	America Foy SF Real Estate Examiner \| Bio My Bio Subscribe RSS Feed Favorites

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America is a fifth-generation San Franciscan who grew up in Bernal Heights. He followed in the family tradition and was licensed as a real estate agent in 2003. America works with Villa Group Real Estate and Mortgage as a senior real estate associate specializing in mortgages. He believes an informed, educated client is a satisfied client and strives to simplify the real estate and loan processes. His motto: “There are no stupid questions.”

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SF Real Estate Examiner's Articles

Showing: Loan modification articles

NPV: Modification killer

I received an email from a reader recently that really upset me. I am reprinting a redacted and edited version of...
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Loan modification scams top 10 warning signs

1 comment

Scams that promise to “rescue” a homeowner from foreclosure are popping up at an alarming rate. Homeowners need to protect themselves and...
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Next steps, options after being denied for a loan modification

One in five homeowners nationwide is upside down on their mortgage. Every day more people are finding themselves in a position where foreclosure is an...
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DIY loan modification tips

2 comments

I want to preface this article with a couple of words of advice. I do not recommend, to anyone, that they attempt to modify their own mortgage.So that...
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Who qualifies for a loan modification

Loan modifications are on most homeowner’s minds these days. There is a huge amount of information available on the net, and in the news about...
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Loan modification hardship letter

6 comments

The application process for a loan modification is very similar to applying for a mortgage with a couple of big differences. When applying to have a...
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Loan modification basics

5 comments

There have been a lot of comments and questions lately about loan modifications. When I first began to offer loan modifications to my clients, I...
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