborhoods Reduce Property Values
CITY COUNCIL DENIES APPEALS OF CELL TOWER INSTALLATION Sam Catanzaro , Santa Monica Mirror, August 31, 2018 Wireless carrier Sprint wants to install...
15605 Cascadian Way Bothell WA
15605 Cascadian Way Bothell Washington. $430,000. 3 bedrooms, 2 bathrooms. Buy on FHA Rehab Loan. Hold long term. Eventually sewers may be extended 400 feet, and then two homes, two duplexes or five townhouses can be built. James Robert Deal, Attorney and Broker, 425-774-6611.
Cell Towers Reduce Property Values
Survey by the National Institute for Science, Law & Public Policy Indicates Cell Towers and Antennas Negatively Impact Interest in Real Estate...
Reciprocal Easements by Prescription
Reciprocal Usage Easements? What is the Purpose? Many buildings that were constructed prior to the 1960s lacked adequate parking, and/or even...
There may be a short statute of limitations on your credit card debt
Shortening the Limitations Period on Credit Card Collection Lawsuits Jon Sheldon August 6, 2018 Print/Download Email link to this article CONTENTS ·...
The Downside of Smart Homes
The Downsides Of Selling A “Smart Tech” House Posted on August 4, 2018Natural Living · · · · · · ·...
Cancelling, Restructuring, Extending, Deferring, Rehabilitating, Consolidating Student Loans
Student Loan Repayment Rights: Consumer Debt Advice from NCLC Joanna Darcus August 2, 2018 Print/Download Email link to this article CONTENTS...
Where Americans Move To – Where they Moved From
Just a few years ago, experts indicated Americans (especially young Americans) were more interested in a different lifestyle than previous...
Selling FSBO Can Cost Sellers A Lot Of Money
Selling Your Home Solo to Save Money? You’ll Actually Make Less Than You Think Posted in Economist Commentaries, by Amanda Riggs on July 9, 2018 385...
Renew the National Flood Insurance Program (NFIP)
RENEW FLOOD INSURANCE BUT QUIT SELLING NEW COVERAGE AND QUIT BUILDING NEW HOMES IN FLOOD ZONES SEA LEVELS ARE RISING Can't read or see images? View...
Underwater Properties – Due to Climate Change
Climate Change Will Force the Poor From Their Homes Low-Lying towns and Homes in Washington will be affected too Alamy This story originally...
18809 65th Place W Lynnwood
18809 65th Place West Lynnwood WA 98036. This house has “good bones.” It needs fixup, cleanup, and your love.
Co-Brokerage Listing Addendum
As both a real estate attorney and a real estate broker, I co-broker with other brokers, helping them to take more listings and service them better. This provides better service for sellers.
Call A Real Estate Attorney BEFORE You Buy or Sell
Call a real estate attorney BEFORE you buy or sell property. Call Attorney James Robert Deal at 425-774-6611. In many cases I offer a flat fee, payable at closing out of escrow.
How Much Is Your House Worth?
What is your Washington home worth? Click here to find out.
JRDeal-NewZ-12-13-17 CDC Manipulated Results Anthrax Vaccine Sickens Soldiers
JRDeal NewZ JAMES ROBERT DEAL Political Activist - Real Estate Attorney - Real Estate Broker 425-774-6611 December 3, 2017 Read Online at:...
Puget Sound Market Prices Up
Home prices in Seattle have doubled over the past five years.
Questions To Ask Before You Buy A Home
Questions to ask before you buy a home.
Prince Did Not Have A Will – Do You?
Prince died without a will. Do not make the same mistake.
The Foreclosure Train Rolls On
Private corporations such as Loan Star and Caliber bought thousands of mortgages. The government pays them to modify mortgages, but they are quick to foreclose. They invest in high value instead of low value homes. They should be required to serve the interest of the local neighborhood as are banks. They should be regulated as banks.
Dodd Frank and Seller Financing
There are seller financing restrictions when the buyer is going to live in the property.. No cash out less than five years. The rate must be fixed for the first five years.
Buy This Book – Chain of Title
Chain of Title How Three Ordinary Americans Uncovered Wall Street’s Great Foreclosure Fraud Purchase hardcover — $27.95 Available: April 2016...
You Need A Lawyer When Doing A Modification
You should be represented by an attorney when you are modifying your mortgage. Servicers break the rules.
Mortgage Modification Successes
Most of our clients are people who tried to modify their loans on their own and failed. Mortgage modifications are tricky. There are procedures...
For Sale By Owner
James Robert Deal, Attorney and Broker, assists for-sale-by-owner buyers and sellers. Call 425-774-6611 or 888-999-2022.
Banks Losing Right to Require Arbitration
CFPB may allow consumers to sue banks and file class action cases. Banks will not be able to hide behind mandatory arbitration.
Bothell Real Estate Attorney
I am a real estate attorney serving Bothell, Washington. Contact me at 425-771-1110 or 888-999-2022.
Real Estate Attorney And Real Estate Broker
James Robert Deal is both a real estate agent and a real estate attorney practicing in Lynnwood Washington. If He is your broker, he does not charge extra for legal work related to your transaction.
Author
What To Serve A Goddess When She Comes For Dinner Welcome To My Book I highly recommend it. I had a lot of fun writing it. My book has 464 page...
Buyers With a Good Down Payment But Poor Credit
If you are a would-be buyer who has a good down payment and good income but poor credit, I am willing to help you buy property on a lease-option or contract basis. James Robert Deal, attorney and broker. 425-771-1110
Seeking Lease Option and Contract Sellers
Seeking Lease-Option and Seller Contract Sellers Open Phone Line to Brokers, Buyers, Sellers 425-774-6611 - 888-999-2022 I am working with...
Let Freedom Ring – Song
Let Freedom Ring – a song by vaccine rights attorney Allan Phillips.
Underwater Properties – Short Sales – Modification
James Robert Deal, real estate attorney and real estate agent, handles mortgage modifications and short sales.
Condo Dues – Short Sale Then Bankruptcy
Deal with unpaid condo dues by short selling the condo and going through Chapter 7 bankruptcy.
Open Telephone Line
James Robert Deal, Attorney and Broker, in Lynnwood Washington
Blacks Against Mandatory Vaccination
African-American community rages against manditory vaccination in California and the Tuskegee-like crimes of mandatory vaccines that destroy black...
$5,000 Principal Reduction
Republicans want to put an end to HAMP and Making Home Affordable.
Services We Offer
We have an open telephone line to brokers, buyers, sellers, and clients in general who may need help with buying or selling real estate or who may...
Door-To-Door Transit
Door-To-Door Transit: The Only Solution To Our Traffic Nightmare by James Robert Deal, Attorney Traffic is bad and getting worse, and there is no...
Seller Financing – The Original Financing
AN ABBREVIATED HISTORY OF CREATIVE FINANCING The first forms of financing was seller financing. The buyer would buy personal property or real...
I Help Brokers Do Seller Financed Deals
Attorney James Robert Deal helps brokers structure seller financed real estate transactions.
Lease-Option Deals Open Doors
LEASE-OPTION AND LEASE PURCHASE DEALS A lease-option or lease-purchase deal is a form of seller financing. With the lease-option deal, title stays...
Servicers Make More Money By Modifying Than By Foreclosing
Thanks to Martin Andleman and Mandleman Matters Why Does Ocwen Want to Modify Loans? Answer: Because they profit by doing so. In case you...
Zombie Foreclosures
CFPB: Zombie foreclosures hurt borrowers The Consumer Financial Protection Bureau is keeping an eye on “zombie” foreclosures, which it worries cause...
New Federal Rules on Foreclosure
New Federal Rules on Foreclosure —By Erika Eichelberger - Thanks to Mother Jones On Thursday, the Consumer Financial Protection Bureau, the federal...
Washington MERS Suits Fail
Judges Dismiss MERS Suits By Evan Nemeroff Two borrower-initiated lawsuits alleging that the Mortgage Electronic Registration Systems role in the...
Modification on Rental
It is harder to get a mortgage modification on a rental property than it is on an owner occupied property. The rules are not as clear. You need a...
Making Home Affordable Continues
HAMP continues aiding borrowers Three firms still fall short in meeting servicing goals. Thanks to Housing Wire. Kerri Ann Panchuk December 9, 2013...
Rental Property Modification
This is a rental property modification. Ocwen was the servicer, and the investor was Washington Mutual and now Chase. The owner quit paying for 20...
$157,105 Wells Fargo Principal Reduction
JS is a hard working taxi driver. He came to us after a financial hardship, including a divorce. Ocwen is his servicer, however, the important fact...
Wells Fargo – 3 Year Modification
It is a long story, which I will tell later. For now I will just share the link with you and tell you that this modification took three years to...
Principal Reduction Modification
We just negotiated this excellent modification with Bank of America. The interest rate was reduced to 2.0%. The principal balance was reduced by...
Deceptive Practices in Foreclosures
Deceptive Practices in Foreclosures Thanks to the New York Times September 13, 2013 In early 2012 when five big banks settled with state and...
Low Modification Approval Rate
This post comes from Martin Andelman. The low approval rate on modifications Martin discusses is the main reason why you should hire an attorney to...
Renters’ Rights in Foreclosure`
Renters in Foreclosure: What Are Their Rights? Federal law gives important rights to tenants whose landlords have lost their properties through...
Eminent Domain To Modify Loans
A City Invokes Seizure Laws to Save Homes Peter DaSilva for The New York Times Thanks to New York Times. Robert and Patricia Castillo paid $420,000...
Fannie and Freddie Loosen Modification Guidelines
FHFA expands suite of loan mod tools By Kerri Ann Panchuk • March 27, 2013 • 9:00am Servicers dealing with loans guaranteed or owned by Fannie...
Lenders Lie to Modification Applicants
We have found that Lenders often take advantage of those who apply for modification on their own. Lenders tell them they have not received certain...
Bank of America – Fannie Modification
HMH came to me following a financial hardship. He faced high payments on his Bank of America serviced loan, with a rate of 5.625. The investor is...
Banks Forgive Mostly Worthless Seconds
The Second-Mortgage Shell Game By ELIZABETH M. LYNCH Thanks to the New York Times IN January, federal regulators announced an $8.5 billion...
More Foreclosures Coming
Where is the housing market going in 2013? Thanks to CBS News (MoneyWatch) The housing market in 2013 stands on a precipice. While there is...
Zombie Titles
The latest foreclosure horror: the zombie title By Michelle Conlin Thanks to Reuters. COLUMBUS, Ohio | Thu Jan 10, 2013 1:58pm EST (Reuters) -...
Consumer Financial Protection Bureau Guidelines
U.S. Consumer Watchdog to Issue Mortgage Rules By EDWARD WYATT Thanks to New York Times Published: January 10, 2013 WASHINGTON — Banks and other...
Aurora, Bank of America, Citibank, Chase, MetLife, PNC, Sovereign, SunTrust, U.S. Bank, Wells Fargo –
Independent Foreclosure Review to Provide $3.3 Billion in Payments, $5.2 Billion in Mortgage Assistance WASHINGTON--Ten mortgage servicing companies...
Calibur – Formerly Vericrest
Mortgage modification is the practice of law. Dealing with Caliber Home loans is not easy. Get legal representation.
Debt Forgiviness Will Be Imputed Income Unless Congress Acts
Beware of IRS Tax Whammy With Short Sales and Mortgage Modifications in 2013 Posted on Wednesday (December 26, 2012) at 6:00 pm to Mortgages &...
Obama to Replace DeMarco – Stingy Leader of Fannie and Freddie
BYE-BYE DEMARCO! Obama to Replace Director of FHFA 3 You know, I was having kind of a crummy day… nothing serious, just dragging my feet a bit and...
California Puts Attorneys Out of the Modification Practice
California State Bar RECENT Decision to Cause More Harm to Homeowners in Foreclosure Thanks to Martin Andelman It’s hard to imagine anything...
Stratigic Default
Giving Up and Getting Out Foreclosures are no longer a last resort, and a growing percentage of americans think it’s ok to strategically default...
Jumbo Modification
A residential property where the first loan was more than around $729,000 at the time of the default is not eligible for modification under the...
What Caused the 2007 Crash
The Trillion Dollar Mistake That Triggered the Economic Meltdown Thanks to Martin Andelman It was summer, 2006, and Fed Chair Alan Greenspan had...
Strategic Defaulters – To Jail With You
FHFA Looking to Jail Strategic Defaulters by my friend Martin Andelman The Federal Housing Finance Administration (“FHFA”), which is the...
Still No Justice for Mortgage Abuses
Still No Justice for Mortgage Abuses September 1, 2012 Thanks to New York Times It has been six months since the big banks settled with state and...
Modifying Loans on Rental and Commercial Property
Under HAMP Tier 2, the Making Home Affordable program was extended to cover one to four unit residential rental properties. HAMP Tier 2 went into...
Successful Citi Modification
On this modification with Citi there was no principal reduction because the property was not underwater. However, the interest rate was reduced from...
Midland Mortgage Modification
We negotiated a good deal for Dennis and his wife. They went from a 9.5% rate to 2.0% for five years, then 3.0% for a year, and 3.875% for the...
OCWEN – Principal Reductions – 2% Rate
OCWEN Principal Reduction: We negotiated a $93,000 principal reduction for this couple, provided they remain current on their payments for three...
Misconceptions About Modifications
Read Richard Fonfrias on Seven Costly Misconceptions About Mortgage Loan Modifications:...
Who is Liable on Business Credit Cards?
Business credit cards and the individual bankruptcy case by Cathy Moran, California Bankruptcy Lawyer Small corporations may have their names on the...
Happy Clients
I only post a quarter of the modifications we complete, and I have not posted any of them for some time.I will get caught up on that job when we get...
Forensic Audits Not Useful
Homeowners: Don’t Be Scammed by Forensic Audit of Mortgage Docs Posted: 19 Jun 2012 10:00 PM PDT Written by Craig D. Robins, Esq. Unfortunately,...
Should You Reaffirm a Mortgage in Bankruptcy?
Should You Reaffirm a Mortgage in Bankruptcy? 12 Jun 2012 05:00 PM PDT Written by Craig D. Robins, Esq. Reaffirming a debt in bankruptcy means that...
Martin Andelman on HAMP 2
HAMP 2 is HERE Some say it’s the best HAMP yet, and they’re probably right about that. by Martin Andelman This past year has been transformational...
When can you file bankruptcy again?
When Can I File Bankruptcy Again? by Bankruptcy Law Network There is no limit on the number of bankruptcy cases that one may file. In fact, there is...
Debt Settlement
Don’t File Bankruptcy! by Douglas Jacobs, California Bankruptcy Attorney That’s the cry of the “debt settlement” industry. They claim that they...
Bank of America Principal Reductions
Bank of America has started sending letters to thousands of homeowners in the United States, offering to forgive a portion of the principal balance...
Foreclosure and Income Tax Consequences
Foreclosure and Its Income Tax Consequences (TheNicheReport) — In a recent issue of The Niche Report I wrote an article on how to safely “walk away”...
Wells Fargo and Robo Signing
By Travis Waldron, Think Progress Posted on April 20, 2012, Printed on April 21, 2012...
Is consumer protection enough to fix housing?
Is consumer protection enough to fix housing? HW Magazine April 2012 by Christopher Whalen It is an election year and, no surprise, President Barack...
Washington Supreme Court Hears MERS Case
WA State Supreme Court Hears Arguments in Case Against MERS “May a party be a lawful ‘beneficiary’ under Washington’s Deed of Trust Act if it...
How Many Kids Have Fluorosis?
4-1-12 Thanks to Paul Lamoreaux of Port Angeles who tracked down the information I needed: I wanted to know how many kids there are in the US age 12...
Making Home Affordable Encourages Principal Reductions
Making Home Affordable Encourages But Does Not Require Principal Reductions HAMP has increased financial incentives to servicers for principal...
Principal Reductions May Be Coming
Freddie CEO signals GSE principal reduction could be soon By Jon Prior • March 23, 2012 • 11:14am Freddie Mac CEO Charles "Ed" Haldeman gave a...
No Free House
Filing Bankruptcy And Getting Your Free House by Jay Fleischman, New York Bankruptcy Lawyer I’ve been meaning to tell you something for awhile now....
Lauren Willis – Condemn mortgages and write them down
GUEST POST: Good for the Banks, Good for the Borrowers by Law Professor, Lauren E. Willis Good for the Banks, Good for the Borrowers By Lauren E....
FHA refinancing program means savings for those who can qualify
FHA refinancing program means savings for those who can qualify The Obama administration's new plan to stimulate refinancings of FHA mortgages is...
Raise the Minimum Wage
Ralph Nader: Minimum Wage Needs To Catch Up With 1968 – OpEd Written by: Ralph Nader March 1, 2012 How inert can the Democratic Party be? Do they...
CA Attorney General Asks Fannie & Freddie to Stop Foreclosing
Atty. Gen. Kamala Harris ASKS Fannie and Freddie to Stop Foreclosing Did you hear about this? California’s Attorney General, Kamala Harris has...
Pooling and Servicing Agreement Look Up
HOW TO FIND YOUR POOLING AND SERVICING AGREEMENT It may be very valuable to your case for you to have a certified copy of your Pooling and Servicing...
Arizona asserting right to write down mortgages
Arizona’s SB 1451 – Does Arizona Have the Right to Save Itself from Drowning in Underwater Loans? Drowning in the desert. The irony alone could...
40 Million McMansions
America has 40 million McMansions that no one wants By Christopher Mims 9 Feb 2012 11:12 AM Americans, especially generations X and Y, want...
Second Mortgage Time Bomb
Chapter 13 Bankruptcy Time Bomb: Mortgage Modification by Eugene S. Melchionne, Connecticut Bankruptcy Lawyer One of the major benefits of Chapter...
Ocwen Backs Principal Reductions
Ocwen Backs Principal Reductions, Mandatory Outsourcing to Improve HAMP By: Carrie Bay 03/03/2010 Ocwen Financial Corporation has one of the...
Farmer – Fisher Chapter 12 Bankruptcy
Chapter 12 Bankruptcy 2inShare by Douglas Jacobs, California Bankruptcy Attorney A largely forgotten form of Consumer bankruptcy is Chapter 12. ...
Mortgage Settlement Reached: A Beginning, Not an End
Mortgage Settlement Reached: A Beginning, Not an End George Zornick on February 9, 2012 - 11:05am ET It’s finally here: a massive settlement, worth...
Forgery in Missouri Foreclosures
Company Faces Forgery Charges in Missouri Foreclosures By GRETCHEN MORGENSON Published: February 6, 2012 One of the largest companies that provided...
An Easier Path to Refinancing
February 4, 2012 An Easier Path to Refinancing It is only a first step toward healing the economy’s biggest open wound, but President Obama’s new...
Bankruptcy: What Are You Waiting For?
Bankruptcy: What Are You Waiting For? by Dana Wilkinson, Attorney at Law Happy Groundhog Day! Lately the same refrain keeps cropping up in my...
Facing Foreclosure? You May Have Options
Facing Foreclosure? You May Have Options If yours is one of the nation’s estimated 14 million troubled mortgages, it can seem as though you...
Top 15 Lies About Bankruptcy
Top 15 Lies About Bankruptcy by Brett Weiss, Maryland Bankruptcy Attorney Bankruptcy is an area of the law that people avoid. They don’t want to...
Freddie Mac Screws Up Again
January 30, 2012 Treasury Investigates Freddie Mac Investment By SHAILA DEWAN The Treasury Department is investigating a report that Freddie Mac,...
Why Your Servicer Does Not Want To Modify Your Loan
No Modification for You! by Chip Parker, Jacksonville Bankruptcy Attorney For the last few years, I have witnessed a steady stream of homeowners...
Independent Foreclosure Review
Background The Federal Reserve Board issued enforcement actions against four large mortgage servicers --GMAC Mortgage, HSBC Finance Corporation,...
Swindlers, Liars, and Frauds
Problems Continue with HAMP
HAMP Not Working As Planned Recent figures show that only a small fraction of homeowners are seeing any kind of permanent relief under the federal...
Attorney Shawn Newman on Foreclosure Defense
Mortgage wizard interviews Attorney Shawn Newman on foreclosure defense.
