Napa Solano Yolo real estate blog

Victim horses
November 17th, 2008 12:04 AM

I have heard word of horses who may have owners who may no longer be able to afford to feed their horses because of the economy or losing their property through foreclosure or due to illness can no longer care for their animals.

If you know of such a horse or other pet who may be hungry or abandoned, please remember there are people who care for the animals and may be able to help feed or house them.

You may want to visit these websites to find out more about how to help donate to horse rescue ranches or send money for feed. They take in donations of feed, money or tack, whatever you may have to spare. You may also be able to adopt one of the rescued animals if you have room at your ranch or home for an abandoned rescued animal.

www.savethehorse.com

www.thegoldencarrot.org

www.dudesranchequinerescue.org

www.thegracefoundationofnorcal.org

www.tbfriends.com

www.hytimeequinerescue.net

www.angelfire.com/tx2/horsecorral/rescue.html

www.wildhorserescue.org

www.horsenation.info/shilosinn/PAGES/what.html

www.sunrisehorserescue.org/pages/links.htm

 

 

Posted by Barbara Adams on November 17th, 2008 12:04 AMPost a Comment (0)

Track your ARM (loan rate tracking)
November 24th, 2008 1:27 AM

If your loan is adjustable, you will need to read your mortgage to find out when and how your rate adjusts periodically.

At some point it will not adjust anymore and it will stay at that payment.

Your interest rate may, most likely, be adjusted per the Libor index. There are several Libor indexes and your mortgage will tell you which Libor you are tied to.

Your payment will also be based upon how many percentage points above Libor your new payment is based upon.

Once you find out Libor and your point spread, you can calculate your new monthly payment, like I said, it MIGHT be lower now! Go here to calculate your fixed rate payment.

If you do not know what the answers are to these questions, you will need a copy of your mortgage which is recorded with Solano county recorder.

The title company or a Realtor can get a copy for you, just send me an email and I'll get your copy of your mortgage over to you right away so you have no surprises when your payment changes.

The good news is that the Libor is going down right now, so your payment MIGHT also go down. That might be just the time your lender would love for you to call them to reduce your rate, right when they were going to do just that anyhow.

Be informed, know what you are facing. Knowing what your new payment will be just MIGHT be good news instead of bad this year....

 

Posted by Barbara Adams on November 24th, 2008 1:27 AMPost a Comment (0)

Still waiting.....in North Village
November 17th, 2008 11:27 PM

Kaiser Permanente Hospital in Vacaville has announced another delay in opening the hospital portion of their new building in North Vacaville.

It is not a total disappointment as they did recently begin to add additional medical specialty offices at the new building, they just won't have emergency and in-hospital care until January of 2010.

We are excited about the new facility as it is a green building and it has long been awaited for as the second hospital in our city brimming with over 96,000 people and many of them are members of Kaiser Permanente. There is also a large military and military retiree citizenry here too and they use the military hospital at Travis most of the time.

Anyhow, we await the new hospital and are enjoying the recent opening of the new State Compensation Insurance building, which is right next door practically to the new Kaiser hospital and is also a green building, they are side by side with the Genentech building out in north Vacaville.

Seeno homes have been busy building in that area to house the transferring families who are being welcomed into our community to work at these fine new facilities. Seeno is located at North Village in the Portico, Atrium and Estuary neighborhoods and a new section is being opened there soon.

Seeno has been building homes in our area since 1938, starting out in Contra Costa county and now in many more counties including Solano county, Seeno has created the master-planned North Village community with green in mind. This place will be shaded over with thousands of trees when it is completed, parks, schools and shops, even Solano college will have a campus here, also currently home of Vacaville indoor soccer, Starbucks, Subway, McDonald's, 2 gas stations and nearby awesome PureGrain bakery, the Vacaville Reporter, and all of this will be a part of the future of North Village as well as the new hospital.

You may choose to go to the nearby driving range or play the public course at Green Tree Golf Course.

Posted by Barbara Adams on November 17th, 2008 11:27 PMPost a Comment (0)

California Association of, Realtors Loan Mortgage Workout program information
November 15th, 2008 2:57 PM

If your primary residence loan is in need of a modification due to circumstances, please visit this CAR website to find out more about the major lenders that already have a loan modification plan in place.

If your lender is not listed here, you may gather the information mentioned on the website above and THEN call your lender to outline your situation, it is always based on a case by case situation and ONLY if you currently live in that house.

Posted by Barbara Adams on November 15th, 2008 2:57 PMPost a Comment (0)

Dixon General Plan Update Meetings
November 13th, 2008 11:16 PM

The city of Dixon California is updating their General Plan which will be in effect for the next 15- 20 years.
Be a part of the solution, come help put your ideas in front of the committee or just come and watch history in action.

If you want to see the draft General Plan, visit this Dixon General Plan website and see meeting times coming up November 17, 2008.

Posted by Barbara Adams on November 13th, 2008 11:16 PMPost a Comment (0)

Homecomings owned by GMAC
November 11th, 2008 11:25 PM

Lots of stuff going on everywhere lately, as I get tidbits I pass them on...no legal advice intended, just info to pass on..

Homecomings Financial is owned by GMAC mortgage, problem is that they are now having problems of their own, but I did get some contact information if you need to contact them for a loan workout on your home loan.

They seem to be one of the most difficult to get in touch with on the late payment loans etc. This info may help.

here is all of the contact numbers and info we have for GMAC..........not sure if it will help you............but you might want to try and see........

Phones
(215) 682-3182
(610) 478-1011
(610) 770-1452
(800) 205-4622
(800) 627-0128
(800) 964-6063
(202) 785-4622
(215) 653-7660
(215) 682-1000
(215) 682-1220
(215) 682-3086 (FAX)

Their corportate office is in Horsham PA:

GMAC Mortgage Corporation100 Witmer Road
Horsham, PA 19044

Principal Contact
Mr. Jordan Nelson (Voice of the Consumer Director)
Complaint Contact
Ms. Diana Basciano (Voice of the Consumer Supervisor)
Other Contacts
Ms. Ruth Bryan (Customer Service Advocate)
Mr Greg Everett (Prod. Manager)
Mr. Jacqueline Harvey (Prod. Mngr.)

 

Posted by Barbara Adams on November 11th, 2008 11:25 PMPost a Comment (1)

Loan modification inforemation Nov 2008
November 7th, 2008 7:57 AM

Loan Modification Information Banks Lenders

Loan workout Resource Sheet

Terms, definitions, individual loan workout program links, whether you are behind in your payments or maybe you are not but are having or foresee difficulty in making your house payments.

As the coming weeks will show, there will be more and more banks that will be offering loan modifications in either rates or the length of the loan term due to recent federal legislation, for certain homeowners with hardships but who may be able to afford a different payment plan than they currently have. It will be a requirement that for 90 days before foreclosure procedures in the near future that banks attempt to make arrangements for payments before instituting the foreclosure process.

Even if your particular bank is not linked here, they may still be working with borrowers, call your bank or lender and ask to speak to the loan modification department manager. Scroll down for phone numbers for most lender loss mitigation departments.

If your bank recommends a short sale after discussing your situation with you, you will need an experienced Realtor, simply call me to discuss the discreet listing of your home, our fees will be paid by your bank at the close of escrow. A for sale sign in your yard is not necessary. Your privacy is my main concern. Your confidence in my knowledge and experience is your assurance that a successful short sale can be accomplished. I work with the short sale negotiation team in my office , together we can work with your lender to achieve a win-win situation.

Contact your attorney and financial advisor for possible tax consequence information on short selling, foreclosures or a deed in lieu of foreclosure.

SAMPLE LOAN MODIFICATION FORM

Credit Counseling for East Bay cities

California Foreclosure Avoidance Information

CAL-HFA foreclosure avoidance

BANK NEGOTIATION INFORMATION

CitiMortgage

CitiMortgage Hardship Assistance

Workable Solutions Application

Countrywide - Bank of America- December 1, 2008

Financial Difficulty Relief

Everhome Mortgage Corp

If you fall behind in your mortgage

GMAC

Resource Center for Homeowners

Financial Analysis for Homeowners Form

Homecomings

Help for homeowners

Financial Analysis Form Homecomings

IndyMac Bank – FDIC

Loan modification information

Short Term repayment plan

Conditional Forbearance

Loan Modification

Short Sale

Deed in Lieu

Loan Modification Portal

Information Center

Glossary of Terms

WaMu Washington Mutual

Need help with your mortgage?

Borrower Assistance Form

Wells Fargo

Alternative Repayment Options

Request Payment help

Espanol para evitar la ejecución hipotecaria

Loan Modification Phone Numbers:

Lender/Servicer Loss Mitigation Help

Phone Numbers & Contact Information
_________________________

ABM AMRO Mortgage (800) 783-8900

Accredited Home Lenders(877) 683-4466

AMC Mortgage Services (Also handles loans Ameriquest and Argent) (800) 211-6926
1600 McConnor Parkway
Schaumburg, IL 60173

American Home Mortgage Corp.(877) 304-3100*

Ameriquest Mortgage (Debt collection -- see AMC Mortgage Services) (800) 211-6926

Aurora Loan Services (Debt collection) (800) 550-0508
By Overnight Mail:
601 5th Avenue
Scottsbluff, NE 69361
Attn: Customer Service
By Regular Mail:
P.O. Box 1706
Scottsbluff, NE 69363
E-mail: ccnmail@alservices.com

Avelo Mortgage LLC (866) 992-8356*

Bank of America (800) 846-2222

BB&T Mortgage (800) 827-3722*

AmTrust Bank (fka Ohio Savings Bank) (888) 696-4444

Beneficial (800) 333-5848
Central Pacific Bank (800) 342-8422*

Charter One (800) 234-6002

Chase (800) 446-8939
Chase Home Finance (800) 848-9136 (customer service) (858) 605-2181 (delinquency customer service)
Chase Home Finance-New Jersey (800) 446-8939* Chevy Chase Bank (800) 933-9100*

Chase Manhattan Mortgage
(800) 446-8939 (Ohio Servicing Center)
(800) 526-0072 (Florida Servicing Center)
(800) 527-3040 x533 (Florida Servicing Center)
Chevy Chase Bank (800) 933-9100
Web: (Payment Addresses)

Citi Financial Mortgage (800) 753-3673

Citimortgage (800) 283-7918

Countrywide (800) 262-4218

Ditech (800) 852-0656 (800) 449-8582

Downey Financial Corp.(800) 824-6902, ext. 6696

Deutsche Bank National Call Number on Mortgage Statement

EMC 800-723-3004
P.O. Box 141358
Irving, TX 75014-1358

EverBank (800) 669-7724 ext. 4730

Equity One (Debt collection) (866) 361-3460

First Horizon Home Loans (800) 489-2966*

Fifth Third Bank (800) 375-1745 Option 3

First Merit Bank (888) 728-9931

Flagstar Bank (800) 968-7700, ext. 9780

Fremont Investment & Loan (866) 484-0291

GMAC Mortgage (800) 850-4622

GreenPoint Mortgage Funding (800) 784-5566, ext. 5383*

Green Tree (877) 816-9125

Homecomings Financial (800) 850-4622*

HomeEq Mortgage Servicing ( Debt collection) (866) 822-1471

Household Finance (A HSBC Co.) (800) 333-5848

Household Mortgage (800) 333-4489 Household Mortgage -(Is now called HSBC Mortgage Services) (800) 365-6730

HSBC Mortgage (800) 338-6441
(Mortgage Services and Corp. are different) (800) 338-6441
Default Resolution Team (for long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax

Huntington National Bank (800) 323-4695

Indymac Bank (877) 736-5556
C/O Loan Resolution Department
P.O Box 7014
Pasadena, CA 91107
(Monday - Friday 6:15am-7:15pm. (Pacific Time))

Irwin Mortgage (888) 218-1988
P.O Box 7014
Pasadena, CA 91107
E-mail: deliquency.prevention@irwinmortgage.com

James B. Nutter & Company (800) 315-7334

Key Bank (800) 422-2442

LaSalle National Bank (800) 783-8900

Litton Loan Servicing (800) 999-8501 or (800) 548-8665
Fax (713) 966-8820
4828 Loop Central Drive
Houston, Texas 77081-2226
Loss Mitigation Department Hours:
Monday Eastern: 9 a.m. - 7 p.m. Central:8 a.m. - 6 p.m. Mountain:7 a.m. - 5 p.m. Pacific:6 a.m. - 4 p.m.
Tuesday-Thursday Eastern:9 a.m. - 9 p.m. Central:8 a.m. - 8 p.m. Mountain:7 a.m. - 7 p.m. Pacific:6 a.m. - 6 p.m.
Friday Eastern:10 a.m. - 6 p.m. Central:9 a.m. - 5 p.m. Mountain:8 a.m. - 4 p.m. Pacific:7 a.m. - 3 p.m.
Default Counseling Department representatives are also available most weekends on Saturday from 8 a.m. to 12 p.m. and Sunday from 10 a.m. to 2 p.m. (CST).

Midland Mortgage (800) 552-3000 or (800) 654-4566

Mortgage Lenders Network (800) 691-0129
E-mail: customerservice@mlnusa.com

Mortgage Electronic Registration Systems (888) 679-6377

National City (800) 367-9305, Ext. 53221 or (800) 523-8654
Attention: Homeowner's Assistance
3232 Newmark Dr.
Miamisburg, Ohio 45342
(8AM-10:30PM ET, Monday - Thursday)
(8AM-5PM ET, Friday)
(8AM-Noon, Saturday)

Nationwide Advantage Mortgage Company (800) 356-3442, ext. 6002*

NationStar Mortgage (888) 850-9398* Press 0 for operator

New Century Financial Now ; Now called: lCarrington Mortgage Services (800) 790-9502 or (877) 206-9904
(6:00 a.m. to 7:00 p.m. Pacific Time, Monday - Thursday)
(6:00 a.m. to 6:00 p.m. Pacific Time, Friday)

NovaStar Mortgage Loan Resolution Department (888) 743-0774 Non-English: (888) 743-0774, ext. 4523

Ocwen Federal Bank (800) 746-2936 or (877) 596-8560
Attention: Financial Information
12650 Ingenuity Drive
Orlando, Florida 32826
or
Ocwen Financial Corporation
1661 Worthington Rd., Suite 100
West Palm Beach, Florida 33409
Phone: 877-226-2936

For serving Ocwen with legal process, please send to their registered agent:
Corporation Service Company
2711 Centerville Road, Suite 400
Wilmington, DE 19808
Phone: 561-682-8000, x8386

Option One (866) 711-1962 or (888) 275-2648

PHH Mortgage (Formerly Cendant) (800) 257-0460
For borrowers facing possible delinquency: (800) 330-0423*
For borrowers in the foreclosure process: (800) 750-2518

ResMae Mortgage Corp.(877) 473-7623, ext. 5944

Saxon (800) 665-7367

Select Portfolio Servicing (888) 818-6032
Fax: (801) 293-3936
Loan Resolution Department
P.O. Box 65250
Salt Lake City, UT 84165-0250
(Monday - Thursday 10:00 a.m. - 10:00 p.m. EST)
(Friday 10:00 a.m. - 7:00 p.m. EST)
(Saturday 9:00 a.m. - 1:00 p.m. EST)

SkyBank (800) 290-3359

Sun Trust Mortgage (800) 634-7928
PO Box 26149
Richmond, VA 23260-6149
Mail Code RVW 3003

Third Federal Savings (888) 844-7333

US Bank (800) 365-7900

Wachovia Bank of Delaware (866) 642-8608

Washington Mutual (866) 926-8937 or (888) 453-3102 or (800) 478-0036 or (800) 254-3677

Waterfield Mortgage (800) 957-7245
Fax: (260) 459-5390
c/o Loss Mitigation Dept.
7500 W. Jefferson Blvd.
Fort Wayne, IN 46804
(7 am - 10 pm EST Monday - Thursday)
(7 am - 9 pm EST Fridays)
(8 am - 2 pm EST Saturdays)
E-Mail: saveyourhome@waterfield.com

Wells Fargo (877) 216-8448 or (866) 261-5642 or (800)766-0987 or (800) 678-7986 for payment assistance
Borrower Counseling Services
Monday - Friday 8:00 a.m. - 9:00 p.m., CT
Saturday 9:00 a.m. - 2:00 p.m., CT

Wendover Financial Services Corporation (800) 934-1081 or (800) 436-1022

Wilshire Credit Corporation (888) 502-0100
P.O. Box 8517
Portland, OR 97207-8517
From 6 a.m. to 5 p.m. (Pacific time) Monday through Friday

---Barbara Adams, REALTOR

Posted by Barbara Adams on November 7th, 2008 7:57 AMPost a Comment (0)

Real estate news Vacaville Dixon Davis Winters
November 2nd, 2008 7:22 PM
Here is some current real estate news from the California Association of Realtors to keep you informed....Barbara
Posted by Barbara Adams on November 2nd, 2008 7:22 PMPost a Comment (0)
Recent Posts:
Archive:
My Favorite Blogs:
Sites That Link to This Blog:

 

Barbara Adams and Kappel and Kappel Inc are licensed by the California Department of Real Estate.

Barbara Adams, Realtor DRE license # 01355372

Kappel and Kappel Inc DRE license # 00527552

fair housing logoListings may not be those of this Realtor or Broker, and may be offered via IDX database sharing via the Bareis mls. Size, dimensions, condition of property, features, amenities, availability listed here must be verified or measured for satisfaction of potential buyer.

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Barbara Adams, REALTOR® Kappel and Kappel 401D Davis Street Vacaville, CA 95688
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