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Posts Tagged ‘loan modification’

Dream Big Real Estate Blog has moved!

Hey Gang!

We wanted to alert you about our brand-new Dream Big Real Estate Blog, which officially launches today. You can find it at:


http://www.dreambigrealestate.com/riversiderealestate/.

 

We’re excited about the new format, which matches our unparalleled real estate website.

Check us out and drop us a line to tell us what you think!

– Brian

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Distressed Homeowners: Focus on the Numbers, not the Distractions

THE FOLLOWING ARTICLE APPEARED JAN. 23, 2011,
IN THE RIVERSIDE PRESS-ENTERPRISE

Homeowners having difficulties making their house payments face a confusing and treacherous path.

But committed to finding the right direction and guided by skilled advisers, they can emerge from their misfortune with dignity and financial future intact.

And they can re-enter the housing market while prices are still at the bottom.

Amid threatening lender phone calls and letters, and “experts” knocking on their doors and filling their mailboxes and front steps with free offers to help, finding the right path is critical.

So how do people caught in the whirlwind of noise and promises and distraction find the best solution to their problems?

It’s simple: They stay focused on the numbers.

The Best Deal

Despite what many consumers think, banks do not want to foreclose on any more homes.

Banks always look at the numbers, and statistics prove that foreclosure almost always nets the bank less money than other options available to a distressed homeowner.

The bank will foreclose if it has to, but usually only because homeowners don’t address their problems correctly or quickly enough.

In 2010, banks took back more than 1 million properties, according to online foreclosure marketer RealtyTrac. And they recorded nearly 4 million foreclosure filings on almost 3 million properties last year. All of those numbers were record highs.

But in the meantime, lenders also continued to streamline other solutions for distressed homeowners.

Loan Modifications

Banks do not like loan modifications. Why? Because of the numbers. Though permanent loan-mod approvals increased in the past year, success remains well below 25 percent, and re-default rates are well above 50 percent in the first nine months following a modification.

“Trial modifications,” however, have been a boon for banks. While modification applicants undergo a 90- to 180-day test period at a reduced house payment, the lender continues to collect money on a loan that previously was in default.

Some banks have been accused of approving trial modifications for applicants even though the applicants had zero chance of permanent approval. Meanwhile, the foreclosure process runs concurrently. And all too often, on the heels of a modification rejection letter comes a notice of foreclosure sale.

Short Sales

Banks love short sales because they almost always net a larger profit than if the bank is forced to foreclose on the homeowner.

The time and cost to foreclose, evict, take possession, repair, market and sell a property can mean an 8 percent to 12 percent decrease in the bank’s bottom line. Once considered “short” if completed in less than 12 months, short sales now can legitimately be negotiated in 45-60 days with another 30 days to close the transaction.

But they still can carry heavy consequences if not handled correctly by a seasoned negotiator who knows how to prevent banks from pursuing the homeowner for more money later.

1st vs. 2nd

Banks will pursue homeowners for the “deficiency” – the difference between what was owed and what the bank received – whenever possible.

As of Jan. 1, it is now unlawful in California for a lender in first position to pursue or collect a deficiency after a short sale on residential property, regardless of whether the owner lived in the property, even if the loan was a refinance. This law does not address loans in second position.

Some 2nd TD lenders still have the right and ability to go after a homeowner after a foreclosure. And that can be the obstacle that prevents a short sale – if the numbers don’t make sense for the bank.

In those cases, a seasoned and skilled negotiator may be the only solution to move forward without liability for the homeowner.

California is a non-recourse state and prevents a lender from seeking a deficiency judgment after the most common form of foreclosure.

Do Your Numbers Add up?

Homeowners who focus on the numbers and avoid the distractions can begin the process of finding the best solution to their problems.

The first step is find a proven real estate professional to help guide them through their options.

For a free evaluation to determine if a loan mod, deed-in-lieu, short sale or one of the many other alternatives is right for you, call 951-778-9700 today. There is no obligation. Or, for a free copy of the Brand-New Special Report, “9 Alternatives to Inland Empire Foreclosure,” call 1-800-941-1900, ext. 9003; email PE@DreamBigRealEstate.com, or visit www.DreamBigRealEstate.com.

(Brian Bean and Timothy Hardin are Realtors and Ambassadors for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. They can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean and Timothy Hardin
Real Estate Professionals
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers

 

ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.
 

 

Henry David Thoreau

HAFA Program falls woefully short …

THE FOLLOWING ARTICLE APPEARED DEC. 18 IN THE P-E

By Brian Bean & Tim Hardin

Banks completed just 342 short sales through the Home Affordable Foreclosure Alternatives program in the first six months, according to a report from the Special Inspector General for the Troubled Asset Relief Program.

HAFA launched April 5 and was designed for homeowners to short sale a home and avert foreclosure if they couldn’t complete or qualify for a loan modification through the government’s Home Affordable Modification Program. Through Sept. 30, the Treasury Dept. paid out $1.6 million in TARP funds to banks, investors, servicers and homeowners on 342 short sales or deeds-in-lieu of foreclosure, according to Treasury data in the SIGTARP report.

Banks and servicers dispute the results but thus far have not produced their own HAFA numbers. Servicers canceled 699,924 HAMP trial modifications as of September and another 29,190 permanent modifications, according to an October report from HousingWire.

HAFA guidelines provide $1,500 to a servicer for a completed HAFA short sale, and the lender cannot pursue the borrower for the remaining loan balance. The investor also receives $1 for every $3 it allows to compensate a junior lien holder, up to $2,000. Junior lien holders can receive a maximum of $3,000 each. The borrower receives $3,000 for “relocation.”

In the Inland Empire, junior lien holders often derail HAFA transactions because the program severely limits their compensation while requiring lien holders to waive the deficiency balance. The government program, despite what many believe, is not mandatory.

For information about the realities of HAFA and HAMP, call 951-778-9700 or email PE@DreamBigRealEstate.com.

* * *

MLS Home Sale Data

Here are monthly sales statistics for Riverside-San Bernardino single-family residences. The data is reported by CRMLS, the regional database Realtors use to market properties for sale and lease and to track sales activity. Sales data, which is updated by individual brokers, can change.

SOLD

November 2010

Riverside County: 2,463

San Bernardino County: 1,466

October 2010

Riverside County: 2,554

San Bernardino County: 1,560

November 2009

Riverside County: 2,823

San Bernardino County: 1,628

IN ESCROW

Dec. 15

Riverside County: 7,443

San Bernardino County: 4,175

ACTIVE LISTING

Dec. 15

Riverside County: 12,730

San Bernardino County: 7,448

(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean
Real Estate Professional
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers


ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.
 

 

Henry David Thoreau

Nearly 1 in 2 Riverside-San Bernardino homes underwater

November 11, 2010 1 comment

Nearly 1 in 2 homes in the Riverside-San Bernardino metropolitan area is worth less than the money owed on it, according to data released this week by online real estate data provider Zillow.

Nationwide, nearly 1 in 4 (23.2 percent) homes had mortgages that were underwater in the third quarter of this year, up from 22.5 percent in the second quarter, Zillow reported. In the Inland Empire, 48.1 percent of homes are underwater.

Zillow also indicated U.S. home values decreased 4.3 percent to $179,900 in the third quarter from the previous year, while values remained flat at $193,300 in the Riverside-San Bernardino metropolitan area. Home values have dropped nearly 25 percent nationwide, according to Zillow, but 52 percent in the Inland Empire.

“The high percentage of homeowners in negative equity continues to be troubling, in that it represents a huge number of people who are not only more vulnerable to foreclosure, but who are essentially trapped in their current homes and are prevented from selling and buying a new home,” Dr. Stan Humphries, Zillow’s chief economist, said in a press release. “This has profound implications for future demand and will be a millstone around the neck of the housing market.”

More than 3 out of 4 metro areas in the United States saw home values decrease in the third quarter, including the largest cities in California, which saw drops after several months of value increases, Zillow reported. The numbers seem to indicate what many experts have been predicting — that the real estate market could continue to fall.

“While not unexpected, the unceasing declines in home values signal that we’re in for a long, bleak winter of continued troubles for the housing market,” Humphries said. “The length and depth of the current housing recession is rivaling the Great Depression’s real estate downturn, and, with encouraging signs fading, will easily eclipse it in the coming months.”

Homeowners in Southern California continue to face tough times ahead, and it’s more crucial than ever to have accurate information. People who have missed mortgage payments or are at risk of missing them in the future have options to avoid a foreclosure, which could financially devastate a family for 7-10 years.

For a free report on those options, contact our office.

(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean
Real Estate Professional
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers

ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.

Henry David Thoreau

Bank of America Halts Foreclosures in all 50 States

Bank of America has extended its freeze on home foreclosures to all 50 states as it sorts out the claims that homes have been taken without property documentation and processes.

That’s great news for homeowners facing sale dates and still struggling with loan mods and short sales. The delay, even if it’s only a few weeks, could be the extra time necessary to complete their current deals.

“We have a lot of people raising questions,” Bank of America Chief Executive Officer Brian T. Moynihan told Bloomberg News on Friday in an interview in Washington before a scheduled speech to the National Press Club. The review “will take a few weeks” and is an effort “to clear the air,” he said.

Here is a link to the report at Bloomberg.com.

Bank of America, JPMorgan Chase & Co. and Ally Financial Inc. previously put moratoriums on foreclosures in 23 states after allegations arose about “robo-signings” of foreclosure paperwork without proper authority. Bank of America is the first company to extend the ban to the entire nation. Many are calling on all banks to follow suit, and it’s likely many will follow through.

This is a short window of opportunity for short sale agents to push through deals that are near foreclosure.

(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean
Real Estate Professional
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers

ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.

Henry David Thoreau

Short Sales: When Good is the Enemy of Great

Realtor Magazine posted an article today on its website following a seminar earlier this week at the California Association of Realtors Expo in Anaheim.

Kathy Mehringer, director of risk management for the Southern California region of Coldwell Banker, gave three tips for agents to negotiate short sales. It was good information, but like so many things in life, good is the enemy of great.

The tips, detailed below, were on target but not a bull’s eye. These days, with so many distressed homeowners in need of help, with the banks changing their strategies and policies on a daily basis, with such high stakes in play, we agents need to have better aspirations than just “good.” We must be Great short sale negotiators. We must have Outstanding escalation techniques. And we must have Superior skills, endurance and patience.

Here is the link to the article. And here, in brief, are the tips offered:

“1. Don’t give up. When a lender turns down your short sale offer, do not view that as the final answer. Too many real estate professionals assume that a firm ‘no’ from a lender means they’ll never accept a short sale on that home. ‘You can’t see “no” as an answer — see it as an opportunity,’ Mehringer said. Follow up by asking the lender: ‘What will you accept? What can I do to make this offer better?’ Remember, the lender is supposed to get the highest price for the bank; ‘no’ is merely the beginning of negotiations.”

Great tip! Never quit. Too many agents take the first answer, when in fact, “No” really means “Not Now.” We have had to escalate as many as six times to get deficiency-waiver verbiage inserted into a short sale approval letter. What if we had stopped at five?

I would add this: Mindset and posture are critical in this dance. A short sale agent automatically takes a subservient role in the negotiation by asking: “Well, what will you take?” If you know the numbers, then you know whether this transaction makes more financial sense as a short sale vs. a foreclosure. The numbers are your foundation and you can be 10 feet tall and bulletproof with that information. So use it.

The question isn’t, “what will you take?” The issue is getting the right message to the right person inside the bank. Chances are, the person who told you your offer or term was rejected isn’t the person you need to be talking to anyway. Escalate it and stick to the facts.

“2. Earn their trust. Lenders don’t always trust real estate professionals when it comes to short sales negotiations. Mehringer has learned the reason for much of their distrust: They believe listing agents put a home on the market for a significantly lower price than what it is worth and then waste their time by submitting a ridiculously low offer and present it as the best possible offer for the home. ‘Lenders think you underprice short sales,’ Mehringer said. ‘We need to show them that we are trustworthy and properly demonstrate the value of the property.’ After all, your job when representing a seller — even in a short sale transaction — is to work to get the highest and best possible terms for your seller, she told attendees.’ “

I disagree. My fiduciary duty is to liquidate the property and mitigate the financial damages to my client to the best of my ability. When I do my job well, I will earn Respect from the short sale lender, and that will help move my file through the process.

Yes, low-ball offers are less effective, unless you are working the investor angles. Personally, I don’t, unless there are no other offers. But we are on the streets and know our market values better than someone in a basement in Dallas. One bad or lazy BPO agent can blow a deal and reap financial devastation on a seller. So, Tip #2b: Make sure you meet the BPO agent at the property and provide them with comps and a little history. (No, I didn’t say slip her a Benjamin.)

You want to establish trust? Start with yourself, and then move on to your client.

“3. Lose the low-level clerk mentality. Mehringer said that she often hears from real estate professionals that the lender isn’t cooperating. But how is your behavior toward them? Telling the lender such things as ‘if I don’t have an answer by 5 p.m. today, the buyer will walk’ is not going to work in closing a short sale faster but will serve as a turnoff, Mehringer said. ‘You will get more by being nice to people,’ Mehringer said. ‘And being nice doesn’t mean that you have to be a push over either. Always be professional and courteous in your contact with lenders. Also, realize that a short sale is optional for a lender. ‘It’s a business decision,’ Mehringer said. ‘A lender may elect to cooperate to save the expense and time of foreclosure … but it’s purely a business decision — it’s an algorithm.’

Right on!

Be professional and be nice. You can build relationships on one transaction that will pay dividends on several others. We’re talking about people in a machine working for peanuts. With chips on their shoulders over the perceived massive commissions we make. You’d be bitter, too.

So overall, these are pretty good rules of the road for a short sale agent. But something is missing.

Tip #4 (probably should be #1): Know The Numbers. If you have ever played poker then you may have experienced the rush of knowing what the other player has in his hand and knowing that he can’t possibly beat what you have. Short sales are easier because you can know that in EVERY TRANSACTION. You just need to have access to the right tools and keep your head in the game.

Every short sale IS put through an algorithm at the bank. What if you had the same program they use? What if you knew before there was even an offer what the bank’s bottom line would be? It could help you price a property. Heck, it could even help you determine whether you wanted to take on that listing!

These tools and strategies are out there. Many agents just don’t know about them, and that is a shame.

Because there are just too many people in need of our help Right Now. And the stakes really are too high to be just good. We have to be great at what we do.

(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean
Real Estate Professional
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers

ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.

Henry David Thoreau

California bans Deficiency Judgments on all residential 1st TDs!

Gov. Schwarzenegger last week signed a bill that prohibits a lienholder from pursuing a homeowner for the deficit after a short sale, even on refinanced mortgages.

Senate Bill 931 (Denise Ducheny, D-SD), which was unanimously approved by the Senate in August, was signed into law on Sept. 30 and takes effect Jan. 1, 2011. The bill does not cover 2nd TDs, though California is a one-action state, so if a homeowner has two loans from one lender, they may indeed be protected (check with your attorney for clarification).

The new law, Civil Code 580e, states, ” (a) No judgment shall be rendered for any deficiency under a note secured by a first deed of trust or first mortgage for a dwelling of not more than four units, in any case in which the trustor or mortgagor sells the dwelling for less than the remaining amount of the indebtedness due at the time of sale with the written consent of the holder of the first deed of trust or first mortgage. Written consent of the holder of the first deed of trust or first mortgage to that sale shall obligate that holder to accept the sale proceeds as full payment and to fully discharge the remaining amount of the indebtedness on the first deed of trust or first mortgage.

“(b) If the trustor or mortgagor commits either fraud with respect to the sale of, or waste with respect to, the real property that secures the first deed of trust or first mortgage, this section shall not limit the ability of the holder of the first deed of trust or first mortgage to seek damages and use existing rights and remedies against the trustor or mortgagor or any third party for fraud or waste.

“(c) This section shall not apply if the trustor or mortgagor is a corporation or political subdivision of the state.”

This new law is huge for distressed homeowners who have met resistance with President Obama’s HAFA program, which also provides protection against deficiency judgments from lenders. Though California is a non-recourse state, lenders frequently attempt to insert verbiage into short sale approval letters that would allow them to pursue a seller later for the difference between what the lender received and what was owed, even on non-recourse loans. This new law would now prevent that activity.

Last week, the governor vetoed a bill that would have expanded non-recourse protections for non-cash-out refinances for California homeowners, and many people ripped him for it. Including me. Glad to see the governor taking action to protect his constituents in these very difficult economic times.

To show you support for the governor’s actions, here is his contact info:

Governor Arnold Schwarzenegger
State Capitol Building
Sacramento, CA 95814
Phone: 916-445-2841
Fax: 916-558-3160
email: http://gov.ca.gov/interact#email

We are part of Helping A Million Homeowners, a nationwide organization of brokers who want to make a difference in today’s economy. If the market is going to get back on it’s feet, it’s going to be because real people help families avoid foreclosure through short sale or loan modification.

If you are facing difficulties with your home, contact us today and we’ll explain your options to avoid foreclosure.

(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@DreamBigRealEstate.com.)

Brian Bean
Real Estate Professional
www.DreamBigRealEstate.com
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com

Short Sale Genius Elite

I’ve been specially trained to negotiate short sales with an emphasis on Deficiency Waivers

ACTIVE RAIN - Dream Big Real Estate and Inland Empire Short Sale Pros Blog Dream Big Real Estate and Inland Empire Short Sale Pros Blog FACEBOOK - Dream Big Real Estate and Inland Empire Short Sale Pros TWITTER - Dream Big Real Estate and Inland Empire Short Sale ProsLINKEDIN - Dream Big Real Estate and Inland Empire Short Sale ProsRSS FEED - Dream Big Real Estate and Inland Empire Short Sale Pros BlogSTUMBLE UPON - Dream Big Real Estate and Inland Empire Short Sale Pros SEND EMAIL to BRIAN BEAN @ Dream Big Real Estate and Inland Empire Short Sale Pros YAHOO PULSE - Dream Big Real Estate and Inland Empire Short Sale Pros GOOGLE BUZZ - Dream Big Real Estate and Inland Empire Short Sale ProsDIGG - Dream Big Real Estate and Inland Empire Short Sale Pros

If one advances confidently in the direction of his dreams,
and endeavors to live the life which he has imagined,
he will meet with a success unexpected in common hours.

Henry David Thoreau