SHORT SALES PLATINUM

Clients Testimonials

Sat, 07 Aug 2010 10:40:53 GMT

Dear fellow homeowner:

There are few things more unsettling than finding yourself in the position of having to sell your home before you are ready. Nothing can prepare you for this. Last year I found myself in this situation. I had nowhere to turn and knew no one who had any answers. Perhaps, like you, I found Rudy Kusuma on the internet and I took a chance on him.

I am glad I did.

Rudy was spectacular. Not only did he know what he was doing- he is obviously a specialist in the field of short sales-but he makes you feel as though you were his only client. He answers all your questions, gives you sound advice, communicates clearly, frequently and quickly and is always pleasant.

My short sale nearly fell apart several times. There were several times I fully expected Rudy to call me to say, “I’m sorry, but it’s just not going to happen.”

But Rudy worked miracles! I cannot recommend him highly enough!

Thank you, Rudy.

Gerard Babb
Home owner in Pasadena, CA.

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 08:23:39 GMT

The Truth About Mortgage Modifications

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I’ve prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply provide your information below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

RUDY LIRA KUSUMA
626.780.2221

Free Foreclosure Prevention Workshop

Mon, 12 Oct 2009 17:05:03 GMT

Free Foreclosure Prevention Workshop

This workshop has been designed for homeowners as part of our Community Outreach Programs.

Foreclosure occurs when the homeowner falls behind in monthly mortgage payments and defaults on the loan. The lender repossesses or sells the home in order to satisfy the debt.

This class will discuss 9 (nine) options you can pursue to avoid a home foreclosure.

Your solution will depend on your financial status, the mortgage's default status, the type of loan you have and the various laws that apply.

Topics include:
* Reinstatement
* Short Sale
* Short Refinance
* Special Forbearance
* Mortgage Modification
* Partial Claim
* Pre-Foreclosure Sale
* Deed-in-lieu of Foreclosure
* Bankruptcy

Commonly Asked Questions:
* What is Short Sale?
* What is Loan Modifications?
* Who qualify for Loan Modifications?
* How can I avoid foreclosures?
* How can I save my home?
* How can I save my credit?
* What are my options?
* How can I identify loan modifications scams?
* What are my options to stop foreclosure?
* and many more...
Bring all your questions. There will be Q & A sessions.

You will receive FREE:
The 2009 Lender Comparison Chart on existing mortgage workout programs.
The chart is a compilation of programs offered by the larger lenders and government entities.

&
Loan Modification Charts

Plus,

FREE LOAN MODIFICATIONS
You will learn how to do your own Loan Modifications at no cost.
At the end of the workshop, you will get all the tools and resources you need to begin negotiating your own loan modifications. Avoid Foreclosures!

Special Bonus:
In-depth understanding of California Foreclosure Process -
ALL you need to know to Avoid Foreclosures!

Date: Wednesday, AUGUST 11, 2010

Time: 7pm - 9pm
WE START & FINISH ON-TIME
PLEASE ARRIVE 15 MINUTES EARLY

Location:
COLDWELL BANKER New Century
960 E. Las Tunas Dr
San Gabriel, CA 91776

Cost: FREE
But Registration is Required!

Website: http://www.rudylk.com/loan-modifications-foreclosure-prevention-seminar.html

RSVP Online:

Short Sales Approval Sample Letters

Sun, 11 Oct 2009 23:54:52 GMT

Short Sales Approval Sample Letters

Rudy Lira Kusuma has successfully represented numerous home owners to avoid foreclosure. Click here for a partial list of short sale approval letters issued by lenders nationwide.

These are actual written short sale approvals negotiated by Rudy. Results may vary for each short sale case is unique.

To determine your options, please schedule your private, confidential, and of course, no obligation, foreclosure prevention consultation with Rudy Lira Kusuma.

A few of lenders and servicing companies that Rudy has successfully negotiated short sales for his clients:

Bank of America
Wells Fargo
CITI
East West Bank
OCWEN
AURORA
AHMSI
Countrywide
Washington Mutual
Green Tree
Select Portfolio Servicing
CHASE
Indymac Bank

and many others...

RUDY LIRA KUSUMA, CDPE®
Certified Foreclosure Prevention Consultant
The Short Sales Specialist
Cell: 626.780.2221

Education:
Bachelor of Science in Mathematics, University of Wisconsin - Madison
Award in General Business Studies, University of California - Los Angeles
Graduate REALTOR® Institute (GRI), California Association of REALTORS®
Certified Distressed Property Expert® (CDPE), The Distressed Property Institute

Memberships:
Arcadia Association of REALTORS®
California Association of REALTORS®
National Association of REALTORS®
Council of Residential Specialists

Areas of Practice:
Foreclosure Prevention and Short Sales

Servicing Cities and Communities:
Alhambra, Arcadia, Azusa, Baldwin Park, Bradbury, Claremont, Covina, Diamond Bar, Duarte, El Monte, Glendora, Irwindale, La Canada-Flintridge, La Puente, La Verne, Monrovia, Montebello, Monterey Park, Pasadena, Pomona, Rosemead, San Dimas, San Gabriel, San Marino, Sierra Madre, South El Monte, South Pasadena, Temple City, Walnut, West Covina, and greater Los Angeles County, Orange County, San Bernardino County, and Riverside County.

Options and Solutions

Thank you for visiting this site and taking the first step toward finding answers. I appreciate what it has taken for you to come here, and commend your efforts to get the facts about your situation. The current real estate environment can be frustrating, with misinformation and conflicting plans for how to proceed.

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Simply enter your information below and click "Send." I hope that you will review this information carefully, so that your next steps are the right steps toward a real solution.

Let me help you evaluate your options and get back on track to a solid, stable future.

Foreclosure Vs. Short Sale

As a Certified Distressed Property Expert, I have devoted my career to helping homeowners who face difficult situations, taking them from uncertainty to resolution. Lately I've found a lot of conflicting information going around, especially concerning short sales, which you should know about.

A short sale occurs when a lender accepts the selling price of a home, even if it is less than the full amount owed on the mortgage. For particular homeowners, this can be the best option to foreclosure. Yet, I still hear people suggest that short sales are basically the same as foreclosure.

This is absolutely wrong!

You need to have the CORRECT information. That’s why I'm glad you're here. To help, I’ve prepared a free report—just for you—that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

RUDY LIRA KUSUMA 626.780.2221

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

RUDY LIRA KUSUMA
626.780.2221

Short Sale & Deed-In-Lieu

Contrary to what you may have heard, lenders actually want to avoid foreclosure wherever possible. That’s why they’re accepting more short sale and deed-in-lieu transactions everyday in an effort to eliminate unnecessary foreclosures. This is great news for homeowners facing financial distress.

To help you understand more about these two options, I’ve prepared a free report just for you, called ‘Short Sale & Deed-in-Lieu: Dignified Solutions.’ To receive your free report, please provide your information in the fields below.

I hope you’ll review these options carefully and pass this information along to those who may need it. I commend your efforts to finding a solution to the difficult financial situation that you or someone you know is currently facing. Providing the best advice and information in your time of need is my priority.

Let me help you evaluate your options and get you back on track to a secure financial future.

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are preying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Find out now if you are eligible!

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

Credit Score Issues

Don't Let Your Credit Score Drop Unnecessarily

Avoiding foreclosure now could make or break your attempts to get a loan in the near future and determine whether you can get affordable interest rates.

That's why I've made this site available for anyone in our community struggling with mortgage payments. Foreclosure alternatives like short sales and deeds-in-lieu allow homeowners to avoid many of the damaging effects of foreclosure. In addition, short sales may have less of an impact on credit scores than foreclosure.

To get all the information on how these options affect your credit score, fill out the form below and click "Send". If you need immediate assistance, contact me right away.

I'm here to assist you.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

To get your free report, fill out the form below and click send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.