Mortgage Solutions


Dear Friends and Clients,  As you are all painfully aware; our whole economy is currently undergoing a radical upheaval. Undoubtedly, the dust will settle and we can then begin to rebuild both as a nation and as individuals. 

While I do not have any quick fixes for the nation as a whole, I do have a few worthwhile ideas that I would like to share with you. As the country tries to get its house in order, I would like to offer my assistance to you in getting your house in order. I would like to provide you with a FREE no obligation evaluation/analysis of your current real estate holdings, mortgages, loans and lines of credit. I will provide you with your best options to stay on top of this rollercoaster we are presently on. In this way, you will be able to make a clear determination as to your present course, and understand if changes are necessary or not.

C.A.R. has created several new resources for REALTORS® and homeowners seeking information on existing mortgage workout programs. To provide members with one easy-to-use document, we’ve developed a chart outlining programs offered by the larger lenders and government entities, including a snapshot on eligibility requirements and contact information. If a lender or loan servicer is not on the chart, homeowners may wish to contact their lender or loan servicer to determine if a workout program is available.

We have also developed consumer information sheets containing detailed information on specific programs that you can print or e-mail to share with clients.  Please click on the appropriate link below for information on a specific program.

HOPE For Homeowners (H4H)
Countrywide Financial (Bank of America)
Citigroup, CitiMortgage
JP Morgan Chase & Co.
IndyMac Federal Bank, FDIC
Federal Government Loan Modification  (Participants include: Fannie Mae, Freddie Mac, Federal Home Loan Banks, Hope Now participants, U.S. Dept. of the Treasury, Federal Housing Administration and the Federal Housing Finance Agency, and Wells Fargo.)

In general, the loan modification programs on the chart and consumer information sheets are intended for primary residences only.

It’s important to stress to clients that mortgage loan modifications typically are handled on a case-by-case basis. Prior to calling a lender or loan servicer, homeowners should have the following information available:
Loan number
Income information and documentation
Most recent mortgage statement
Bank statements
Letter demonstrating financial hardship

REALTORS® who wish to assist their clients in seeking loan modifications should ensure they are in compliance with California law.  For further information, please visit the California DRE Web site at REALTORS® also may direct clients to work with a U.S. Dept. of Housing and Urban Development (HUD)-approved counselor.  For a list of HUD-approved counselors in California, visit the HUD Web site at

In other news, you may have heard or read about an inaccurate and misleading claim by about its ability to place unlisted for-sale-by-owner information on®. may not in any way enable home sellers to advertise their home on® without broker representation. Be assured that every property on must be listed by a licensed real estate broker.® has asked to issue a retraction.

We hope you find both the chart and the consumer information sheets useful as we assist our clients through this difficult time. You also can access the info on at


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