Get Your Loan Modification Approved By Your Bank

Property Inquery Form

Interested in a property? Please fill out the form below with the property address and any questions/comments. I will be more than happy to help you.

First Name*:
Last Name*:
Phone*:   (333-222-4444)
Property Address*:
Zip Code*:
Year Built*:
Square Footage*:
Desired Purchase Price:
When are you
planning to move?
Please describe any special features you want.
Yes I have a pre-approval letter
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We Are Here To Help You!

And there is NO CHARGE  to you!

Homeowners who are in a "Negative Equity" situation and are, - or are not - experiencing a financial hardship, may be candidates for a Loan Modification, in which the lender takes the loss! I can assist you in making that determination and WITHOUT any costs to you!

I am a real estate broker with experience in distressed foreclosure-related transactions since 1980. You have several options availed to you to resolve your situation.

Negative Equity sometimes refers to as being "upside-down" and occurs when a property's market value is less than the outstanding debts and liens against the property plus the cost of selling the property. Lenders generally won't consider a Loan Modification in the absence of a hardship or until the homeowner can recover from a temporary financial setback. Loan Modification restructures the loan to enable the homeowner to make payments over a period of time or a decrease of monthly payments, depending entirely on the particular situation, which the lender will decide.

We Will Negotiate On Your Behalf!

If the situation warrants a Loan Modification, the homeowner must seek the most experienced and knowledgeable REALTOR to negotiate the bank on the homeowners behalf and who knows how to negotiate with your bank successfully! Such negotiations require very hard-line approach to what they want and need. Each bank differs with negotiations and requirements and once more, you want to work only with a professional representing you who has years of experience. My office does not charge for this service, as I will be paid by the bank only if I am able to complete a successful negotiation for you!

I thank you for taking the time to read this valuable information and please contact me for an appointment in my office or your home to discuss and resolve your situation, even if you are not behind in payments. I hope to hear from you.

Erika M. Kay, Broker/Owner, Property Manager
Short Sale & Foreclosure Specialist (NARSFR)
SRES (Senior Real Estate Specialist)
Certified e-PRO

Independent Broker Consultants
1655 E 6th St. Ste A-1, Corona, CA, 92879
Office: 951-734-6447 - Direct: 951-545-3786
E-mail: - Website:
CAL BRE #008047509