In today’s world of foreclosures, short sales, loan modifications, economic recession, job loss and an economy that is changing daily many people are confused not only about what is going on, but how to find specific guidance to make informed choices. In previous markets it was easier for most people to draw conclusions by talking to family, friends and associates. As the complexity of the current real estate recession has increased the need for professional consultation has grown in direct proportion to the number of choices avaialbe. The complexity of today’s choices has added more consequences to the actions of the average citizen. Following is a quick look at some “go to” people that can help you in these difficult times.
Family, Friends and Clergy: When facing tough choices it is always good to touch base with your core values and the core people in your lives. Many people have averted disaster by avoiding bad decisions as they have sought counsel from friends, clergy and loved ones. While your friends may not have the expertise to guide you through legal, credit and financial matters, they offer a bedrock of confidence and support on which to base your decisions, as well as a listening ear. Sometimes just talking your issues through can give you clarity.
Mortgage Professionals: People who are facing foreclosure or bankruptcy often ask, “how will this affect my credit?” Loan officers are uniquely qualified to answer general and specific questions and guide you to credit recovery. Degrogatory credit experiences should not be the end of your credit life. If you intend to have good credit in the future it is in your best interest to find a loan officer that will go the distance with you through your credit recovery.
Local Realtors: Realtors offer a thorough understanding of today’s market as well as the saleability of your home. Detailed statistics about market trends provide an overview of the greater market. A Realtor’s “street view” can assist you in understanding local issues. Many Realtors facilitate more real estate transactions in a month than most people will experience in a life time. This constant selling of homes provides detailed understanding of the pitfalls and benefits of real estate transactions.
Certified Public Accountants: CPAs are familiar with how to prepare you to minimize tax consequences. A CPA can give you detailed information about tax rules enabling you to make decisions based on their professional expertise.
Attorneys: If you are considering bankruptcy, foreclosure or have any questions whatsoever about the legal ramifications of the choices your are considering, consult an attorney. Many attorneys offer an initial free consultation either on the phone or in person.
In navigating the difficult choices that many will make in these troubled economic times it is critical to seek competent advice. Many have made decisions based on false information found online, on TV or from casual conversations. The stakes are too high and the help available is too valuable to not seek professional advice.
For futher information visit: www.JeffGreen.PMZ.com or email jeffgreen@pmz.com
The Lodi Association of Realtors® released this special alert for Stockton and Lodi area agents:
Attention PMZ Real Estate Professionals! We are pleased to announce that 
