Defaulting on Your Mortgage

Times are tough and if you are defaulting on your mortgage, chances are you have budgeted already and still cannot make your payments. There may have been loss of employment, and living costs are too high and you are forced to move. This has been happening everywhere and you are not alone. The most important thing to do is be in touch with your lender every step of the way. You should also feel comfortable enough to contact your Realtor to see if he can give you advice.
Since you have stumbled upon our blog, chances are you have been searching for answers. Here are some tips as to what you can do if you are having trouble making those payments:

1. Contact your lender and ask for loan modification paperwork.
2. If you are 12 months current on your mortgage, see if you can refinance your home. Remember, there will be fees so find out what they are and if it makes sense to do that. You could take out money while it goes through and you won’t have to make payments on your mortgage till the process is completed. If this sounds good, do it!
3. If you are in California, contact: “Keep Your Home California” and see if they can help you. Here is their website: http://keepyourhomecalifornia.org/index.htm
4. Contact your parents or in-laws to see whether you can move to their home for a certain time and rent out your home.
5. If you are in the Irvine area and need assistance, contact us.

Photo credit:

<p><a href="http://www.freedigitalphotos.net/images/view_photog.php?photogid=851">Image: Danilo Rizzuti / FreeDigitalPhotos.net</a></p>

Are You the Best Realtor You Can Be?

Since the recession, many Realtors have been struggling. Many Realtors have decided to find a different career. Being a Realtor is being a business owner, and this is what many of us seem to forget. Interestingly enough, some Realtors do well in any economy. Why? Because they give it their all, and because they have a plan. Here are some of our best tips to help you remain or become the best Realtor you can be.
1.) Be sure to ask questions. Ask questions when you are knocking on doors, introduce yourself and your company, listen and ask questions about your potential client. It is important to keep on the subject of buying or selling a home though. Ultimately, that is why we door knock isn’t it? 2.) Listen, and provide advice. Show your potential clients or home buyer what you know. People trust specialists. Know your market, know your materials, know your plan! 3.) Refer. If you know of any good lenders, refer them. 4.) Help your clients and treat them with respect, genuine kindness, and in a friendly but professional manner. They will appreciate you and will pass you on. 5.) If you are a Realtor in the Orange County area, join us and use our plan. We call it The Smart Agent Plan.
Becoming the best Realtor you can be is not difficult. You just need a solid a plan. If you are in Orange County feel free to email us with any questions and we will be happy to assist you. If you are a homeowner or home buyer and would like to have some of our expert Realtors assist you. Please email us at Join@PurePCG.com. We also welcome all comments, and will assist you with any advice you may have.