Archive for February, 2012

How Near To The Trustee Sale Date Are You Able To Start The Short Sale Process?

Wednesday, February 29th, 2012

Hello, this is Kerri from the Bay Area Short Sale Angels, Northern California’s primary short sale team. Lots of people have asked me how near the trustee sale date can you initiate the short sale process. The trustee sale date is named the foreclosure sale date. There’s not an easy reply to that, it really is determined by the bank that’s servicing your loan. For essentially the most part, as a normal rule, we want a minimum of ten days. Ten days prior to the trustee sale date to initiate that short sale and have an opportunity of getting it into the system and having the ability to get an extension on that short sale date.

In no way does that mean hang around and stay in your own home until ten days before after which say you want to a short sale. Give your agent as much time as possible before that trustee sale date to be able to negotiate the short sale. It’s a much totally different process in the event you’re doing it underneath the guise of getting time over having no time. It’s extremely anxious doing all the pieces on the final second. Not knowing if the extension is going to go through or realizing if the foreclosure is going to happen up until a half an hour before the sale.

That is one thing that you don’t wish to set yourself up for, if at all possible. Now for those who in some way thought {that a} mortgage modification was going to go through otherwise you had been considering doing a bankruptcy, after which changed your mind at the final minute, try to give us not less than ten days. This is Kerri from the Bay Area Short Sale Angels considered one of Northern California’s primary short sale teams. We believe there’s nothing worse than doing nothing.

For more information on short sales and how to , or you can also and get started today.

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Saving for Retirement? Boost Your Returns with a Prosper IRA!

Wednesday, February 29th, 2012

April 17 is just around the corner! Have you maximized your tax advantages with an Individual Retirement Account this year?

Investing with Prosper.com is now available for Individual Retirement Accounts. If you’re contributing to your Traditional, Roth or SEP-IRA, or plan to open an IRA or 401(k) rollover, check out the Prosper IRA.Prosper.com offers investments in a profitable and proven asset class–diversified portfolios of loans from creditworthy borrowers. Along with best-in-class returns of 10.46%1, here are more reasons to open your IRA for investing with Prosper.com2:

  • Your Prosper returns grow faster with the tax advantages of an IRA.
  • A broadly diversified portfolio of consumer loans helps reduce portfolio volatility.
  • Easy reinvestment through Automated Quick Invest means your returns can compound over time.
  • No fees! Prosper.com will pay all of your first year IRA account fees.3

Get Help Meeting the IRS Deadline

Prosper.com will assist you with opening your IRA. Call Austin Bryant or Cameron Fleischer toll-free 1 (877) 611-8797 or email .

And get the great returns your retirement savings needs!

(1) Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through February 28, 2011. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365. All calculations were made as of December 31, 2011. Returns have been audited by a 3rd party for all data through September 30, 2011. Seasoned Return is not necessarily indicative of the future performance on any Notes.

(2) A minimum of $5,000 is required to open an Individual Retirement Account for investing with Prosper.com.

(3) Prosper will pay your IRA service fees, which are due to your IRA custodian upon account opening, if your Prosper IRA (i) has an initial balance of $5,000 or more in Prosper Notes within two months of opening, and (ii) maintains this balance throughout the year. Prosper will continue to pay your IRA service fees after the first year if (i) your IRA has an invested balance of $10,000 or more in Prosper Notes as of the first business day immediately after the anniversary date of the opening of your account, and (ii) maintains a balance of at least $10,000 in Prosper Notes throughout the year. An annual fee from your IRA custodian applies to accounts that don’t meet these requirements. Prosper reserves the right to modify or discontinue this offer at any time.

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