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Long Beach Home Owner Tax Credit Information:

Important Long Beach Home Buyer Tips

This article addresses issues that many first time home buyers do not consider, that being the remaining life of the existing systems currently in the home and the cost of future replacement.

Buying Fixer Upper Homes in Long Beach>>>

Why Hire an Internet Savvy Realtor?

Over 80% of all home searches begin on the internet. Your Long Beach homes need to be online, and findable, when buyers begin their search.

Have the Long Beach Realtors you interview show you their ability to market your Long Beach homes and condos on the internet. Step back; pick keywords that should bring that item to the front page of Google; keywords like Long Beach Real Estate, Long Beach Condos and Long Beach Homes. Google accounts for over 80% of all real estate searches.

Are any of the sites that your Long Beach Realtor owns coming up at the top of the engines? No? Keep shopping. Better yet, call the local Realtors on the front page of Google, they already know how to get there and you can cut right through the unlikely candidates.

Over 25% of all Home Buyers FIRST saw the home they purchased on the internet. If your Long Beach homes and condos are not heavily marketed on the internet, you are missing thousands of potential buyers.

We have incredible internet marketing ability and are on the top of the Google search engine.

If you are thinking about selling your Long Beach home or condo, contact Laurie for a free evaluation. Laurie is an Internet savvy Long Beach Realtor. (562) 212-5420

What to do if you have a Notice of Default filed against your Long Beach, CA home

Long Beach Home Loans

Notice Of Default - NOD

If you receive a notice of default (NOD) for your mortgage, you need to act quickly. A NOD is a notification given if you have not made payments by the predetermined deadline (usually specified in your Deed of Trust). It spells out repayment (sometimes called curing) schedules and outlines the foreclosure process and timeline.

You have until five business days before the foreclosure sale to cure the default. To cure the default you have to pay off missed payments, late charges, and fees for initiating the foreclosure. If you do not cure the default, the trustee can take steps to hold a foreclosure sale.

Steps to take if you receive a NOD:

1) See if you agree with the amount the trustee says is due. If you do not believe you owe the amount claimed, write a letter as soon as possible disputing the amount, with copies of the proof of payments.

2) If you owe the money, and have equity in your home, contact us immediately. We have private investors who may lend you up to 70% of the value of your home. Most banks or mortgage companies will not lend you money once a NOD is filed.

3) You might consider a 'work out agreement' .A lender may give you more time if you have a definite plan for repayment. If the lender agrees to give you more time to repay the loan, that agreement should be in writing. These agreements are commonly known as work out agreements.

4) If you can not get a loan or secure a work out agreement, you should consider selling your home before you lose it in foreclosure. Selling the home may allow you to save your equity and protect your credit. This may help you in relocating to a new home.

Bankruptcy may not save your home. It may delay the foreclosure process but the lender has certain rights as defined in your Deed of Trust. If you contact an attorney, they usually offer bankruptcy as an alternative.

'Foreclosure Specialists' often contact homeowners who have received a notice of default. They may claim they can prevent the foreclosure, and may even suggest that you transfer title to your home to them. Be wary of these buy/leaseback agreements.