Many homeowners are facing the unfortunate reality of owning a home worth less than what they owe on their mortgage. Others are struggling to make their payments due to economic hardships or resets in their adjustable-rate mortgages. I believe the best solution is for homeowners in these situations to seek the guidance and expertise of an educated real estate professional. This section of the website was designed to be a source of information to educate homeowners about the short sale process and other options to avoid foreclosure. You will find information and details of multiple government programs and laws that have been put into effect to help you - the homeowner. Please use this website as a starting point to educate yourself, and please, contact me if you have any questions.

Mission: To educate homeowners who are behind on their mortgage payments in a manner that is easy to understand. To be a source of information and starting point that allows homeowners to learn about:

   1) How to sell your home for less than what you owe on the mortgage and lessen credit impact

   2) The details and success of government sponsored programs that help homeowners avoid foreclosure

   3) Recent foreclosure news, California Civil Code and state laws that affect homeowners in default.