Bring your best possibilities to life!!  You are right where you should be at this moment. Then there is what is next.... Whether your life up to this point has been easy or whether it has been difficult, you are here just the same....Your destiny does not care about your past. There are plenty of reasons why you are here at this time. What matters are your reasons to move forward. Your triumphs of the past are now just pleasant memories... and your past failures are behind you. 
In this moment you are completely free. The only thing holding you back is your belief that something is holding you back...Believe you are fearless and nothing can stop you!
Today is your opportunity to fully taste that freedom and to get beyond the limits you've imposed on yourself. Reach inside and find your strength, you love, your laughter and joy!  
You life is here for the taking! Take it!!!

Be here now, in this moment...

For this is the only moment we have...this now! This is this one space of time, a time like no other...a moment to listen to your heart, and trust your inner wisdom. Think of all the wonderful things you have to be thankful for and know in this time...you chose greatness, success, and abundance in your life.

In this moment your choice is magnified by your focus on the positive and this will open your heart and the Universe will vibrate with your positive energy.

In this moment, you chose to have an abundance of love, laughter and happiness in life...look around....you can't miss it!

Real Estate Prices CA vs NV

Real Estate Prices CA vs NV

While Las Vegas prices stay about the same due to the influx of properties via REO places like San Francisco who also took a serious hit on pricing is bouncing back faster than most areas.

The fact that San Francisco real estate held its value better than smaller cities goes to show you the strength of a big city and it's ability to regain some of the lost equity.   Other areas in CA like Sacramento and Bakersfield are not fairing so well.

More to come...

Judges accused of 'predetermining' foreclosure cases - News - ReviewJournal.com

Judges accused of 'predetermining' foreclosure cases - News - ReviewJournal.com


A lawyer accuses District Judge Donald Mosley and other judges of "predetermining" the outcome in foreclosure disputes in favor of the lenders, according to an appeal filed with the Nevada Supreme Court.
In the process, they have made a "mockery" of a program designed to rescue distressed homeowners, attorney Jacob Hafter says in court papers filed Wednesday...  Read More Above.

Bank of America Faces Homeowner Class Action For Withholding Federal Bailout Funds

Bank of America Faces Homeowner Class Action For Withholding Federal Bailout Funds

Anyone who did business with a mortgage lender or broker who used Bank of America or Countrywide should have their documents audited due to the appraisals and general paperwork errors.

I for one will never do business with them again or refer anyone due to their business practices.

Does the small guy have a chance? My Opinion - Maybe or No

David and Goliath the epic battle in which the undog wins against all odds

It really depends on the bank and type of investor in your loan.    The company you call such as Indy Mac or One West Bank are the servicer and usually do not hold the note.   A third party investor like Fannie Mae,  Freddie Mac, or priviate investors owns the note.

Fannie and Freddit are working with services to get short short sales done and loan modifications but if your note or mortgage is held by a 3rd party investor who isnt willing to work with you and rather foreclosue to collect their MI (Mortagage Insurance) you are frankly screwed.   By the way they get their money when the insurance kicks in and you get foreclosed on.   If you actually speak with the MI carrier they will assist in doing a short sale or loan modification because they dont want to pay out a claim.  Or if the servicer is acting in "Bad Faith" let them know it may invalidate their policy.

Speaking of Indy Mac who went belly up and the Feds stepped in and ran the company until a group of billionare investors bought it for pennies on the dollar are just one of these banks who look like they are working hard on "getting it done", sending out mailers saying we want to help, calling using an auto dialer that hangs up after one second (proves they called but gave you no chance to speak with them, fills their quota of calls so they can foreclose."

All is just a facade to prove they reached out to you and you didn't respond.

If you are serious you have to go on the offensive and contact them every day, send in the paperwork by fax, by email, federal express so you have a papertrail.  Use their tactics against them.

David and Goliath - The Judges are seeing what the banks are doing in Nevada Foreclosure Mediation Program but their hands are tied.

In New York, a Judge granted a couples lawsuit against Indy Mac or One West Bank whacked the entire mortgage telling IndyMac/One West Bank they acted in bad faith and because of that they were nullifying the mortgage.   Of course it is in appeals court.

More battles will be fought and one by David.   Let's hope when the dust settles and the War is over Goliath is flat on his back.

SysAdmin

Loan Modifcations March 2010 - What is changing?