Julia Helps Homeowners

Keep Your Home California

Fri, 11 May 2012 14:24:11 GMT

California Home owners, there may be help in the way. If you have a Fannie Mae or Freddic Mac Loan, you may qualify for Principal Reduction, through the "Keep your home California" program. The new changes to this program will start in early June. Borrowers may be able to receive up to 100,000 in aid.

Please email or call for more information

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You can also visit my Realtor Website www.JuliaMurtagh.com

June 15th~ SHort Sales should move faster!!!

Mon, 23 Apr 2012 14:58:27 GMT

GREAT NEWS!!!!!!!

Beginning June 15, real estate agents working with distressed homeowners whose loans are backed by Fannie Mae and Freddie Mac should expect to receive a decision on a short sale offer within 30-60 days. The GSEs issued new...

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You can also visit my Realtor Website www.JuliaMurtagh.com

Recent Short Sale Listing ~Success

Mon, 12 Dec 2011 17:03:06 GMT

I recently completed another Short Sale, with no glitches. Here is what my clients had to say:

“We highly recommend Julia Murtagh as a partner in any real estate transaction. Julia recently represented us as our Listing agent. We were quite impressed with the level of knowledge she brought and her detailed follow up and commitment to our success with the sale of our home. We do believe that her personal touch and hands on approach assisted in a prompt and painless process. We will definitely look to Julia to handle any future real estate needs.”

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

OCTOBER FORECLOSURE ~ON THE RISE

Sun, 20 Nov 2011 13:35:14 GMT

Foreclosure filings increased 7% from September 2011 to October 2011

It was also reported, one in every 563 U.S. homes either had a default notice, scheduled action against a property, or bank reposession .

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Mortagage Deliquency Rates are rising~ Bad Economy now leading factor

Tue, 08 Nov 2011 09:50:43 GMT

The national mortgage delinquency rate rose in the third quarter of this year, the first increase since the end of 2009, according to credit-information company TransUnion.

The delinquency rate, or the rate of borrowers past due by 60 days or more, edged up to 5.88 percent from 5.82 percent in the second quarter, with the U.S. credit downgrade, market volatility and the European debt crisis potentially affecting the rate, TransUnion said.

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You can also visit my Realtor Website www.JuliaMurtagh.com

New Short Sale in Pleasanton

Thu, 15 Sep 2011 09:02:08 GMT

October ~2011

I have a new Short Sale Listing in Pleasanton, newer Construction! Located in the Mohr Elementary School District, this 4 bedroom , 2 bath home is in perfect condition. The Lender is ready to work this Short Sale~ Priced in the LOW 600's This is not on the MLS~ PLease contact Julia~

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Who is Buying Short Sales~ Aug 2, 2011

Thu, 04 Aug 2011 19:24:21 GMT

Who are the Short Sale Buyer's in 2011?

44% of Short Sale Buyers~ First Time Buyers

34 % of Short Sale Buyers~ Currnet Home Owners- Moving Up

22% of Short Sale Buyers~ Investors

Also~ Be aware of the average time it takes to sell a Short Sale~ 17-18 months!

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Short Sale Testimonial~December 2010

Wed, 09 Mar 2011 12:19:55 GMT

Julia navigated the complexities of a Short Sale and successfully sold our home in an incredibly short time period. Her in-depth knowledge of the neighborhoods shows. She priced the house right to get multiple bids and worked with the bank to expedite the short sale, with backup offers in hand.

Sabrina Wong~Decemeber 2010

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You can also visit my Realtor Website www.JuliaMurtagh.com

Home Affordable Forclosure Alternative ~Certified

Thu, 20 Jan 2011 09:00:40 GMT

AS a Certified HAFA Specialist, I have current knowledge of the foreclosure alternatives market.

I understand the HAFA Guidlines for both Non-GSE and GSE HAFA Programs
I can evalute potential Loan Modifications VS potenial Approved Short Sales
I understand the process, the documents necessary and the timeframes

I will help you navigate this process!

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

60,000 Short Sales last Month!

Fri, 01 Oct 2010 15:45:31 GMT

Distressed Sales :our Current Real Estate Market!

January of 2007~There were a Total of 7 recorded Short Sales

August of 2010~ There were 60,000 recorded Short Sales!

Right Now 14% of Home Owners are NOT making their Mortgage Payments
July of 2010 ~ 32% of All Home Sales were distressed Sales (REO and Short Sales)

The Good News~ Investors are 20-25% of Home Buyers. All Cash buyer's are seeing 6-10 % return on their investment!

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Citigroup Inc. Halting Certain Forclosures~Gulf Region

Fri, 18 Jun 2010 11:58:54 GMT

Those people who are headed for Forclosures in the Gulf of Mexico , may have more time to sell before eviction.

The Bank has announced a 3 month suspension of Forclosure sales and notifications, as well as evictions on possesses properties for qualifying borrowers in the Gulf Region with First Mortgages held by CitiMortgage. The suspesion is effective from Thursday ~ Sept. 17th, 2010. Citi claims 1000 borrowers will participate initially, with many more to follow!

Source~WSJ~June 17,2010

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You can also visit my Realtor Website www.JuliaMurtagh.com

Housing market still "Under the Weather"

Mon, 24 May 2010 18:03:19 GMT

Just about a year after the recession seems to have ended, the housing market is still sickly.

At the end of March, borrowers om 10.06% of residential Mortgages had missed at least one payment, up from 9.47% at the end of 2009. Why? The leading cause would be unemployment.
Since the end of 2007, oustanding mortgage debt has remained at around 10 trillion. This has been sustained by Government mortgage purchases, Loan-Modification programs, and SUPER low interest rates.
Housing prices have still dropped 20% , even with all the above proagrams in place

It seems that there will be some clean up to come, especially with a less-Democratic Congress.

Source: WSJ May 20th, 2010

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You can also visit my Realtor Website www.JuliaMurtagh.com

Maybe only One more year!

Fri, 05 Mar 2010 00:55:59 GMT

This week, we heard we are within a year of Residential Housing problems, slowly falling away. The exception being the "High-Value Homes" and those in certain area of extreme overbuilding, i.e.Florida, Arizona, California . It is still an amazing time to be a Buyer, but these deals will not last forever. Locally, in the Tri-Valley, of Northern California we are seeing serious multiple offers on homes within days of hitting the Market. Short Sales are the only part of the market where the quantity of offers is smaller, but even Shorts are getting Multiple offers.

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Loans Mods up 11%

Sun, 21 Feb 2010 10:36:45 GMT

Last week, the Hamp Program ( Home Affordable Modification Program) annouced that Modifications were up 11% from a month earlier.

This is great news for struggling borrowers that have been trying to stay in their homes, with "Trial" modifications. As of Jan 31, about 116,000 borrowers had these permanent reduced payements in place.

The Median Monthly savings, with Mods, is about $522.00 a month, based on the Treasury.

Thank you for stopping by my Blog.

You can also visit my Realtor Website www.JuliaMurtagh.com

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

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!

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best 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: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.