Friday, February 22, 2013

9 Legal Tips Every Renter Should Know

Ingleside Terrace Homes
These tips were developed to help you understand your rights and obligations as a renter generally. Your rights and obligations are most often determined by the terms of your lease and laws that vary greatly among the states and provinces. Call your LegalShield provider law firm and speak with an experienced attorney who will review the lease document BEFORE you sign it and explain your rights and obligations.

Understand the terms of your lease before you sign. One common mistake renters make is signing a lease without fully understanding their rights and responsibilities. As a LegalShield member you can have an attorney review your lease and discuss it with you before you sign.

Purchase renters insurance. In the event of a disaster, your landlord’s insurance may only cover the property the landlord owns. Renters insurance is generally affordable and offers protection not only for your personal belongings, but also against many personal injury claims that occur on or near your rental property.

Your landlord may be responsible for making repairs in a timely fashion and for keeping the premises safe and in compliance with health and other codes.  However, the landlord’s responsibility varies depending on the terms of the lease and state or provincial laws. Always consult with your provider attorney and ask he or she to review the lease with you.
In most cases a landlord must give you notice before entering your Ingleside Terrace Home. However, this may be subject to change depending upon the language of your lease or the local laws that apply to it.

Never stop paying rent to settle a dispute with your landlord. If you believe that you have a claim against your landlord, you may not be entitled to withhold your rent. Always talk to your LegalShield provider law firm immediately if you have a dispute with your landlord. Even if you have a legitimate claim against your landlord, the landlord may still be entitled to evict you if you do not pay your rent.

Under most circumstances, your landlord cannot take your property, change your locks or turn off your utilities merely because you failed to pay rent. However, the landlord may be able to file eviction proceedings against you in court. Call your LegalShield provider law firm if you have any dispute with your landlord.

Do not break a lease without understanding your rights and responsibilities. In some rare instances tenants can break a lease without notice, but laws vary and it is important to understand the proper procedure for breaking your lease. If you need to get out of your lease before it expires, call your provider law firm first.

Generally, the landlord’s cost for repairing normal wear and tear cannot be deducted from your security deposit. Before moving into and out of a rental property, take detailed pictures of each room. Before and after pictures may be helpful if the landlord claims damages you did not cause.

Your landlord must return your deposit in a reasonable amount of time. Specific time frames may vary. If you need assistance with the return of a security deposit, your LegalShield provider law firm can help.

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Educate Yourself So You Don't Become a Victim!

San Francisco Realtor
For distressed homeowners in danger of losing their  home, there are already a lot of problems. The last thing a homeowner in this situation needs is to fall victim to a scam. Unfortunately, people in this situation are often the most vulnerable to a kind of fraud called “mortgage relief fraud.”

Fraudsters will prey on people who are looking for a loan modification, short sale or other foreclosure alternative because these are the most common options for distressed homeowners.

There have been legal cases brought against many, but scammers always try to stay a step ahead of law enforcement. Even though many of them have been caught, there are still people who prey on vulnerable homeowners with too-good-to-be-true promises.

In fact, in a recent example highlighted in the New York Times, con artists told homeowners that they represented the bank and that the homeowners were already approved for a loan modification. Only after the homeowners paid thousands of dollars up front did the truth come to light.

I have a report that outlines the most common forms of mortgage relief fraud. Download it for free to educate yourself, then contact me for a free confidential consultation to ensure that you or someone you know doesn’t become the next victim!

For Information please visit our website:

Monday, February 4, 2013

Get Paid to Sell the Home You Can’t Afford!

Ingleside Terrace HomesWhen the housing market crashed in 2008, millions of homeowners suddenly found themselves in danger of losing their home to foreclosure. To help these homeowners, in 2009 the U.S. Treasury launched the Making Ingleside Terrace Home Affordable (MHA) program, which is comprised of several subprograms designed to help distressed homeowners avoid foreclosure.

One of the most talked about elements of the MHA program is the Home Affordable Foreclosure Alternatives program, or HAFA. The HAFA program creates options for homeowners who owe more on their mortgage than the property is worth and don’t know what to do. Even better, it allows relocation assistance of $3,000 to be paid to eligible homeowners in this situation.

HAFA also helps the process go more quickly by mandating that banks keep in contact and make decisions in a timely fashion. To learn more, you can download my free report entitled “Struggling to Make Your Mortgage? Uncle Sam May Pay You to Sell Your House!” by going into my website

As a real estate professional with the Certified Distressed Property Expert (CDPE) designation, I offer all of my clients the benefit of the best expertise and insights when it comes to foreclosure avoidance.

Friday, September 28, 2012

It’s time to take another look at short sales

As recently as a few months ago, if you would have told a real estate agent who specialized in short sales that they’d be raving about a lender’s stellar service and rapid approval times—not to mention significant cash incentives for financially strapped homeowners for pursuing a short sale—you’d have gotten some strange looks.
San Francisco Realtor

That’s all changed.  And it’s changed faster and to a greater extent than most real estate professionals ever could have imagined.

With a glut of bank-owned properties dragging down the recovery of the real estate market, as well as the national economy, major lenders are more eager than ever before to avoid foreclosure. So they’ve sharpened their focus on short sales. Big time.

The biggest lenders in the country have staffed up to ensure rapid processing of short sale applications. They’ve ponied up with cash incentives at closing for homeowners who pursue a short sale. And they’re proactively reaching out to CDPE agents and putting them in touch with delinquent borrowers.

This is big news and the media has not really caught onto it yet. What’s important for you to know is that whatever you’ve read or heard in the past about long lag times and frustrations with short sales is probably no longer the case.

As a member of the CDPEAdvanced community, I’m tapped into major lenders and on top of major developments affecting short sales and bank-owned properties.  I invite you to visit my website to learn more and feel free to contact me any time at 415-816-0048 or if you or anyone you know is struggling with an unmanageable mortgage."

For Loan Modification Seekers, There are Often Better Options

(San Bruno), (CA) – (August 23, 2012) – For homeowners facing foreclosure, there are a lot of powerful emotions at play. A loan modification, changing the original terms of the loan, can represent an attractive option because it allows the homeowner to stay in their Ingleside Terrace Home.
San Francisco Realtor

There are some truths about loan mods, however, that many homeowners don’t know. “According to studies down by the Department of Housing and Urban Development,” says (de Mesa, CDPE, Clarin Realty Inc.), “over half of the people who get a loan modification end up redefaulting within 6 months.” This coupled with the increasing difficulty in obtaining a loan mod means that they are are often not the an ideal solution for everyone.

“In reality, a loan modification works for people in a very specific set of circumstances. They are people who are normally financially stable, but that have found themselves with a temporary problem that is threatening their home,” said de Mesa. Job loss or an unexpected illness are the most common temporary issues that arise. For homeowners who know that their situation will be fixed in the near future, a loan modification makes sense.

For most people in danger of losing their home, however, these circumstances don’t apply. Their financial issues are often larger and beyond the scope of what a bank will consider for a loan modification. For those homeowners, it is important that they are educated on their options.

A Certified Distressed Property Expert (CDPE), Noreleen de Mesa ( ) has intimate knowledge about the many foreclosure alternatives that are available. A Certified Distressed Property Expert (CDPE) is knowledgeable of the entire landscape of foreclosure avoidance options and is distinctly qualified to negotiate with banks and help struggling homeowners regain peace of mind and a sense of stability for the future.

Noreleen de Mesa has developed a free report entitled, “Loan Modification Secrets,” which is accessible from her website,

The report provides a thorough rundown of all of the ways that a short sale is more beneficial to homeowners than foreclosure.

Noreleen C. de Mesa, CDPE, SRES, GRI DRE #01387621
For more information about the CDPE Designation, visit