|
NEW CENTURY
626.789.0159
Free Web Site
for your
Rental Properties!
|
|
|
From The Desk of Rudy L. Kusuma January 8, 2012
Team NuVision Foreclosure Prevention Unit
COLDWELL BANKER NEW CENTURY
960 East Las Tunas Drive
San Gabriel, California 91776
RE: Group / Employee Benefits for Today's Economy
As an employer, have you ever:
* Had an employee take time off work for personal financial related issues?
* Lost productivity because of an employee's loss of focus on the job?
* Had employee facing foreclosure?
If you answered yes to any of these questions, we may be able to help.
With Team NuVision Foreclosure Prevention Unit, your employees will have direct access to a foreclosure prevention consultant. We not only provide counsel, we'll work to avoid foreclosure for them. This leaves them free to focus on their job, not their problems.
Please complete the short "group benefit analysis" form below; I would like to schedule an appointment to show you how our program can help you save money in terms of employee absenteeism, reduced productivity, and increased health insurance costs.
P.S. Schedule a group presentation today for our 2012 Special Group Financial Fitness Party - free lunch for everyone in your group and free DVD player raffle giveaways!
Sincerely,
RUDY L. KUSUMA
Certified Distressed Property Expert®
Sr. Group and Employee Benefits Specialist
|
Group Benefit Analysis Form
Please complete this form to schedule an appointment with me
|
Chances are, you or someone you know is facing the possibility of foreclosure. But you need to understand that you are not alone.
Today, nearly 1 out of every 5 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.
Through my experience handling distressed properties, I've found that homeowners today have more questions than answers about their circumstances. I have created this 'group and employee benefits program' to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.
As an agent with the CDPE® Designation, I have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.
I am here to help … in any way I can.
RUDY L. KUSUMA, CDPE®
Licensed by California Department of Real Estate
CA DRE# 01820322
|
|
Recent News
January 12, 2012 UPI Business News
U.S Foreclosures Expected to Rise in 2012
"Foreclosures were in full delay mode in 2011, resulting in a dramatic drop in foreclosure activity for the year," said Brandon Moore, chief executive officer of RealtyTrac. "The lack of clarity regarding many of the documentation and legal issues plaguing the foreclosure industry means that we are continuing to see a highly dysfunctional foreclosure process that is inefficiently dealing with delinquent mortgages -- particularly in states with a judicial foreclosure process. "There were strong signs in the second half of 2011 that lenders are finally beginning to push through some of the delayed foreclosures in select local markets. We expect that trend to continue this year, boosting foreclosure activity for 2012 higher than it was in 2011... Read More.
December 6, 2011 BusinessWire 09:06AM est
MetLife White Paper Finds Employee Financial Wellness A Growing Global Concern For Employers
As the effects of the recent financial crisis continue to be felt across the globe, financial stress is an issue for both women and men. MetLife’s 9 th Annual Study of Employee Benefits Trends found that 58% of employers state that financial “illness” plays a role in employee absenteeism and 78% said that concerns over financial problems while at work can have a negative impact on employee productivity. And it has been estimated that 15% of workers are experiencing stress from their poor financial behaviors to the extent that it reduces their job productivity.
December 3, 2011 BusinessInsider
Home Prices Will Continue to Plunge. And 2013 Will Be The Worst Year for Foreclosure in History
Michelle Meyer, the well-known housing analyst for BofA/ML, has some bad news: The housing crisis isn't over. In fact, in her 2012 outlook piece, she says it's "far from over" and that prices still have another 7% to decline nationally.... Read More
November 10, 2011 CNNMoney 5:42AM est
Real Estate Foreclosures On The Rise Again
Foreclosure filings were reported on 230,678 properties nationwide in October 2011, a 7% increase from September, reported RealtyTrac, an online marketplace for foreclosed properties... Read More
Beware of Loan Modification Scams
Loan modification scams are a growing problem across the country. Homeowners facing foreclosure are losing their money – and their homes – to loan modification scams. Information is your best defense. If you see the signs of a scam and know the facts, you can protect yourself... Read More
December 17, 2010
California's housing market slows in November
The median home price falls 2.3% from a year earlier to $255,000. Statewide sales decline 3.9% from October and 12.4% from November 2009. California's housing market slowed in November, with both sales and prices falling. Some economists predict further declines next year if more foreclosures hit the market and the job engine remains sluggish... Read More
December 17, 2010 01:00am est
Few take advantage of rescue program
Just $4 billion of the $30 billion budgeted for the U.S. Treasury Department’s flagship foreclosure-prevention effort, the Home Affordable Modification Program, is likely to be spent, and only a fraction of eligible homeowners will be assisted by the program, according to a report issued Tuesday by the Congressional Oversight Panel... Read More
December 17, 2010 8:51am
22 Foreclosure Activists Arrested at Chase Bank in Downtown Los Angeles
In addition to the courts, the state Attorneys General and investors wanting to put back soured mortgages on them, the banks have had to increasingly contend with direct action at their worksites. Yesterday in downtown Los Angeles, 22 activists, including the head of SEIU Local 721 and members of ACCE (the Alliance of Californians for Community Empowerment), were arrested outside a Chase bank for protesting the foreclosure crisis... Read More
December 16, 2010
Foreclosures fall by record amount in November as lenders put brakes on
But experts say the lull is probably only temporary. Southern California housing sales also weakened last month, dropping 15.5% from a year earlier. Foreclosure activity fell by a record amount in November as U.S. lenders put the brakes on repossessions after the uproar over faulty foreclosure practices this fall. But experts said the lull was probably only temporary, and home prices could take a hit early next year as banks begin foreclosing again at a faster clip... Read More
December 15, 2010
Housing recovery could take nearly a decade: BofAML
Analysts project home prices to fall another 5% through the first half of 2011 because of slow jobs growth and the residual effects of the foreclosure fiasco that plagued the industry in 2010. And BofAML expects the foreclosure problems to weigh on the space for the next several years.Home prices will be hurt by the nearly 2.3 million mortgages BofAML expects to wind up as distressed sales over the next year and half. Still, there is another 2.2 million of seriously delinquent mortgages and roughly 3.8 million homes for sales... Read More
December 9, 2010 3:05am mst
Colorado AG Suthers alleges five men deceived homeowners facing foreclosure
Colorado Attorney General John Suthers has filed lawsuits against five people and three businesses accused of defrauding 40 homeowners of about $1.4 million in equity through deceptive foreclosure rescue schemes. The civil lawsuits announced Wednesday allege that consumers facing foreclosure were approached by the defendants with a proposal to save their homes.... Read More
August 12, 2010 11:30am
Foreclosure Activity Increases 4 Percent in July
RealtyTrac®, the leading online marketplace for foreclosure properties, today released its U.S. Foreclosure Market Report™ for July 2010, which shows that foreclosure filings — default notices, scheduled auctions and bank repossessions — were reported on 325,229 properties in July, a nearly 4 percent increase from the previous month but a nearly 10 percent decrease from July 2009. One in every 397 U.S. housing units received a foreclosure filing during the month... Read More
August 4, 2010
3 Southern Californians accused of running foreclosure rescue scam
The suspects allegedly used phony bankruptcy filings to stall foreclosures of nearly 1,500 homes, involving $750 million in mortgages. Federal prosecutors have accused three Southern California residents of running a massive foreclosure rescue scam that used phony bankruptcy filings to stall foreclosures of nearly 1,500 homes, involving $750 million in mortgages. The three suspects allegedly found homeowners on the verge of foreclosure and promised to ward off the proceedings for fees usually amounting to $1,500 a month... Read More
April 15, 2010 2:26pm et
Foreclosure rates surge, biggest jump in 5 years
LOS ANGELES — A record number of U.S. homes were lost to foreclosure in the first three months of this year, a sign banks are starting to wade through the backlog of troubled home loans at a faster pace, according to a new report. RealtyTrac Inc. said Thursday that the number of U.S. homes taken over by banks jumped 35 percent in the first quarter from a year ago. In addition, households facing foreclosure grew 16 percent in the same period and 7 percent from the last three months of 2009... Read More
February 14, 2010
Facing Foreclosure? Beware of 'Loan Modification' Scams
Dishonest Lawyers - Zulma Navarette was convinced to pay an attorney $3,495 to get her loan modified, but she ended up losing her money. Navarette’s situation highlights another problem: attorneys getting involved in loan-modification scams. Many state laws prohibit charging upfront fees for loan modification services, but those same laws exempt attorneys. “Unfortunately, what that means is these companies are getting lawyers to be their frontmen,” says Lynn Armentrout, director of the foreclosure project at the City Bar Justice Center, the nonprofit arm of the Association of the Bar of the City of New York. “There are a lot of dishonest lawyers out there.” ... Read More
September 4, 2007
Workers' Financial Stress May Hurt Productivity
The financial stress piling up on employees due to an increase in home foreclosures and defaults on credit cards is having an impact on the workplace, potentially draining productivity and increasing emotional stress on the job. Major employee-assistance counselors serving Fortune 500 companies are reporting a surge in calls from employees worried about mortgages and finances. Ceridian, a Minneapolis-based provider of employee counseling services, typically gets several hundred calls a month from employees seeking financial counseling. From June to July, it saw a 50% increase in calls for financial advice..... Read More
|
|
"The financial stress piling up on employees due to an
increase in home foreclosures and defaults on credit
cards is having an impact on the workplace,
potentially draining productivity and increasing
emotional stress on the job." - USA Today
Money woes can take a severe toll on employees.
When asked what kept them awake at night, 38% of employees
said they are concerned about being able to pay for basic necessities
in retirement, according to a survey by The Principal Financial Group. Nearly half are anxious about enjoying the same quality of
life they now have.
Nearly 3 out of 5 employees say they're worse
off financially this year, according to an August
survey by ComPsych. Just 16% said they are better off,
with more savings and less debt.
"Financial stress is probably the No. 1 stress that gets
people to fail ... People are preoccupied and not
being as productive..." - Arkadi Kuhlmann, CEO, ING Direct.
"Financial worries can manifest themselves
in the workplace as employees moonlight to pick up extra money,
or can cause anxiety, depression, absenteeism and
productivity problems that affect the bottom line"
- Jonathan Hefnet, Manager, Legal & Financial Counseling Services for Ceridian.
"There is a connection between emotions and
finances... Employees are calling about the mortgage crisis
and financial squeeze. They're very anxious.
We're hearing a lot more concern about foreclosure.
It can have a real significant (impact) at work..."
- Jonathan Hefnet Interviewed by Stephanie Armour, ABC News.
|
|
|
My Satisfied Clients...
Find Out What My Satisfied Clients Are Saying!
Proven Experience... Proven Results!
Yes it is important to verify the professional abilities of an agent before you hire one to help you sell or buy a home.
The only way to guarantee expertise is to hear directly from people who have had personal experience with the agent.
Below you'll find several testimonies from clients to whom I have had the pleasure of serving.
No Other Realtor Comes Close
"Selling a home today takes more than just hiring any agent. It takes more than giveaways and tricks to get a house sold for top dollar. It requires hiring a professional agent with a solid marketing plan who works harder, longer, and smarter than the competition... Rudy has a 30-day marketing plan to sell your house fast at top dollar" - Ms. Wen, San Gabriel
click here for original source Zillow review page
"Rudy is a very energetic and enthusiastic person who loves what he does and is fun to work with. I found his knowledge and skills to be impressive and have learned much from him through the sale of this property and purchase of a couple others. He is a person of integrity and sincerely enjoys helping others. I would highly recommend Rudy to anyone and everyone and know I will be working with him on my future deals" - John O'Dowd, Orange County, CA.
click here for original source Zillow review page
"Rudy helped short sale my investment house in San Bernardino. In the current market condition and difficulty in short selling a house, Rudy managed to do the impossible with my property in San Bernardino. This property is located in as tough a neighborhood as one can imagine, but Rudy managed to skillfully bring all the different players on the same wagon and get the wheels rolling. Top notch negotiation skills with 1st and 2nd lender caving in to our requests and demands. I am not sure any other realtor can do what he just successfully did for my house. He is THE Short Sale Master! Awesome work!" -Ian, Rancho Cucamonga, CA.
click here for original source Zillow review page
"Rudy is honest and sincere. He's an Excellent choice to represent you in any transaction!!!! He processes great expertise, Great Knowledge of the market with immediate responses to any of your concerns! Great realtor to have in every buyers' pocket, a Must have in any buyer or seller's mind!!!!" -Francis Lam, Santa Ana, CA.
click here for original source Zillow review page
"The short-sale process can be filled with highs and lows, nail-biting waiting periods and mad dashes for data and documents, along with the full spectrum of emotions. Fortunately, in Rudy you have a business partner who understands all the processes and timelines and who is so committed to customer service that he becomes a friend. Rudy is there to explain, encourage, cajole, and advocate. He never loses sight of the end objective and he will work tirelessly on your behalf. I frankly cannot imagine how I would have gotten through this without him. He is truly remarkable!"
- Thomas LaFrance, Eagle Rock, CA.
click here for original source Zillow review page
"Buying a first home could be an overwhelmed experience but Rudy helped a lot throughout the whole process. His knowledge is second to none and he explained all the information that we need prior to the purchase. He is very skillful and helpful. He makes the buying process so breeze and almost hustle free. We are very satisfied with the service that he provides. Thank you so much for your dedication to provide an excellent service. We will recommend him to our family and friends who is in the market for home purchasing. Thank you Rudy!" -Lucas T, Chino, CA.
click here for original source Zillow review page
"Buying a home in this area was a long and arduous process for us. Rudy and his team made it possible. He has a wealth of information and expertise in dealing with a myriad of different sellers and agents. With a long vacation lined up on our end, Rudy had his dateline. It was an unforgettable day when he handed us the key to our very own house! Thank you, Rudy for an excellent work!" -John H., San Gabriel, CA.
click here for original source Zillow review page
"Rudy is very knowledgeable and skillful in the field. He is also a very helpful person. Overall, I'm very satisfied with his service and most likely i will use his service again for my next real estate deal!" -Sandy C., Real Estate Investor.
click here for original source Zillow review page
"Selling my house on short sale for the 1st time.
Rudy, I would say he is the best of the best of all realtors that I've known!!! Mastering of short sale is making him knows what he's doing, very friendly (smile) yet very aggressive, knowledgable & fast.
I trully recommend him as a realtor. He's the best!!!!!"
- Josh, San Gabriel, CA.
click here for original source Zillow review page
|