Mortgage Forgiveness Debt Relief Act extended to 2014 Is the Mortgage Forgiveness Debt Relief Act extended? People have been very worried with the expiration of the relief enacted in 2007 entitled “The Mortgage Forgiveness Debt Relief Act of 2007.” In fact, there are some thinking they may be looking to cancel short sales in progress and having to ask (or beg) their banks to reinstate their loans, help them keep their homes, or seek other remedies in order to avoid a foreclosure or short sale in this new year.

If one can not afford their mortgage debt, how can they afford a big tax bill in the form of “cancelled debt” or call the forgiveness of debt, income? Income? Ugh, the final insult for many facing foreclosure, short sale or loan modification in California. Some have called this short sale tax relief, or foreclosure tax relief. Families and individuals could be relieved of the obligation of taxation of this forgiven debt, called income , for their principal residence and up to 2 million dollars.

The mortgage forgiveness debt relief act has been a very important factor in a decision to short sale, foreclose or look into a bankruptcy. Read the IRS rules of The Mortgage Forgiveness Debt Relief Act and Debt Cancellation here. But YES! It appears to be extended through to January 1, 2014. It looks like it IS part of the fiscal cliff bill that was passed through the Senate and House today/tonight and is ready for the President’s signature.

You can read the PDF version of the “package” and see the following language: SEC. 202. EXTENSION OF EXCLUSION FROM GROSS INCOME OF DISCHARGE OF QUALIFIED PRINCIPAL RESIDENCE INDEBTEDNESS. (a) IN GENERAL.—Subparagraph (E) of section 108(a)(1) is amended by striking ‘‘January 1, 2013’’ and inserting ‘‘January 1, 2014’’. (b) EFFECTIVE DATE.—The amendment made by this section shall apply to indebtedness discharged after December 31, 2012 Has California extended it’s Mortgage Forgiveness Debt Relief for 2013?

Not yet. Keep in mind the news tonight as it relates to this “fiscal cliff package” is for federal IRS tax purposes and does not apply to individual states , and at this time we do not know if California will extend their similar debt relief act, though they did extend the California provisions once before in 2010. See California’s Mortgage Forgiveness Debt Relief information here .

So stay tuned for that, I’ll keep you updated the best I can here as soon as there is any update on the state provisions of this act. If you are thinking of selling your home, need to do a short sale, or want information about options to avoid foreclosure for your Contra Costa home, call me! I serve the areas of Concord, Clayton, Walnut Creek, Pleasant Hill, Martinez, Antioch, Brentwood, Pittsburg, Bay Point, Lafayette, Orinda, Moraga, Danville, San Ramon and many other areas of Contra Costa and some parts of Alameda county.

I’m well versed in short sales and can offer you referrals to qualified attorneys, CPAs and tax professionals to answer your questions. Catherine Myers, Broker Associate Prudential California Realty Offices in Pleasant Hill, Walnut Creek and San Ramon DRE #01337828 Contact me online 925-683-2125 Keep in mind, that the information provided above is not designed to substitute for professional advice from a competent, experienced tax professional.

The information may be incorrect or your situation may be such that it does not apply to you. Be careful about relying on any internet source for information without also checking in with a professional that knows YOUR individual situation.

? Mortgage Debt Relief Act Extended in California? Mortgage Debt Relief Act Extended in California First, ALWAYS check with your own tax professional as there is still much confusion on the short sale debt relief at both the federal and state level. This blog or others, can NOT be a substitute for qualified advice from your CPA or tax attorney. One of the most commonly asked questions of me on my blog and website is whether or not the Mortgage Debt Relief Act has been extended, and if California has followed suit.

You may all recall, that in 2007 the Mortgage Debt Relief Act came into existence and was meant to offer relief to homeowners in distress, doing a short sale, selling their home for less than their mortgage balance(s). Prior to the act, it was said that the difference between what you sold the home for (what the bank settled for in a short sale) and what WAS owed on your loan was phantom debt, cancelled debt and subject to INCOME TAX!

Income tax on money you never got, never benefited from. You got a 1099 form from the bank you had to address with the IRS in the January following your sale. Bam! Not very nice. Well, the Mortgage Debt Relief Act was meant to relieve homeowners by clarifying that cancellation of debt income on a primary residence may not be applicable. Good news. And shortly after, California Franchise Tax Board followed suit.

The federal debt relief act was set to expire in 2012, but it was extended to December 31, 2013. BUT California DID NOT follow suit in 2013 so it’s been very stressful for California homeowners who conducted a short sale in 2013. We just got some good news. I want to say first, don’t take any blog or real estate professionals word for it . YOU MUST speak to your CPA, tax professional or attorney about your particular situation.

Every situation is different, and real estate professionals are usually not also a CPA or attorney and advice about your taxes must be obtained from a qualified tax professional. But here is the good news for 2014, these recaps are excerpted directly from our California Association of Realtors Alerts ( link ): __________________________________________________________ FEDERAL DEBT RELIEF INCOME TAX FOR SHORT SALES A short sale in California is generally not subject to federal income tax for mortgage debt forgiveness, according to a recent letter from the Internal Revenue Service (IRS) .

C.A.R. worked closely with Senator Barbara Boxer to obtain this IRS guidance. We are also hopeful that we can promptly obtain similar guidance regarding state income tax for mortgage debt relief income from the California Franchise Tax Board (FTB), which has been awaiting this IRS letter. Given that a homeowner in California generally cannot be held personally liable for a short sale deficiency (see below), the IRS stated in its letter that it would consider the mortgage loan as a nonrecourse obligation that is not subject to federal debt relief income tax.

The amount of indebtedness, however, must be reported as the amount realized for capital gains purposes. Of course, a principal residence is generally excluded from capital gains tax up to $250,000 for single taxpayers and $500,000 for married couples filing joint returns (under 26 U.S.C. § 121). State – Franchise Tax Board California homeowners who lost their home in a short sale will not be subject to federal or state income tax liability on debt forgiveness “phantom income” they never received, thanks to recent clarifications by the Internal Revenue Service (IRS) and California Franchise Tax Board (FTB).

In November, in a letter to California Sen. Barbara Boxer , the Internal Revenue Service (IRS) recognized that the debt written off in a short sale does not constitute recourse debt under California law, and thus does not create so-called “cancellation of debt” income to the underwater home seller for federal income tax purposes. Following the IRS’s clarification, C.A.R. sought a similar ruling by the California FTB, with the help of the Board of Equalization (BOE).

Now with the FTB’s clarification, underwater home sellers also are assured that they are not subject to state income tax liability, rescuing tens of thousands of distressed home sellers from California tax liability for debt written off by lenders in short sales. We thank Sen. Boxer and BOE member George Runner for their leadership in obtaining this guidance from the IRS and FTB.

Distressed California homeowners can now avoid foreclosure or bankruptcy and can opt for a short sale instead, without incurring federal and state tax liability, even after the Mortgage Forgiveness Debt Relief Act of 2007 expires at the end of this year. Important Note: From CAR: The IRS guidance is limited to California short sales only. The IRS guidance did not specifically address other types of real estate transactions such as non-judicial foreclosures and mortgage loan modifications.

Contact Catherine Myers, Real Estate Broker for help with a short sale in Contra Costa and the San Francisco Bay Area. Short sales are still happening as some of our areas took huge value plunges and in some areas, they may not recover to the levels needed to sell the home without being a short sale. Catherine can guide you through a short sale, get you the help you need, and get you moved on to the next chapter.

Whether your situation is financial, unemployment, relocation or personal, most banks are well equipped to handle a short sale and can take anywhere from 4-12 weeks to complete. Call today 925-683-2125.

Big Changes to the HAFA Short Sale program Big Changes to the HAFA Short Sale program Contra Costa Short Sales Effective today, there are some pretty major changes to the short sale program, HAFA (Home Affordable Foreclosure Alternative). This program has evolved and now it’s gotten even better. Here are some of the ways you’ll find even more reasons to apply for a HAFA short sale.

Many people are starting to think a little harder at a short sale as an option as the end of the year looms near. This is because as of this date, both the state and federal income tax protections for owner occupant short selling borrowers will expire. We hope it will be extended, and we continue to keep watch. Below you’ll find the current directive and then information on the past information: HAFA short sale program is extended through December 31, 2013 Was only through December 31, 2012 Occupancy Requirements have been expanded to include second homes, and rentals/investment homes (but owner can not have purchased a property in the previous 12 months).

HAFA required the property to be occupied as a primary residence during the prior 12 month period. Relocation Allowance is still $3,000 to the owner OR the tenant if the property is tenant occupied. There was no previous help for owners of investment property or help for tenants – this is all new – good news! Junior lienholders may receive up to $8,500. Currently, junior lienholders were capped out at $6,000 (or 6% of balance whichever was less).

Income requirements can now exceed 31% of income. The borrower may stay current on their loan (subject to investor guidelines). HAFA guidelines had stated mortgage payments should not exceed 31% of gross monthly income. Credit reporting may show a “paid or closed account/zero balance,” or “paid in full/foreclosure started” whichever is applicable. (will likely still note “paid less than full balance) This was a very grey area and no guidelines or consistency across the board was seen.

For more information about HAFA Short Sales in Contra Costa or your Walnut Creek, Concord, Clayton or Pleasant Hill short sale, call Catherine Myers. You can also find more information at the government sponsored site Making Home Affordable – Exit Gracefully For those that want it ALL, here is the HAMP Administration Directive 12-03 describing the above: HAMP Admin Directive Walnut Creek short sales | Concord short sales | Pleasant Hill short sales | Clayton short sales | Martinez short sales

! – SOLD! Downtown Martinez Home for sale! – SOLD! Buy a home in Downtown Martinez Quaint Martinez home for sale on a tree-lined street and just blocks to downtown, schools, commute and shopping. Old world charm abounds, many original features remain and offer all the charm you expect in a 1922 built home. 2 bedrooms plus an extra room (den? office?). Dining room and living room with built-ins.

Inside laundry. Updated bath with vintage claw tub. Long driveway leading to carport . Yard in back. Front porch is peaceful under the mature trees. If you work in Downtown Martinez, this is a perfect location! 3 bedrooms, 1 bath, 1052 square feet. 1828 Estudillo St, Martinez OPEN HOUSE Saturday only 1-4 Offered at $300,000 Downtown Martinez Home for sale! Click to view more photos of this Downtown Martinez Home for sale!

Contact Catherine Myers, Broker Assoc PRUDENTIAL California Realty Cal BRE 01337828 925-683-2125 Search more Martinez Homes for Sale

East Bay Condo for sale! Emeryville’s Green City Lofts East Bay Condo for sale! Emeryville’s Green City Lofts Looking for an East Bay condo for sale? Available now! Here’s the perfect East Bay condo for the person looking to be near commute, schools, and just literally blocks to PIXAR Animation Studio! Looking specifically for an east bay condo just blocks to PIXAR?

Welcome home! Investor condo special! Investors are welcome. 1 bedroom, 1 bath condo for sale in Emeryville. Built in 2005, still like new with all the amenities you want and need in a condo. 936 square feet. This unit is very spacious, on the ground floor with a balcony. Granite kitchen. This building had GREEN technology with many energy saving features. Building has security entrances and secure under building parking.

Bamboo flooring, gorgeous neutral tones, inside laundry (stackable), gas cooking, large bedroom and beautiful community outdoor atrium. Call Catherine Myers to view! 925-683-2125 GreenCity LOFTS , Emeryville, CA just a few blocks from the freeway commute, PIXAR, shopping and dining! Public transit all nearby, few blocks to BART. Check out more info about GreenCity Lofts at the builder’s link, and read what they’ve had to say: Proclaimed the greenest multifamily development by Mayor Jerry Brown.

Greenest multifamily project on 2005 Green Home Tour of Alameda & Contra Costa Counties. SF American Institute of Architects World Environmental Day exemplary case study. Welcome to GreenCity Lofts, an exquisitely designed community that thoughtfully integrates green principles, quality construction, and the Bay Area lifestyle. GreenCity Lofts is at the corner of 41st and Adeline Street in Emeryville.

Conveniently located with easy access to Berkeley, San Francisco, and Oakland. Offered at $249,000 View the MLS sheet for this Emeryville condo!

Short sales in Contra Costa; Walnut Creek, Pleasant Hill, Concord Short sales in Contra Costa; Walnut Creek, Pleasant Hill, Concord If you are looking for information about short selling your home in Contra Costa including Walnut Creek, Concord, Pleasant Hill, Clayton, Martinez or the surrounding areas, one question I’m asked frequently is whether or not you need to have a sign in your yard when selling your home?

What about a rider on the sign that says short sale? (cringe) I say NO to both. No you don’t need a sign in your yard when your home is for sale. Sure, its great for those lookie-loos who drive around in their favored neighborhoods and certainly it provides a visual queue for anyone (including real estate agents) coming to view your home, but do you NEED a sign in your yard when selling your home?

No, the answer is no. In almost every homebuyer profile I read, it rates yard signs down among the lower ranked sources a buyer used to find a home. For homebuyers over 40 years old, more than 90% started their search on the internet and deemed online home searches as #1 on their list of what to do when searching for a home. The under 40 crowd, the online searching SOARS to 96%!

So, having your home on the internet, with quality descriptive text, quality professional photos, and virtual tours is of utmost importance. Most buyers will find your home online. Or, through their agent. Or as a combination, and online search tied to daily emails. The list of top sources for homebuyers are as follows: Internet: 88% Real estate agent: 87% Yard sign: 55% Open house: 45% Newspapers and print home magazines have fallen sharply and are 30% or less.

I’ve worked with many sellers in the area, who weren’t anxious to field questions from their neighbors and friends – yet. Home goes on the internet, showings over a period of a few days – and in this market we’re seeing multiple offers and a pending sale before you know it. You can then control who knows and when they know. There is not the stigma attached to short sales any longer.

Almost anyone who has bought a home in the last 8-12 years is likely to be underwater, or close enough to it to require a short sale and it isn’t tied to anything you did or didn’t do. The values have dropped, period. Unless someone put a SUBSTANTIAL down payment into their home, it is likely to be upside down, and short of paying off the mortgage balance in full, simply as an effect of the market.

Call me if you wish to discuss a selective seller program of marketing for you home. Professional, confidential, effective. Catherine Myers Broker Associate Prudential California Realty DRE 01337828 925-683-2125 www.DiabloValley.net Read the highlights of the habits of home buyers and sellers in 2012, brought to you by NAR (National Association of Realtors) 2012 NAR Profile of Home Buyers and Sellers

Short Sales and Bankruptcy in Contra Costa What about Short Sales and Bankruptcy in Contra Costa? I’m often asked by Contra Costa short sale sellers whether or not they can do a short sale while in bankruptcy. Or, can they contemplate a short sale during the process of bankruptcy. For the most part, you will need to use your bankruptcy attorney as your guide here, as they will be your resource on the timing of the court approving a short sale during the bankruptcy proceedings, but in the meantime, Bank of America has just released some very important guidelines to reference if you’re thinking of a short sale and bankruptcy in Contra Costa.

Remember, and this is something I tell ALL of my clients and those I consult with regarding short sales, you MUST consult with an attorney about the possibilities of a bankruptcy BEFORE you sell your home. Your home being your largest debt (most likely), attorneys have told me that many make the mistake of selling the home AND THEN trying to do bankruptcy. It certainly may still be do-able, but some are surprised it may not be as favorable as if you had the largest debt of your life (your home).

So, Short Sales and Bankruptcy in Contra Costa is complicated, and it is imperative you have professional guidance. If you need some attorney names, I can pass along a few I’ve had clients use over the years. Bank of America can review a short sale offer while the loan is in an active bankruptcy. To complete a short sale and issue the approval letter, the bankruptcy documents must be filed and approved by the court.

Any final agreement will require bankruptcy court approval. Homeowner(s) should consult with their Bankruptcy Counsel about how these programs could affect their mortgage and their bankruptcy case. When a loan is in bankruptcy, there is an Automatic Stay , also known as a “hold,” of any collection activity placed on any and/or all debts to which the debtor is a party.

Before the short sale specialist can discuss the short sale, Bank of America must have written authorization from the Homeowner(s’) Bankruptcy attorney on the law firm’s letterhead to discuss loss mitigation options with the borrower . This is in addition to the Bank of America Third-Party Authorization Form needed from the borrower to speak to the bankruptcy attorney and the listing agent.

If Homeowner(s) is/are currently in a bankruptcy proceeding, or have previously obtained a discharge of this debt under applicable bankruptcy law, all communication and notices are for information purposes only and is not an attempt to collect the debt, a demand for payment, or an attempt to impose personal liability for that debt. The Homeowner(s) is/are not obligated to discuss their home loan with Bank of America or enter into a short sale agreement or other loan-assistance program.

Customers should consult with their bankruptcy attorney or other advisor about their legal rights and options. For a short sale to be processed to completion for a loan in bankruptcy, Bank of America must receive one of the following releases issued by the bankruptcy court: Granted Motion to Sell* Granted Motion for Relief from Automatic Stay with noted short sale negotiation* Dismissal Discharge with Abandonment, Closing Order, Final Decree, Trustee No Asset Review *A granted Motion differs from a requested Motion.

Note: If Homeowner(s) receive(s) a discharge under a Chapter 7 a bankruptcy proceeding: discharge releases the Homeowner(s) from personal liability for certain specified types of debts. The Homeowner(s) is/are no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the Homeowner(s) from taking any form of collection action on discharged debts, including legal action and communications with the Homeowner(s), such as telephone calls, letters, and personal contacts.

Although a Homeowner is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien. Bankruptcy Frequently Asked Questions 1.

What additional documents will be needed to complete this short sale? Bank of America must have written authorization from the Homeowner’s bankruptcy attorney (on the law firm’s letterhead) to discuss loss mitigation options with the Homeowner. The customer and the attorney may determine that they do not want to give this authorization and the short sale can be negotiated through the attorney.

This attorney authorization permitting Bank of America to speak to the Homeowner(s) is in addition to the Bank of America Third-Party Authorization Form needed from the Homeowner(s) to speak to the bankruptcy attorney and agent. Communication cannot occur with the real estate agent/Homeowner(s) until the bankruptcy attorney’s written authorization on the firm’s letterhead and the Bank of America Third-Party Authorization form are received.

2. When will I receive the approval letter? An approval letter cannot be issued until the releases, identified above from the bankruptcy court has been received. Once the release is received, the file can be submitted for approval to the appropriate investor(s) and/or mortgage insurance company. The file will then follow the normal approval process to ensure it meets investor requirements.

3. Why can’t you approve a short sale file while waiting for the bankruptcy to be released? An approval must follow the direction provided in the release by the bankruptcy court. That is why a short sale will not be approved unless a court order permitting the sale is first received. 4. What fees can be paid related to the bankruptcy proceeding? Any fees that are directly associated with the bankruptcy would be subject to further review and approval.

For example, if Bank of America incurs fees to file a pleading to approve the short sale in the bankruptcy court, Bank of America may seek permission from the bankruptcy court to allow such attorney and filing fees. 5. Can a homeowner qualify for a Home Affordable Foreclosure Alternative (HAFA) incentive while in bankruptcy? Yes. However, any funds going to the Homeowner(s) through state incentives or other incentive programs must be properly disclosed and handled in accordance with bankruptcy legislation and local rules.

6. Are additional documents required for a short sale when the homeowner is in active bankruptcy? Yes. Two additional documents are needed for a short sale that is in active bankruptcy: An attorney authorization letter from the bankruptcy attorney providing permission to speak with the Homeowner(s) is required. This is separate and in addition to the required Bank of America Third-Party Authorization Form signed by the Homeowner(s) permitting Bank of America to speak with the bankruptcy attorney and the real estate agent.

Bank of America must receive a release issued by the bankruptcy court (listed above).

Pacheco home for sale, Pleasant Hill border! Pacheco home for sale! Pleasant Hill border, Pacheco home for sale near the Contra Costa Canal trail. Pleasant Hill/Martinez area schools! This home for sale in Pacheco is STUNNING! Not an understatement! Absolutely a WOW house! 4 bedroom, 2 bath, 2115 square feet with all the features and updates you want! Granite specialty gourmet kitchen with large island, distressed chalk-paint cabinetry, recessed lighting, water and stain resistant flooring, dining nook, stainless appliances and more!

Plantation shutters and dual pane windows throughout. This Pacheco home for sale was built in just 1999. Quiet circle off a cul-de-sac makes this a quiet neighborhood without through traffic. Rural feeling, rare offering! Backyard paradise that you won’t believe! Pebble tech type inground pool with 3 patios, covered patios, room for outdoor kitchen, roomy and serene built-in spa and waterfalls too!

Privacy galore! Entertainer’s paradise!! This is an exceptional location, one you’ve probably not discovered yet! Near all directions of the commute, blocks to shopping, dining, schools and DVC college. The Contra Costa Canal trail is just a block over for all kinds of recreation and access to points beyond. Discover Pacheco! You’ll be glad you did. This home is available to view by appointment only.

Excellent curb appeal on a quiet street. Offered at $485,000 See more information: 348 Manor Park Circle, Pacheco home for sale See photo gallery for this Pacheco home for sale on the Pleasant Hill border: Pacheco home for sale photos

Walnut Creek condos for sale! NEW! Walnut Creek condos for sale Two wonderful Walnut Creek condos for sale , both new on the market today! Here the details of these Walnut Creek condos for sale, both in the Walnut Creek School district including Acalanes School District’s, Las Lomas High School in Downtown Walnut Creek. Check the schools for availability of course!

Searching for Walnut Creek homes for sale? You’ve come to the right place! 2721 Oak Road Unit D, Walnut Creek 2 bedroom, 2 full bath, 1208 square feet. Lower end unit with carport parking right in front of unit. This is an REO bank owned condo in Walnut Creek’s Oak Road Villas complex. All new paint and carpet. Clean and ready to move right in. Community pool.

Near the canal trail and Walden Park. Just a couple blocks to the BART Station and Club Sport. Don’t miss this great opportunity. Bank owned so no waiting for a short sale answer. Listed at $304,900. See the MLS details: Walnut Creek Oak Road Villas for sale 1315 Alma Avenue, Walnut Creek This unit is in the prestigious Montecito building complete with secure entry and concierge at your service !

Couldn’t ask for a better location for the Montecito in Walnut Creek! Huge 1 bedrooms, 1.5 bath, 953 square feet for this Walnut Creek condo for sale. The balcony overlooks the beautiful courtyard. In the heart of Walnut Creek downtown, near shopping, dining and commute! Listed at $265,000. Search more Walnut Creek condos for sale here:

Chase short sales: Will Chase pay you to do a short sale? Chase Short sales: Will Chase pay you to do a short sale? The answer is MAYBE! Chase has targeted tens of thousands of loans all over the Bay Area to be part of their Chase short sale incentive program. This Chase program may enable you to streamline a short sale AND receive a Chase monetary incentive in the process.

How much is the Chase short sale incentive? Could be $10,000, $30,000 or up to $40,000. In fact, you can even combine this Chase short sale incentive offer WITH the HAFA program and get a $3,000 relocation allowance in addition to the thousands of the Chase short sale incentive. As a Chase preferred partner agent in the East Bay Area, we’ve heard that these letters will start going out to the targeted Chase borrowers soon.

While details on who exactly will be eligible, and who will receive these letters is a bit unknown, it is known that they will target those that are most delinquent on their loans. If you are a Chase borrower, and delinquent on your mortgage payments – OPEN ANY MAIL that comes from Chase. A client recently thought this letter was a “scam” as surely Chase wouldn’t be paying people to do short sales, but yes, yes they are.

Chase Short Sale Incentive Sample letter If you wonder if you qualify for a Chase short sale, and a Chase short sale incentive AND are already delinquent on your loan payments, feel free to call Chase directly to see if they’ll let you know if your loan is one that is targeted to receive the incentive. The letter will start out something like this: You could sell your home, owe nothing more on your mortgage and get $30,000.

The phone number offered for Chase short sales on letters I’ve seen is Chase short sale incentive program phone: 877-496-3820. Again, if you are seriously delinquent and contemplating a short sale, call Chase and see if you may be eligible. Or, if you receive a Chase Short Sale Incentive letter, you may notice there may be a couple of names of Chase preferred agents for homeowners.

I wrote about my acceptance into the Chase Short Sale Priority Partner program a while back, but we are agents hand picked by our local Chase representatives and have documented experience with Chase and with short sales in general. I’ve attached a partial sample of such a letter here. In other news, maybe only exciting to other short sale agents, Chase will be migrating to the Equator platform, probably some time during the 3Q of 2012.

So stay tuned! To speak with a local Chase lending representative, contact Joanne Berson in Walnut Creek. Or to discuss the possibility of a loan modification or other home retention options, i..e mortgage modification programs, check out the Walnut Creek branch of Chase Homeownership Center. Contact Catherine Myers, Real Estate Broker for all your Contra Costa short sale needs and questions.

Free and confidential consultations for all situations. Experience with all local and national lenders. Catherine Myers DRE 01337828 Windermere Bay Area Properties 925-683-2125 Walnut Creek, CA and Clayton, CA Serving the areas of Walnut Creek, Concord, Clayton, Pleasant Hill, Martinez and BEYOND …