Ron Cedillo's (rcedillo) Blog

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Real Estate Broker/Owner - Home Buyers Realty - BRE 01247457

ARCHIVED BLOG POSTS

2011 

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Modesto CA – The Stop Foreclosure Institute recently received a question from Dave. Here is Dave’s Question. “I bought several investment properties at the peak of the market. The homes have dropped in value by almost 40% and I am losing money on the rent every month. I am sick of writing a chec...
01/10/2011

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Stockton Short Sales: Can I Short Sale If I Have Substantial Assets & Good Income? January 10, 2011 Comments 0 Stockton CA – The Stop Foreclosure Institute recently received a question from Dave. Here is Dave’s Question. “I bought several investment properties at the peak of the market. The home...
01/10/2011

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  Modoc CA – The Stop Foreclosure Institute sometimes receives e-mails from people that short sales are impossible. Well, short sales are not impossible. They just take time. Here is an example. The Stop Foreclosure Institute was attempting a short sale on a property. The bank turned down an offe...
01/10/2011

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Co Yes, You Can Beat The System! Modoc CA – A lot of people in today’s lending market are stuck. They locked in their interest rate when rates were higher. Now, they are barred from refinancing because they are upside down on their house. Whenever they apply for a new loan, the first thing the l...
01/10/2011

1 Comments
  Modesto CA – Most homeowners negotiating a loan modification are not amazing negotiators. After all, it’s not every American’s job to be a great negotiator. America is built on hard work and treating people fair. Most stores offer products at a good, fair price. The price is the price. If you d...
01/10/2011

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  Modoc CA – Loan Modifications are tough. Lenders don’t want to reduce your payment or reduce the amount you owe. It’s insane. Don’t even get me started on the topic of the nation’s courts being tilted in the favor of the big banks! Most loan modifications end in failure because the banks are so...
01/10/2011

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  Modoc CA – This is one of the first questions potential short sale sellers ask us. “I heard of something called “forgiveness of debt income and that it is taxable. How does that work?” they ask. The following article is my personal opinion only. I recommend that you consult with a competent leg...
01/10/2011

2 Comments
  Stockton CA – GMAC, was the financing arm of General Motors. It was taken over by Uncle Sam and has been mostly privatized as Ally Financial. However, many people still have loans from the original GMAC. Some of these homeowners want to short sale, but are curious about how it works. Discover h...
01/10/2011

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  Modoc CA – Many of the short sale sellers we help are selling their home to avoid foreclosure. In addition, they are receiving lots of harassing calls from debt collectors. These debt collectors seem to think that if you call someone with no extra money, then you can still get them to pay. Here...
01/10/2011

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Modoc CA – If you are facing financial hardship, then paying credit cards and other unsecured debts is your lowest priority. An unsecured debt is a debt where they can’t take away your car or house. A secured debt has something as collateral, such as your car, house, or anything else of value. T...
01/10/2011
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