What are the foreclosure alternatives for borrowers who are having trouble making their payments? What actions should a borrower take to pursue these alternatives?There are several alternatives for a borrower that is having trouble making payments. Some of the alternatives available include: Repayment Plan: A Repayment Plan is used when you have experienced a temporary reduction in income or financial hardship. This option is structured to cure the delinquency over a period of time by paying a full amount, plus a partial payment on the delinquent amount, each month. An initial down payment is required. The amount of the partial payment will be based on your financial situation and your initial down payment. It is important to note, a repayment plan will only be considered if there has b... 02/19/2009

I work with Buyers and Sellers, REO's and BPO's in Massachusetts. 01/25/2009

I'm currently working with clients who are nearing a short sale status.  Although they are 'house poor' they both have good work histories at their current jobs, and have owned this home for 12 years.  The trouble came a couple of years ago when the wife got sick/injured.  They went down to one income, had two teenaged kids, lost their health coverage, took equity from the home, yada,yada, yada.  I recieved written permission to discuss their options with their mortgage company and was told that they are good candidates for the Loan Modification program which would allow them to keep the house. I would be interested in hearing of any one's experiences with this.  (Good, bad or indifferent.)   09/27/2008

This blog could be filed under 'Agent with too much time on his hands.'  The fact is that there is a lot of history in these old New England cities.  Around the turn of the 20th century a group of engineers were brought into this bustling shoe manufacturing city of nearly 100,000.  Their mission was to design a rail system that would expidite the transportation of output from the many factories.      The result of their labor was a rail line that ran the length of the city, including through the center.  At no point, however, did any vehicles ever have to stop for,or cross railroad tracks. Close to a dozen points of the north to south rail line that intersected the east to west street traffic were designed so that one passed over, or under, the other.  Most of the original bridgework is... 07/05/2008

On Wednesday, The Brockton Housing Partnership established a program that will enable buyers to receive 100% financing on the purchase of foreclosures and short sales. This move will also put protections in place that will make sure these consumers do not default on their loans. Mass Housing will be providing borrowers with Mortgage Insurance Plus. The Name of this program is called Buy Brockton. To read the full story Click Here.  04/25/2008

     Useful Information for the Greater Brcokton area residents. THE TAX MAN COMETH...And along with the tax man come the inevitable new breed of scam artists. Be on guard - criminals who want your personal information use this hectic and confusing time of year to prey on unsuspecting individuals.Watch out for unscrupulous scammers, who are sending emails that appear to be from the IRS. The content of the emails are often written to persuade you to link to a website that will allow you to update your data or receive important information. Remember, these phony emails are quite sophisticated, and the links send you to what usually appear to be legitimate IRS or government websites. In reality, they are not. These sites will prompt you to divulge private information under the guise of the... 02/19/2008

Renting in the Greater Brockton area may be costing you more than if you bought a home.   Everyone has heard of Forbes Magazine.  They are known for its list of the wealthiest people in the workld.  But how do you measure wealth?  Forbes does it by examining net worth. Now consider how renting affects your net worth. The information below demonstrates the dramatic difference between net worth of renters and homeowners.  With the equity in their homes, homeowners enjoy a huge wealth advantage over renters.  The Impact of Home Ownership on Net WorthFrom the Federal Reserve 1995-2004 surveys of family characteristics Years 1995 1998 2001 2004Median Net Worth: Homeowner $128,100.00 $153,200.00 $182,900.00 $184,400.00Median Net Worth: Renter $6,000.00 $4,900.00 $5,100.00 $4,000.00The Homeown... 02/15/2008

Cidalia Mendonca Matukas | Keller Williams Realty | 781-389-7252 41 Ellsworth  St, Brockton, MA 3 Bdrm Condo offered at $232,000   Year Built 2005 Sq Footage 1,368   Bedrooms 3 Bathrooms 1 full, 1 partial   Floors Unspecified Parking Unspecified   Lot Size 6,098 sqft   HOA/Maint $0 per month     DESCRIPTION 41 Ellsworth Brockton. Be a new homeowner this year! As you enter this home you will enjoy the stunning and open floor plan. Entertain family or simply enjoy a quiet night in. The upstairs bedrooms are bright and airy. Need more space? Check out the finished basement. This property is a shortsale and subject to third party approval. Sold "as is".   see additional photos below      PROPERTY FEATURES Central heatFamily roomDining roomDishwasherStove/OvenStainless steel appliancesAttic... 01/20/2008

Good Afternoon, It is a great day ! I am excited to announce that I am considered the Realtor of choice for the Greater Brockton area by Fox 25 news.  I will be promoted by their news station and on their website.  Click on the link below and take a look.  http://1877mlsexperts.com/Boston/Cidalia_Mendonca_MatukasKeller_Williams_Realty   you can also go to the main page at   www.myfoxboston.com   and take a look at the mlsexpert portion on the right hand side of the page.   Please share this with anyone you know. I thank you all for your support it means a great deal to me.  Cidalia Mendonca Matukas Keller Williams Realty781-389-7252Cidalia@kw.comwww.HomesbyCidalia.com  01/10/2008

I recently spoke to a few past client and fututre cl;ient and the biggest question in their minds was what I do to discover the price of their home that will make it sell.  Well here goes....Okay, you and your significant other have decided to sell your house and move.  You contact a Realtor to pay your home a visit and price it for the market.  Now what?  Most home sellers do not jump up and down with joy when they hear how much the Realtor believes their house is worth.  Why is this?  One reason and one reason only.  Emotions!  Home owners are very emotional about their home and how much they think it's worth.  Realtors are not emotional.  It's their job to price the home as high as possible, but at the same time have it be competitive within the parameters of the current market.  To ... 01/09/2008

12/18/2006  12/18/2007Price RangeNumber ofListingsAvg. Dayson Marketvs. todayNumber ofListingsAvg. Dayson MarketUnder $50,000-- --$50,000 - $99,999-- 1348$100,000 - $149,9991260 11217$150,000 - $199,99921132 106132$200,000 - $249,99983145 160128$250,000 - $299,999145125 133146$300,000 - $349,99993130 54154$350,000 - $399,99958144 2196$400,000 - $449,999558 9218$450,000 - $499,9998110 4178$500,000 - $599,9991315 --$600,000 - $699,9991149 --$700,000 - $799,999129 1104$800,000 - $899,999-- --$900,000 - $999,999-- --$1,000,000 - $1,499,999-- --$1,500,000 - $1,999,999-- --$2,000,000 - $2,499,999-- --$2,500,000 - $2,999,999-- --$3,000,000 - $3,999,999-- --$4,000,000 - $4,999,999-- --$5,000,000 - $9,999,999-- --Over $10,000,000-- --Total Properties417Avg. 133 500Avg. 139Lowest Price:$139,900Me... 12/18/2007

Need to sell your home?  Can't afford the payments? Owe more than the home is worth? Think you are in a short sale or pre-forclosure situation? If you answered yes to any of these questions then you need contact Cidalia today at 781-389-7252 or by  pressing  HEREto schedule a private consultation to see if she can help you.  Cidalia has a team of professionals who have helped many people that sell their home. 12/16/2007

Do you have a property that needs a JUST SOLD sign on the yard? Call me today so that I can show you the success I have shpown other clients including the homeowner of the property at 242 Sinclair Road in Brockton.  We closed on this home today.  On the market for 55 days asking 190K sold for 190K.Know anyone that I can help call me at 781-389-7252 or e-mail Cidalia@kw.com Look forward to hearing from you. Cidalia Mendonca MatukasKeller Williams Realty781-389-7252www.HomesbyCidalia.comCidalia@kw.com 11/19/2007

The age old question "if now is the time to buy" or " is the market still declining "? I wish I had the concrete answer. Here is my professional opinion.If you are considering buying for a 5 year plus investment then there could not be a better time to buy. The inventory is saturated with oprtion. The buyer is in control. Buyer can get great deals and have a beautiful home in neighborhoods that in the past were unreachable.Historically, real estate has always been a great investment. Yes values go up and then go down. However, long-term , unless you use your home like an ATM, you will gain equity and get a great return when you sell later on.In this market, a great realtor that will due their due diligence to discover if the home is priced correctly could never be more valuable. If the ... 11/13/2007

Looking for Specific Demographics in the Southeastern Area?If you are looking for specific demographic information on Brockton or any area in the South Shore zip codes, go to http://www.zipskinny.com/ and simply put in the zip code you are curious about to get information. If you relocating and do not know the zip codes for this area here they are:Brockton02301,02302Stoughton02072South Easton02375Norton02766Mansfield02048you may also visit http://www.usps.com/ for other zip codes.Enjoy, this is a cool website!Cidalia Mendonca MAtukashttp://www.homesbycidalia.com/781-389-7252Cidalia@kw.com 11/11/2007

  Lovingly restored and remodeled, New England farmhouse set on nearly two acres of private, wooded land.  New Title 5 septic system, new gas hydro-air heating system and new AC with three zones.  Sunny, new maple kitchen with granite countertops and stainless steel appliances, 1 1/2 baths with all new tile floors and fixtures.  Delightful, ountry farmer's porch and dining room with French doors opening to a 12'x20' deck and beautiful back yard.  Virtually everything has been updated from electrical to plumbing to insulation.  However, all the original, charming details have been preserved.  Perfect family home in desirable location within walking distance of schools and town center. Offered at $389,900. 11/05/2007

IF YOU'RE RAISING more than just your standard of living, then you will appreciate the child safe, tree shaded yard that comes with this 1190 square foot , 2 years young, 3 bedroom, 2 bath Raised Ranch home in the fine City of Taunton. The home, which has an unassuming charm that complements the environment, offers a sundrenched kitchen, a living room that will hold a cub scout pack, and a Fenced in Yard. Call today to see where your family's going. All for $329,900. 11/05/2007

Wanted to remind everyone of the FREE home buying seminar next Saturday November 3rd from 9-11am. at 824 Washington Street in Stoughton. You will have an opportunity to learn about what is really going on in the market, what mortgage products are safe and good to use, what to expect from your mortgage broker and your agent and much more !!!Please bring your questions we are here to help.Refreshments WILL be served !!! 10/25/2007

Home Buying Without Risk!  What are you waiting for? Come join myself and a reputable mortgage lender at our Buyer information seminar.When :Saturday Novemebr 3rd 9-11amWhere : 845 Washington Street (St.JohnFilarmonica Club)Stoughton Mass 02072What you will learn:what is happening in the housing industry what to expect from your realtor and loan officerconforming mortgage productshow to protect yourself from a sub prime loanand much more!Refreshments will be served! Please visit us and bring your questions. Look forward to hearing from you. For additional details please e-mail at Cidalia@kw.com or call 781-38-7252   10/18/2007

   Just Sold in only 63 days!                Just Sold Randolph $224,000 in only 63 days!. Do you know someone who would like to sell their home? I would love to be the agent to help them achieve that goal. Please don't hesitate to give my information to anyone you know or visit my website http://www.williamsteamrealty.com/                                                                         10/13/2007