Is Credit Holding You Back? Not Anymore! www.emgeasycredit.com

Life happens to ALL of us. I have been though it just like many of my clients that I serve and that is certain challenges in life happen, loss of job, income, divorce, health.. economy! You name it! and our credit can become affected.

Many of you may already know that I was a HUD certified housing counselor for many years after the economic crash and I helped SAVE many of my clients homes from foreclosure and I also short sold homes for those clients that simply wanted out of the tremendous negative equity load.

I counseled and coached clients on budgeting and other items to help them get their credit restored. At that time I met George Cole. George was able to help take the load off and work with those clients that had foreclosures, bankruptcy, and other challenges to get those items removed. The process was different then and many things have changed with the credit bureaus. George has grown his company and evolved with the times and is able to reverse negative credit.

Yes that is right. Reverse Negative Credit. The old method has been "dispute dispute dispute" and I have not recommended ANY companies ( outside of Housing Counselors and the Mortgage Company you are working with to get a credit "re score") up until now as you cannot have any items in dispute when you make a mortgage applicaiton and as soon as they come out of dispute the credit score drops. I also did not like all the "membershi[" sites that want you to enroll and pay them monthly the rest of your days as they say they only dispute a few items at at time. 

This is COMPLETELY different. It works. www.emgeasycredit.com  please take a look at the information videos testimonials.. contact their office or hey call me!

Whether you decide to purchase a home or not.. you still need your credit to obtain good interest rates on auto loans and insurance... and even to rent. 

Thank you for reading!
https://www.youtube.com/watch?v=u-1kXeBQ3ZI

Warm Regards,

Latika Archuleta
Citywide Brokers
770-231-2253
www.myatlantaliving.com

Your business is a pleasure!

Fix your Credit! Start with Debt Validation!

In accordance with the Fair Debt Collection Practices Act (FDCPA), you can challenge the validity of a debt. Following is a sample debt validation letter that you can use to request the creditor/collection agency verify that the debt is actually yours and you are legally bound to pay that debt. However, make sure you send the debt validation letter in registered mail.

, 

, 

Re: Acct No 

To Whom It May Concern:

I am writing this letter in response to the phone call/letter received from you on (Date). In conformance to my rights under the Fair Debt Collection Practices Act (FDCPA), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (15 USC 1692g Sec. 809 (b))

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following:

1. Agreement with the creditor that authorizes you to collect on this alleged debt
2. The agreement bearing my signature stating that I have agreed to assume the debt
3. Valid copies of the debt agreement stating the amount of the debt and interest charges
4. Proof that the Statute of Limitations has not expired
5. Complete payment history on this account along with an accounting of all additional charges being assessed
6. Show me that you are licensed to collect in my state; and
7. Your license numbers and Registered Agent

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Thanking you,

Your Signature_______________________

Your Name__________________________

Craigslist Rental Scams - Renters Beware! Protect yourself before giving anyone your money!

Unfortunately I have received several calls on my listings from people telling me that they were getting ready to pay large deposits to rent the homes that I have for sale. 1 person actually sent the deposit via cash app to someone, and another person luckily googled the property address and saw it was listed for sale and called me directly. Scammers are taking active listings that are for sale and rent and placing them on Craigslist as their own rentals to collect money from prospective renters and then disappear. Protect yourself and verify the person owns the property or rightfully has a management agreement from the seller to handle the lease/ transaction. 
But if you are tired of renting now is the time think about a purchase! Beware of Lease Purchase Options as most require a substantial non refundable down payment and if you do not close on the property within the specified time period ( usually 1 year) then you risk losing your money. You are required to put up a typically non refundable deposit on the lease purchase, I have seen on average $5,000 to $10,000 depending upon the home. If you do not meet the terms of the original contract you sign then you will absolutely lose the money that you have given to secure the contract.
Many things can and usually happen that prevent the transaction from closing. 99% of the time they never get worked out. You do not earn any equity , have basically made rent payments and will loose what could have been a down payment for another home.
There are so many benefits to home ownership
Stability 
Greater Privacy
Homes typically increase in values - while rental payments increase with no equity
Your costs are predictable and more stable than renting if you have a fixed rate mortgage.
The interest and property tax portion of your payment is tax deductible
Pride in Ownership
I find that it is best to speak with a Realtor, get pre qualified by a reputable lender to discuss your options and timeline to purchase. You will also be made aware of any credit challenges and understand what the down payment and monthly payment will be on the home price range you desire. I have been a Realtor for a long time and have helped many families obtain home ownership and I am happy to help you to! www.latikaarchuleta.com 770-231-2253

Mortgage Do's and Don't for a Smooth Loan Approval!!

TIPS TO MAKE LOAN APPLICATION AND PROCESSING SIMPLE!!

MORTGAGE DO’s!

DO Call us if you have any questions

DO Provide requested documentation promptly and include all items and pages

DO Continue living at your current residence

DO Continue making your mortgage or rent payment

DO Continue to use your credit as normal

DO Keep your SAME job/ Employer

DO Stay Current on ALL accounts!

MORTGAGE DON’T’S!

DO NOT QUIT OR CHANGE JOBS!

DO NOT Change marital status

DO NOT Make any major purchases (new car, furniture, appliances, mattress etc)

DO NOT Change bank accounts

DO NOT Make any large cash deposits into your bank account

DO NOT Transfer any balances from one account to another

DO NOT Close any credit card accounts

DO NOT Consolidate you debt onto one or two credit cards

DO NOT Max out or over charge credit cards

DO NOT Bounce a check

DO NOT Allow a bank account to go negative

DO NOT Take out a new loan or co-sign on any loan

DO NOT Pay off charge off’s or collections without discussing with your loan officer

DO NOT Finance any medical procedures

DO NOT Join a fitness club

DO NOT Open a new cell phone account

DO NOT Have your credit pulled by ANY company.

DO NOT Accept “Pre-Approved” offers

DO NOT Have your credit pulled or dispute any information on your credit report.

4 Secrets To A Stress Free Transaction for Buyers :-)

Curious About Your Homes Value?

Educators can get money to help them buy homes in expensive areas they teach in!

https://www.landed.com/

The Process

1

Your dream home cost: $500,000

(Home prices may be higher or lower in your area. This example is based on a home in Denver, Colorado.)

2

You need a $100,000 down payment

But that seems nearly impossible!

3

You can partner with Landed to get the $50,000 you need today

There are no monthly payments to Landed, and our fund helps more educators.

4

We help you find your dream home and contribute to the down payment

In this $500,000 home example, you put in $50,000, Landed puts in $50,000, and the bank provides a $400,000 loan.

5

Your dream home becomes your real home

You pay the costs of ownership but don’t make any monthly payments to Landed.

Some time passes, while you live happily in your home

6

Landed makes its return on investment when you sell or buy out the investment

For giving you half of your down payment, you'll share 25% of the investment gain or loss with Landed.

7a

If your home goes up in value,
 both you and Landed win

Sale Price	$600,000
Gain	+$100,000
Landed’s share of gain	+$25,000
Landed’s down payment	$50,000
Landed Keeps	$75,000
Your share of gain	+$75,000
Your down payment	$50,000
Mortgage principal paid down	$85,000
You Keep	$210,000

7b

If your home goes down in value,
 both you and Landed lose

Sale Price	$400,000
Loss	-$100,000
Landed’s share of Loss	-$25,000
Landed’s down payment	$50,000
Landed Keeps	$25,000
Your share of loss	-$75,000
Your down payment	$50,000
Mortgage principal paid down	$85,000
You Keep	$60,000

These are estimates only. Contact us for more information. 
“Mortgage principal paid down” is based on staying in your home for 10 years. You can learn more about your mortgage here.

Frequently Asked Questions

Where is Landed currently available?

Landed is currently available to employees of specific public K-12 school districts, colleges, and universities in expensive areas of California, Colorado, and Washington. You can view the list of counties here. 

If that's you, please reach out to us here or email us at customer@landed.com!

We are in the process of expanding to other cities across the United States, so you are welcome to sign up even if your city is not eligible yet. :)

Is down payment support the only thing you offer?

Landed offers more than down payment support. We're committed to supporting the educators we serve. So even if you're not ready to buy a home, we would love to speak with you. You can set up a time to chat with us after signing up here.

We also provide:

• A Homebuyer Team, including our Landed Agent Network
• Financial Coaching
• Homebuying Education

Get Started!

Read More FAQ!