Posted: 01 Nov 2009

Home Equity Purchasers and Forclosure Consultants


The California Legislature has found that, in many cases, homeowners whose homes are in fore­closure are defrauded by home equity purchasers who induce them (especially the poor, elderly, and financially unsophisticated) to sell their homes for a fraction of their fair market values. Their schemes often involve oral and written misrepresentations, deceit, and intimidation.


Posted: 01 Jul 2012

Mechanics' Liens


If you're a property owner who's entered a contract for construction, alteration, addition or repair to your property, you should be aware that a mechanic's lien could be recorded against you and that, if it is, the consequences could be serious. At the same time, by understanding something about mechanics' liens, you will find that simple ways exist to protect yourself against that possibility.


Posted: 01 Aug 1997

Home Equity Loans and Credit Lines


The largest investment many Americans will ever make is in their home. Advertisements claim that your home represents an untapped source of wealth which can easily be drawn upon in the form of a home equity loan. Indeed, borrowing against home equity has increased sharply since the interest deduction on consumer loans began to be phased out in 1986.


Posted: 01 Mar 1999

Selecting a Real Estate Agent or Broker


Whether you want to sell your house or are in the market for a new house, you're probably also in the market for a real estate agent or broker to help you with this complex transaction.


Posted: 24 Jan 2014

Mortgage Servicing - What You Need To Know


When you apply for a home mortgage, you may think that the lender, or loan originator, will service the loan until it is paid off or your house is sold. This is not always true. In today's market, mortgage servicing rights often are bought and sold.


Posted: 06 Nov 2009

Foreclosure Frauds and Fixes


Whenever real estate values decline and market conditions are as they are now, the possibility exists that many homeowners will owe more on their home than the home is worth. If you find yourself facing foreclosure, you may receive a notice in the mail or a visitor at your door, or you may seek assistance on the internet, from a company that tells you that they can “STOP FORE­CLOSURE NOW.” Typically these foreclosure consultants offer to purchase your home, assist with back taxes or mortgage payments, or negotiate with your lender to obtain a repayment plan from your mort­gage company. Often solicitors or solicitations may imply an affiliation to your mortgage company or to a government agency.


Posted: 25 Oct 2013

Your Rights With Prepaid Rental Listing Services


For someone looking for housing for rent, classified ads in newspapers are a frequently-used source of information.  Sometimes, though, calling the number of a rental that sounds good may lead to a salesman, not a landlord, who offers to sell a list of rentals.


Posted: 23 Jan 2015

Avoiding Mortgage Relief Scams


If you find yourself facing foreclosure or fall behind on making your mortgage payment, you may be contacted by or seek the services of a company that claims they can “STOP FORE­CLOSURE NOW” or offers other mortgage relief assistance. Knowing the tell-tale signs of a scam can save you time, money, and maybe even your home.


Posted: 02 Feb 2017

Money Transfer Services


Many people use money transfer services as a convenient way to get funds to someone you know. Scammers know that money transfers are a quick way for them to get money without detection. Find out some common scams crooks use money transfer services for and how to avoid them.