Free Foreclosure Counseling and Information Workshops 

Free Foreclosure Tour Fredericksburg January 2010

The tour will depart from RE/MAX Bravo on January 16, 2010 at 11am.

To sign up for the tour or to receive an informational flyer visit http://www.foreclosureprospector.com and click on the free foreclosure tour button for a free, informational flyer on the tour.

Tour Hosted By:
Katie Mudd, Realtor, CDPE
(540)538-1154
E-mail: katiemudd@comcast.net
RE/MAX Bravo
10401 Courthouse Road
Spotsylvania, VA 22553
Each office is independently owned and operated.
Licensed in the Commonwealth of VA

If you are behind mortgage payments, you may need help from professionals.

The WA Department of Financial Institution organizes FREE workshops:
•Thursday, July 23 – Everett (Cascade High School)
•Friday, July 24 – Seattle (Cleveland High School)
•Saturday, July 25 – Tacoma (Evergreen College Tacoma Campus)

Call 1.877.894.HOME for more information or you can visit www.dfi.wa.gov

Free Foreclosure Home Tours in North Atlanta

Curious about the current foreclosure market?

Have you wanted to see what all the talk is about?

Have questions about purchasing a foreclosure?

Free tour of Foreclosure homes. Banks are ready to make a deal and sell these properties! This rare opportunity for buying at historical lows will be coming to an end.

No matter the buyers situation: First time home buyer? New to the area? Moving up in your current area? Investor taking advantage of the down market? This tour gives you everything you need to make your home purchase intelligent and smooth.

This is a great way for a buyer to get educated; let us answer all your questions about different types of foreclosures, loans, neighborhood profiles, building products, how to compare the home you want to others and how to make the strongest offer possible.

I am a professional Realtor and I can answer all real estate questions like:
Are foreclosures or short sales the best deals on homes?
What do I have to provide to get pre-qualified?
Can I get a FHA loan on a foreclosure?
What if I make an offer and then change my mind?
Is there an inspection if I purchase a foreclosure?
Can I use my $8000 tax credit if I buy a foreclosure?

This tour is managed by a no pressure, down to earth team that loves what they do and enjoy making the American dream come true.

Tours are the last Saturday of every month, July 25, August 29, and September 26th
9:45-10 near the fountain at City Hall Park in Suwanee, at the corner of Suwanee Dam Road and Buford Highway.

SUWANEE city hall park at the fountain.
Directions: I85 North -Take the GA-317 N exit, EXIT 111, toward SUWANEE-Turn LEFT onto LAWRENCEVILLE SUWANEE RD (Suwanee Dam) for about 3 miles to Buford Hwy Left at light then 1st left into City Hall and shops.

For more information or to schedule a private tour contact:
Linda Suidan, Realtor with Results Realty Services, LLC in Suwanee.
770-757-3423 cell
linda.suidan@gmail.com

Free tour of bargain homes….Foreclosures and Short sales. Banks are ready to make a deal and sell these properties! This rare opportunity for buying at historical lows will be coming to an end. The president has made the bailout money get the banks moving, and wants you to invest in our country.

No matter the buyers situation: First time home buyer? New to the area? Moving up in your current area? Investor taking advantage of the down market? This tour gives you everything you need to make your home purchase intelligent and smooth.

This is a great way for the intelligent buyer to get educated; let us answer all your questions about different types of loans, neighborhood profiles, building products, how to compare the home you want to others and how to make the strongest offer possible.

Next tour in Gwinnett County Georgia is

Saturday, July 25 2009

No appointment necessary, meet and follow the caravan.

9:45-10 near the fountain at City Hall Park in Suwanee, at the corner of Suwanee Dam Road and Buford Highway.

The professionals answer all real estate and loan questions answered like:

Are foreclosures or short sales the best deals on homes?

What do I have to provide to get prequaified?

Can I get a FHA loan on a foreclosure?

What if I make an offer and then change my mind?

Is there an inspection if I purchase a foreclosure?

Can I use my $8000 tax credit if I buy a foreclosure?

This tour is managed by a no pressure, down to earth team that love what they do and enjoy making the American dream come true.

SUWANEE city hall park at the fountain.

Directions: I85 North -Take the GA-317 N exit, EXIT 111, toward SUWANEE-Turn LEFT onto LAWRENCEVILLE SUWANEE RD (Suwanee Dam) for about 3 miles to Buford Hwy Left at light then 1st left into City Hall and shops

For more information or to schedule a private tour contact:

Linda Suidan, Realtor with Results Realty Services, LLC in Suwanee.

770-757-3423 cell

Linda.suidan@gmail.com

Tours are the last Saturday of every month, July 25, August 29, and September 26th

Friday Resource

Do you know Nolo®?

Here’s your chance to learn about a great online resource, Nolo®. As often happens, I have to give props to techno.la for reminding me of this invaluable resource via one of their recent posts.

In addition to the Free Foreclosure Survival Guide, Nolo® offers a wealth of free information in the form of their Nolopedia, podcasts and blogs. Please note that not all their information is free, but it’s well worth your time to explore their site.

-RFW

Posted in 1, access to justice, access to justice blog, blog, foreclosure, housing, indigent, Law, law librarians, Law Related Education, Legal, Legal Documents, Legal Drafting, Plain English, Plain Language, Readability, self-represented litigant, technola Tagged: blogs, FREE, Free Foreclosure Survival Guide, Friday Resource, Nolo®, Nolopedia, Podcasts, techno.la

http://savehomeusa.com
SCAMS that claim to help consumers avoid foreclosure have been on the rise lately as some individuals try to take advantage of financially distressed homeowners.

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More Mortgage Columns Now state and federal authorities are intensifying efforts to combat these schemes while also reminding consumers that legitimate services are free and widely available.

The New York attorney general, Andrew M. Cuomo, announced this month that he intended to file a civil lawsuit against the American Modification Agency, a company based in Uniondale, N.Y., that markets itself as a loan-modification specialist under the Amerimod brand. He said he had also issued subpoenas to 14 other loan-modification companies.

Mr. Cuomo’s office alleged that Amerimod “charged homeowners heavy upfront fees in advance of providing any services, a violation of New York law,” and engaged in misleading advertising, among other things.

Amerimod, which assists borrowers in loan-modification negotiations with lenders, did not return telephone calls seeking comment. But Salvatore Pane Jr., the company’s chief executive, sent an e-mail statement that read, in part: “Amerimod has been and will remain a front-runner for compliance as well as a reliable source for distressed homeowners and consumer advocacy groups.”

Federal authorities are also more closely scrutinizing foreclosure-rescue services. The Federal Trade Commission filed a civil contempt action this month against the Financial Group Inc., an Orange, Calif., company doing business as Tax Relief ASAP. The F.T.C. said it had charged homeowners up to $5,500, and “obtained few, if any, loan modifications for customers.”

Last week, Tax Relief ASAP’s phone number was answered with an automated message, saying that a federal court had frozen the company’s assets and suspended its business operations. It provided no further contact information for the company’s principals.

Other state attorneys general have made this issue a priority as well.

In February, Connecticut’s attorney general, Richard Blumenthal, began an investigation into H.O.P.E. Alliance of Tampa, Fla. Mr. Blumenthal said the company had charged two homeowners $1,500 for services, directed them to stop making mortgage payments and then failed to help them save their homes.

Mark Roberts, a spokesman for H.O.P.E. Alliance, disputed Mr. Blumenthal’s allegations. He said that his company’s loan-modification negotiators provided better service than the free services affiliated with HUD. “Our counselors have better qualifications,” Mr. Roberts said, adding that two of them are former bankers and one is a former Fannie Mae employee.

When the investigation was announced, Mr. Blumenthal noted that H.O.P.E. Alliance’s name was similar to that of Hope Now, a nonprofit consortium of mortgage industry companies and counseling organizations that last year began a widely publicized initiative to offer free foreclosure counseling to borrowers. Distressed homeowners can get more information about its services at www.hopenow.com.

Douglas Robinson, a spokesman for Neighborworks America, a nonprofit housing preservation group that participates in the Hope Now initiative, says that fraudulent counseling groups often use variations of the names of legitimate government programs.

These fraudulent operations, Mr. Robinson said, often buy advertisements on search engines like Google and Yahoo. The ads frequently link to Web sites with official-sounding names, and although they may offer free consultations, the companies often charge fees for their services, he said.

Direct-mail campaigns or cable advertising campaigns, which are relatively inexpensive, follow the same branding approach, Mr. Robinson said.

“It’s a very slick way of getting the consumer’s attention,” he said.

BORROWERS who struggle with their mortgage payments should never pay for help when negotiating with a lender to avoid foreclosure, said Susannah Gillette, the director of program quality and impact at Neighborhood Housing Services of New York City.

She noted that the Web site FindAForeclosureCounselor.org lists all the free services affiliated with the federal government’s National Foreclosure Mitigation Counseling Program.

Team NuVision has just launched a NEW Powerful tool:
FREE FORECLOSURE SEARCH

Many sites claim to show foreclosures, but instead only show you the small subset of foreclosures that are currently offered for sale by the banks or owners on the MLS.

Using our Free Foreclosure Search you can browse ALL the foreclosures, even those that are not yet listed for sale.

By actively monitoring these properties we can help make sure you get a jump on the competition and find the best possible deal by knowing exactly which homes will be listed by the banks next.

check out our new FREE FORECLOSURE SEARCH:

http://www.rudylk.com/foreclosure-search.html

In today’s economic slowdown, millions of properties and homes are being foreclosed. These foreclosed properties include two-bedroom apartments to mansions having 20 plus bedrooms. Foreclosure is a profitable opportunity and interested buyers should know how to get the best value out of it.

Why foreclosure?

Homeowners who fail to pay off their loan money are generally asked to vacate their homes. Banks or other lenders who have provided a mortgage loan on the property or home then repossess foreclosed homes and put them on sale for buyers.

If you are looking for trustworthy resources to buy foreclosures property at unbeatable prices, check out proper ways to get a respected deal without compromising your preferences. Buying foreclosed property sales is an effective way if you know where to approach and how to derive the best possible results.

Where Can You Get Foreclosure Listings?

With foreclosed properties sales being taken seriously by a large number of real estate buyers, getting a trustworthy listing of such properties before your competitor finds them becomes really important. While searching for such properties, you must remember that foreclosure is a convenient process to get quality homes and properties at desired costs. There are many options for getting free foreclosure listings through which you can get profitable deals.

The internet is one of the fastest and reliable sources to get a number of free listings on various real estate websites. Many of these websites let investors to search for foreclosure property on criteria such as budgets, area codes, number of rooms, locations and other such specifications. Newspapers and news-letters are another source to get information about free foreclosed home listings of your area. You can approach lending institutions to get foreclosure listings. Lending institutions can give you detailed and quick information on a number of properties.

Many people prefer finding information through driving around neighborhood. You can easily recognize a foreclosure sign and gather relevant information for the deal. You can also visit a public foreclosure auction in your area and get information on foreclosed homes. Intended buyers can visit the local County courthouse as they usually put notices of recent and upcoming foreclosure auction sales in the area.

About 15 years ago, I became interested in real estate investment. It was just after I’d started my first job in Connecticut and was able to save up a bit of cash. I was looking for a good investment for some of that money. Searching the Internet for free websites for foreclosed homes in the United States, using the form that the Internet existed in 15 years ago, resulted in nothing more than a long list of real estate investment scams or websites looking for membership dues. Very little on the Internet was free back then.

Discovering Free Websites for Foreclosed Homes

Back then, I gave up my search and instead chose to put my money into a retirement fund. Sure, I probably could have gone to the courthouse and dug up the property addresses of homeowners who were served with a legal notice of foreclosure, but my normal job didn’t allow for the time it would take to do that.

Fifteen years later, the Internet has transformed into an entire playground of free services and information sources related to real estate. Yes, there are still countless websites that are looking to charge monthly membership fees for “detailed information” on properties, but considering the fact that all of that information is freely available via public records, there’s no reason you should ever pay for it. Thankfully, there are now a number of excellent free websites for foreclosed homes. MakeUseOf has touched on a few websites where you can find homes for sale, such as Jerry’s list of the 5 most significant online property search engines, or Adam’s list of 20 real estate search and information tools.  However, if you’re looking to invest in foreclosures, the websites below are the first places to check out.

The Department of Housing and Urban Development

If there’s only one place you go for information on properties for sale that are either in foreclosure, bank owned or government owned, that place should be the U.S. Department of Housing and Urban Development (HUD). By far, it’s the most comprehensive (and absolutely free) source of listings for all properties for sale from government agencies such as:

• HUD
• Department of Veterans Affairs
• The IRS
• U.S. Marshals Service
• Fannie Mae
• Freddie Mac
• Department of Agriculture

The cool thing about properties offered at this website is that they include both single family and multifamily homes, which is great if you’re looking for a nice rental property to buy at a low price. Don’t forget to check out special deals through HUD, like a 50 percent discount off HUD homes for teachers and community emergency personnel, or $1 homes for local community non-profit organizations that want to fix up properties for low or moderate income residents. This site is overflowing with information on where to find foreclosed homes.

Free Foreclosure Database

FreeForeclosureDatabase is one of the first websites that offers a truly “free” search for foreclosed homes, without requiring you to sign up for any sort of trial membership. From the main page, all you have to do is search for your city and state, price range and property type (or just click on the map of the U.S.).

When you click on the “detailed listing,” unlike other sites that make you provide your email address or sign up for a “trial membership,” this website truly offers free information about the property.

You can view the street address and the agent’s name and number to contact for more information about purchasing the foreclosed property. This is one of the few websites where you get access to contact information for absolutely free – making this site one of the best out there.

WatchForeclosure Won’t Try Selling a “Trial Membership”

Another great website that offers foreclosure listings that are truly free is WatchForeclosure. This website offers a very simple free foreclosure search where you click on any state on a map of the U.S.

For Maine alone, the search returned 223 properties throughout the entire state. Most listings are very current, and when you click on the property link you typically get a great picture, property details and the contact information for an agent to contact.

You’ll notice that you get access to property detail and contact information for absolutely free – no email required and no trial membership that traps you into a long-term commitment.

REO Source for Bank Owned Properties

Another great website for finding foreclosed properties is REOSource. REO stands for “Real Estate Owned,” and it means properties that are now owned by the bank. Some of these may be going through foreclosure, but many didn’t sell at auction and are simply being held by the bank until they can find a seller. You could sift through the lists of national banks one at a time, or you can use the REOSource search engine.

This search engine turned up only thirteen properties for Maine, but each listing was fairly current and had complete contact details for the agent in charge of the property.

Foreclosure Searches – Try the Do it Yourself Approach

The best way to find the most comprehensive listings is to go through individual national bank websites and search their REO listings for your state. You can find a fairly good list of bank REO websites at Mortgage News Daily, or you can use the public records section of OnlineSearches to search through foreclosure and tax lien sale records offered for free from your state government.

Just click on your state to search any free public records for any properties in your area that have a tax lien on it. In most cases, you’ll find those properties are already in foreclosure, or at least pre-foreclosure.

Whatever you do, never sign up for the trial offers that major real estate companies put up as an obstacle to find foreclosed homes. It’s in the best interest of retail real estate to keep these low-cost foreclosed properties difficult to access, because cheap homes bring down overall real estate prices. What they don’t want you to know is that through the type of resources listed in this article, you can find all of those same properties, with just a little bit of extra work, for absolutely free.