HELPING OTHER BROKERS
TO STRUCTURE DEALS 
AND GET THEM CLOSED

● I am a real estate broker and a real estate attorney. I can wear either hat or both. I help buyers, sellers, and other brokers throughout Washington. Bring me on board when your purchase or sale involves legal issues or when you just want the assurance of having an attorney on your side.  I can often quote a flat fee payable at closing.  

● Rather than compete with other brokers, I like to co-broker with them on challenging transactions.  See my co-brokerage agreement. When I do so, I can often quote a flat fee payable at closing. The buyer or seller pays me at closing as a separate commission.  

● I help with commercial transactions, seller financing, wrap-around deals, assumptions, lease options, multiple offers, and short sales. Such transaction are all different, and an attorney should be involved – to get the transaction set up right and send it to escrow all ready to close.  

● I ran an escrow department in my law office for 20 years. I have reviewed or written or rewritten thousands of real estate contracts. For five years I ran Deal Mortgage. I am a licensed but inactive mortgage loan officer, so I understand financing.  ● It’s okay to call me. There is no charge for telephone inquiries, whether from buyers, sellers, or brokers. Call 425-774-6611.

● I am very involved in green politics. See www.JamesRobertDeal.org

● I am the president of Fluoride Class Action. See www.Fluoride-Class-Action.com

●  I am the president of the Coalition Against Smart Meters and 5G. See www.JamesRobertDeal.org/Smart-Meters.    

Sincerely,

James Robert Deal , Attorney & Broker
James@JamesDeal.com
PO Box 2276 Lynnwood WA 98036
Law Office Line: 425-771-1110
Broker Line: 425-774-6611
Cell and Text Line: 425-670-1405
KW Everett Office Line: 425-212-2007
Fax: 425-776-8081
Paypal.me/jamesrobertdeal
WashingtonAttorneyBroker.com
WashingtonAttorneyBroker.com/Helping-Brokers
Cell phone real estate app: app.kw.com/KW2V4HP64/
Desktop real estate app:  jamesrobertdeal.kw.com 
Mortgage-Modification-Attorney.com
Fluoride-Class-Action.com/Safewater
JamesRobertDeal.org/Smart-Meters
JamesRobertDeal.org/Attorneys-Viewpoint-Vaccinations
JamesRobertDeal.org/Door-To-Door-Transit
WhatToServeAGoddess.com/Music-By-Jimmie-Deal

Seller Financing – The Original Financing

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 property and pay the seller on an installment basis. Over time lending houses grew up, and purchase mortgages developed....

Lease-Option Deals Open Doors

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 in the seller until the buyer refinances or resells or otherwise pays off the seller. The wrap-around deed of trust deal...

Zombie Foreclosures

Zombie Foreclosures

CFPB: Zombie foreclosures hurt borrowers The Consumer Financial Protection Bureau is keeping an eye on “zombie” foreclosures, which it worries cause “direct borrower harm,” according to a CFPB executive. Zombie foreclosures occur when a bank starts the foreclosure...

New Federal Rules on Foreclosure

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 consumer watchdog set up by the Dodd-Frank financial reform bill, announced a new set of foreclosure-prevention...

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 plaintiffs' deeds of trust caused them injury were both dismissed by federal judges in the Western District of Washington...

Modification on Rental

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 higher income to qualify for a rental modification because you have to be able to cover your home mortgage. Nevertheless,...

Making Home Affordable Continues

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 4:48PM Bank of AmericaCitiTreasuryHome Affordable Modification ProgramHAMPhomeownersObama AdministrationHousing...

Rental Property Modification

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 months, and the balance rose to $254,000. The interest rate was already under 3.0%, because this was an adjustable rate...

Deceptive Practices in Foreclosures

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 federal officials over widespread foreclosure abuses, flagrant violations — including the seizure of homes without due process...

Low Modification Approval Rate

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 do your modification. Our success rate on modifications is much higher, around 80%. Of course, part of the reason why...

Renters’ Rights in Foreclosure`

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 foreclosure. Renters and tenants are now being affected by foreclosures almost as often as homeowners. The financial...

Eminent Domain To Modify Loans

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 for a three-bedroom, one-bathroom home in Richmond, Calif., in 2005. It is now worth $125,000. By SHAILA DEWAN...

Lenders Lie to Modification Applicants

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 documents and say their documents have "expired". Often lenders  decline modification and do not make the reason clear....

Bank of America – Fannie Modification

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 Fannie Mae. HMH is self-employed as a taxi driver. He also owns a rental house in Brooklyn, which breaks even or makes a...

Banks Forgive Mostly Worthless Seconds

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 agreement with 10 mortgage servicers to settle claims of foreclosure abuses, including bungled loan modifications and the...

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 hope that the slow, but real, housing recovery that took hold last year will continue, fear remains that a sudden economic dip...

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) - Joseph Keller doesn't expect he'll live to see the end of 2013. He blames the house at 190 Avondale Avenue. Five years ago,...

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 lenders will be prohibited from making home loans that offer deceptive teaser rates or require no documentation from...

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 LISA IANNUCCI Years ago, homeowners viewed foreclosure as a last resort – after all other means had been exhausted to save...

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 Making Home Affordable program. However, home owners with jumbo-size loans should not despair - especially if their home is...

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 just raised interest rates for the 17th consecutive time in an effort to cool off the over-heated U.S. housing market.  ...

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 agency created to oversee Fannie Mae and Freddie Mac… the one run by perhaps the least popular man in America for his refusal to...

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 federal officials over evidence of widespread foreclosure fraud, promising to provide $25 billion in mortgage relief in...

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 6.375% to 2.0% for five years, 3.0% for one year, and then 3.875% for the next 35 years. Read the details here:...

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 balance of the loan. They also got a $24,000 principal reduction. Read the details here:...

Misconceptions About Modifications

Read Richard Fonfrias on Seven Costly Misconceptions About Mortgage Loan Modifications: http://washingtonattorneybroker.com/wp-content/uploads/2012/08/richard-fonfrias-7-costly-misconceptions-about-mortgage-loan-modifications.pdf

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 shareholder’s credit card, but likely are not actually liable for the charges made on the card.� Clients come with...

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 back from our road trip vacation. But I just have to post this letter from a client regarding a modification that is...

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, homeowners who can barely afford their monthly mortgage payments or who are in foreclosure are in a very vulnerable...

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 you continue to be obligated on the debt as if you hadn’t sought bankruptcy protection. Debtors sometimes reaffirm their...

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 as far as the foreclosure crisis was concerned, although we weren’t sure what was being transformed much of the time, and...

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 no limit in between time frames to file bankruptcy. Nevertheless, if sufficient time between filings does not take...

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 will help you rid yourself of debt without bankruptcy. If you avoid the out-right crooked companies, can they do it?  Sure…...

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 on their mortgages by an average of $150,000 each. The reduction for qualifying homeowners could amount to monthly...

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” from your mortgage. That article discussed consumer protection statutes, enacted by such states as California, known to...

Wells Fargo and Robo Signing

By Travis Waldron, Think Progress Posted on April 20, 2012, Printed on April 21, 2012 http://www.alternet.org/newsandviews/907008/wells_fargo_insiders_detail_foreclosure_fraud_practices%3A_%E2%80%98it%E2%80%99s_exactly_like_an_assembly_line%E2%80%99   That Wells Fargo...

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 Obama is pushing his new Homeowner Bill of Rights that would slow or curb foreclosures when mortgage holders fall...

Fluoridation is Illegal – Sign Petition

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