SHORT SALE PLATINUM

Clients Testimonials

Sat, 07 Aug 2010 10:40:53 GMT

TESTIMONIALS:

Dear Rudy,
I encourage you to share this letter with any prospective clients. It comes from the heart.
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
Pasadena, CA

“Rudy is absolutely AMAZING!

I recently had to sell my parents’ home after they passed away and there was so much extensive damage throughout the house that I thought my brother, sister and I were going to come away with nothing even though the house was all my parents had to leave us.

I even tried to sell the house myself thinking I could find someone who wanted to live in this nice area even if the house needed a lot of work. I was low-balled so many times that I didn’t know what to do.

A friend of mine referred me to Rudy and raved about his knowledge and skills so I called him. I was blown away from the very first time I met him. I watched Rudy list the house in such a way to attract just the right buyers in just a few days.

Then I watched as he used his expert negotiation skills to narrow down a list of about 10 very strong potential buyers to about 3. Rudy wrapped up the sale in a matter of days and both buyer and seller were extremely happy with the end result.

I really can’t say enough great things about Rudy. He was great to work with, very understanding of my situation, very respectful of my desires and wishes and always there for me as if I was his only client at that time.

I would have had to have foreclosed on this property had I not found Rudy when I did.

He worked his magic so smoothly that it all worked out like a dream come true.

Thank you, again, Rudy!! I would recommend Rudy to anyone and everyone.” -Jana Hall, Santa Ana, CA.

“Rudy is very knowledgeable, and this guy really knows what he is doing. At our first meeting, he explained to me all the available options and whether or not they are applicable to my specific situation.” – Yi Wen, San Gabriel, CA.

“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.” – Yosira, San Gabriel, CA.

“Rudy is very knowledgeable and skillful in the field. He is also a very helpful person. Overall, I’m very satisfied with his service.” – Sandy, San Bernardino, 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.

The Robo-Signing Settlement

The Robo-Signing Settlement: How it can help you stay in your home!

The news has been abuzz in the past few weeks about the historic Robo-Signing Settlement reached between the government and five major lenders. The settlement raises lots of questions, but for homeowners who are in danger of losing their home there is only one:

Can this settlement help me stay in my home?

The answer: Possibly! But regardless of whether you meet the specific eligibility requirements of the settlement, it is important to remember one thing:

THERE ARE OPTIONS!

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I have information about what this settlement means for distressed homeowners.

If you or someone you care about is in danger of losing their home and think they have no options, contact me today for a confidential consultation.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

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.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

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!

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.

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

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.

Change the Course!

You Can Change the Course!

If you feel like shifting economic winds have not been in your favor lately, you are in good company. More than 6 million homeowners nationwide are in some stage of foreclosure.

If this is the case with you or someone you care about, you are all too aware of the stress and uncertainty that accompanies notices of default, unwanted phone calls and offers of help that turn out to be no help at all.

The fact is, the last thing your bank wants is to foreclose on your home. Banks are willing to negotiate, and you need someone on your side who is adept at negotiating with banks.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Change the Course! And Navigate Away from an Unmanageable Mortgage."

Contact me today and let's get started!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

Mortgage Payments Weighing You Down?

Give Yourself and Your Family the Gift of a Fresh Start to 2012!

If you've spent too much of 2011 living under the dark cloud of an unaffordable house payment, you're in good company. Current estimates are that more than 25 percent of all homeowners in this country would net less on the sale of their home than the amount they owe on their mortgage, and 6.3 million homeowners are in some stage of foreclosure.

The good news is that you have options. Helping homeowners to avoid foreclosure has actually emerged into the spotlight of as a national priority, with major banks, the Federal government and many state and local agencies offering more assistance than ever before to financially strapped homeowners.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the full scope of solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Mortgage Payments Weighing You Down? Give Yourself the Gift of a Fresh Start."

Contact me today and let's get started!

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

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

Escape Your Unmanageable Mortgage

Getting free doesn't have to mean running away.

Today, many homeowners find themselves unable to escape an unmanageable mortgage. Some of them are being given some bad advice.

They are being told that walking away from their mortgage and letting the bank foreclose is their best possible option. It is called Strategic Default, and it has terrible consequences.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I make it my mission to know the best possible options available to distressed homeowners for both their present AND their future.

Read the report on my site entitled Escape Your Unmanageable Mortgage: Getting free doesn't have to mean running away. Then, call me and schedule your free, confidential consultation.

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.

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!

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

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.

Freezes in Foreclosure

Think a Foreclosure Moratorium Will Save Your Home?

Think Again.

You may have heard news that politicians are requesting a federal moratorium on foreclosures and wonder what this means to you, especially if you are behind on mortgage payments. The reality is that a foreclosure freeze is not the answer to your problem. However, there are steps you can take to avoid foreclosure.

On the site below I've listed 5 steps to Avoid Foreclosure, which starts out with the proactive approach in avoiding foreclosure—taking action!

I have created this site to provide a source of empowerment and education. From short sales to loan modifications, I can provide information to provide a genuine sense of hope.

For a free report on the Five Steps to Avoid Foreclosure, fill out the form below and click "Send." Remember, a moratorium won't save your home—only you can! I'm here to help.

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.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.