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	<title>San Jose-Santa Clara County Real Estate UNCENSORED</title>
	<link>http://sccrealestateuncensored.com</link>
	<description>Real Estate, Mortgage &#38; Credit information - San Jose - Santa Clara County - California</description>
	<lastBuildDate>Wed, 10 Mar 2010 18:49:14 +0000</lastBuildDate>
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		<title>HUD: Homeowners Can Report Scammers to National Complaint Database</title>
		<description><![CDATA[In the midst of the current economic turmoil and foreclosure crisis, millions of distressed homeowners have become vulnerable targets to unscrupulous and sometimes criminal third-party scammers, con-artists, and thieves. These fraudulent individuals are highly mobile and easily able to move from one community to another.
To further strengthen the fight against these scammers, support existing efforts [...]]]></description>
		<link>http://sccrealestateuncensored.com/2010/hud-report-loan-scam/</link>
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		<title>Should You Trust A Forensic Loan Audit?</title>
		<description><![CDATA[Attorney General Edmund G. Brown Jr., the California Department of Real Estate (DRE), and the State Bar of California have been warning homeowners against foreclosure rescue scams for quite some time. It seems to me, however, that they are always one step behind these individuals and businesses taking advantage of financially strapped homeowners.
Today, the office [...]]]></description>
		<link>http://sccrealestateuncensored.com/2010/forensic-loan-audit/</link>
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		<title>Tax-Refund Loans Are Taxpayer Rip-offs But There Are Alternatives</title>
		<description><![CDATA[Tax season is quickly approaching and Attorney General Edmund G Brown Jr. urges Californians to avoid high-cost tax-refund-anticipation loans (RAL) and any company or person who advertises these loans.
RAL&#8217;s are obtained by filing electronically with a tax preparer who works directly with a bank to advance the refund as a loan, but don&#8217;t expect to [...]]]></description>
		<link>http://sccrealestateuncensored.com/2010/tax-refund-loans-alternatives/</link>
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		<title>SB 94: D.O.A. Loan Modifications</title>
		<description><![CDATA[The buzz around Senate Bill 94 (SB 94) being the &#8220;Death Of All Loan Modifications&#8221; faded away just as fast as the controversy T-Pain caused with his comments about Jay-Z and his lead single “D.O.A. (Death of Auto-Tune).”
Jay-Z’s critical lyrics from his lead single sure made artists think twice before using the audio processor to [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/sb-94-doa-loan-modifications/</link>
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		<title>Back For The Second Time in One Year: Foreclosure Help Resource Fair</title>
		<description><![CDATA[The Santa Clara County Association of REALTORS(R) has partnered with the City of San Jose in their efforts to stem the tide of foreclosures by educating at-risk homeowners. The goal is to provide assistance and counseling to help keep families from losing their homes.
With that, the “Foreclosure Help – Preserving Our Community” group will be [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/foreclosure-help-resource-fair-2009/</link>
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		<title>Eight Years Ago But &#8220;It&#8217;s No Less The Pain&#8221;</title>
		<description><![CDATA[It happened 8yrs ago today. It is hard to believe it’s been so long, yet the images sit clear in our memories and the pain fresh in our hearts.
It feels that way because the infamous acts that took place that day touched us all in one way or another. No matter where or what everyone [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/remembering-september-11/</link>
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		<title>Tenants In Foreclosure: Protections Under Federal Law S.896</title>
		<description><![CDATA[Homeowners as well as tenants are having a hard time understanding what they should do and what their rights are when facing foreclosure.
Depending on state laws and city ordinances, tenants generally could be evicted for failure to pay the rent or for breaching the lease contract conditions. Nevertheless, tenants were given 60 day to vacate [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/tenants-foreclosure-protections-federal-law-s896/</link>
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		<title>Foreclosure Help &#8211; Preserving Our Community</title>
		<description><![CDATA[Save April 23, 2009 on your calendar for foreclosure help. Keep reading for the details:
In last week’s press conference, San Jose City Mayor Chuck Reed along with San Jose Director of Housing Leslye Krutko and several members of the “Foreclosure Help – Preserving Our Community” program presented to the public and the media a plan [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/foreclosure-help-sj/</link>
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		<title>Understanding Obama&#8217;s Making Home Affordable REFINANCE plan</title>
		<description><![CDATA[Last week the US Treasury Department released some of the guidelines for the “Homeowner Affordability and Stability plan;” however, the details for refinances and modifications created some confusion even among the professionals in the real estate industry.
[Update April 28, 2009: Home Affordable Refinance Program (HARP) is extended to June 30, 2011]
Much of the confusion came [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-refinance/</link>
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		<title>Understanding Obama&#8217;s Making Home Affordable MODIFICATION plan</title>
		<description><![CDATA[Yesterday, the Treasury Department released some of the detailed guidelines for the &#8220;Homeowner Affordability and Stability Plan.&#8221; The plan includes $75 billion in incentives for lenders to modify the loans of struggling homeowners which will run through December 31, 2012. These incentives are under the &#8220;Making Home Affordable Modification&#8221; program.
[Update April 28, 2009: The inclusion [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/obama-making-home-affordable-modification/</link>
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		<title>Would You Like Paper or Plastic For a Quarter?</title>
		<description><![CDATA[While President Barack Obama is pushing for cleaner, more efficient cars by possibly allowing California and other states to impose tougher auto emission standards on carmakers, the City of San Jose is also looking to be more environmentally friendly.
The City of San Jose is considering adopting an ordinance that would require all retail establishments to [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/would-you-like-paper-or-plastic-for-a-quarter/</link>
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		<title>Pimps and Whores of the Loan Modification Industry</title>
		<description><![CDATA[There are individuals doing loan modifications legally but there are many more doing it illegally. This is a hot business and it is exposing homeowners to fraud now more than ever.
“It’s becoming an issue. As always, people get very clever when they see an opportunity,” said California Department of Real Estate spokesman Tom Pool.
Figuratively speaking [...]]]></description>
		<link>http://sccrealestateuncensored.com/2009/pimps-and-whores-loan-modification-industry/</link>
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		<title>Some Food for Thought: Seven Pounds</title>
		<description><![CDATA[Yesterday, after watching the new Will Smith movie “Seven Pounds,” I was curious to hear the movie critics. Some liked it others did not.
My suggestion for you is not to listen to the movie critics because their job is to critic the movie. And their criticism is narrowly focused on the apparent saintly and immoral [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/seven-pounds-movie/</link>
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		<title>Subprime Wolves are Howling About Mortgage Rates and the Fed Funds Rate Reduction</title>
		<description><![CDATA[Yesterday’s reduction of the Federal Funds rate to a range of 0.000 to 0.250 percent is the lowest record level in history. This news is certainly in the minds of many consumers but, as also explained by Dan Green, it is for the wrong reasons!
Every time the Federal Reserve reduces interest rates, I hear radio [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/subprime-wolves-mortgage-rates-federal-fund-rate/</link>
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		<title>Some Food for Thought: Why Should We Give Thanks If We Have so Many Problems?</title>
		<description><![CDATA[We are facing the worst economic crisis we’ve seen in years. Our economy is getting closer and closer to a full blown recession. Deflation is affecting every business and as a result we may be receiving the so dreaded “pink slip.” We are all loosing our homes even though we’ve tried so hard to negotiate [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/some-food-for-thought/</link>
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		<title>What is a Loan Modification?</title>
		<description><![CDATA[Loan modifications have been, for the most part, the long waited rescue plan for some homeowners who have fallen behind on their payments. Nonetheless, this is not the silver bullet for the foreclosure problems we are going through right now.
Contrary to what the so called “loan modification experts” may say, not everyone qualifies and not [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/what-is-a-loan-modification/</link>
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		<title>Repair Your Credit By Legally Removing All Negative Accounts: It’s All Legal, I promise! (Just Don’t Report It To The Authorities)</title>
		<description><![CDATA[I am sure that by now almost everyone has seen advertisements on the radio, television or the internet from companies or companies affiliated with law firms claiming to be “credit repair experts.” They boldly claim to be successful at removing from credit reports any derogatory accounts including short sales, foreclosures, and bankruptcies.
Most of the claims [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/</link>
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		<title>Two Milpitas Mortgage Brokers Convicted in $10 Million Fraud Case</title>
		<description><![CDATA[It never stops to amaze me how many of the alleged fraud cases here in the Bay Area seem to be connected in one way or another. You will see how at the end of this post.
On October 14 2008, the Santa Clara County District Attorney&#8217;s Office announced that a jury had convicted two mortgage [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/milpitas-mortgage-brokers-convicted-fraud/</link>
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		<title>US Financial Crisis: Whose Fault Is It Anyways?</title>
		<description><![CDATA[Yesterday Henry Paulson, US Treasury Secretary, announced a plan to spend $250 billion to purchase stocks in at least nine major financial institutions. This money infusion would give taxpayers ownership stake on these banks and guarantee a 5% return. It would also help banks build more reserves and in turn ease lending to consumers and [...]]]></description>
		<link>http://sccrealestateuncensored.com/2008/financial-crisis-whose-fault-is-it/</link>
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		<title>I Am Urging Everyone NOT to Vote This Year….…</title>
		<description><![CDATA[This is a very important message!
Believe me, I can’t stress enough how important it is that you DO NOT VOTE in the Presidential election this year. This is why&#8230;&#8230;.
[youtube]http://www.youtube.com/watch?v=0vtHwWReGU0[/youtube]
Parental Advisory: Video Uncensored
[youtube]http://www.youtube.com/watch?v=g_Ww_hTptGA[/youtube]
Register to Vote here. Follow the link and find the voter registration information near you.
Exercise your right to vote!
]]></description>
		<link>http://sccrealestateuncensored.com/2008/do-not-vote-2008-election/</link>
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