Comments for Jacquie Cliff - Professional Seattle Area Real Estate Broker http://www.jacquiecliff.com The one real estate professional you need to call! Wed, 29 Feb 2012 01:29:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on New FTC MARS Rulings for Short Sales and Loan Modifications by JoAnna Jensen http://www.jacquiecliff.com/ftc-mars-rulings-short-sales-loan-modifications/671#comment-2911 JoAnna Jensen Wed, 29 Feb 2012 01:29:00 +0000 http://www.jacquiecliff.com/?p=671#comment-2911 Hi, You did not include the Attorney Exception to the FTC.mars rulling which says attorneys are now allowed to charge for Loan Modifications. We can charge for Loan Modifications as long as the following apply: 1) Attorneys are practicing Law  2) The attorney is in the same sate as either the home or the home owner 3) either the retainer goes into a trust fund or we get paid as the services are complete. Attorneys are able to help homeowners on a legal level.  We can dispute FDCPA, UDAP, and FCRA violations.  Additionally most attorneys will do more than just fill out a loan mod package.   I have heard and seen people say you do not need to pay any one to do your loan modificaiton.  Well that may be true, but how would you know if the following have happened: 1) you have illegal fees added to your loan balance. 2) your note and deed of trust have not been authenticated 3) your lender does not have legal authority to foreclose even though it is tempting to save money, at some time we need to hire a competent attorney who can help us when creditors collectors are taking advantage of us.  JoAnna Jensen Volo Law  Ca Hi,

You did not include the Attorney Exception to the FTC.mars rulling which says attorneys are now allowed to charge for Loan Modifications.

We can charge for Loan Modifications as long as the following apply:

1) Attorneys are practicing Law 
2) The attorney is in the same sate as either the home or the home owner
3) either the retainer goes into a trust fund or we get paid as the services are complete.

Attorneys are able to help homeowners on a legal level.  We can dispute FDCPA, UDAP, and FCRA violations.  Additionally most attorneys will do more than just fill out a loan mod package.  

I have heard and seen people say you do not need to pay any one to do your loan modificaiton.  Well that may be true, but how would you know if the following have happened:

1) you have illegal fees added to your loan balance.
2) your note and deed of trust have not been authenticated
3) your lender does not have legal authority to foreclose

even though it is tempting to save money, at some time we need to hire a competent attorney who can help us when creditors collectors are taking advantage of us. 

JoAnna Jensen
Volo Law 
Ca

]]> Comment on New Fred Meyers in Lynnwood on 164th and Alderwood Mall Parkway by Mod Pizza in Lynnwood - Fast, fresh, affordable and yummy! http://www.jacquiecliff.com/new-fred-meyers-in-lynnwood-on-164th-and-alderwood-mall-parkway/305#comment-2888 Mod Pizza in Lynnwood - Fast, fresh, affordable and yummy! Mon, 31 Oct 2011 16:55:41 +0000 http://jacquiecliff.com/Real-Estate-Blog/new-fred-meyers-in-lynnwood-on-164th-and-alderwood-mall-parkway/305#comment-2888 [...] It was Sunday and no one felt like cooking, so on the way back from my afternoon listing appointment I dropped into the new Mod Pizza in Lynnwood on 164th by the Alderwood Fred Meyers. [...] [...] It was Sunday and no one felt like cooking, so on the way back from my afternoon listing appointment I dropped into the new Mod Pizza in Lynnwood on 164th by the Alderwood Fred Meyers. [...]

]]> Comment on Can I Rent Out My House While I Am Doing A Short Sale? by Marte http://www.jacquiecliff.com/can-i-rent-out-my-house-while-i-am-doing-a-short-sale/1183#comment-2887 Marte Mon, 24 Oct 2011 19:06:00 +0000 http://www.jacquiecliff.com/?p=1183#comment-2887 Anyone who rents out their home during a short sale after reading this deserves the trouble they get. Anyone who rents out their home during a short sale after reading this deserves the trouble they get.

]]> Comment on Are you eligible for a loan modification? by Can I Buy a Home After a Bankrupcy, Foreclosure or Short Sale? http://www.jacquiecliff.com/home-loan-modification-eligible/259#comment-2882 Can I Buy a Home After a Bankrupcy, Foreclosure or Short Sale? Thu, 13 Oct 2011 17:43:23 +0000 http://jacquiecliff.com/Real-Estate-Blog/home-loan-modification-eligible/259#comment-2882 [...] dings can be difficult to sort out for buyers who experienced a loan modification or short sale. The biggest problem is the inconsistency of how the lien holders report to the [...] [...] dings can be difficult to sort out for buyers who experienced a loan modification or short sale. The biggest problem is the inconsistency of how the lien holders report to the [...]

]]> Comment on Commit to purchasing your short sale homes! by ShortSaleOpedia http://www.jacquiecliff.com/commit-to-purchasing-your-short-sale-homes/916#comment-2880 ShortSaleOpedia Tue, 04 Oct 2011 23:25:00 +0000 http://www.jacquiecliff.com/?p=916#comment-2880 Very good post, Jacqueline.  We couldn't agree with you more.  Short sales are difficult enough, and buyer commitment shouldn't be an added issue.  If you want to contribute this to the largest short sale Q&A site, please do so at http://www.ShortSaleOpedia.com - we welcome you to join our network as well. Very good post, Jacqueline.  We couldn’t agree with you more.  Short sales are difficult enough, and buyer commitment shouldn’t be an added issue.  If you want to contribute this to the largest short sale Q&A site, please do so at http://www.ShortSaleOpedia.com – we welcome you to join our network as well.

]]> Comment on Whole Foods to Change Lynnwood’s Personality? by Lynnwood Hobby Lobby Takes Over Former GI Joes Location http://www.jacquiecliff.com/whole-foods-lynnwood-wa/549#comment-2874 Lynnwood Hobby Lobby Takes Over Former GI Joes Location Thu, 29 Sep 2011 13:43:30 +0000 http://www.jacquiecliff.com/?p=549#comment-2874 [...] new projects in the area are the Lynnwood Whole Foods that is opening on 196th and the addition of  the Alderwood Mall Costco.  There is even [...] [...] new projects in the area are the Lynnwood Whole Foods that is opening on 196th and the addition of  the Alderwood Mall Costco.  There is even [...]

]]> Comment on Do you have real estate or mortgage questions? by You are wanting to make an offer on a short sale are you??? - Jacquie Cliff - Professional Seattle Area Real Estate Broker | Jacquie Cliff – Professional Seattle Area Real Estate Broker http://www.jacquiecliff.com/real-estate-questions/#comment-2873 You are wanting to make an offer on a short sale are you??? - Jacquie Cliff - Professional Seattle Area Real Estate Broker | Jacquie Cliff – Professional Seattle Area Real Estate Broker Tue, 27 Sep 2011 11:57:02 +0000 http://www.jacquiecliff.com/#comment-2873 [...] Ask Me Questions [...] [...] Ask Me Questions [...]

]]> Comment on Negative Equity on Your Mortgage – Should You Short Sale? by Sean Tierney http://www.jacquiecliff.com/negative-equity-on-your-mortgage-should-you-short-sale/827#comment-2868 Sean Tierney Sun, 18 Sep 2011 15:12:00 +0000 http://www.jacquiecliff.com/?p=827#comment-2868 Jacqueline, great article. Do you ever advise people to simultaneously pursue multiple paths like requesting a loan mod while also pursuing a short sale?  I had asked that question here:  http://www.shortsaleopedia.com/questions/209/is-it-possible-to-hedge-your-bets-by-simultaneously-pursuing-a-loan-mod-and-a-short-sale and basically was told they're mutually exclusive paths given that you would need to show a hardship to qualify for the short sale, but if you do so you likely won't qualify for the loan mod (and vice versa).has that been your experience as well? can you comment on what you've learned? Jacqueline, great article. Do you ever advise people to simultaneously pursue multiple paths like requesting a loan mod while also pursuing a short sale?  I had asked that question here: 

http://www.shortsaleopedia.com/questions/209/is-it-possible-to-hedge-your-bets-by-simultaneously-pursuing-a-loan-mod-and-a-short-sale
and basically was told they’re mutually exclusive paths given that you would need to show a hardship to qualify for the short sale, but if you do so you likely won’t qualify for the loan mod (and vice versa).has that been your experience as well? can you comment on what you’ve learned?

]]> Comment on Define Real Estate Short Sale by Real Estate Short Sale Approval - Seller's Responsibilities | Jacquie Cliff – Professional Seattle Area Real Estate Broker http://www.jacquiecliff.com/real-estate-short-sale/978#comment-2867 Real Estate Short Sale Approval - Seller's Responsibilities | Jacquie Cliff – Professional Seattle Area Real Estate Broker Sat, 17 Sep 2011 15:49:34 +0000 http://www.jacquiecliff.com/?p=978#comment-2867 [...] I am writing this as a guide to sellers what they can do to help their negotiator achieve short sale [...] [...] I am writing this as a guide to sellers what they can do to help their negotiator achieve short sale [...]

]]> Comment on Define Real Estate Short Sale by Do Bank Negotiators Get Fired Often in Short Sales? | Jacquie Cliff - Professional Seattle Area Real Estate Broker http://www.jacquiecliff.com/real-estate-short-sale/978#comment-2866 Do Bank Negotiators Get Fired Often in Short Sales? | Jacquie Cliff - Professional Seattle Area Real Estate Broker Tue, 13 Sep 2011 04:00:48 +0000 http://www.jacquiecliff.com/?p=978#comment-2866 [...] do a good number of short sales for my clients here in the Seattle area and I find this question decidedly funny.  Mostly because [...] [...] do a good number of short sales for my clients here in the Seattle area and I find this question decidedly funny.  Mostly because [...]

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