April 10, 2009

For Immediate Release

 

I have been talking a lot about foreclosure lately on this site. But the conversation tends to dwell mostly on the implications for real estate values. The truth is most of my experience with foreclosure is much more personal. I work with people, after all. And people have hopes, dreams, fears - and most importantly - they have families.

Often, the level of trust and emotional intimacy between the homeowner and myself is extraordinary. Truth is it’s pretty hard to put that into words. And I have been especially concerned lately about the most innocent victims of the housing meltdown - children. 

I have seen this firsthand. And last year I read a study estimating that an enormous number of children would be directly affected by foreclosure.     

So that is the background behind a new book I wrote called, Mia’s Home. It is an illustrated book for parents to read with their children. The book is designed to encourage families to discuss tough topics like foreclosure, short sales, distressed home sales and so on.

My plans for the book are simply to give it away to families facing foreclosure that I meet. I’m not an author and I have never done anything like this before. But no one else seemed to be doing it, so I got up the courage to give it a shot! After writing the book I got back in touch with a college friend who is an artist. I was extremely lucky to convince him to illustrate the book. 

The book will be self-published and available on Amazon (and to all retailers) in approximately one month. If you know someone who would benefit from this book please contact me right away. 

 An electronic copy of the book is below. Please leave your comments. I want to get a list of testimonials to add to the front of the book in it’s next update. 

Mia’s Home:

A read together book for parents and children during foreclosure or economic crisis

By Ryan Rockwood

Most of my clients never know that I don’t eat meat or dairy or any animal products. I also chose not to buy or wear products and clothing made from animal products. It’s a personal decision I made some years ago.

These days there are great alternative options for everything from protein to Jello. So it’s not usually a big deal. But today that is not the case. I’m in massive pain.

The reason for my agony? Vegetarian Shoes.  Take a second and try to get over your amazement that such a thing exists. Indeed! What did you think we did?

Anyway, no surprise they are terrible quality and incredibly rough on the feet. They look OK for a couple months. But leather continues to be a tough product to beat. Leather rules the garment industry.

So why this discussion of my footwear and why should you care? Because I spent the day walking around announcing a remarkable free seminar we are going to hold for the community on Monday, March 16. You are invited. But I’ll be wearing my leather-free sneakers and I apologize in advance for the fashion faux pas.  

What you need to know:

Heard of the Housing Bailout? Well, for most non-Bernard Madoff folks like you and me the bailout is only going to benefit you if you are approved for a Loan Modification. What is a Loan Modification, you ask? Geez, what rock are you living under? Did I sell you that rock?

Loan modification is a process whereby a home-owner’s mortgage is modified and both lender and homeowner are bound by the new terms. The most common modifications are lowering the interest rate, reducing the principal balance, ‘fixing’ adjustable interest rates, increasing the loan term, forgiveness of payment defaults & fees, or any combination of these.

————-That’s courtesy of Wikipedia. Learn more by clicking here.

Now you are probably wondering something along the lines of, ‘Gosh, could I get a loan modification?’ And I’ve got GREAT news for you: Maybe.

We have personally done a bunch of loan modifications (including 6 of our own personal mortgages). And we proceeded to write a book on How to Get a Loan Modification. (I wish I could say my expertise was on the topic of being super wealthy and not knowing what to do with all that cash lying around. *Sigh* Oh well, maybe someday)! Until then, when life hands you lemons…..well, you know the rest.

So here are the details you’ll need to determine if our free seminar (that could change your life) is worth missing reruns of CSI Miami.

FREE - Mortgage Modification workshop  March 16th at 7 p.m.

Hosted by Loan Modification Expert Author Mike Rockwood

60-Minute Loan Modificationauthor, Mike Rockwood, will show South Bay homeowners how to apply for and negotiate a loan modification with less than 1 hour of work.

Mike says: “I’ve already modified 6 of my own mortgages, and my system makes it utterly painless to lower your interest rate, lower your monthly payment, and save your home.”

How it Works: You have two options (1) come and learn exactly how this works so you can do it on your own afterwards (2) bring your W2 forms from the past 2 years along with your last 2 pay stubs and you can do your application right there on the spot.

Time: 7:00  p.m.
Where: 500 Silver Spur, Suite 303, Rancho Palos Verdes, CA.
Cost: $97 Free of charge!
For:Southbay Homeowners with Bad Mortgages.                  

Limited Space! You MUST reserve your place by calling 310.634.0362

Still not sold?

Well for goodness sake, read our flyer below this very minute: 

 

How Bad is Your Mortgage?

“Learn How I Modified my Mortgage down to 5.125%, Knocked $199,433 off my Total Loan Expense, and Lowered my Monthly Payment by $686 all with No Fees and Only 60 Minutes of Prep Work!”

To: Struggling South Bay Homeowners
From: Mike Rockwood (Torrance, CA)

Dear Homeowner,

Let me guess… you’re struggling to make your mortgage payments each month, your house is dropping in value by the day, and you’re not sure what to do?

 

Don’t worry—you’re NOT alone!I used to feel physically ill when the 1st of the month rolled around. I’m an honest, hard-working person like you, but I got caught up in the buying frenzy of 2004-2007. I borrowed too much, my lender lent me too much, and I nearly foreclosed on all 5 of my properties…… but I was lucky enough to attend a workshop where I learned about mortgage modification, and within weeks, everything changed!

Here’s the truth: President Barack Obama has made mortgage modification the easiest way to save your home, lower your monthly payments, and lift you out from under water.

 

Times are tough, for sure, but there’s finally hope for people like you and me. Enough talk… let me show you some of my own successes to date:

 

My Indy Mac Loan Modification:

     Before: 6.5% fixed (not bad… but not good enough)
     After: 5.125% fixed
     Monthly Savings: $638 (and $199K over life of loan)

     *primary residence

 

My Wells Fargo Loan Modification:

     Before: 6.5% fixed

     After: 4.5% fixed

     Monthly Savings: $262

 

My Litton Loan Services Loan Modification:

     Before: 7.35% fixed

     After: 7% fixed

     Monthly Savings: $140 ($27K over life of loan)

     *Rental property

 

My 2^nd Litton Loan Modification:

     Before: 12.5% fixed

     After: 7.0% fixed

     Monthly Savings: $95 ($12K total over life of loan)

     *Rental property

     *PLUS I reduced my principal by 20%

 

Why Are Banks Giving Away Money Like This?

With five million homeowners facing foreclosure right now, and each foreclosure costing lenders a minimum of $50K just in fees, banks are so desperate to keep you in your home that they’re literally handing out money to people who are organized and ask the right questions.

My FREE Mortgage Modification Workshop works like this:

7:00-7:30 P.M. – I’ll show you how to quickly (we’re talking minutes here) put together a well-presented loan modification application that is guaranteed to get reviewed by your lender

7:30-7:45 P.M. – Together, we’ll write your hardship letter communicating to your bank your situation very clearly (this part is super easy… like filling in the blanks).

7:45-08:00 P.M. – I’ll take questions and give answers to any and all loan modification questions. I am an authority on loan mods, so if I don’t know it, it’s probably not important—and if it is important, I’ll find an answer for you before the evening is over!

Why Are You Doing This For Free?

I’m very proud of my new book, the 60-Minute Loan Modification, and I’m doing this as a means of publicity and promotion. As great as my book is, I realize that in about 12 months, loan modifications are not going to be offered anymore (banks aren’t THAT crazy), so I have to spread the word as fast as possible.

PLEASE NOTE: you do NOT have to buy my book, and this is not a sales presentation. This is a rare opportunity to get 100% free help from me. I’m an expert on mortgage modification, and I can help you.  

Reservations Required:  Call 310.634.0362 or email help@60MinuteLoanModification.com

 

 

 

 

 

 

Loan Modification Mania

Unless you’ve been living under a rock you know the latest craze to hit Real Estate is the Mortgage Modification Craze. Personally I haven’t known anyone actually making a fortune doing loan modifications. But it is a genuine opportunity to help people. And do people ever need your help, you really can’t imagine. 

Like the real estate industry itself the Loan Modification industry has gained a lousy reputation in record time. There are scammers and hucksters out there for sure! I can’t tell you how many people I’ve met in the past couple years that had devoted their lives to various foreclosure scams. 

Dirty Crooks!

That said, many of the current so-called ’scams’ really aren’t scams at all. They are just costly - which people tend to equate with scam. But it’s not the same at all. I suggest folks shop around for a solution that fits their budget. Or even do a loan modification yourself for free - if you have the time and energy to devote. 

The sad result of all this is that reputable folks are less likely to get involved in helping people get loan modifications. And that is really horrible news for millions of homeowners that really need help.  

The path less taken

We decided to go the route of educating homeowners to do their own home loan modification. We wrote a book and we sell the book. Simple. Clean. Straightforward. You can check it out here:  How to get a mortgage modification. 

Yes, we need to eat too

And please don’t write to me saying our book is a scam because we charge for it! (Unless you do your own taxes, marriage/divorce, oil change, car repair, lawn work, haircut and all the millions of other ‘free’ things we gladly pay for). 

We have now done 6 of our own loan modifications and helped dozens of others and we learned a few things along the way which we put in the 100+ page book (along with an audio version of the book, all the forms needed, a video demonstration and our actual recorded calls with lenders and clients). It’s the result of about 6-months of hard work by 2 Southern California Real Estate professionals. It’s worth the money. Plus, we have a guarantee. 

Make money helping people get Loan Modifications

We do have an awesome Loan Modification affiliate program available to people who can reach homeowners. If you don’t know, an affiliate program is as simple as putting a special link to us on your Website or in your emails. The visitors to that link are automatically assigned to you. They purchase & you get paid. Whoo-hoo. And rest assured you are promoting the very best product on the market. (Believe me, we didn’t want to write our own book). If you are interested in becoming an affiliate (reseller) I setup a special page today with more info here: Best Loan Modification Affiliate Program. If you are ready to get started right away it is free to sign up and participate here: DIY Loan Modification Book Affiliate Program.  (Look for the small link that says something like, ‘create an account’) 

Thanks for reading and have a great day,

Ryan ‘Rocky’ Rockwood

Instead of purchasing a new home in a development, consider purchasing Rancho Palos Verdes real estate foreclosures. Here are a few reasons why foreclosures are good investments.

Many believe the only houses worth buying are houses that are being sold at market value.  While it is certainly true that the Rancho Palos Verdes real estate market does have quiet a few gems, there are just as many great investment opportunities with its real estate foreclosure market.  

Rancho Palos Verdes real estate foreclosures offer many real estate investors a fantastic opportunity to make quite a profit.  Foreclosures are houses that a bank or mortgage lender has seized from the current owners due to a defaulted on their loan.  Some foreclosures are being sold at a deep discount by the current owners in an attempt to avoid having a foreclosure put upon their credit history.  Often, these pieces of real estate can be purchased for however much the owners still currently owe on their mortgage. 

Often, Rancho Palos Verdes real estate foreclosures end up being put up for sale at an auction, but there will always be  properties that do not sell at auction and that bank or mortgage company is anxious to get rid of. This is where the true Rancho Palos Verdes real estate bargains are found. Houses held by the bank sell for a small fraction of their market value because the bank wants to get the house off of its books!  The owner is free to keep the house for himself or sell at a profit!

There are many who will say that real estate agents aren’t your best option for foreclosure information. This is simply untrue!  Who better to tell prospective buyers about potential bargains than someone with intimate knowledge of the Rancho Palos Verdes real estate market?

 

The real estate experts at Rocky Rockwood are familiar with all aspects of the Rancho Palos Verdes Real Estate market and have plenty of experience helping real estate investors find the bargains they are hunting for. For a 100% free initial foreclosure consultation, contact Rocky Rockwood! These agents can be reached by calling 310-809-0203 or e-mailing ryanrockwood@kw.com. Call or e-mail to set up your appointment today!

Washington Mutual (now a part of JP Morgan Chase) REO deals are on hold while the FDIC and Title Companies work things out. My Hawthorne listing (mls #S08106073), that’s 4347 W. 138th Street in Hawthorne, CA was cruising to close. The lender called yesterday to confirm the planned closing only to learn of the new “problem” with WaMu REO’s.

Escrow passed along a message that was provided by Chicago Title Co., explaining that the FDIC and WaMu have to establish a process for transferring title - so that the Title Companies can insure the title. Seems like the kind of thing they do everyday, no?

Seems wrong to hold-up liquidation of bank-owned assets on deals which dozens of employees and vendors have already spent months and thousands of dollars evaluating…while the value marched steadily southward!

This one has declined over 40% in value from the last sale 38 months ago. So, if my client drops out to buy another property this one is likely to continue its southward march for another few months. It had been on the market for over 250 days when we went into escrow.

WaMu/FDIC say they do not know how long it will take them to work out the title issues. In the meantime, we keep shopping!

 

Mike ‘Rocky’ Rockwood is part of the father/son Real Estate team, The Rockwood Group. Torrance home buyers and home sellers can reach The Rocky Rockwood Group at 310-809-0203 or Ryanrockwood@kw.com.

1504 Felton lane, Redondo Beach, CA: Fresh Home listing.

Contact Rocky Rockwood to learn more about this home(and other similar South Bay Real Estate bargains)

Breaking news: The buyer on this home has decided to move on to another property. Call now to register for an interest list as this home may return to the market in the next 24-hours. Rocky is at 310-809-0203.

Redondo Beach living at Inland prices! Wow, checkout this lovely 4-bedroom single family home that just became available in Redondo Beach, CA. Upgraded extensively, lovingly cared for and meticulously maintained this is an amazing opportunity. Act quickly, please! Kitchen has been entirely remodelled recently. Bathrooms are completely redone. Hardwood, travertine and tile floors throughout the house are in great shape. Walls are painted in modern colors. Upgraded light fixtures and ceiling fans in almost every room. Attached 2 car garage has ample room & additional 3-car parking outside. Backyard is completely enclosed & perfect for kids and animals. Bonus: Outdoor living space on top of the garage is completely surrounded by gates for safety.

Recorded Information line 24/7 call: 800-809-0271 ext 2108

South Bay foreclosure Homes List (Updated Weekly)

You’ve come to the right place if you are a potential buyer of foreclosure homes in the South Bay region of Los Angeles (Cities include Manhattan Beach, Hermosa Beach, Redondo Beach, Torrance, Rancho Palos Verdes, Palos Verdes Estates, Rolling Hills, Rolling Hills Estates, Palos Verdes Peninsula, Lomita, San Pedro and more).

Purchasing a South Bay Distressed or Forclosure Home is not a simple process. So please don’t be frustrated if it takes you a while to understand the process completely. South Bay Real Estate Agents Mike and Ryan Rockwood (Rocky Rockwood Team) hold weekly educational seminars. These are fun and free educational sessions on a variety of topics (including a question and answer session).

For more info, call South Bay Real Estate Team of Rocky Rockwood at 310-809-0203 or complete this form to be contacted by a South Bay Foreclosure Expert.

Notice of Default for South Bay Real Estate (Owner is behind on payments)

NOD 9-19 to 9-24

NOD 9-9 to 9-18

NOD 8_22 to 8_29

NOD 8_14 to 8_21

Notice of Trustee Sale for South Bay Real Estate (Auction Scheduled)

NOT 9-19 to 9-24

NOT 9-9 to 9-18

NOT 8_22 to 8_29

NOT 8_14 to 8_21

Real Estate Owned in South Bay (Bank Owned)

REO 9-19 to 9-24

REO 9-9 to 9-18

REO 8_22 to 8_29

REO 8_14 to 8_21

Unscrupulous Lending Companies Prey On Home Owners Who Fall Behind On Their Mortgage

 

By Robert Massi

With
mortgage rates rising, home prices falling and consumers hampered by
more credit card, auto and bank debt than ever, there has never been a
more fertile time for scams that target homeowners.

A
July 3 New York Times article put a face on the victims of the latest
practice of “equity stripping.” In this home loan scam, homeowners who
have fallen behind in their mortgage payments sign over the deed to
their property - often unknowingly - in exchange for promises of
immediate cash and the chance to retain their home.

Once
these unscrupulous lending companies have the deed to the property,
they borrow against the equity in the home, pocket the cash and
patiently wait for the inevitable: the homeowner again falling behind
in payments.

As
holders of the property deed, these predatory lenders are then able to
foreclose. Armed with misleading advertising - and with an increasing
number of homeowners seeking a quick fix for financial woes - these
companies are successfully exploiting some of the most vulnerable
members of our society.

The
relentless pursuit of the American Dream - big house, multiple cars, a
wallet full of credit cards stretched to the limit - has left millions
of Americans poised on the brink of a financial disaster. It takes just
one moment of misfortune: an illness, an elderly parent that needs
financial assistance or the loss of a job to put these homeowners at
risk of losing everything they have worked so hard to acquire.

Over
the past 10 years, the housing boom has been a housing boon to those
middle and lower-class strivers who have managed to scrape together
down payments and qualify for mortgages. But while the housing market
is slowing, credit debt and consumer spending are increasing.

Many
people have a frightening a lack of knowledge about the terms of their
mortgage loans. They don’t take the time to understand alphabet soup of
available financing options: ARMs, GPMs, APRs - not to mention
“balloons,” “buy downs,” and “jumbos.”

As
a result, when debt overtakes earning and dark terms like “foreclosure”
become part of the vocabulary, most homeowners panic and seek what they
believe to be the quickest, easiest solution to their cash flow
troubles.

It’s
hard for frantic homeowners not to be tempted by the slick marketing
campaigns and smooth operators that offer them the promise of an easy
way to save their home and repay their debt. It’s equally difficult to
access the information that will help them to, at best, keep their
home, or at least allow them to tread water financially while waiting
for their situation to improve.

And
while these scams are finally coming under the scrutiny they deserve,
they are the inevitable outgrowth of fraudulent practices between
appraisers and mortgage companies over the past 10 years. Inflated
appraisals and unorthodox lending structures have added momentum to the
downward spiral of the real estate market, creating an avalanche of
foreclosures for first-time buyers, over-extended families, folks on a
fixed income, and other vulnerable homeowners.

 

As an attorney who practices in Nevada, the leading state in the nation for foreclosures (as reported in “In Business Las Vegas”), I’ve had too many people arrive in my office only after it’s too late for me to be of help. I get angry when I have to tell a retiree that I can’t stop the foreclosure on their condo because the loan company they deeded their home to has stripped the equity from the property and is waiting patiently for the homeowner to default on payments once they have drawn down their loan amount. Or when I have to tell the single mother that has refinanced her home four times over the past two years - despite her poor credit history - that there’s no way to stop the foreclosure process unless she can continue to make the high monthly payments she was basically conned into thinking she could afford. It’s this sense of outrage over the accessibility of basic facts necessary to make informed judgments that affirms why we must continue to strive to educate citizens about basic legal rights and terms. So, I’m taking this opportunity to share what I know to be true about preserving your equity and your home:

1.
Understand the terms of your home mortgage loan. Invest the money up
front for a lawyer to review and explain it to you, or use a reliable,
competent real estate agent.

2.
Stick with established mortgage companies with long histories of
providing loans. Be suspicious of companies that are not licensed or
offer too-good-to-be-true financing. Your local Better Business Bureau
can help you research mortgage companies in your area.

3.
Learn about mortgage scams to protect yourself; the Federal Trade
Commission spells out these practices in simple terms on their website:
www.ftc.gov or call them at 877-FTC-HELP

4.
If you are confronted with a foreclosure situation, consult a lawyer
when you first receive a notice of default. Don’t ignore the facts. If
you expect your financial situation to resolve in the short term, you
may be able to work out an agreement with your mortgage company.

You
may want to explore bankruptcy arrangements. You may choose to sell
your home yourself, retain your equity and re-enter the housing market
when you are financially stable once more.

I
believe that educating the public is the best defense against fraud in
any arena. To a desperate homeowner in this current volatile housing
market, a deal that promises to get them out of debt and restore
ownership in their homes may sound too good be true. And, like all
successful frauds, the truth is: It is.

Take advantage of our special report & learn how to break this horrible money-draining cycle NOW.

Special Report on how to Sell Your Home FAST!

Free Report

Find out how making just ONE change to your listing can increase buyer response TEN FOLD!

Get Free Report - Click Here

 

Torrance real estate forclosure scams: a real danger

Are you a homeowner who is facing foreclosure who feels desperate and would try anything to save your home? You might also feel like you need to do something fast, but it is important not to let desperation cause you to turn to the first option you find. Homeowners who let desperation cloud their otherwise sound judgment often find themselves victims of a foreclosure scam.

Things may seem bad enough, but with the right help you can still find a professional who will help you explore your best options. To avoid falling victim to foreclosure scams, the best way to protect yourself is to know not only who is out to help you but also who can explain the difference between themselves and a scam. Most foreclosure scams can be avoided by consulting a knowledgeable Torrance CA Real Estate Agent. Foreclosure scams come in a number of different formats, and many are easy to spot.

With the current mortgage crisis, every day more people, who have not consulted a licensed Torrance CA Real Estate Agent, are in danger of falling to another scam. This type of scam that you will be on the lookout for is when an individual or a company approaches offering to help but as a part of the deal they offer to provide you with a loan. The only problem is that it may not be a loan. Some Torrance Homes For Sale are not even owned by the original mortgage holder who is living in the house. The documents you sign may actually be a foreclosure scam which signs your property over to them and places your home out of your control almost entirely. To add insult to injury, you often end up agreeing to rent the property from them at a very high rate. Even worse, as a renter you lose the protections you may have had as a homeowner, meaning that if you cannot afford to make the rent payments, you will be evicted from the home that used to belong to you.

Other Torrance Real Estate and Homes for Sale have been listed recently because of another foreclosure scam which preys on desperate homeowners involves having an individual or company coming to your rescue by offering to negotiate with your lender on your behalf. As if you could afford any more bills, these self-styled rescuers charge you for the time-period in which they negotiate with the bank to prevent your foreclosure. The scam is that the individual or company supposedly rescuing you is not even bothering to contact your mortgage lender at all. They just pocket your last financial reserves and you still end up facing foreclosure.

Another scam operates with the same approach of supposedly working on your behalf except the object of this foreclosure scam is that they want to strong-arm your home from you. Like the foreclosure scam before, the rescuer can be either an individual or a company. The difference is that in this scam the self-styled rescuer in question is not necessarily after your money, but more your property. They will instruct you not to contact anyone for help, aside from them. You are instructed not to contact anyone but them. They instruct you not to speak with a lawyer, not to talk to your mortgage company, a Torrance CA Real Estate Agent, and not even to make mortgage payments. Right before the foreclosure proceedings start, the scammer will then take every step possible to take your home.

Just remember to be careful not to believe that the individual in front of you is different. Desperation and despair can cloud one’s judgment. First, do not sign contracts or legal documents until you have them reviewed by an attorney. Second, do not let anyone choose your attorney for you.

When you consult an attorney, be sure to choose your own attorney and make sure you know that he or she is a real member of the bar and include at licensed Torrance CA Real Estate Agent in helping as well. Additionally, remember that you are still in control at this point, so be careful if the attorney only offers one option, especially if the attorney was suggested to you. An attorney could also be in on the scam.

These three foreclosure scams are just a few that you may run into, but they rank among the most common foreclosure scams which have caused the most damage and heartbreak. The good news is that you now know what to look for. This information empowers you to avoid falling victim to foreclosure scams.

Save my South Bay Home! Stop My Foreclosure!

It’s been long couple of years in Southern California real estate, especially the last two. Although fears of a systemic crash have somewhat abated, we’re far from out of the woods. The Housing Rescue Bill (July 2008) must have generated at least some degree of guarded optimism. Already, National Association of Realtors reported pending home sales nationally rose 5.3 percent from May to June (Aug 7 2008, St. Louis Business Journal).

Riding on the momentum, Torrance homeowners faced with foreclosure would do well to capitalize on the various options that have been put in place to help ease their mortgage woes. It’s easy to understand how South Bay Citizens could jump into real-estate during the housing boom and it’s such a shame that these same folks would be swallowed up by foreclosure at this point now that the odds are actually in their favor.

To be sure, there’s no outright answer on how to stop a foreclosure. That being said, the more common ones are quite straightforward, leading basically to two possible outcomes: with the subject property retained or with it relinquished. The available routes to the former are refinancing, forbearance, loan restructuring, further loan and write-off. The latter can be accomplished through deed-in-lieu and pre-foreclosure or short sale.

Whether it’s keeping or dropping the South Bay property, the endeavor to stop foreclosure must be laid out with a sound game-plan. Once that’s done, Los Angeles homeowner must set out in a highly expeditious fashion. A typical profile of execution would look something like this: 
- Review the financial situation thoroughly 
- Check out all options 
- Spot and skip the scams 
- Consult professionals or experts 
- Never say never.

Lenders and government are certain to be willing to work hand in hand with affected homeowners to help stop foreclosure these days as they are actually in the bind too insofar as the bigger picture of the overall housing crisis is concerned. With foreclosure, houses turn from asset to burden for lenders overnight, their surplus weigh down on the economy and even dampen property value in the neighborhood.

How to stop a California foreclosure has become a common topic, be it at online forums, radio talk shows, public discussions, office chat and just about any form of everyday conversation. There’s also no shortage of information and services to turn to. Government agencies, banks and lenders, lawyers and attorneys, investors and brokers are all increasingly coming onto the scene. Books, guides and all kinds of other materials have been written on the subject. Scams and cons have not failed to get in the mix either, so watch out!

Contact South Bay Real Estate Agent Rocky Rockwood for a free phone consult to learn how you can avoid foreclosure.

Tip brought to you by Foreclosure expert Harold k lee.,