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J J & J Landscape Management Inc.

Wendy Vuong:  (510) 304-3199       wvuong@3jLandscape.com

Steven Chau:    (510) 396-6945           schau@3jLandscape.com

professional landscape management, landscape maintenance serving in the Bay Area, Alameda, San Mateo, San Jose, Menlo Park, Sunnyvale,
Palo Alto, Saratoga, San Mateo, Milpitas, Evergreen, Cupertino, Fremont, Pleasanton, East Bay, Burlingame, Silicon Valley, Oakland, Union City,
San Francisco
Real Estate in Fremont
To our Buyers

Please contact me if you need a complete list of
properties for sale. I can provide the complete
Santa Clara and East Bay lists such as:

  •        REO ( Bank Owned Property)
  •        Short sale properties
To our Sellers

Please contact me if you need to sell your
property. If your house is listed by me, the following
services will be  provided:

  • Free staging advice from professional .
  • Free advice by professional landscapers to
    make sure your yards look nice and clean.
  • Free rental truck with lift gate is used during
    stagging and moving furniture to your new
    house.
  • Repairs are advised by qualified contractors.
  • Hold open house weekends with advertising.
  • Internet promotion: ColdWell Banker websites,
    MLSlistings.com, Realtor.com, Youtube.com.
Options for Distressed Homeowners

1. Refinance through Home Affordable
Refinance Program (HARP).

  • owner occupied.
  • owned or backed by Fannie Mae or Freddie
    Mac
  • Loan to value (LTV) ratio is above 80% but
    not more than 125%
  • Has enough income to support new
    mortgage payments.

2. Home Affordable Modification Program
(HAMP).

  • owner occupied
  • unpaid principal balance that is equal to or
    less than $729,750 for one unit properties (
    higher limits are available for two, three ..)
  • originated on or before January 1, 2009.
  • payments exceed 31% of borrower's gross
    monthly income.
  • experiences a change in income or other
    financial hardship.
  • At risk of imminent default or in default.
3. Short Sale

  • seller owes more money on the loan than the
    sale of the property.
  • seller is unable or unwilling to bring money to
    closing.
  • In May 2009, the Obama Administration
    announced Foreclosure Alternatives called
    Home Affordable Foreclosure Alternative
    (HAFA). Under this program, borrowers and
    mortgages services are provided incentives
    and documentation is standardized to help
    facilitate short sales or deeds in lieu of
    foreclosure if short sales are not successful.

4. Foreclosure

Occurs when the borrower agrees to trade the
property to the lender in exchange for the
cancellation of the note.

  • Can lower credit score by 200 points or more.
  • Foreclosure remains a public record and on
    credit history for 7 years.
Helpful  Links

  • U.S. Department of Housing and Urban Development
Housing and Urban Development
  • U.S. Department of Housing and Urban Development Guide to Avoiding Foreclosure
Guide to Avoiding Foreclosure
  • Federal Housing Administration
Federal Housing Administration
  • Hope now
Hope
  • Internal Revenue Service
IRS
  • Mortgage rate comparisons
bank rate