As I am putting together a new real estate website tonite, one of the searches I did out of curiousity was “foreclosure help for homeowners”.  I was happy to see so many websites offering help. I have not checked them all out yet, but when I originally searched for “foreclosure home owner help” almost everything that came up was for buying foreclosures, not saving yourself from them. So if you’re not finding the help you need, play around with your search terms a little.

I felt very fortunate today to be in on a conference call with a fellow Realtor, Jeff Schrager in Fresno, whom I have never met, but obviously has a good heart. He is willing to teach any Realtor whose interested how he put together a network of everything the homeowner going through foreclosure could need. He is in a what used to be very small and rural part of California and he’s been able to make it work. It seems we in the Bay Area with so many resources should be able to do a really bang up job, if everyone would just work together.

Have you ever seen that demonstration with a strand of hair? You take one strand of hair and try to break it. It’s pretty easily done. You put 3 strands together, it’s almost impossible. That’s how I feel about this program. None of the resources anyone has is enough to save all of the homeowners in trouble, but if we combine together and have a huge network, while we can’t save everyone, we can save more than we could alone. On top of all this is, these services are free! You should not be paying anyone to help you if you’re in trouble in the state of California. It is illegal for anyone to charge you any kind of upfront fee, whether it be for loan modifications, or anything else to do with your home once you’ve gone into default.

One of the things that’s so great about trying to put something like this together, is that no one wants to help you until you’re in trouble. I would like to see people getting help when they ask for it. Most people know they’re headed down a bad path, and they can’t keep it up much longer. Why do the banks not pay attention to your warnings? Why don’t they help you before the foreclosure process begins, saving them money as well as you? I don’t know. I think it’s shear stupidity and too big a business. I would like to see what we can do to help change some of that. For some of you the help comes too late, as it did for me.  If you’re in trouble or about to be, seek help now. It’s free. You don’t have to 1)sign over your house 2)pay someone up front fees 3) pay someone monthly fees to help you. There are so many agencies that only came into existance for this disaster. Take advantage of it and get assistance.

If I may be of service in anyway, don’t hesitate to contact me. All my contact info is here on this site. I would be honored to help. There is a lot of help out there for homeowners in foreclosure needing help.