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Chances are, you or someone you know in Ventura County is facing the possibility of foreclosure. Please understand that you are not alone.  Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Ventura County Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

Attention Homeowners Are You Worried About Losing Your Home? There are options for staying in your home. Free book shows you how. Visit site now. ( Yours FREE - Simply Click Image Above Or Link Below ) www.knowalloptions.com/1841 Helping neighborhood homeowners facing foreclosure to get back on track. Foreclosure Counselors: What They Can and Can't Do Foreclosure counselors can make the difference between losing your home and keeping it. Here’s how they work and how to choose one. Read   Website Resources for Foreclosure Help   Here are some legitimate resources to help you fight the foreclosure crisis. Read   Foreclosure Help: 5 Pros You Need on Your Team Know which experts provide foreclosure help—often at no cost to you—and how to find them. Read   Facing Foreclosure: What to Do Right Now If you’re facing foreclosure, don’t panic: Take steps right now to save your home or at least lessen the blow of its loss. Read   Avoid Foreclosure Rescue Scams With foreclosure rescue scams widespread as more homeowners fall behind on mortgage payments, be smart if you seek help. Read   Visit houselogic.com for more articles like this. Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®     Facing Foreclosure: What to Do Right Now If you’re facing foreclosure, don’t panic: Take steps right now to save your home or at least lessen the blow of its loss.   Foreclosure Help: 5 Pros You Need on Your Team Know which experts provide foreclosure help—often at no cost to you—and how to find them.   Website Resources for Foreclosure Help Here are some legitimate resources to help you fight the foreclosure crisis.   Avoid Foreclosure Rescue Scams With foreclosure rescue scams widespread as more homeowners fall behind on mortgage payments, be smart if you seek help.   Foreclosure Counselors: What They Can and Can't Do Foreclosure counselors can make the difference between losing your home and keeping it. Here’s how they work and how to choose one.  >> Consumer Credit Counseling Service of Ventura County, Inc.  (Camarillo)            >> Cabrillo Economic Development Corp. (West Ventura) Understanding the New Home Affordable Foreclosure Alternatives Program (HAFA): What's the purpose of HAFA?  To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure. The HAFA Program, which took effect on April 5, 2010, provides servicer, seller and junior lien holder incentives for these transactions and is designed to simplify and streamline use of short sales and deeds-in-lieu of foreclosure.  Read the HAFA Short Sales FACT SHEET. Who is eligible for HAFA?  The borrower must meet the basic eligibility criteria for HAMP: • Principal residence. • First lien originated before 2009. • Mortgage delinquent or default is reasonably foreseeable. • Unpaid principal balance no more than $729,750 (higher limits for 2 to 4 unit dwellings). • Borrower’s total monthly payment exceeds 31% of gross income Government forces are already moving to limit potential damage to millions now struggling with home loans. A new Obama administration short sale program aims to prevent banks that hold second-lien loans from pursuing collections from homeowners after the short sale. It went into effect April 5, 2010 and works this way: Sellers will receive notice that their servicer has steered part of the sales proceeds to secondary lien holders “in exchange for release and full satisfaction of their liens.” This release would apply only to short sales done through the administration’s Home Affordable Foreclosure Alternatives program.... Continued *** READ MORE ABOUT HAFA HERE ***