If you need more help, you’ll find links to state laws and even forms. There are many decisions that we make in our day-to-day family life that have potential legal issues and ramifications that we should understand. http://family.findlaw.com

1. Renegotiate: A) Forbearance Agreement – You must have a job and 3% equity in your home.B) Loan Modification – Unpaid payments and late fees are tacked on to the end of the loan. You must have a job and 3% equity in your home.
2. Refinance: IF 90 days in arrears, it is very difficult. [...]

“After all is said and done, more is said than done.” – Aesop

Silicon Valley Still Good Market, Realtors Just Need to Bring Information to Buyers
Despite reports that Bay Area home sales are at their slowest pace in 15 years, many markets in the area are doing well and now is actually a good time to buy a home, California Association of REALTORS® President Colleen Badagliacco told SILVAR [...]

Lower Fed Rate Means Opportunities on the Rise
For the first time in more than four years, the Federal Reserve cut its Fed Funds Rate, which directly impacts millions of American borrowers. And while this important decision has many implications, there’s still some debate among experts about what this means to the economy as a whole. [...]