At this point, mostly everyone knows someone that's lost their home, or is about to. Banks are starting to move in quickly on homeowners that are behind on payments. They don't care if you have children, a sickness, or temporary loss of income; they want payments brought up to date or they foreclose leaving you in dire straights, in some cases homeless. We figure it this way; if foreclosure is unavoidable and going to happen anyway, you might as well change the odds to your favor and buy some time to think and properly plan your next strategic move.WE CAN DELAY THE BANK FROM TAKING YOUR HOME!We can buy you more time in your home; you can start living your solution rather than suffering from your problem. Maybe you'd like your children to finish off the year at the same school; we can help you achieve that. Maybe you need time to find another job or relocate; we can help you achieve that. Maybe you need time to gather your thoughts and make a plan of action that's best for you and your family while still under the same roof; we can help you achieve that. Whatever your need is, we can help you achieve more time before the bank has a legal right to move in on you and foreclose; we have the ability to "DELAY FORCLOSURE PROCEDURES" for up to 2 years in some cases.We are a small, all women owned legal service provider that felt a need the offer our legal expertise to the public after seeing friends and family suffer this same loss. Unaware of their legal rights and not knowing what to do, they were forced to pay thousands of dollars to achieve what we know can be done, and will do, for only $700.00. Simple as that. Most people don't have the education or law degree to know that they are being overcharged. Since stopping a foreclosure is a legal procedure, a high fee cost for service is "accepted because it is psychologically expected". In all actuality, it is not that expensive at all.While other legal service providers try to "cash in" on your hard times and charge $1500 to $5000 to stop your foreclosure, we don't. Since we're aware that filing a few legal papers can change the scope of your entire life immediately, we've chosen to use that information to help you, not intimidate you to pay us more. Too many good people are being taken advantage of and loosing precious money; we're offering the same exact legal services to stop your foreclosure proceedings for $700.00 because that's what it should cost. That's it. No hidden agenda. . . No gimmicks. We've seen our friends and family through this and have found it offensive to know, let alone charge anyone, an inflated legal bill while going through such a pivotally fragile time in life when totally unnecessary. Up to date, we have assisted over 757 satisfied clients and would like to satisfy more. If you, or someone you know, are in default and in fear of foreclosure, please contact us, there is no obligation; we can help take some of the stress off your shoulders and offer reliable solid solutions that you can start planning your new life around. It doesn't hurt to ask: 408-359-7989 San Jose Ca.Respond by Email or Simply CallPhone Line Dedicated to Craigslist Ad, Calls are Screened.Please Leave a Message for Legal Advisor to Call you Back. ...read more

Putting the money in your home into your hands - this is whatCalifornia Home Loanshas been doing for more than 25 years.  You have seen our ads in the newspapers and heard us on your radio for more than a quarter of a century.  Isn't it time you called?Call us today! The money is already yours!California Home Loans408-286-0203kc@ca-homeloans.com ...read more

Existing home sales surged to a five-month high in April, according to The National Association of Realtors. Sales of previously owned homes were up 22.8 percent over last year's pace and 7.6 percent above the month before. Though the gains were expected, Lawrence Yun, NAR's chief economist, said there are other factors supporting the market such as stabilizing prices, an improving economy, and low interest rates. Total housing inventory also rose, climbing 11.5 percent to an 8.4-month supply at the current sales pace, up from an 8.1-month supply in March. More here, here, and here. Shawn Sidhu Brighton Mortgage Advisors2678 Bishop Dr., Ste. #235San Ramon, CA 94583Phone: 510-206-0533Fax: 510-279-5842Email: shawn@bma-loans.comBlog:http://consultwithshawn.wordpress.com/Website:www.norcalmortgagetips.com ...read more

65 percent of U.S. homes declined in value last year, but according to Zillow.com's first quarter Homeowner Confidence Survey, only 50 percent of homeowners believe their own home's value has dropped in the last 12 months. And with 7 percent of homeowners saying they'd be very likely to put their home on the market in the next year if there are signs that the housing market is improving, that overconfidence could represent as many as 5.3 million homes put up for sale in a market already threatened by shadow inventory. Stan Humphries, Zillow's chief economist, said we are in for a saw-toothed bottom, where inventory decreases, causing values to stabilize and some of the sidelined sellers to put their homes on the market, causing inventory to grow and values to decline again. More here. Shawn Sidhu Brighton Mortgage Advisors2678 Bishop Dr., Ste. #235San Ramon, CA 94583Phone: 510-206-0533Fax: 510-279-5842Email: shawn@bma-loans.comBlog:http://consultwithshawn.wordpress.com/Website:www.norcalmortgagetips.com ...read more

According to The Mortgage Bankers Association's Weekly Applications Survey, the average contract interest rate for 30-year fixed-rate mortgages fell to 4.83 percent last week. But despite rates dropping to their lowest level since November 2009, requests for home purchase loans plummeted 27.1 percent. Michael Frantantoni, MBA's vice president of research and economics, said purchase applications have declined nearly 20 percent over the past month, adding that the expiration of the tax credit may have pulled sales into April, cutting short the spring buying season. Refinance activity, on the other hand, was at its highest level in nine weeks after a 14.5 percent jump. More here, here, and here. Shawn Sidhu Brighton Mortgage Advisors2678 Bishop Dr., Ste. #235San Ramon, CA 94583Phone: 510-206-0533Fax: 510-279-5842Email: shawn@bma-loans.comBlog:http://consultwithshawn.wordpress.com/Website:www.norcalmortgagetips.com ...read more

According to The Department of Commerce's April report on new residential construction, housing starts jumped 40.9 percent from last year and 5.8 percent above the month before. Ian Shepherdson, chief U.S. economist at High Frequency Economics, said increased demand from the home buyer tax credit lifted construction but its expiration has homebuilders wary, noting the 11.5 percent drop in building permits. Despite the drop in permits, which suggests starts will also fall off this summer, a recent report from the National Association of Home Builders showed builder confidence at a 2-1/2 year high. More here, here, here, and here. Shawn Sidhu Brighton Mortgage Advisors2678 Bishop Dr., Ste. #235San Ramon, CA 94583Phone: 510-206-0533Fax: 510-279-5842Email: shawn@bma-loans.comBlog:http://consultwithshawn.wordpress.com/Website:www.norcalmortgagetips.com ...read more

The housing market's current mix of ups and downs has experts and industry insiders forecasting a variety of possible outcomes over the next few months and beyond. The shadow inventory looms large among many factors influencing whether the recent stretch of stability continues or the market takes a downturn. Estimates of the number of homes that are ready to sell but haven't been put on the market vary. A recent report from Barclays Capital says the shadow inventory will peak this summer and begin falling as the market stabilizes. But with an estimated 4.5 million homes potentially hitting the market over the next few years, an orderly pace is required to prevent flooding the market and driving prices down again. More here, here and here. Shawn Sidhu Brighton Mortgage Advisors2678 Bishop Dr., Ste. #235San Ramon, CA 94583Phone: 510-206-0533Fax: 510-279-5842Email: shawn@bma-loans.comBlog:http://consultwithshawn.wordpress.com/Website:www.norcalmortgagetips.com ...read more