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Stop Foreclosure Placer - Helping Homeowners Avoid Foreclosure in Placer and Stop Foreclosure in Placer County California
Trying to Stop Foreclosure in Placer County, California or anywhere else is a nerve racking event. We are experts in assisting homeowners Stop Foreclosure in Placer County. We do not want you to lose your home and want you to avoid bankruptcy and stop foreclosure in Placer County, California.
Contact Us for a FREE Consultation on how we can Stop Foreclosure in Placer, and save your home before it is to late. We will utilize all options to help you Stop Foreclosure in Placer County. We will discuss your Stop Foreclosure in Placer County options and answer any questions you may have about how to Avoid Foreclosure in Placer County, CA.
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The Bollum Team / Keller Williams
Phone: 916-435-8472
Fax: 916-231-7973
3001 Lava Ridge Court Roseville, CA 95661
E-Mail: thomas.bollum@savemefromforeclosure.com
California Foreclosure Law
My Bio:
Tom Bollum
Broker-Associate
My career includes over 30 years in real estate and financial services, serving as a Vice President for a large Savings & Loan, CEO/President for a Federal Credit Union and Founder/CEO of a Sacramento-based, venture-capital backed, loan origination company that is now part of Intuit, Inc. Additionally, I have conducted training seminars for over 10,000 financial professionals in the areas of real estate, lending and consumer credit.
Professional Afffilations:
- Pre-Foreclosure Specialist Certification
- Certified Short Sale Professional
- Certified Property Valuator
- Member, Institute of Luxury Home Marketing
- Member, National Association of Realtors
- Member, California Association of Realtors
- Member, Placer County Association of Realtors
- SRES - Seniors Real Estate Specialist
- ePro Realtor
Calif DRE License #01748813
Tom Bollum can help you stop
foreclosure in Placer County CA
in the Cities of: Roseville, Rocklin, Granite Bay, Lincoln, Loomis, Auburn, Penryn, Newcastle, Colfax and Meadow Vista.
Your Save Me From Foreclosure Representative in Placer County, CA:
SaveMeFromForeclosure.com representatives are professionals who
understand foreclosure, the Placer County market and how to stop
foreclosure in Placer County. We will relieve your
anxiety about your pending foreclosure while we work to stop
foreclosure in Placer County.
The SaveMeFromForeclosure.com
local
representatives in your area
are trained professionals who understand foreclosure prevention, the
specifics of the Placer County market and how to avoid or stop
foreclosure
in Placer County, CA. We will provide you the
personal touch that will relieve your anxiety about your pending
foreclosure and help you to avoid foreclosure in Placer County.
Obviously,
dependent upon your particular situation we may
be able to bring your house payment current for less than you owe or
modify your current loan in order to avoid foreclosure in
Placer County, CA.
We are not a mortgage company that will refinance your house we want to save your home and avoid foreclosure in Placer County, California. If you have had an unforeseen hardship we are confident that we have a program to get you caught up on your payments or relieve you of the stress of a potential foreclosure.
Testimonial 1:
"Having been a home owner for approximately 40 years and, having bought and sold numerous homes, I would like to provide this statement about the Bollum Team and specifically: Brian Bollum. Brian provided help in so many ways I fear I may forget some of them.
As our purchasing agent, his efforts were noteworthy. He was extremely quick to get any and all of our many questions responded to and showed tenacity when necessary to get answers. He also handled all negotiations quickly and professionally representing our best interests at all times. Brian was fast to provide assistance when we were looking for reputable contractors to do various inspections and upgrades to the purchased property. Brian even scheduled some of those and represented my wife and me by meeting with contractors and service people when it was not convenient for us to do so.
Brian went beyond what I would normally expect from a Real Estate Agent and did so with a great attitude and friendly approach. It has been a total pleasure working with Brian and the Bollum Team and would highly recommend "The Team" to any and all individuals that need a Real Estate Team who: will provide professional, responsive and courteous service.
I would like to add the fact that this testimonial was unsolicited. I offered the statement because of the unparalleled service we received. My wife and I have total gratitude for Brian and the Bollum Tea"
- Michael Gilbert
Testimonial 2:
"We'd like to thank you and Jennifer (and the rest of your team) for helping us get into this home. It was definitely a process, stressful at times, but you always kept us up to date on the various properties that we expressed interest in, took the time to teach us about real estate, and made sure that we were doing everything possible to find our first home. When the ink hit the paper, we were very comfortable with the decision we made, and so far it has turned out wonderfully. We'll take the education that you provided and use it to make the most of our time here - hopefully we'll be able to work together again when we decide to take on another property. If any of your future clients want to run any questions by us about our Bollum Team experience, please feel free to pass along our number."
- Mike White
Specific Area Details
Foreclosures rates in Placer County are severe, and continue to rise. The new housing boom of the early 2000's has literally halted builders in their tracks, leaving a massive supply of empty new homes competing with a huge inventory of resale homes, which, in turn is creating an even greater decline in home prices.
Notices of Sale are up over 600% in last 3 years and have almost doubled in the last 12 months from 241 in Nov 2008 to 466 in Nov 2009. Additionally many banks have lengthened the time from deafult to foreclosure due to government intervention, required loan modification attempts and lack of financial institution staff to handle the volume of distressed homes.
One root cause is increased falling property values, leaving people in over-leveraged homes that they cannot afford. Without having the option to refinance, many are stuck with bad Adjustable Rate Mortgage (ARM) loans that are set to adjust soon.
Many Placer County residents are losing jobs, as unemployment continues to climb in the area. The people fortunate to have a job are experiencing wage cuts and/or mandatory furloughs.
The wild housing boom in Placer County brought inflated prices that precipitated an even greater fall.
Placer County, as a whole is being impacted by the rapid increase in foreclosures, but the primary focus seems to rest with the new(er) homes where homeowners were lured in with the easy financing options, such as 100% LTV's, stated incomes, negative amortization loans, etc.. Blue collar or white collar, doesn't matter, everyone is experiencing the hardships. Low income neighborhoods and affluent, high class neighborhoods equally are affected.
Placer County is littered with a vast supply of over-leveraged properties that are greatly upside down in value compared to when they were first purchased. With the remaining new homes being built and additional resales hitting the market on a steady basis, it continues to create additional upside borrowers without any equity.
There are some state/local government agencies that are providing housing education and counseling services by cerstified counselors. Many of these services provide options available to borrowers, education and negotiation services. As well as, refinancing options and services for victims of predatory lending.
As the local representative for SaveMeFromForeclosure.com, my goal is to help you avoid a foreclosure! When thinking about loan modificatons or short sales, you have to keep one thing in mind; it is a very difficult transaction process that can easily cause more harm than good if not performed properly. This is why your choice in real estate agents may be the single most important factor determining whether the process is successful or not due to the complexities and sheer volume of issues that arise.
This is not a task to be undertaken by just any real estate agent. As a Pre-Foreclosure Specialist and a Certified Short-Sale Professional, I have been trained to navigate through the requirements that need to be met to ensure you receive the finest representation regardless of whether you have decided to try and "keep your home" or "sell your home"!
We have the knowledge and experience to advise you depending on your unique circumstances and will bring in the right "partners" to assist you in reaching your goal. Times are tough, but there are resources to assist you in reaching your goals.
Contact Us Immediately for a FREE Consultation on how we can save your
home and Stop
Foreclosure in Placer County. We will utilize
all
options
available to help you Stop
Foreclosure in Placer County, California. We will discuss
your
options to avoid foreclosure in Placer and answer any
questions on
how
to Stop Foreclosure.
Avoid
Foreclosure in Placer County, CA by contacting Tom Bollum and stop
foreclosure in Placer County.