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July   2011  Market Update

The U.S. housing market has shown increased stability in home sales during 2011 compared to the previous year. The trend has been an upward one since the expiration of the tax credit last summer. Home prices have softened, particularly earlier this year, due to a higher-than-normal number of distressed sales. However, both the percentage of distressed sales and the amount of time they spend on the market has decreased in recent months, a positive sign for the market moving forward. In fact, prices have steadily followed a positive monthly trend since February. Mortgage defaults have also declined lately.  In e spite of this I have five home in escrow right now.  Topanga homes, Venice homes,  townhomes on the westside, and even the San Fernando Valley!

While interest rates continue to break new record lows, the number of buyers who are able take advantage of these savings is restricted by tougher underwriting standards for mortgages. 40% of the banks surveyed by the Office of the Comptroller of the Currency tightened lending standards for mortgages within the past year. In his second press conference, Federal Reserve Chairman Ben Bernanke stated that a quicker foreclosure process and additional home price stabilization are key to boosting confidence in the market and bolstering a more robust recovery in the housing sector.

As the economy improves, stimulus efforts by the government and the Fed will most likely continue to wind down, which typically spurs rising interest rates to keep inflation in check. Although inflation has been the source of recent concern, the Fed appears confident it will remain in check for the near term. Meanwhile, buyers continue to benefit from historically favorable buying conditions, and sellers are encouraged by increased market stability.

Falling home prices should give aspiring homeowners the upper hand this spring, but in a growing number of locations, it doesn’t feel like a buyer’s market.

Blame the nearly five-year slide of home prices. Those declines, which accelerated over the past two quarters, have left many sellers unable or unwilling to lower their prices. Meanwhile, buyers remain gun shy about agreeing to any purchase without getting a deep discount.

Where Housing Is Headed
Track changes in housing markets across the country.
That dynamic has fueled buyers’ appetites for bank-owned foreclosures. Those homes often hit the market at bargain prices, but they are being snapped up by investors who are paying in cash.

At a focus group earlier this month, the mood among buyers was “nasty,” says Glenn Kelman, chief executive of Redfin Corp., a Seattle-based brokerage that operates in nine states. “There’s a shortage of attractive inventory,” he says. “Customers just keep getting outbid on the houses that they want.”

It took Susan Hunter just one month to unload her home in Redondo Beach, Calif., last fall. But she has been outbid on four homes at a lower price point in Eagle Rock, an emerging neighborhood in northeast Los Angeles. Some sold to investors who paid cash. Other listings, she says, are being resold by investors at prices that she says are too high.

“It’s the Wild West out here. It’s a daily, tireless search,” says Ms. Hunter, who works in television production and marketing. Demand is up because “we haven’t been able to find homes here below $500,000 since the 1990s.”

Last year, software engineer Young Hammack gave up looking to buy after being outbid on three properties. This year, he has his eye on a four-bedroom foreclosed house with a pool in Citrus Heights, Calif., that hasn’t yet hit the market. He hopes to pay about half the $492,000 it fetched six years ago.

But the 32-year-old, who is relying on a 3.5% down-payment mortgage backed by the government, is at a disadvantage against buyers who can pay cash. “It’s a false buyer’s market,” he says. “If you think prices are cheap, wait until you start putting offers in.”

Many buyers are looking for discounts because they lack confidence that prices have reached a bottom, and sellers won’t have much pricing power as long as buyers such as Mr. Hammack and Ms. Hunter are in no hurry. “It may take some time, but I’m willing to wait,” Ms. Hunter says.

The Wall Street Journal’s quarterly survey of housing-market conditions in 28 major metro areas shows inventories of unsold homes remain high but fell during the first quarter. Listings were down by nearly 25% from one year ago in Miami and Orlando, and by 12% in Phoenix and Portland, Ore., according to figures compiled by John Burns Real Estate Consulting.

Other markets, including New York’s Long Island and Charlotte, N.C., still face imbalances. At the current sales pace, it would take more than 16 months to sell all homes listed for sale in each market. A balanced market typically has a six-month supply.

Meanwhile, home values fell in every metro area for the second straight quarter, according to data from Zillow Inc. Prices were down by more than 5% in Chicago and Detroit, the largest quarterly drops, to levels not seen in more than a decade.

Values have fallen so far that many sellers with equity aren’t willing to drop their prices. Those without equity can’t cut the prices unless the bank agrees to take a loss in what is known as a short sale. Such sales can take months to complete and fall through at the last minute, deterring some buyers. Still, short sales hit a new high, accounting for 9% of all transactions in January, according to CoreLogic Inc.

“Frankly, until we start building some equity, the market is just going to sit here and do pretty much nothing for the next few years,” says Christopher Thornberg, a housing economist at Beacon Economics in Los Angeles.

Homes that don’t need much repair work and that are located in choice neighborhoods near transit hubs or with good schools are in demand. “What’s selling is the cream of the crop, and they sell fast,” says Steve Capen, a real-estate agent with Keller Williams Realty in St. Petersburg, Fla. “If it’s not cream of the crop, it’s getting hammered.”

Mike Morea and his family have outgrown the 800-square-foot, two-bedroom home he bought eight years ago in Seminole, Fla. He hopes the bank will approve a short sale for about $85,000 for a $50,000 loss. In December, Mr. Morea saw first-hand why buyers are more attracted to foreclosures: he bought one for himself, a $200,000 three-bedroom home in a nicer neighborhood 10 minutes away.

“That’s what every seller is running into,” says the 31-year-old police officer. “Nobody is going to buy your home at retail price if there are 30 foreclosures available.”

While foreclosures are in demand, mortgage companies’ processing problems have sharply curtailed the flow of bank-owned properties onto the market in states such as Florida, New Jersey and New York, where courts must process foreclosures.

To be sure, some of the challenges facing the housing market are easing as the economy adds jobs, boosting demand and easing mortgage delinquencies.Depressed prices coupled with low interest rates have made housing more affordable than at any time since 1975, according to Zillow.

But the legacy of the housing market’s collapse has left two big structural problems. First, the huge erosion in homeowners’ equity has deprived housing markets of the all-important “trade up” buyer. Even those with equity often aren’t willing to sell at current market prices, exacerbating what housing analyst Ivy Zelman calls the “stuck factor.”

Second, foreclosures are still weighing on housing markets. While mortgage delinquencies are down from their 2009 peak, an all-time high of 2.2 million loans were in foreclosure at the end of March, according to LPS Applied Analytics.

Economists say the “shadow inventory” of another 4 million potential foreclosures will keep a lid on prices for years. Even in markets with rising demand and falling inventory, prices won’t go up because “there’s too much on the horizon, so nobody’s in a hurry,” says Ron Leis, a broker in Sacramento, Calif.

Tighter credit standards have also left markets with fewer buyers at a time when more would help. When he needed to move into a bigger home four years ago, Todd Loewenstein sold his Redondo Beach home and began renting. “Now, we want to get back in, but it hasn’t happened,” says the 44-year-old technology entrepreneur.

He fell out of escrow one week before closing on an $850,000, three-bedroom home in October after the lender turned down his loan. Mr. Loewenstein, who was prepared to make a 20% down payment, says he has never missed a payment in his life and has enough savings to last several years.

But he wasn’t able to meet the bank’s tight income-documentation requirements. The home, which sold for $1.25 million in 2005, is still on the market. Mr. Loewenstein says he scans listings every day and is still looking to buy.

Write to Nick Timiraos at nick.timiraos@wsj.com

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Surprising Insider Secrets for the 5 Stages of Buying Your First Home

Buying a home is not a discrete event; it’s a process – a sequence of events that happens over time, sometimes over as long as several months or even years!  While general guides to buying a home are a dime a dozen, I’m excited to share with you some insider secrets you may not have heard elsewhere – one for each stage involved in buying a home. Here’s to helping you make the best decisions at every phase of your homebuying process!

Stage One: Deciding Whether It’s The Right Time to Buy. 
Insider Secret: The market is the least important factor you should consider when deciding whether and when to buy a home.
Why: Everyone knows affordability is at an all-time high.  Home prices are low, and so are interest rates. But trying to time the market is a fool’s errand; many who get caught up in that game of trying to make sure they buy at the absolute bottom will end up losing out on very, very favorable conditions.

Beyond that, the most important considerations when deciding whether and when you should buy a home are personal, not market driven. On today’s market, it only makes sense to buy a place if it’s going to be sustainable and work for you for at least the next 4-5 years [if your town’s real estate market has been fairly recession-proof] or 7-10 years [if the housing/foreclosure crisis has hit your area pretty hard].

Against this “smart holding period” backdrop, smart buyers decide to buy when it makes sense for:

• their life plans (i.e., they are comfortable making the commitment to live in the same town, and the commitment to )
• their family plans (i.e., whether they plan to get married, have children or empty their nest in the time they plan to own the home – and the implications of these plans on their space needs and location priorities)
• their career plans (including, but not limited to: whether they have job or income security, whether they feel they will be working in the same area for the foreseeable future, and whether they want to work less or start their own business in the months or years to come)
• their financial plans (including foreseeable changes in income and expenses, e.g., kids going to college or making partner at the firm).

Stage Two: Getting Pre-Approved.
Insider Secret: Working with a mortgage broker referred by your real estate broker or agent may save you money.
Why: Bolstered by the real-life stories of a couple of bad apples, TV pundits and some consumer advocates have spun the tale of a real estate industry cartel, whereby sinister agents hook unsuspecting buyers up with shady mortgage brokers, who place them in crappy loans and kick back some bucks to the agent. I’m here to tell you, in my experience, the opposite is true the vast majority of the time. 

When you work with a mortgage broker who has a strong track record of helping your real estate agent’s clients out, you end up in a best of all worlds situation, nine times out of ten. First off, your agent will take you much more seriously once a mortgage broker they know and trust has run your credit, checked your income and approved you for a loan, as well as communicated with your real estate pro about your qualifications and what you can afford.  Secondly, your agent can help you communicate with your mortgage broker, sometimes helping get past appraisal glitches or facilitating other workarounds, as they come up. Third, you get the assurance of working with a mortgage pro who has been vetted and vouched for by someone you not only trust, but someone who can verify that the mortgage broker has the ability to get transactions closed in the timely manner required of today’s real estate sales contract.  Otherwise, you may end up working with a competent mortgage broker who has a great track record when it comes to refinancing, but can’t keep up with the pace and common obstacles to getting a home financed in the context of a sale.

On top of that, sometimes the relationship can help you negotiate out of a couple of line item loan fees (if your particular mortgage rep has the power to get them down at all), if push comes to shove and cash is tight to close the deal.  Assuming you are working with a real estate pro you really trust, working with a mortgage broker they trust can save you, rather than cost you, money.

Stage Three: House Hunting
Insider Secret: “Distressed” doesn’t always equal “discounted” – in some cases, a “regular” sale can be a deeper deal.
Why: Short sales and foreclosures have grown to comprise roughly 30 percent of the homes sold on today’s market, even higher in some areas. The average sale price of foreclosed homes was 32% lower than the average sale price of non-foreclosed homes, at last count. However, it’s not always the case that foreclosed homes or short sales – homes which are being sold for less than what the seller owes on their mortgage(s) – offer the buyer a fabulous discount. 

Mortgage servicers and asset managers who make decisions about distressed properties are on the hook to their investors to recoup as close as possible to the current fair market value of every home they sell. Some banks even have a general rule of rejecting offers more than 10 percent or so below the home’s list price, preferring instead to reduce the price by that amount and put the home back on the open market to see if any new buyers are activated by the price reduction to make an offer better than the lowball offer that was initially put on the table.  On short sales, the bank is trying to get as close as possible to recovering what the seller owes – and may or may not be concerned with what the fair market value of the home is. (Nine times out of ten, there will be a big gap between fair market value and the seller’s outstanding mortgage balance. If there wasn’t, the seller wouldn’t need to do a short sale!)

With so many distressed properties and homes with depressed values on the market, in many areas, the individual, non-distressed home sellers who are putting their homes up for sale right now are those who are very motivated to sell. Further, they are more likely to be flexible with you on everything that is negotiable, from contingency and escrow periods, to price, to repairs and included items.

Also, individual sellers can be emotionally motivated to sell to move on with their lives, get into their bigger (or smaller) house, or move on to their next job; banks, on the other hand, aren’t people (!), so lack that emotional sense of urgency to get the properties sold, no matter how urgently you may think they should be trying to get rid of the foreclosed properties they own. (If you’ve heard the old advice that banks don’t want to be in the home-owning business, I can tell you this. That is true, in a very general sense, but now they are and will be – for a long time to come. They have no emotions, have no urgent need to sell or move, and are not willing to give houses away at pennies on the dollar to get out of it, no matter what those infomercial folks say.) 

Long story short: you can sometimes negotiate a better deal with an individual seller on a “regular” sale than with a bank on a distressed home sale. So, don’t limit your house hunt to foreclosures and short sales, if you’re looking for a good deal on your home.

Stage Four: Negotiations
Insider Secret: Your family and friends can cause you to lose your dream home.
Why: With so much information on the web and the news every day about the recession and the buyer’s market, everyone seems to be an armchair economist/real estate savant.  But much of that news is national and based on medians, averages and trends.  That is, it might not necessarily apply to every home on the market in every city, and more importantly, it might have nothing to do with “your” particular home.

When I was a little girl, my best friend’s grandfather would very carefully hand each of us a quarter, always doling it out with the sage admonition: “Don’t spend it all in one place.” We’d always smile, look at each other, then go ask our Moms for ten bucks apiece.  In the same vein, people who are not currently in the market for a home have no idea what an individual home should “go for.” If you tell your parents, church pals, or colleagues at work the blow-by-blow details of your offer, counteroffers, etc., you should expect to hear things like, “Oh, you’re paying way too much!”, “I think you should push them down another $10K,” or “You know, you’re in a better bargaining position than that.” And sometimes, taking that sort of advice will end up blowing your deal.  Work with your trusty real estate broker or agent to develop a smart strategy – with their experience in your local market – about what price and terms to offer.  Then keep working with them to manage and maintain realistic expectations as you proceed through negotiating the contract to buy your home.

Stage Five: Escrow, Inspections and Underwriting
Insider Secret: It’s critical that you attend your home inspections.
Why: When it comes to inspections, many first-time buyers expect that a home will either pass or fail.  Except in a few jurisdictions where the government imposes certain condition requirements for a home to be sold, the home inspection is more about educating you, the buyer, as to the details and nuances of the home’s condition than about seeing if the place hits a particular target for “good” or “bad” condition. 

Home inspectors don’t just look for things that need fixing, they also look to understand the home’s systems and features, as well as to point out areas that will require your ongoing maintenance, highlight emergency shutoffs and other need-to-knows, and indicating where you should have specialists further inspect items of concern. Many home inspectors create vivid, detailed electronic reports – some, complete with color photos. But that’s not enough!

If you’re physically onsite at the home during the inspections, the inspector can physically show you the shutoffs for water, gas and electric – and how to use them.  They can also point out, in person, any things that need repair, and give you some tips for maintaining the place in tip-top shape.  Also, in many states, the general home inspector is legally prohibited (vs. the pest, roof or other “specialty” inspectors) from issuing a written quote or bid for repairs, to avoid a conflict of interest where they’d try to fabricate flaws in the home to get the repair job. However, the repair costs are one of the most important things a smart buyer wants to know!

If you show up, many inspectors will give you a rough range it would cost you to do various repairs, or otherwise indicate to you whether the needed repairs are “big deal” or “$10 home improvement store” fixes; some will even give you a few references to contractors they trust. 

All around, you’ll get much more of the detailed information you need to know whether and how to move forward with the transaction if you should up in person to the home inspections, rather than just waiting for a copy of the report to come to your email.

Speaker provides inspirational keynote message for 2011

7 February 2011 by Stefan Swanepoel

The new business fable Surviving Your Serengeti: 7 Skills to Master Business & Life is the foundation of a new fascinating 90-minute talk titled “Safari of Self Discovery.”

A distracted couple embarks on a three-day visit to Africa. While the husband bemoans the lack of cell phone coverage and is consumed with worry about his business thousands of miles away, his wife becomes immediately immersed in life in the East African plains. Slowly they gain wisdom from the wild animals they encounter and they find themselves revisiting many perspectives they have on business and life. They had not realized that nature has so much to share if one is but willing to listen. By the time they board the plane home, they realize they have learned more about themselves they knew before. They saw people, problems and situations in a different light.

Ask yourself:

* Have you ever woken up one morning and just didn’t feel like facing the day?
* Ever worked with a manager or an employee that didn’t have the skills to something right?
* Do you have a friend or family member that just doesn’t get it?
* Do you have a dream that you wish to pursue but don’t think you will be getting there any time soon?

“You are not alone. Most of us have,” says Swanepoel.

“I don’t have your personal roadmap,” says Swanepoel, “but what I cab provide is an brand new method to discover the untapped skills and wisdom you already have, but may nit have maximized or even discovered.”

Surviving Your Serengeti may actually achieve just that as Swanepoel’s insights do come from having lived in five countries, going on 20 safari’s, serving as CEO managing seven companies and even heading up two non-profit organizations. Add in that Stefan is a gifted storyteller, an energetic presenter and a veteran with over 750 presentations over the last two decades and it’s time to buckle up for the safari ride talk of your life.

Read more: http://realblogging.com/stefan-swanepoel/inspirationalspeaker/#ixzz1EEUotXkc

 

Speed Up Foreclosures to Stabilize Housing?
The Federal Reserve and banks need to ramp up foreclosures to expose the shadow inventory that awaits, some real estate industry leaders say. Shadow inventory are homes that have been repossessed or are in the process of being foreclosed upon but have not yet hit the market.

About 2 million homes are expected to account for shadow inventory in the United States, yet that number could be higher — even up to 7 million — if you include loans that are in default.

The top five cities with the highest shadow inventory are Las Vegas, San Diego, Los Angeles, San Francisco, and Phoenix.

Some industry experts say that shadow inventory threatens the stabilization of home prices and is scaring buyers off.

Therefore, they argue that these properties need to get through the system quickly and that foreclosure moratoriums or any delays will only lead to pent-up release and damage home prices more, according to an article in National Mortgage News.

Source: “Why Foreclosures Could Stabilize Housing Market,” National Mortgage News (Jan. 21, 2011)

 

NACA
NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA WWW.NACA.COM
Bruce Marks CEO Headquarters: Boston, MA (888) 297-5568 OFFICES: ATLANTA, GA       (404) 377-4545 AUGUSTA, GA       (706) 855-7464 BALTIMORE, MD       (410) 783-0465 BIRMINGHAM, AL       (205) 942-8111 BOSTON, MA       (617) 250-6244 BUFFALO, NY       (716) 834-6222 CHARLESTON, SC       (843) 556-0497 CHARLOTTE, NC       (704) 536-7676 CHICAGO, IL       (773) 723-6222 CLEVELAND, OH       (216) 619-4110 COLUMBIA, SC       (803) 255-0223 DALLAS, TX       (972) 283-1171 DENVER, CO       (303) 694-5437 HAND, TX       (877) 952-6222 HOUSTON, TX       (713) 706-3400 JACKSON, MS       (601) 922-4008 JACKSONVILLE, FL       (904) 306-9272 KANSAS CITY, MO       (816) 531-6222 LAS VEGAS, NV       (702) 362-6199 LAWRENCE, MA       (978) 687-3993 LITTLE ROCK, AR       (501) 492-0083 LOS ANGELES, CA       (310) 412-2600 MEMPHIS, TN       (901) 348-0115 MILWAUKEE, WI       (414) 442-6222 MINNEAPOLIS, MN       (763) 656-6222 NASHVILLE, TN       (615) 781-4240 NEW HAVEN, CT       (203) 562-6220 NEW ORLEANS, LA       (504) 241-2090 NEWARK, NJ       (973) 679-2601 OAKLAND, CA       (510) 652-6622 PHILADELPHIA, PA       (215) 531-5221 PHOENIX, AZ       (602) 248-4408 RALEIGH, NC       (919) 855-8484 SAN ANTONIO, TX       (210) 826-2828 SPRINGFIELD, MA       (413) 788-6220 ST LOUIS, MO       (314) 645-8333 TAMPA, FL       (813) 287-5051 WASHINGTON, DC       (202) 328-6333	Versión en Español se encuentra al final: Dear Homeowners, NACA’s Save the Dream Tour is returning to Los Angeles after an incredibly successful event last October where thousands of homeowners achieved an affordable mortgage solution. We will be at the Los Angeles Sports Arena from Thursday January 20th through Sunday January 30th providing same-day affordable solutions. We will be there for eleven straight days with all the major servicers and investors. Everyone in California, Nevada and others who has not achieved an affordable solution should come. NACA Los Angeles Save-the-Dream Event: Location: Los Angeles Memorial Coliseum Sports Arena (3939 South Figueroa Street) Starts: Thursday January 20th at 8:00 a.m. Ends: Sunday January 30th at 8:00 p.m. Hours: 8:00 a.m. – 11:00 p.m. everyday (may go 24 hours a day to meet the demand) NACA is determined to achieve your affordable solution. This is your opportunity to get it done. We strongly recommend that you come from near and far, particularly if you are frustrated with your Lender/Servicer due to not getting a response, not getting an acceptable solution, not satisfied with your solution, being denied a solution, or other issues you have with your Lender. We expect many thousands of homeowners with an unaffordable mortgage to attend with thousands achieving same day solutions during the event. These NACA events have been incredibly successful and have become the only viable solution for large numbers of at-risk homeowners. Many homeowners have had their mortgage payments permanently reduced by over $500 a month and some by over $1,000 often with interest rates reduced to 3% or 2% and sometimes a principal reduction. All of NACA’s services are FREE. Bring your most recent 30 days of pay stubs or other verification of income (self-employed provide six months of bank statements). If you have been working with NACA, you should also access your Web-File to review the most recent updates and your next steps – Click here to review your Web-File. Los Angeles Outreach flyer – Click here to print or send flyer. Tell your family, friends, neighbors and co-workers. NACA provides the best solution to the mortgage crisis. You have everything to gain and nothing to lose – there is no cost and the major lenders and investors will be on site. Do not miss this opportunity to make your mortgage payment affordable! We look forward in assisting you in achieving your affordable long-term solution. FORWARD THIS ON YOUR FACEBOOK, MYSPACE, OR OTHER SOCIAL NETWORKING SITE Links about Save-the-Dream Events: NACA Video of Save-the-Dream events Media coverage of previous events Sincerely, NACA Management P.S. Do not miss this incredible opportunity. Tell your friends, family, co-workers and others. Homeowners with an unaffordable mortgage have everything to gain and nothing to lose. IT IS FREE! Remember from Thursday January 20th through Sunday January 30th at the Los Angeles Arena for eleven days. You can register via www.naca.com or call 888-499-6222 but it is not a requirement. Estimados Dueños de Casa, La Gira de NACA “Salve su Casa” regresa a Los Ángeles después del exitoso evento en Octubre pasado en donde miles de dueños de casa pudieron re-estructurar su hipoteca alcanzando un pago solvente. NACA va a estar en Los Ángeles Sports Arena desde el Jueves 20 de Enero hasta el Domingo 30 de Enero proveyendo soluciones solventes el mismo día. Estaremos en Los Ángeles por 11 días consecutivos con todos los mayores inversionistas y bancos hipotecarios. Todos en California, Nevada y otros estados que no hayan logrado un pago hipotecario solvente deben venir. La Gira de NACA Salve su Casa regresa a Los Ángeles Lugar: Los Angeles Memorial Coliseum Sports Arena (3939 South Figueroa Street) Comienza: Jueves 20 de Enero a las 8:00 a.m. Termina: Domingo 30 de Enero a las 8:00 a.m. Horas: 8:00 a.m. – 11:00 p.m. todo los días (dependiendo la necesidad, tal vez estaremos abiertos 24 horas al día) NACA esta determinado en lograr una solución permanente para usted. Esta es su oportunidad de lograrlo. Recomendamos fuertemente que vengan de todas partes, especialmente si esta frustrado con su Prestamista debido a que no ha conseguido una respuesta, no ha conseguido una solución aceptable, si no esta satisfecho con su solución, si ha sido negado una solución, o cualquiera que fuese la situación en que se encuentre con su Prestamista. Estamos esperando que asistan miles de propietarios que tienen hipotecas no solventes y que podamos ayudar a miles a lograr una solución permanente el mismo día durante el evento. Estos acontecimientos de NACA han sido increíblemente exitosos y han llegado a ser la única solución viable para muchos propietarios en peligro de perder su casa. Muchos propietarios han tenido sus pagos de hipoteca reducidos permanente por más de $500 por mes y para algunos ha sido más de $1.000, a menudo con tipos de interés reducidos a un 3% o 2% y muchas veces si es necesario han obtenido reducción de su principal. Los servicios de NACA son absolutamente GRATIS. Traiga sus pruebas de pago más recientes (últimos 30 días) u otra verificación de ingreso (trabajadores por cuenta propia deben traer seis meses de sus estados de cuenta bancarios). Usted debe también ingresar a su archivo electrónico para ver los mensajes más recientes y sus pasos a seguir – Presione aquí para ingresar a su Archivo Electrónico. Folleto del Evento en Los Ángeles – Presione aquí para imprimir o para enviar el folleto. Cuéntele a su familia, amigos, vecinos y compañeros de trabajo. NACA ofrece la mejor solución a la crisis hipotecaria. Usted tiene todo que ganar y nada que perder – no hay costo alguno y los prestamistas y inversionistas principales estarán presente. ¡No pierda esta oportunidad de tener un pago de hipoteca solvente! Esperamos verlo y asistirle en obtener una solución de largo plazo solvente. POR FAVOR COMPARTA ESTA INFORMACION EN SU FACEBOOK, MYSPACE, TWITER O EN CUALQUIER OTRO SITIO DE LA INTERNET Y DELE LA OPORTUNIDAD A ALGUIEN MAS DE SALVAR SU CASA. Enlaces sobre los eventos, Salvando Sueños con NACA: Video del Evento Salve Su Casa. Reportajes de los eventos anteriores. Sinceramente, La Gerencia de NACA. P.S. No se pierda esta increíble oportunidad. Dígaselo a sus amigos, compañeros de trabajo y otros que se puedan beneficiar. Dueños de casa con pago de hipoteca no solvente no tienen nada que perder y mucho que ganar. ¡ES ABSOLUTAMENTE GRATIS! Recuerde estaremos en Los Ángeles Arena desde el Jueves 20 de Enero hasta el Domingo 30 de Enero, por 11 días corridos. Para registrase visite www.naca.com o llame al 1-888-499-6222 (pero no es un requisito registrarse)