People Helping People End the Financial Crisis

January 2012 Market Trends from Realty Trac

Thu, 26 Jan 2012 17:55:02 GMT

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"People helping People End the Financial Crisis"

Yvonne & John Arnold CRS,CDPE

(951) 212-9555

Yvonne@YvonneArnold.com

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Bernanke recommends Short Sales

Wed, 25 Jan 2012 22:44:04 GMT

"People helping People End the Financial Crisis"

Yvonne & John Arnold CRS,CDPE

(951) 212-9555

Yvonne@YvonneArnold.com

How come the Banks don't just reduce my Principal Balance?

Fri, 20 Jan 2012 14:17:38 GMT

This is a GREAT explanation of why Loan Modifications don't go through or do but not at the reduced payment you would like to see or Why Principal Loan Amount Reduction is NOT an option.

Thanks to Frank and Brian from TBWS for keeping us informed on so many aspects of the Real Estate and Lending Industries. If you want to follow them, Click here... THINK BIG, WORK SMALL

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"People helping People End the Financial Crisis"

Yvonne & John Arnold CRS,CDPE

(951) 212-9555

Yvonne@YvonneArnold.com

Chase Launches First Time Buyer Qualifying Site

Fri, 20 Jan 2012 12:37:06 GMT

Chase Launches First Time Homebuyer Site

There is a Silver-Lining to the housing crisis we are experiencing, it is a great time to be a buyer.

If you are a first-time buyer and are just starting to think about buying a home, we are seeing some of the most affordable prices than we've seen in 15 years!

You probably have many questions about how to purchase your first home. How much can I afford? What does it cost? What documentation will I have to provide?

Well, Chase Home Loans has launched a really nice, simple site to help with these questions.

Check it out here.... CHASE-MY FIRST HOME

After you visit their site, give me a call. We will then be able to start SHOPPING!

Please don't hesitate to contact me with any questions about the Inland Empire Real Estate Market

"People helping People End the Financial Crisis"

Yvonne & John Arnold CRS,CDPE

(951) 212-9555

Yvonne@YvonneArnold.com

When you are sent a lifeboat, and decide not to take it....

Thu, 05 Jan 2012 00:11:27 GMT

When you are sent a lifeboat and decide not to take it.....

In the past 2 months, John and I have been working hard to make as many contacts with people who are upside down on their mortgages as we possibly can.

They are in distress, financially.

What has been the MOST distressing to us, is that people are hiding from us, LITERALLY! When they see us walking toward their front yard they run in the house and don't answer the door. When we call they pretend to be someone else. When we leave messages or send letters they won't even call us back to chat.

Now, we realize that facing hard decisions is really difficult. But, what if, the information we have to tell them helps make sense of this messed up housing market? What if, the information, empowers them to make a better decision for their family and future? What if, sticking their head in the sand and hoping that the Bank, the Creditors, the Repo Man or the Realtors will go away, just makes the inevitable outcome worse and more stressful?

We have all heard "knowledge is Power". Why wouldn't someone want the facts about their options to Avoid Foreclosure? If knowledge is truly power, why is it that so many people don't care to get more?

Now, we realize there are many scams being committed on distressed homeowners. This is the exact reason we have been actively reaching out to individual homeowners directly. No Charge, No Obligation, No Strings Attached.

Do we want to list and sell homes? YES! We also know that the short sale option is not viable for everyone.

Should homeowners know about Loan Modification and be told up front by a neutral party how that process works and that 95% of them end up in Foreclosure anyway and Why? YES!

Are there some homeowners that actually getting foreclosed on could be the best option for them? Yes!

Is there a right time and a wrong time to file Bankruptcy and do we believe that attorneys are not telling homeowners the full story about Bankruptcy? YES!

So if you are "hiding" from the bank. Avoiding their calls and ours. Getting your information from a friend, neighbor or relative who has no knowledge of your situation or financial position. Listening to only one option. Or....worse yet....not talking to anyone at all.........

PLEASE get the accurate information you need to make an educated decision about the best option for you and your housing and financial situation.

There are too many ways to avoid foreclosure and move on with your life in a dignified fashion.

Call or Email us right away, before they file the Foreclosure proceedings.

"People helping People End the Financial Crisis"

Yvonne & John Arnold CRS,CDPE

(951) 212-9555

Yvonne@YvonneArnold.com

Foreclosure Heat Map for California

Sun, 23 Oct 2011 22:42:09 GMT

If you would like more information about a specific location, Give me a call or email.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

California: (951) 212-9555

Short Sale and Mortgage Fraud Rises

Tue, 18 Oct 2011 09:42:48 GMT

California #1 Short Sale and Mortgage Fraud in the Nation!

There has been a much higher level of Federal investigation in the Riverside/SanBernardino County areas in the last year for Mortgage/ShortSale Fraud. This is not old stuff surfacing, this is new fraud happening today. "Desperate times call for desperate measures"~ I think NOT. Don't make a bad situation worse, stay above the fray. If you have questions about your specific situation, don't hesitate to ask

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"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

California: (951) 212-9555

Why is someone from the bank mowing my lawn???

Tue, 09 Aug 2011 17:08:21 GMT

Why is someone from the Bank mowing my lawn?

Recently, I've been visiting Distsressed Homeowners in and around Sandpoint, Idaho.

I am being told that some of them have had strangers coming to their homes and mowing their lawn, getting estimates to re-roof their home, and a myriad of other strange things. This is something that I don't understand, considering that until the Bank actually takes the home back at Auction they cannot do any kind of repairs to the property nor can they enter the property without the Owners consent.

We might be in North Idaho....But law is the law!

If you or someone you know is behind on their payments, please contact me right away, there are many options to avoid foreclosure. Information is Power.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

California: (951) 212-9555

July 2011 Idaho Foreclosure Market Trends

Tue, 19 Jul 2011 17:44:07 GMT

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

California: (951) 212-9555

Who do you think wins the debate...Alex Charfen or Howard Glaser??

Mon, 18 Jul 2011 19:56:20 GMT

Who do you think wins the debate...Alex Charfen or Howard Glaser??

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

California: (951) 212-9555

North Idaho Market and Foreclosure Stats for May 2011

Tue, 21 Jun 2011 14:48:22 GMT

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

Yvonne@YvonneArnold.com

Idaho: (208) 610-9415

April Newsletter from RealtyTrac Foreclosure Statistics

Thu, 21 Apr 2011 02:42:01 GMT

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

www.LinkedIn.com/in/YvonneArnold

Foreclosure Statistics for Corona California & What They Mean

Mon, 21 Mar 2011 18:08:39 GMT

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

203K FHA Financing Can Help Short Sale Deals Close

Thu, 03 Mar 2011 11:59:18 GMT

Watch the video below for a very simple, clear explanation of how FHA 203K loans (Renovation Loan) works. These loans have been around for a very long time, but are seeing a resurgence now due to distressed homes needing rehab and buyers not having the available money in the bank to complete the work. Contact me for information on where to find out more about these loans and how I can help you find the right home that fits this loan criteria.

203k Home Improvement Loans Part 2 of 2

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

Making a Graceful Exit if You are Unable to Continue Making your Mortgage Payments

Tue, 22 Feb 2011 16:04:43 GMT

Avoid Foreclosure....Know Your Options!

After watching this video...Contact me. I have the information you need to know to take back control of your financial situation and make the right decision for you and your family.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

5835 Via Coiba Riverside, Ca. 92506

Sat, 18 Dec 2010 11:36:26 GMT

Lovely Canyon Crest Country Club Location

PRICE REDUCED! $320,000

5 Bedrooms, 3 Full Baths, Almost 2,800 Sq. Ft. with 3 Car Garage and Pool. Hardwood and Tile flooring. Gourmet Kitchen with Breakfast Nook. Walk to Golf Course, Shopping, Dining. Very close to University California Riverside for Students or Staff.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

Why Rising Interest Rates could Affect a Distressed Homeowner

Tue, 26 Oct 2010 20:46:56 GMT

In an article today written my Money Watch, they talk about interest rates have nowhere to go but UP in 2011.

So, how will this affect a distressed homeowner and the lenders who are foreclosing on them?

Right now the buyer pool is shrinking. Although interest rates are at historical lows the guidelines for people to qualify for a new loan have tightened. So much so, that an increase in interest rates would bump a first-time homebuyer right out of the buying ability and since in 2009 First-Time homeowners rose to 47% of the market this will take a large part of the buyers out of the market. Eliminating their opportunity to purchase could be catostrophic to an already weak housing market.

In the Corona/Riverside areas we know that there is still "shadow inventory" (homes that are in some stage of the foreclosure process, but not actively on the market for sale. This means that there will be more inventory in the future. What a distressed homeowner needs to know is that now is the time to speak to someone about possibly short selling their home. The reason: Inventory (competition) is low and the banks are more negotiable than ever right now due to the immense amount of bad press in regards to "robo-signing" etc...

So if you combine 1. Low Interest Rates 2. Low Inventory 3. Foreclosure Processing Slow Down... this absolutely works in favor of the distressed homeowner to accomplish a successful short sale and get out from under the high level of stress that this financial crisis has created.

Contact me for a confidential consultation.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Yvonne@YvonneArnold.com

www.YvonneArnold.com

Trying to Make Sense of How the Housing Market Collapsed

Sun, 18 Apr 2010 12:48:00 GMT

This weeks "Grill on the Hill" could be one of the most telling scenes of why the housing industry is in the predicament it is today.

The article attached from the Wall Street Journal gives a clean overview of what really happened behind the scenes in some of the largest Corporations in the country. "Goldman Sachs Charged with Fraud" was the headline!

http://www.yvonnearnold.com/wsj-headline-goldman-sachs-charged-with-fraud/

In a nutshell, Goldman Sachs, allowed a hedge fund manager to put together CDO's (collateral debt obligation), basically a product of bad assets. Then sold them to the world, made a ton of money and then the hedge fund manager bet against the CDO's. The investors of the CDO's had no idea what they were buying and did not know the creator was planning on betting against them.

The hedge fund and it's employees are not named in the investigation because they were not involved in marketing the bonds to 3rd parties...Goldman Sachs did that.

"Mr. Paulson (hedge fund manager) took home $4 billion in 2007 for correctly betting on a housing collapse." At this time there is no signs that he will be criminally charged.

Some may ask why it took 3 years for it to finally get to this point and now that it's all coming out does it really matter to the "man on the street"? These are not criminal charges that have been brought against Goldman Sachs, they are civil charges. From a taxpayers perspective, it seems that everyone on the higher levels of Government and Wall Street, had a lot to do with the housing collapse and now those same people, including the SEC are putting on a "dog and pony" show for the American public.

How does this help the housing crisis? What does it mean for the taxpaying consumer losing their home in foreclosure? In my humble oppinion...Nothing.

What a distressed homeowner needs to know is that the governement and the banking industry have given us some tools to try and work out the housing crisis. They are complicated and not very fine tuned products, but we have them, none the less. So we must try to use them to help individual homeowners get out of these hard times with the least amount of damage.

I have tried to take a pro-active stance on the Real Estate market we have been handed. My advice is don't try to go this alone. Contacting your bank or servicer can be one of the most frustrating and stressful things you will go through if you are upside down on your home mortgage. Take advantage of the information I have. Don't hesitate to ask me questions...you're not bothering me. The sooner we can help more people make the right decision for their individual situations, the sooner this crisis will be over.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

Idaho: (208) 610-9415

www.YvonneArnold.com

Understanding the California Eviction Process after Foreclosure

Wed, 07 Apr 2010 09:30:33 GMT

After speaking with many homeowners that are facing possible foreclosure, I found that one of the largest fears they have is the thought that they will come home one night and all their personal belongings will have been moved out of their home and the locks have been changed.

This is a legitamate fear, but very far from the reality of what happens. I have recorded a video to help the consumer understand the eviction process AFTER the legal process of the Foreclosure is complete.

As with anything in regards to Distressed homeownership, information is powerful. If you or someone you know is facing Foreclosure, please contact me right away....There are other options available to avoid foreclosure.

"People helping People End the Financial Crisis"

Yvonne Arnold CRS,CDPE

California: (951) 212-9555

www.YvonneArnold.com

Help! I'm Overwhelmed, I might Lose my Home to Foreclosure!

Fri, 15 Jan 2010 16:21:36 GMT

Help! I'm Overwhelmed, I might Lose my Home to Foreclosure!

Overwhelmed? Stressed? Unable to Focus on day to day duties? Concerned that the next decision you make might be the wrong one?

Unfortunately, I hear from people everyday feeling the same way. They usually hear about me through a friend or neighbor whom I have counseled. Most are timid or embarassed to tell anyone about the financial situation they are in. Or to even tell someone that they can't make their house payment any longer.

The thing is, by not asking for competent, neutral advice you might be making your problem bigger. There are alot of people who will give you their oppinion, but are they the right person for the job of helping you sort out your real estate options.

Yes, options! You do have them. Everybody's situation is very unique. So asking for general advice to someone over the phone, whether it be a Realtor, Attorney or Tax Accountant, you're really not getting the correct information that will work for your specific situation.

That is why I'm here. I meet with my clients on a one-on-one basis and go over every detail of their financial picture to see what their Real Estate options really are.

In some cases the situation is easy to solve in others more work will have to be done. But you won't know until you take the first step and call me for a Confidential consultation. At that time I will be able to assess your situation and tell you honestly what your options are.

The first step is to make the call,,,then let me do the rest. Hopefully I'll be able to take away the fear and de-mystify the process of possible Short Sale or Foreclosure.

Let me help you make the right decision for you and your family.

Fill in the information below and I will contact you right away.

Thank you,

Yvonne Arnold

California: (951) 212-9555

Idaho: (208) 610-9415

"People helping People End the Financial Crisis"

Tipping the Scales Toward Foreclosure?

Fear of foreclosure is a national epidemic.

Millions of homeowners fell behind on their mortgage payments last year, and then proceeded to fall further behind every month.

These are tough times and there are no easy answers.

The fact is, major lenders, the federal government, and local agencies across the country have stepped up their efforts to stem the tide of foreclosures. More help is available than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am knowledgeable and adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

Looking to learn more? Check out my free report: "Tipping the Scales Toward Foreclosure? Resolve to Shed the Weight of an Unmanageable Mortgage in 2012."

And if you, or someone you care about is looking to tip the scales back into financial solvency, contact me today for a confidential consultation!

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

(951) 212-9555

"People Helping People End the Financial Crisis"

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!