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Networking at the Rooftop

Many people believe that it’s all about who you know. Making connections is important to succeed in the business world; however, networking is not just about collecting contacts, it is about planting relations and making it grow. The VLG staff did just that during the Networking Mixer last Thursday at the office’s rooftop. See some of … Continue reading

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VLG Team in Action

“Coming together is a beginning. Keeping together is progress. Working together is success.” – Henry Ford On Wednesdays, we conduct our weekly meetings to ensure that everyone is working together to succeed in their respective tasks and goals. See our VLG team in this week’s session: From left to right: Stephen Vokshori (Managing Attorney), Nikta Yazdi … Continue reading

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T.G.I.M.

Monday is not the day to be back at the grindstone. Monday is the day to be back at your passion. Turn your dreams into goals, and action them into reality. We are back at our passion of helping as many people save their homes. What about you? What are you passionate about?

Home Loan Rate to Rise with Expected Fed Rate Hike

 Fed policymakers have signaled an increase in the federal funds rate for the first time since 2006. While it is still unclear when the rate hikes will kick in, we always knew that when rates were reduced to nearly 0% back in 2008 it would not last forever. While higher rates raise the cost of … Continue reading

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Underwater Homeowners in Decline, Yet Many Are Still Drowning

More than 15 million homeowners owed more than their homes were worth at the peak of the housing crash, but due to foreclosures, short sales, and rising home values, the number is brought down to nearly half at the end of Q1 2015. The decline in the number of underwater homeowners, from 16.9% in Q4 … Continue reading

The New FICO Credit Score

FICO, an analytics software services company brings about great news for today’s consumers. Thanks to the release of this new credit scoring model called the FICO Score 9, it looks as though consumers can better appeal their creditworthiness to lenders. According to FICO, “the new FICO® Score 9 introduces a more nuanced way to assess … Continue reading

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Staying Afloat with an Underwater Mortgage

    For those with underwater mortgages, it is nearly impossible to stay afloat in the turbulent seas of the housing market. The U.S. Home Equity & Underwater Report for September 2013  states that 10.7 million residential homeowners nationwide owe at least 25% or more on their mortgages than their properties are appraised for. Of course … Continue reading

Tax Hikes Ahoy!

This time next year, don’t be surprised if you see a sharp hike in your property taxes. Though this change might seem suddenly out of the blue, you’re looking at a budget-revenue reform effort close to thirty years in the making. Lobbyist groups California Tax Reform Association (CTRA) and California Calls among others are pushing … Continue reading

What Congress Has In Store for California Homeowners

Mortgage Debt Cancellation Homeowners that are interested in loan modification or short sale should be familiar with the expiration of the mortgage debt cancellation provision, which ends Dec. 31, 2012.  The mortgage debt forgiveness issue is only one of approximately 60 expiring tax provisions that Congress appears unable to extend prior to its recess for … Continue reading

An Alternative to Foreclosure?

It is no surprise that foreclosures are increasing all over the country because so many homeowners have fallen so deep into debt, it is inevitable they will lose their homes. The National Association of Consumer Bankruptcy Attorneys (NACBA), reports that “an estimated 6.7 million homes already have been lost to foreclosure and that number is … Continue reading

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