There is an unprecedented number of foreclosures in Arizona. More homeowners than ever face the possibility that they will lose their homes because they are unable to pay their mortgage. The Arizona Foreclosure Coalition offers staff and resources to help homeowners find ways to keep their homes. This is a three-hour class taught by one of the nation’s leading consumer advocates/activists in the home retention arena. Help homeowners KEEP their homes and win referrals from those homeowners for many years! THIS CLASS IS NOT ABOUT HOW TO EARN INCOME WITH LOAN- MODIFICATION-FOR- MONEY-PROGRAMS. This class will teach real estate agents how to use legitimate outreach methods to help people save their homes, not get-rich-quick schemes that take advantage of distressed homeowners.

1. Save The Dream 2009 Help Homeowners KEEP Their Homes

2. Frances Flynn Thorsen Extreme Value Strategist CEO SocialebbStrategies and Solutions

3. Truth In HousingMatters host Frances Flynn Thorsen producer/directhor Thor Thorsen

4. The New American Dream Home Ownership Sustainability

5. We make a living by what we get, we make a life by what we give ~ Sir Winston Churchill

6. Foreclosure Glossary Foreclosure Notice of Default (NOD) Notice of Sale (NTS or NFS) Foreclosure Sale REO Lien Junior Liens Deed of Trust

7. New Age Foreclosure Lexicon Home Retention Short Sale Distressed Property Loan Modification Refinance

8. Blame and Complain

10. Real Estate Community REALTORS and Licensees Buyers Sellers Distressed Homeowners

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13. Lenders Servicers Attorneys Government Nonprofits

14. Other Players

15. Alexis McGee Alexis McGee ForeclosureS.com ForeclosureScam White Knight Investor Shark Bait Edition 5.1 -

17. Roger Butcher

19. Certified Distressed Property Expert

20. Bernice Ross, Ph.D Author Columnist Speaker.

21. Joseph Ferrara, attorney Attorney Blogger Consumer Advocate

22. Piccola Dowling Realtor Poet Mom

23. Be wary of calling yourself an expert. Almost overnight, companies have sprung up offering you the chance to become “certified” as a specialist in short sales or REOs. Although some of the programs might provide good training, you can invite trouble if you go overboard and market yourself as an expert,” said Chuck Kasky, director of legal affairs for the Maryland Association of REALTORS®.

24. Use Web 2.0 Blogs Facebook Twitter Videos

25. FHA Secure What was that all about?

26. … and MORE! Freddie Mac Fannie Mae

27. HUD Certified Counselors pre-qualifying buyers screen for eligibility provide paperwork tap emotional and other support Foreclosure Prevention

28. www.DontBorrowTroubleAZ.org HOTLINE- 520-792-3087

29. Arizona Foreclosure Prevention Task Force HOTLINE 877-448-1211 24/7

31. Foreclosure Fairs Pima County Legal Aid Freddie Mac United Way Urban League Consumer Credit Counseling Servies

32. The Choices

34. Prepayment Forbearance Refi Restructure

35. HOPE NOW Counselors, investors, lenders Assist homeowners with subprime mortgages. Freezes adjustable 'teaser' interest rate for five years.

36. Project Lifeline “Seriously delinquent” homeowners 90 days late 30-day suspension 1.3 million loans

37. Real Estate Licensee?

38. Risk Management Loan Modification Short Sale REO

39. Read the fine print. Some certification companies have an indemnification clause that puts legal costs on your shoulder if they’re included in any lawsuit against you. “Read their disclaimers,” Kasky said.

40. Don't engage in unauthorized practice of law. Other increasingly common practices, such as broker price opinions, negotiations with lenders in short sales, and giving advice to homeowners about seeking a loan modification before they try a short sale, are all practices that might be challenged as either unauthorized practice of law or otherwise outside the scope of sales associates’ license. Even accepting a fee for broker price opinions—in states where they’re allowed—might raise trouble for sales associates who accept fees directly rather than through their broker, Kasky said.

41. Check your E&O coverage. If you help home owners navigate a loan modification, be aware that your E&O policy might not cover your actions if you’re sued, said Michelle Lind, general counsel of the Arizona Association of REALTORS®. Providing such help is considered the business of housing counseling agencies, not brokerages, she said. Similarly, if you handle REOs for a lender, be sure your E&O policy covers property management activity, she said. Many of your tasks in selling REO properties are property management functions: getting utilities turned on, keeping the property secure if it’s vacant, even evicting people.

43. www.DontBorrowTroubleAZ.org HOTLINE- 520-792-3087