Realtor Magazine - 2 articles that go hand in hand

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Today Realtor Magazine had 2 stories I thought really went well together. The first was about new short sale guidelines from the government to assist homeowners and to encourage lenders to work out the situation & leave the homeowner alone after the sale with no further liablitity. The second article was about how in the coming months homeowners with Option-ARM loans especially from 2004 could be seeing steep hikes in their mortgage bills. I thought both were topical after the announcements over the last few days about the Making Home Affordable program.

Government Announces Short Sales Guidelines
The U.S. Treasury Department announced new guidelines this week designed to make short sales go more smoothly.

To qualify under these new guidelines:

• The property must be the home owner’s principal residence.
• The home owner must be delinquent on the mortgage or close to defaulting.
• The loan must have been made before Jan. 1, 2009, and be for less than $729,750.
• The borrowers’ total monthly mortgage payment must exceed 31 percent of their before-tax income.

Under the plan, borrowers will receive $1,500 from the government for selling homes for less than the amount of their mortgages. Mortgage-servicing companies will get $1,000 for each completed short sale. Second-mortgage holders can receive up to $3,000 of the sales proceeds in exchange for releasing their liens. Investors who hold the first mortgage can collect up to $1,000 from the government for allowing the payments.

Borrowers who complete a short sale under the program must be "fully released" from future liability for the debt, according to the guidelines.

Source: Associated Press, J.W. Elphinstone (11/01/2009) and The Wall Street Journal, Ruth Simon (11/01/2009)

The Second Story:

Option-ARM Borrowers Facing Resets
About 93 percent of option-ARM buyers chose to pay a minimum amount less than the interest due, according to a report released last week by Standard & Poors. That means that nearly all of the 350,000 option-ARM borrowers now owe more than they owed when they first purchased their homes.

Many of these loans were written in 2004 and are close to their five-year reset when the loans convert to a standard amortization. Some more recent loans will reset early if the accumulated interest has pushed the loan-to-value ratio above 110 percent.

In one example outlined in the S&P report, the payment on a $400,000 mortgage goes from $1,287 to $2,593.

The authors of the report say that many ARM borrowers aren’t good candidates for refinancing or modification because their loan-to-value ratios are too high for the government’s Making Home Affordable program. Also, about 80 percent of option-ARM loans were stated-income loans and borrowers could be held legally liable for deliberate inaccuracies on their original applications.

Source: CNNMoney.com, Les Christie (11/26/2009)

Mortgage Re-finance program - Making Home Affordable Program

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With the holidays & winter upon us and uncertainty in the job market more and more homeowners are looking into refinancing their mortgages. The federal government has a program called Making Home Affordable Program www.MakingHomeAffordable.gov .

To find out if you might be eligible visit http://www.makinghomeaffordable.gov/borrower-faqs.html to find answers to common questions and links to various qualifiers and requirements. Homeowners should at least keep this in mind or share the info with friends/family that are struggling to afford their homes. The program is pretty generous in the allowances but there are some timeframes involved with the program that need to be paid attention to.

This week the Obama adminstration was calling on many of the largest lending institutions to make sure they were being pro-active in the mortgage relief efforts. The lending industry lobbied hard to defeat efforts to allow federal bankruptcy judges from being the venue to modify troubled mortgages and they're being monitored closely to make sure they live up to their promises.

Also, yesterday was the old deadline for the First Time Homebuyer Progam that just recently got extended. We've noticed continued movement in the local market here in Medford, MA and Greater Boston in general. We'll have to be on the watch for foreclosure activity and the source/reasons for continued lender action.

12/01/2009 Upcoming Auctions in Middlesex County, MA

Image by ART LEWIS via Flickr

More Counties Available @ http://www.medfordhouse.com/foreclosures.asp

MIDDLESEX NORTH

Billerica
12/03/09 12:00 PM 31 Hattie Ln
Owner:Christine M Kemp
Lender:MERS Deposit:$5,000
Bk/Pg:19309/110 D:09/20/05
Source:Billerica Minute-Man (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/09/09 11:00 AM 55 Rogers St
Owner:John C Mercer
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:19743/3 D:01/13/06
Source:Billerica Minute-Man (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/16/09 10:00 AM 218 Rangeway Rd U:264
Owner:Richard F Rajabi
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:16907/1 D:02/26/04
Source:Billerica Minute-Man (11/19/09)
Atty:Jon S Davis 781-834-9181

Carlisle
12/03/09 10:00 AM 58 Buttrick Ln
Owner:Sharon L Stables
Lender:Landwest Inc Deposit:$5,000
Bk/Pg:201/8 D:08/05/99
Source:Sun (The) (11/19/09)
Atty:Barbara Maloney 978-452-3221

Chelmsford
12/03/09 11:00 AM 55-57 Dunstable Rd
Owner:Han Ok Ko
Lender:MERS Deposit:$5,000
Bk/Pg:20870/242 D:01/02/07
Source:Chelmsford Independent (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/09/09 03:00 PM 54 Riverneck Rd
Owner:Kelly Mitchell
Lender:One West Bk Deposit:$5,000
Bk/Pg:20067/102 D:04/27/06
Source:Chelmsford Independent (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 12:00 PM 9 Clarissa Rd
Owner:Thomas Newcomb
Lender:Soverign Bk Deposit:$5,000
Bk/Pg:15027/47 D:03/05/03
Source:Chelmsford Independent (11/19/09)
Atty:Marinosci Ceritto&Shap 401-234-9200

12/10/09 02:00 PM 15 Harvard St
Owner:Edward Bou-Nassif
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:22024/47 D:03/17/08
Source:Chelmsford Independent (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/14/09 03:00 PM 271 Boston Rd
Owner:Brian Haskell
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:19760/171 D:01/20/06
Source:Chelmsford Independent (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/15/09 01:00 PM 3 Kirby Ln
Owner:James J Kennedy
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:15402/161 D:06/02/03
Source:Chelmsford Independent (11/19/09)
Atty:Salter Mcgowan&sylvia Inc 401-274-0300

Dracut
10/07/09 02:00 PM 1288 Bridge St
Owner:David L Lavoie
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:20585/14 D:10/05/06
Source:Sun (The) (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 10:00 AM 1794 Bridge St U:19
Owner:Leo R Sousa
Lender:Enterprise B&T Co Deposit:$10,000
Bk/Pg:14595/267 D:02/14/03
Source:Sun (The) (11/18/09)
Atty:George Theodorou 978-459-6036

12/10/09 10:00 AM 100 Merrimack Ave U:67
Owner:Caroline K Shean-Levine
Lender:US Bk Deposit:$5,000
Bk/Pg:19520/203 D:10/20/05
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 09:00 AM 40 Vinal St
Owner:Patricia A Earle
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:16848/41 D:02/03/04
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/14/09 12:00 PM 1390 Broadway Rd
Owner:William E Tarr
Lender:GMAC Mortgage LLC Deposit:$10,000
Bk/Pg:19523/153 D:11/10/05
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 10:00 AM 95 Tennis Plaza Rd U:7
Owner:Steven C Brown
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:19713/169 D:12/30/05
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/16/09 02:00 PM 11 Allen St
Owner:Daniel J Lheureux
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:18692/99 D:04/23/05
Source:Sun (The) (11/18/09)
Atty:Korde & Associates 978-256-1500

Lowell
10/14/09 03:00 PM 7 Mariposa Ave
Owner:Tina Srouy
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:18117/254 D:11/18/04
Source:Sun (The) (11/19/09)
Atty:Harmon Law Offices 617-558-0500

10/20/09 10:00 AM 1-3 Farnham St
Owner:Sonny Sin
Lender:Emc Mortgage Corp Deposit:$10,000
Bk/Pg:20729/211 D:11/16/06
Source:Sun (The) (11/19/09)
Atty:Ablitt Law Offices 781-246-8995

12/02/09 01:00 PM 29 18th St
Owner:Tara E Pelletier
Lender:US Bk Deposit:$10,000
Bk/Pg:20581/219 D:10/05/06
Source:Sun (The) (11/18/09)
Atty:Harry Castleman 617-227-5660

12/02/09 01:00 PM 440 Parker St
Owner:Mario S Silva
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:20318/21 D:07/14/06
Source:Sun (The) (11/18/09)
Atty:Bendett & Mchugh 860-677-2868

12/02/09 01:00 PM 20 Unsworth St
Owner:David B Mckay
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:21167/199 D:04/19/07
Source:Sun (The) (11/18/09)
Atty:Bendett & Mchugh 860-677-2868

12/03/09 10:00 AM 118 4th Ave
Owner:Richard A Allen
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:18818/155 D:05/09/05
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/03/09 10:00 AM 112 Baldwin St
Owner:Edward Bou-nassif
Lender:MERS Deposit:$5,000
Doc#:243520 D:04/18/07
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/04/09 12:00 PM 619 Stevens St
Owner:James P Moynihan
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:20067/159 D:05/01/06
Source:Sun (The) (11/20/09)
Atty:Ablitt Law Offices 781-246-8995

12/07/09 09:00 AM 8 Cedar St
Owner:Edward Bou-Nassif
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:19047/280 D:07/27/05
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 03:00 PM 94 Orleans St U:96
Owner:Maria Cardarelli
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:22295/209 D:07/01/08
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 12:00 PM 309 Aiken Ave
Owner:Jorge L Zapata
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:19937/191 D:03/23/06
Source:Sun (The) (11/18/09)
Atty:Reneau Longoria 978-921-2670

12/10/09 11:00 AM 202 Barker Ave
Owner:Clyde Scott Crandall 2nd
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:20847/116 D:12/18/06
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 11:00 AM 90 Gates St
Owner:Fausto Gomera
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:19616/40 D:12/07/05
Source:Sun (The) (11/18/09)
Atty:Harry Castleman 617-227-5660

12/10/09 02:00 PM 281 Liberty St
Owner:Mok Som
Lender:US Bk Deposit:$5,000
Bk/Pg:19863/26 D:02/24/06
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 01:00 PM 17 Myrtle St
Owner:Jenifer Kuilan
Lender:MERS Deposit:$5,000
Bk/Pg:19015/140 D:07/14/05
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 12:00 PM 44 S Loring St
Owner:Lynn Keefe
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:17747/221 D:08/17/04
Source:Sun (The) (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 01:00 PM 299 Shaw St
Owner:Hoat Theng
Lender:US Bk Deposit:$5,000
Bk/Pg:20933/123 D:01/26/07
Source:Sun (The) (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 12:00 PM 9 Brickett Ave
Owner:Samath Ith
Lender:One West Bk Deposit:$5,000
Bk/Pg:17793/188 D:08/30/04
Source:Sun (The) (11/20/09)
Atty:Bendett & Mchugh 860-677-2868

12/14/09 04:00 PM 223 Adams St U:223
Owner:Holly C Rothschild
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:20850/84 D:12/29/06
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 02:00 PM 65 Christian St
Owner:Antonio M Goncalves
Lender:One West Bk Deposit:$5,000
Bk/Pg:21740/241 D:11/07/07
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 11:00 AM 91 Coburn St
Owner:James T Trenholm
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:10561/194 D:12/06/99
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 10:00 AM 74 Cosgrove St
Owner:Sueli T Reis
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:16983/50 D:03/12/04
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 01:00 PM 24 Crawford St
Owner:Diane Sweeny
Lender:US Bk Deposit:$5,000
Bk/Pg:21076/103 D:03/26/07
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 01:00 PM 93 Epping St
Owner:Stacy Frazier
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:18662/227 D:04/26/05
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 09:00 AM 35 Riverwalk Way U:210
Owner:Kenneth John Chiaramonte
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:20777/2 D:09/28/06
Source:Sun (The) (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/17/09 01:00 PM 10 Corinthian Dr
Owner:Robert J Zullo
Lender:Waterfall Victoria Fund Deposit:$10,000
Bk/Pg:20766/276 D:11/28/06
Source:Sun (The) (11/18/09)
Atty:Reneau Longoria 978-921-2670

12/17/09 09:00 AM 129 Warwick St
Owner:Vannga Nguyen
Lender:MERS Deposit:$5,000
Bk/Pg:15816/286 D:07/25/03
Source:Sun (The) (11/19/09)
Atty:Shechtman Halperin Savage 401-272-1400

Tewksbury
12/03/09 02:00 PM 77 8th St
Owner:Holly L Eaton
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:19423/148 D:10/21/05
Source:Tewksbury Advocate (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 03:00 PM 34 Bay State Ave
Owner:Ralph A Grande
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:18273/170 D:12/28/04
Source:Tewksbury Advocate (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

MIDDLESEX SOUTH

Acton
12/11/09 02:00 PM 117 Concord Rd
Owner:Judith Becker
Lender:MERS Deposit:$5,000
Doc#:1221448 D:08/01/02
Source:Beacon (11/19/09)
Atty:Jon S Davis 781-834-9181

Ashland
12/04/09 04:00 PM 139 Leland Farm Rd U:139
Owner:Maureen T Powderly
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:25012/421 D:11/18/94
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 10:00 AM 106 Captain Eames Cir U:106
Owner:Siuling Chow
Lender:One West Bk Deposit:$5,000
Bk/Pg:47082/237 D:03/03/06
Source:Metro West (11/20/09)
Atty:Bendett & Mchugh 860-677-2868

12/11/09 09:00 AM 25 Stagecoach Dr
Owner:Roger Cox
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:50073/69 D:08/31/07
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

Bedford
12/10/09 02:00 PM 3 Copeland Dr
Owner:Gilda Schneider
Lender:HSBC Mortgage Svcs Inc Deposit:$10,000
Bk/Pg:41926/275 D:01/30/04
Source:Boston Globe (11/18/09)
Atty:Ablitt Law Offices 781-246-8995

12/10/09 11:00 AM 7 Nickerson Rd
Owner:Barry Dyment
Lender:US Bk Deposit:$5,000
Bk/Pg:43791/350 D:09/22/04
Source:Bedford Minute-Man (11/19/09)
Atty:Bendett & Mchugh 860-677-2868

Boxboro
12/04/09 03:00 PM 33 Leonard Rd U:33
Owner:Jennifer A Shepard
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Doc#:1375163 D:05/27/05
Source:Beacon (11/19/09)
Atty:Harmon Law Offices 617-558-0500

Burlington
12/10/09 12:00 PM 300 Cambridge St
Owner:Quang Minh Tran
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:49181/377 D:03/26/07
Source:Burlington Times-Union (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 03:00 PM 3 Great Pines Ave
Owner:Christopher J Blouin
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:46752/80 D:12/29/05
Source:Burlington Times-Union (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 01:00 PM 9 Radcliff Rd
Owner:Jean Ducarmel-Destin
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:48525/92 D:11/15/06
Source:Burlington Times-Union (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/14/09 11:00 AM 16 Druid Hill Ave
Owner:Mukul Kumar Verma
Lender:JP Morgan Chase Bk Deposit:$5,000
Doc#:1392530 D:10/21/05
Source:Burlington Times-Union (11/19/09)
Atty:Jon S Davis 781-834-9181

Cambridge
12/03/09 02:00 PM 2 Arlington St U:2
Owner:Lan Lam
Lender:MERS Deposit:$5,000
Bk/Pg:49819/100 D:07/23/07
Source:Cambridge Chronicle (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/08/09 02:00 PM 8-12 Museum Way U:N229
Owner:Avtar Singh
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:48105/242 D:08/31/06
Source:Cambridge Chronicle (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 12:00 PM 149 Cherry St
Owner:Ousseynou Diagne
Lender:US Bk Deposit:$5,000
Bk/Pg:48181/560 D:09/13/06
Source:Cambridge Tab (11/20/09)
Atty:Orlans Moran PLLC 617-502-4100

Concord
12/15/09 11:00 AM 39 Partridge Ln
Owner:Jane Turner Michael
Lender:Sutton Funding LLC Deposit:$10,000
Bk/Pg:49578/197 D:06/04/07
Source:Concord Journal (11/19/09)
Atty:Reneau Longoria 978-921-2670

Framingham
12/03/09 04:00 PM 126 Beaver St U:19
Owner:Desiree Nascimento
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:45596/176 D:07/08/05
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 02:00 PM 109 Everit Ave
Owner:Marcreires Deoliveira
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:46751/406 D:12/23/05
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 01:00 PM 29 Gordon St U:307
Owner:Arlete Ambrosio
Lender:JP Morgan Chase Spec Mtg Deposit:$5,000
Bk/Pg:42454/401 D:03/20/04
Source:Metro West (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/04/09 09:00 AM 48 Badger Rd
Owner:Hoa Truong
Lender:Suntrust Mortgage Inc Deposit:$5,000
Bk/Pg:45707/542 D:07/26/05
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 03:00 PM 22 Desoto Ave
Owner:Salim Shah
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:48639/575 D:12/05/06
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 10:00 AM 502 Hollis St
Owner:Rodrigo Andrade
Lender:One West Bk Deposit:$10,000
Bk/Pg:49740/487 D:06/29/07
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 03:00 PM 169 Newbury St
Owner:Howard Schulman
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:37134/374 D:11/15/02
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 01:00 PM 15 Weld St U:46
Owner:Ademir Borges
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:41412/262 D:11/10/03
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 12:00 PM 137 Winthrop St U:21A
Owner:Solange Desouza
Lender:One West Bk Deposit:$5,000
Bk/Pg:48400/175 D:10/27/06
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 12:00 PM 1321 Worcester Rd U:108
Owner:Matthew Paskow
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:47986/170 D:08/15/06
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 11:00 AM 15 Willis St U:19
Owner:Elaine K Tsang
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:49111/460 D:03/12/07
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 10:00 AM 9 Weld St U:25
Owner:Renato Gomes
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:39845/479 D:06/25/03
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/18/09 03:00 PM 41 Belvidere Ave
Owner:Stephen J Odonnell
Lender:Household Finance Corp 2 Deposit:$10,000
Bk/Pg:41524/580 D:11/26/03
Source:Metro West (11/19/09)
Atty:Reneau Longoria 978-921-2670

12/30/09 10:00 AM 639 Concord St
Owner:Kayed S Khalil
Lender:Eastern Bk Deposit:$10,000
Bk/Pg:43791/481 D:09/24/04
Source:Metro West (11/19/09)
Atty:Robert L Marder 781-592-8154

Holliston
12/11/09 11:00 AM 222 Oak St
Owner:Dan Buie
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:46718/51 D:12/22/05
Source:Metro West (11/20/09)
Atty:Peter V Guaetta 978-250-0999

Hopkinton
12/04/09 09:00 AM 209 Hayden Rowe St
Owner:Bryan Bento
Lender:JP Morgan Chase Bk Deposit:$5,000
Doc#:1197202 D:12/11/01
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 10:00 AM 4 Teresa Rd
Owner:Karen A Mcdermott
Lender:Citibank NA Deposit:$5,000
Doc#:1406821 D:04/01/06
Source:Metro West (11/20/09)
Atty:Peter V Guaetta 978-250-0999

12/14/09 01:00 PM 8 Glen Rd
Owner:Robert E Mckinnon
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:47872/254 D:07/21/06
Source:Metro West (11/20/09)
Atty:Jon S Davis 781-834-9181

Hudson
12/03/09 11:00 AM 128 Manning St
Owner:Paulo C Ribeiro
Lender:MERS Deposit:$5,000
Bk/Pg:50635/589 D:01/18/08
Source:Metro West (11/19/09)
Atty:Jon S Davis 781-834-9181

12/03/09 11:00 AM 30 Old Stow Rd
Owner:Robert Visco
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:48623/540 D:12/04/06
Source:Metro West (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/11/09 04:00 PM 278 Manning St U:1402
Owner:Jacqueline Amaral
Lender:Central Mortgage Co Deposit:$5,000
Bk/Pg:43419/85 D:07/29/04
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

Lincoln
12/04/09 11:00 AM 59 S Great Rd
Owner:Glenn Shaye
Lender:Wainwright B&T Co Deposit:$25,000
Bk/Pg:21775/507 D:02/14/92
Source:Concord Journal (11/19/09)
Atty:Cumsky & Levin LLP 617-492-9700

Marlborough
12/03/09 01:00 PM 168 Boston Post Rd E
Owner:Maria D P Gouvea
Lender:One West Bk Deposit:$5,000
Bk/Pg:46958/350 D:02/07/06
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 10:00 AM 48 Porter Rd
Owner:Andrea M Connolly
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:48055/359 D:08/25/06
Source:Metro West (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/03/09 09:00 AM 6 Winter Ave
Owner:Marilene O Rosa
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:47919/393 D:07/31/06
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 03:00 PM 300 Millham St
Owner:Susan M Hillcoat
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:49822/31 D:07/17/07
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/04/09 01:00 PM 17 State St
Owner:Leidiomar G Demoraes
Lender:US Bk Deposit:$5,000
Bk/Pg:44939/392 D:04/04/05
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 02:00 PM 206 Bolton St U:3
Owner:Marcus V Lobo
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:45944/551 D:08/24/05
Source:Metro West (11/19/09)
Atty:Reneau Longoria 978-921-2670

12/10/09 11:00 AM 37 Hosmer St U:2
Owner:Elinamar Zamperline
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:47013/123 D:02/22/06
Source:Metro West (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 12:00 PM 290 Bolton St
Owner:Carolyn A Fisher
Lender:US Bk Deposit:$5,000
Bk/Pg:48229/526 D:09/19/06
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 02:00 PM 61 Fairmount St U:18
Owner:Rogerio M Dosreis
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:45102/181 D:04/29/05
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 04:00 PM 10 Neil St
Owner:Candice L Stevens
Lender:One West Bk Deposit:$5,000
Bk/Pg:48616/546 D:12/05/06
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/11/09 11:00 AM 61 Patten Dr
Owner:Linda M Tatten
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:49382/381 D:04/25/07
Source:Metro West (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/17/09 02:00 PM 290 Glen Charlie Rd
Owner:Tucy Enterprises Inc
Lender:Digital FCU Deposit:$50,000
Bk/Pg:20141/104 D:07/03/01
Source:Wareham Courier (11/19/09)
Atty:Murray J Lukoff 508-999-1332

12/17/09 02:00 PM 108 South St U:1
Owner:Joao B Bastos
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:48031/340 D:08/10/06
Source:Metro West (11/18/09)
Atty:Reneau Longoria 978-921-2670

Melrose
12/09/09 12:00 PM 39 Altamont Ave
Owner:Winifred M Doherty
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:44385/255 D:12/28/04
Source:Melrose Free Press (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 03:00 PM 93 Lebanon St
Owner:Jaimie Dovale
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:43249/444 D:06/30/04
Source:Melrose Free Press (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 01:00 PM 10-12 Winthrop St
Owner:Karen A Crowley-soto
Lender:RBS Citizens NA Deposit:$7,500
Bk/Pg:40970/443 D:08/19/03
Source:Melrose Free Press (11/19/09)
Atty:Lawrence P Cohen 617-332-4700

Natick
12/17/09 04:00 PM 3 Westview Rd U:1
Owner:Rachel Mcneil
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:47351/321 D:04/21/06
Source:Natick Tab (11/20/09)
Atty:Harmon Law Offices 617-558-0500

12/18/09 11:00 AM 212 N Main St
Owner:Nickinello Rlty Corp
Lender:Digital FCU Deposit:$20,000
Bk/Pg:44840/491 D:03/18/05
Source:Metro West (11/19/09)
Atty:Robert Orsi

Newton
12/03/09 01:00 PM 33-35 Sullivan Ave
Owner:Judy M Leung
Lender:GMAC Mortgage LLC Deposit:$10,000
Bk/Pg:46409/286 D:11/02/05
Source:Newton Tab (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 10:00 AM 33 Lawrence Rd
Owner:Susan R Ashare
Lender:US Bk Deposit:$25,000
Bk/Pg:48074/552 D:08/25/06
Source:Newton Tab (11/18/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 01:00 PM 95 Pearl St
Owner:Sharon Stout
Lender:GRP Loan LLC Deposit:$5,000
Doc#:1445539 D:06/06/07
Source:Newton Tab (11/18/09)
Atty:Korde & Associates 978-256-1500

12/14/09 10:00 AM 75 Valentine St
Owner:Boris E Sorkin
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:32020/462 D:11/07/00
Source:Newton Tab (11/18/09)
Atty:Jon S Davis 781-834-9181

Pepperell
12/04/09 09:00 AM 38 Tarbell St U:A
Owner:Dee W Slater
Lender:US Bk Deposit:$5,000
Bk/Pg:45666/344 D:07/20/05
Source:Shirley Oracle (11/20/09)
Atty:Harmon Law Offices 617-558-0500

Shirley
12/11/09 10:00 AM 118 Great Rd
Owner:Andre B Moniz
Lender:One West Bk Deposit:$10,000
Bk/Pg:49577/424 D:06/04/07
Source:Shirley Oracle (11/20/09)
Atty:Ablitt Law Offices 781-246-8995

Somerville
11/30/09 03:00 PM 44-46 Richdale Ave
Owner:John Maccumascaigh
Lender:MERS Deposit:$5,000
Bk/Pg:49500/516 D:05/21/07
Source:Somerville Journal (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 03:00 PM 16 Spring St
Owner:Maicon Nunes
Lender:Chase Home Finance LLC Deposit:$10,000
Bk/Pg:51692/332 D:09/12/08
Source:Somerville Journal (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/08/09 12:00 PM 2 Adrian St
Owner:Devon G Brooks
Lender:HSBC Bank USA Deposit:$10,000
Bk/Pg:49117/427 D:03/08/07
Source:Somerville Journal (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/08/09 12:00 PM 172 Pearl St
Owner:Norma C Pereira
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:49389/563 D:04/30/07
Source:Somerville Journal (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 04:00 PM 65 Grove St
Owner:John K Mansfield
Lender:BAC Home Loan Svcng LP Deposit:$5,000
Bk/Pg:40461/608 D:08/01/05
Source:Somerville Journal (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/10/09 10:00 AM 55 Broadway
Owner:Saniel K Dias
Lender:US Bk Deposit:$5,000
Bk/Pg:48213/77 D:09/20/06
Source:Somerville Journal (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/15/09 11:00 AM 4 Lake St
Owner:Margaret Pedersen
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:45195/319 D:05/09/05
Source:Somerville Journal (11/19/09)
Atty:Harmon Law Offices 617-558-0500

Stow
12/03/09 10:00 AM 272 Great Rd
Owner:Richard A Emberley 3rd
Lender:One West Bk Deposit:$5,000
Bk/Pg:47514/400 D:05/19/06
Source:Maynard Beacon (11/19/09)
Atty:Bendett & Mchugh 860-677-2868

Sudbury
12/11/09 03:00 PM 153 Belcher Dr
Owner:Fulvio Fierimonte
Lender:Bank Of New York Mellon Deposit:$20,000
Bk/Pg:45922/262 D:08/05/05
Source:Sudbury Town Crier (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/17/09 12:00 PM 25 Singletary Ln
Owner:Guy S Neil
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:37761/418 D:01/03/03
Source:Sudbury Town Crier (11/19/09)
Atty:Reneau Longoria 978-921-2670

Waltham
12/02/09 10:00 AM 350-352 Newton St
Owner:Joanne Cardillo
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:45367/493 D:06/07/05
Source:Daily News Tribune (11/18/09)
Atty:Ablitt Law Offices 781-246-8995

12/09/09 02:00 PM 68 Amherst Ave
Owner:Carl J Mills
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:45850/449 D:08/08/05
Source:Daily News Tribune (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 01:00 PM 1105 Lexington St U:6-3
Owner:Paul J Fleming
Lender:HSBC Mortgage Svcs Inc Deposit:$10,000
Doc#:1350362 D:09/27/04
Source:Daily News Tribune (11/18/09)
Atty:Ablitt Law Offices 781-246-8995

12/09/09 11:00 AM 17 Mckenn St
Owner:Rafic I Khoury
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:43692/259 D:09/08/04
Source:Daily News Tribune (11/18/09)
Atty:Ablitt Law Offices 781-246-8995

12/09/09 12:00 PM 143 Montclair Ave
Owner:Jane A May
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:37522/121 D:12/31/02
Source:Daily News Tribune (11/18/09)
Atty:Ablitt Law Offices 781-246-8995

12/10/09 12:00 PM 206 Adams St U:4
Owner:April R Surrette
Lender:MERS Deposit:$5,000
Bk/Pg:49712/249 D:06/29/07
Source:Daily News Tribune (11/19/09)
Atty:Orlans Moran PLLC 617-502-4100

12/10/09 11:00 AM 32 Dartmouth St
Owner:Robert N Lupo
Lender:Rockland Trust Co Deposit:$25,000
Bk/Pg:34340/334 D:12/14/01
Source:Daily News Tribune (11/19/09)
Atty:Thomas E Pontes 508-823-4567

12/10/09 10:00 AM 91 Felton St
Owner:Robert N Lupo Tr
Lender:Rockland Trust Co Deposit:$25,000
Bk/Pg:34340/305 D:12/14/01
Source:Daily News Tribune (11/19/09)
Atty:Thomas E Pontes 508-823-4567

12/10/09 10:30 AM 22 Felton St
Owner:Robert N Lupo Tr
Lender:Rockland Trust Co Deposit:$25,000
Bk/Pg:35889/523 D:07/20/02
Source:Daily News Tribune (11/19/09)
Atty:Thomas E Pontes 508-823-4567

12/10/09 12:00 PM 719-723 Main St
Owner:Robert N Lupo Tr
Lender:Rockland Trust Co Deposit:$25,000
Bk/Pg:14531/308 D:02/03/82
Source:Daily News Tribune (11/19/09)
Atty:Thomas E Pontes 508-823-4567

12/10/09 11:30 AM 45 South St
Owner:Robert N Lupo
Lender:Rockland Trust Co Deposit:$25,000
Bk/Pg:35889/552 D:07/10/02
Source:Daily News Tribune (11/19/09)
Atty:Thomas E Pontes 508-823-4567

12/14/09 02:00 PM 95 Silver Hill Ln
Owner:Peter Hernberg
Lender:Credit Based Asset Llc Deposit:$15,000
Bk/Pg:45553/161 D:06/13/05
Source:Daily News Tribune (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/14/09 12:00 PM 12-14 Turner St
Owner:Brad J Seidel
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:41177/616 D:10/07/03
Source:Daily News Tribune (11/19/09)
Atty:Harmon Law Offices 617-558-0500

12/17/09 03:00 PM 27 Colburn St
Owner:Walter J Ohara
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:47072/69 D:03/08/06
Source:Daily News Tribune (11/19/09)
Atty:Reneau Longoria 978-921-2670

Watertown
12/14/09 01:00 PM 229 Coolidge Ave U:310
Owner:Jonathan Trader
Lender:Citimortgage Inc Deposit:$5,000
Bk/Pg:35041/85 D:03/14/02
Source:Watertown Tab & Press (11/20/09)
Atty:Harmon Law Offices 617-558-0500

Like Tom Bodett said, "We'll leave the light on for you" - Showings during Daylight Savings Time

Image via Wikipedia

With daylight savings time upon us it's good to remind sellers to make sure to leave the lights on for evening showings. I use the famous Motel 6 spokesman Tom Bodett's saying, "We'll leave the light on for you". Sellers should make sure the porch light(s) are working & clear of obstacles, the numbers are easily visible from the road, and the walkway is clear of leaves, snow, ice etc. Remember un-accompanied showing agents may not know where all the light switches are, make sure to turn them on for the showing. Keep stairwells clear & handrails are firmly attached and also the stair treads in good repair. Having all the lights on and working makes buyers feel more at ease looking around and envisioning themselves living there. Replace any broken lightbulbs, consider compact flourescent (CF) lightbulbs.

Hope everyone had a Happy Thanksgiving and a safe & enjoyable holiday season :)

HUD House Alert - Everett MA

Address:	7 ROCK VALLEY AVE, EVERETT MA 02149 (Middlesex county)
Price:	$150,000
As-Is Value:	$150,000
Appraisal Date:	11/20/09
Bed/Bath:	3/1
Rooms:	6
Units:	1
Sqft:	1,122
Year:	1900
LBP Disclosure:	Click here to view the LBP Disclosure Addendum
Type:	Detached
Financing:	Uninsured (UI)
List Date:	11/27/09
List Type:	New
Bid Deadline:	12/06/09 at 23:59:59
Priority:	Owner Occupant
Property Condition:	Click here to view the Property Condition Report
Status:	Property Available for Bidding (Owner Occupant Priority)
MORE INFORMATION:	Only HUD registered Brokers can place a bid. WOLFSON CUTLER REAL ESTATE is a HUD registered Broker www.MedfordHouse.com or www.WolfsonCutler.com

GPS/MLS Mobile Real Estate Search Solution Just Released

Local agent speeds up the house-hunting process in Medford with a real estate search for any cell phone

11/25/2009 (Medford, MA)—One of the top real estate agents in Greater Boston is introducing a way for clients to view all of the homes for sale in the area with any cell phone. Scott Nelson with Wolfson-Cutler Real Estate is providing clients with a mobile real estate search created by Smarter Agent that makes it possible to search all local property listings from their mobile device, regardless of whether it is listed by Scott or another broker or agent. Scott’s mobile real estate search is the only house-hunting tool that works on 95% of cell phones across all carriers.

With Scott’s Smarter Agent application, interested home buyers can be in any neighborhood and view detailed property information at the touch of a button. The GPS technology in the mobile phone, when available, locates users and pulls up addresses and information on listings in their immediate area. Sales price, square footage, tax information, beds/baths, interior and exterior features, pictures and more become available instantly in the palm of their hand.

Consumers can also search by address, community name, city or zip code when GPS is not available, or if they want to search for real estate in an area other than their current location.

The “Call to See” feature within the mobile application will connect users to Scott if they have questions or want to schedule a tour of the property.

“I really enjoy technology and finding unique and helpful tools for my clients and friends, this solution is truly groundbreaking.” said Scott.

Consumers can get Scott’s mobile real estate search on their cell phone by visiting http://mobile.smarteragent.com/wolfsoncutler/scottnelson for easy instructions or by texting SCOTTN to 87778 to receive a text message with a link to download the mobile real estate application.

Smarter Agent is available as a fully downloadable application on hundreds of devices across Sprint, AT&T, T-Mobile and Verizon Wireless. A premium mobile web version is also available on 95% of cell phones. The fully downloadable application is free to download on Sprint devices, BlackBerry devices across all carriers, the iPhone, and Google's Android G-1. The premium mobile web version is free to access.

# # #

About Scott Nelson – www.MedfordHouse.com
Wolfson Cutler Real Estate

10 Important Facts about the Extended First-Time Homebuyer Credit - IRS

Image by kuddlyteddybear2004 via Flickr

With Thanksgiving tomorrow there will be alot of discussion around the table about current events, happenings, news, sports etc. The IRS sent out this notice of 10 Important Facts about the Extended First Time Homebuyers Credit. Good to keep in mind.

10 Important Facts about the Extended First-Time Homebuyer Credit

If you are in the market for a new home, you may still be able to claim the First-Time Homebuyer Credit. Congress recently passed The Worker, Homeownership and Business Assistance Act Of 2009, extending the First-Time Homebuyer Credit and expanding who qualifies.

Here are the top 10 things the IRS wants you to know about the expanded credit and the qualifications you must meet in order to qualify for it.

1. You must buy – or enter into a binding contract to buy a principal residence – on or before April 30, 2010.

2. If you enter into a binding contract by April 30, 2010 you must close on the home on or before June 30, 2010.

3. For qualifying purchases in 2010, you will have the option of claiming the credit on either your 2009 or 2010 return.

4. A long-time resident of the same home can now qualify for a reduced credit. You can qualify for the credit if you’ve lived in the same principal residence for any five-consecutive year period during the eight-year period that ended on the date the new home is purchased and the settlement date is after November 6, 2009.

5. The maximum credit for long-time residents is $6,500. However, married individuals filing separately are limited to $3,250.

6. People with higher incomes can now qualify for the credit. The new law raises the income limits for homes purchased after November 6, 2009. The full credit is available to taxpayers with modified adjusted gross incomes up to $125,000, or $225,000 for joint filers.

7. The IRS will issue a December 2009 revision of Form 5405 to claim this credit. The December 2009 form must be used for homes purchased after November 6, 2009 – whether the credit is claimed for 2008 or for 2009 – and for all home purchases that are claimed on 2009 returns.

8. No credit is available if the purchase price of the home exceeds $800,000.

9. The purchaser must be at least 18 years old on the date of purchase. For a married couple, only one spouse must meet this age requirement.

10. A dependent is not eligible to claim the credit.

For more information about the expanded First-Time Home Buyer Credit, visit www.IRS.gov/recovery .

11/24/2009 Upcoming Auctions in Middlesex County, MA

Image by ruthalice43 via Flickr

More counties available @ http://www.medfordhouse.com/foreclosures.asp

MIDDLESEX NORTH

Dracut
12/07/09 03:00 PM 1295 Bridge St
Owner:Nakry Sisowath
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:21202/149 D:04/27/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

Lowell
11/23/09 10:00 AM 49 Franklin St
Owner:Patrick Perez
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:12413/203 D:11/28/01
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 11:00 AM 125 Branch St
Owner:Janeusa Darocha Simoes
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:21077/278 D:03/23/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 09:00 AM 210 Coburn St
Owner:Daniel R Gionet
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:21749/94 D:11/09/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 10:00 AM 236 Fairmount St
Owner:Margaret B Emmanuel
Lender:Beltway Capital LLC Deposit:$15,000
Bk/Pg:21033/23 D:03/05/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 12:00 PM 64 S Whipple St
Owner:Matthew Arnts
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:21340/173 D:06/13/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 11:00 AM 9 Willow St
Owner:Jose Torres
Lender:Aurora Loan Services LLC Deposit:$5,000
Bk/Pg:21173/105 D:04/21/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 12:00 PM 1036 Middlesex St U:7
Owner:Vuthy Ngoy
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:18694/16 D:05/02/05
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 03:00 PM 59 A St
Owner:Sophin Vong
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:19336/230 D:09/26/05
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 09:00 AM 8 Cedar Ct
Owner:Edward Bou-nassif
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:19047/280 D:07/27/05
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 10:00 AM 43 Clare St
Owner:Vincent I Jackson
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:14877/255 D:03/28/03
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 04:00 PM 185 Mount Vernon St
Owner:Sin Kim Siep
Lender:US Bk Deposit:$5,000
Bk/Pg:18958/41 D:06/29/05
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 03:00 PM 94 Orleans St U:96
Owner:Maria Cardarelli
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:22295/209 D:07/01/08
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 09:00 AM 11 Sidney St
Owner:Nicole S Ryan
Lender:Chase Home Finance LLC Deposit:$5,000
Bk/Pg:22045/3 D:03/20/08
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 04:00 PM 40 Spring Ave U:2
Owner:Heather Wilkinson
Lender:JP Morgan Chase Bk Deposit:$5,000
Doc#:185985 D:09/29/99
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 04:00 PM 710 Stevens St
Owner:Cora Jo Taylor
Lender:HSBC Bank USA Deposit:$10,000
Bk/Pg:20890/142 D:01/08/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/07/09 11:00 AM 220 W 6th St
Owner:Marisol Collazo
Lender:US Bk Deposit:$5,000
Bk/Pg:21127/127 D:04/04/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

Westford
12/07/09 01:00 PM 1 Lasallette Rd
Owner:Timothy G Woodward
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:21071/89 D:03/19/07
Source:Sun (The) (11/13/09)
Atty:Harmon Law Offices 617-558-0500

MIDDLESEX SOUTH

Ayer
12/07/09 02:00 PM 46 Washington St
Owner:Robert N Wilson Jr
Lender:Bayview Loan Svcng LLC Deposit:$10,000
Bk/Pg:47719/278 D:06/27/06
Source:Shirley Oracle (11/13/09)
Atty:Harry Castleman 617-227-5660

Holliston
11/20/09 10:00 AM Indian Ridge Rd U:189
Owner:C Morgan Developers Inc
Lender:Charles River Bk Deposit:$5,000
Bk/Pg:1345/7 D:09/27/07
Source:Metro West (11/13/09)
Atty:Stephen J Kenney 508-533-6711

12/07/09 03:00 PM 434 Chamberlain St
Owner:Julie K Michaud
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:42386/245 D:03/29/04
Source:Metro West (11/13/09)
Atty:Harmon Law Offices 617-558-0500

Hopkinton
12/04/09 11:00 AM 3 Laurel Canyon Dr
Owner:Diane K Reinertson
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:47573/430 D:05/19/06
Source:Metro West (11/13/09)
Atty:Peter V Guaetta 978-250-0999

12/07/09 10:00 AM 9 Leman Ln U:9
Owner:Guy K Hudson
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:43871/473 D:11/01/07
Source:Metro West (11/13/09)
Atty:Bendett & Mchugh 860-677-2868

Marlborough
12/04/09 10:00 AM 35 John St
Owner:Scott Tremelling
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:45232/479 D:05/23/05
Source:Metro West (11/13/09)
Atty:Peter V Guaetta 978-250-0999

Natick
12/11/09 12:00 PM 7 Jackson Ct U:7A
Owner:Peter Sparks
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:47852/130 D:07/19/06
Source:Natick Tab (11/13/09)
Atty:Harmon Law Offices 617-558-0500

Pepperell
12/04/09 09:00 AM 38 Tarbell St U:A
Owner:Dee W Slater
Lender:US Bk Deposit:$5,000
Bk/Pg:45666/344 D:06/20/05
Source:Shirley Oracle (11/13/09)
Atty:Harmon Law Offices 617-558-0500

Townsend
12/09/09 12:00 PM 322 Main St
Owner:Bentley R Herget
Lender:Beneficial Mass Inc Deposit:$5,000
Bk/Pg:34631/410 D:01/17/02
Source:Shirley Oracle (11/13/09)
Atty:Korde & Associates 978-256-1500

Watertown
11/30/09 11:00 AM 73 Union St
Owner:Adenis Camara
Lender:Bank Of New York Mellon Deposit:$15,000
Bk/Pg:47249/206 D:04/06/06
Source:Watertown Tab & Press (11/13/09)
Atty:Harmon Law Offices 617-558-0500

12/09/09 11:00 AM 11 Garnet St
Owner:Kostas G Krouskas
Lender:Huntington NB Deposit:$10,000
Bk/Pg:49442/547 D:05/09/07
Source:Watertown Tab & Press (11/13/09)
Atty:Reneau Longoria 978-921-2670

Woburn
12/04/09 11:00 AM 31 Montvale Ave U:4
Owner:Margaret V Rohio & Gladys M Rohio
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:49177/263 D:03/21/07
Source:Daily Item (11/12/09)
Atty:Harmon Law Offices 617-558-0500

Chinese Drywall Linked to Corrosion - New York Times

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The New York Times wrote a story today about an issue many homeowners down south have had with drywall leeching chemicals causing a host of problems in homes.

http://www.nytimes.com/2009/11/24/business/energy-environment/24drywall.html

Business / Energy & Environment

Chinese Drywall Linked to Corrosion

By LESLIE WAYNE

Published: November 24, 2009

Federal investigators reported a “strong association” between chemicals in Chinese drywall and complaints by homeowners of metal and electrical corrosion.

Building materials are a global commodity today, it used to be that your household renovations or improvements were sourced and supplied locally. The report details problems with hydrogen sulfide and other chemicals being emmitted by drywall said to be from Chinese manufacturers. This is proving to be a difficult set of problems for homeowners finding themselves trying to remedy the situation and ultimately who will pay for the work & associated problems.

Do you go after the local contractor who installed it? Do you go after the local supplier who stocked it? Do you go after the government regulators who oversee importation of goods? Do you go after the chinese exporters? Do you go after the chinese manufacturers? All the while this material sits in your home allegedly damaging your health, property & safety. What can be done and what will be done in the future to avoid this happening again?

Another news reported a group attempting to get a class action lawsuit together to fight for compensation but this could take years, what relief is there in the short term? The report says that this problem is mainly being found in the sunbelt states but it's something that every homeowner everywhere needs to be aware of.

Make sure to consult with any contractor working in or on your property to make sure you get copies of receipts for all materials used and the manufacturer info so that if there is a problem like this with a material used in your property you'll know sooner and be able to protect your rights. Keep these records & make sure you research potential problems with different materials prior to work being completed and accepted. Have a home inspection & environmental testing done ASAP if you suspect problems prior to removal to document the problem. Make sure to save evidence of materials & problems. Check with your local, state & federal consumer protection agency etc. for similar reports. The internet makes this type of information tough to hide, it may take alot of searching though.

It will be interesting to see how this issue is addressed and worked on.

11/16/2009 Upcoming Auctions in Middlesex County, MA

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More Counties Available @ http://www.medfordhouse.com/foreclosures.asp

MIDDLESEX NORTH

Billerica
11/30/09 09:00 AM 6 Kenmar Dr U:10
Owner:Thomas Davy
Lender:PHH Mortgage Corp Deposit:$5,000
Bk/Pg:14914/181 D:03/28/03
Source:Billerica Minute-Man (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 11:00 AM 93 Shawsheen Rd
Owner:John J Shea
Lender:Commerce B&T Co Deposit:$5,000
Bk/Pg:20712/191 D:11/13/06
Source:Sun (The) (11/10/09)
Atty:Howard B Damico 508-842-1900

12/02/09 03:00 PM 29 Richardson St
Owner:Deborah L Jimenez
Lender:Property Asset Mgmt Inc Deposit:$5,000
Doc#:243073 D:03/21/07
Source:Billerica Minute-Man (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 11:00 AM 47 Treble Cove Rd
Owner:Jaime Pfaff
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:21704/194 D:10/26/07
Source:Billerica Minute-Man (11/05/09)
Atty:Reneau Longoria 978-921-2670

Chelmsford
12/02/09 10:00 AM 26 Dunshire Dr
Owner:Brian J Corbett
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Doc#:216626 D:07/18/03
Source:Chelmsford Independent (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Dracut
11/30/09 09:00 AM 9 Cottage St
Owner:Teresa S Thomas
Lender:MERS Deposit:$5,000
Bk/Pg:21898/194 D:01/25/08
Source:Sun (The) (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 10:00 AM 204 Pleasant St U:A3
Owner:Jane A Ceders
Lender:MERS Deposit:$5,000
Bk/Pg:20149/97 D:05/31/06
Source:Sun (The) (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

12/02/09 01:00 PM 145 B St
Owner:Christy Mai
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:18140/230 D:11/30/04
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

Lowell
11/17/09 02:00 PM 66 Epping St U:66
Owner:Damaris N Scott
Lender:MHFA Deposit:$5,000
Bk/Pg:18148/35 D:11/30/04
Source:Sun (The) (11/10/09)
Atty:Shechtman Halperin Savage 401-272-1400

11/17/09 03:00 PM 5 Samuel St
Owner:Nicholas P Fotopolous
Lender:Silva Brothers Inv Inc Deposit:$5,000
Bk/Pg:15712/60 D:07/15/03
Source:Sun (The) (11/09/09)
Atty:Mary C Connell

11/18/09 12:00 PM 190 Humphrey St
Owner:Maryjo Finn-ryan
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:14599/20 D:02/13/03
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 12:00 PM 94 1st St U:7
Owner:Kristen R Perrin
Lender:Nationstar Mortgage LLC Deposit:$5,000
Bk/Pg:20146/255 D:05/31/06
Source:Sun (The) (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 11:00 AM 30 Rhodora St
Owner:Robert P Demont
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:15701/1 D:07/10/03
Source:Sun (The) (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 01:00 PM 58 5th St
Owner:Lorraine M Madden
Lender:Household Finance Corp 2 Deposit:$5,000
Doc#:192655 D:11/29/00
Source:Sun (The) (11/10/09)
Atty:Korde & Associates 978-256-1500

12/02/09 11:00 AM 142 1st St
Owner:Kahled Abdel-fattah
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:13869/90 D:10/21/02
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/02/09 10:00 AM 6 Glidden Ave
Owner:Ernestine N Kebei
Lender:One West Bk Deposit:$5,000
Bk/Pg:19334/1 D:09/30/05
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/02/09 10:00 AM 52 Lawrence Dr U:605
Owner:Daniel J Oconnor
Lender:Countrywide Home Loans Deposit:$5,000
Bk/Pg:20411/188 D:08/16/06
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/02/09 02:00 PM 34 Newhall St U:101
Owner:Erastus Thambo
Lender:Bank Of New York Mellon Deposit:$5,000
Bk/Pg:20721/176 D:11/15/06
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/02/09 01:00 PM 67 Newhall St
Owner:Gerard L Stevens Jr
Lender:One West Bk Deposit:$5,000
Bk/Pg:21872/1 D:01/11/08
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/02/09 09:00 AM 27 Princeton Blvd
Owner:Sida Som
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:21018/17 D:03/02/07
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 02:00 PM 43 Riverside Ave
Owner:Maria Velez
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:18257/184 D:12/30/04
Source:Sun (The) (11/05/09)
Atty:Reneau Longoria 978-921-2670

12/08/09 02:00 PM 3 Terry Ave
Owner:Jennifer L Taylor
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:17546/223 D:06/30/04
Source:Sun (The) (11/10/09)
Atty:Reneau Longoria 978-921-2670

Tyngsboro
11/18/09 01:00 PM 22 Indian Rd
Owner:Edward Demars
Lender:GMAC Mortgage LLC Deposit:$10,000
Bk/Pg:21171/95 D:04/25/07
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

11/18/09 04:00 PM 401 Pondview Pl U:401
Owner:Keith Viscomi
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:20610/239 D:10/18/06
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

12/08/09 12:00 PM 7 Swan Rd
Owner:Mary E Hebert
Lender:Morequity Inc Deposit:$5,000
Bk/Pg:17921/152 D:09/30/04
Source:Sun (The) (11/10/09)
Atty:Partridge Snow & Hahn LLP 401-681-1900

Westford
11/18/09 04:00 PM 3 Downing Pl
Owner:James M Enos
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:9985/29 D:03/05/99
Source:Sun (The) (11/10/09)
Atty:Harmon Law Offices 617-558-0500

MIDDLESEX SOUTH

Ashland
11/24/09 12:00 PM 240 Union St
Owner:Dennis W Paul
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:45323/575 D:06/02/05
Source:Metro West (11/10/09)
Atty:Reneau Longoria 978-921-2670

11/27/09 04:00 PM 35 Acton Rd
Owner:Thamarai V Kendapady
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:43403/157 D:07/29/04
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 03:00 PM 106 Captain Eames Cir U:106
Owner:Siuling Chow
Lender:One West Bk Deposit:$5,000
Bk/Pg:47082/237 D:03/03/06
Source:Metro West (11/10/09)
Atty:Bendett & Mchugh 860-677-2868

Burlington
11/27/09 02:00 PM 8 Sears St
Owner:Jeffrey H Steinbach
Lender:National City RE Svcs LLC Deposit:$15,000
Bk/Pg:41550/576 D:02/02/03
Source:Burlington Times-Union (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/03/09 04:00 PM 18-A Druid Hill Ave
Owner:Cheryl A Cronin
Lender:Wells Fargo Bk Deposit:$5,000
Doc#:1475903 D:06/13/08
Source:Burlington Times-Union (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Cambridge
11/12/09 01:00 PM 278-282 Walden St
Owner:Eric N Reyburn
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:47224/33 D:04/03/06
Source:Cambridge Chronicle (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

12/03/09 11:00 AM 131-133 Charles St
Owner:Maria Mallakis
Lender:County Mortgage T Deposit:$5,000
Bk/Pg:49466/160 D:05/15/07
Source:Cambridge Chronicle (11/05/09)
Atty:Stuart N Cole 617-969-1381

Framingham
11/13/09 01:00 PM 379 Hollis St
Owner:Dionicio Rodriguez
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:45951/1 D:08/24/05
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 11:00 AM 130 A St
Owner:James F Kane
Lender:Citimortgage Inc Deposit:$5,000
Doc#:1451741 D:08/10/07
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 09:00 AM 8-B Heather Dr
Owner:Reinaldo Resto
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:50439/54 D:12/03/07
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 02:00 PM 1550 Worcester Rd U:505
Owner:Carol S Arrick-wells
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:51313/280 D:06/09/08
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 12:00 PM 204 Arthur St
Owner:Michael F Lawless
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:48074/178 D:08/17/06
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 01:00 PM 881 Edmands Rd
Owner:David Ferrini
Lender:MERS Deposit:$5,000
Bk/Pg:49132/1 D:03/15/07
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 11:00 AM 116-118 Kendall St
Owner:Sirlei Evangelista
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:49586/265 D:06/08/07
Source:Metro West (11/04/09)
Atty:Reneau Longoria 978-921-2670

12/01/09 11:00 AM 176 Leland St
Owner:Alex Paiva
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:47471/487 D:05/05/06
Source:Metro West (11/04/09)
Atty:Reneau Longoria 978-921-2670

12/03/09 09:00 AM 18 Brownlea Rd
Owner:Aldo A Vidrich
Lender:Deutsche Bank Natl T Co Deposit:$10,000
Bk/Pg:44015/415 D:10/26/04
Source:Metro West (11/05/09)
Atty:Ablitt Law Offices 781-246-8995

12/03/09 10:00 AM 11 Weld St U:12
Owner:Manoel Alves
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:43283/347 D:07/13/04
Source:Metro West (11/05/09)
Atty:Ablitt Law Offices 781-246-8995

12/07/09 03:00 PM 10 Rose Ln
Owner:Louis R Shotten
Lender:Amtrust Bk Deposit:$10,000
Bk/Pg:47334/555 D:04/19/06
Source:Metro West (11/10/09)
Atty:Reneau Longoria 978-921-2670

Holliston
12/02/09 03:00 PM 223 Courtland St
Owner:David J Adams
Lender:Bank Of America NA Deposit:$10,000
Bk/Pg:39408/369 D:05/28/03
Source:Metro West (11/10/09)
Atty:Harmon Law Offices 617-558-0500

Hopkinton
12/01/09 11:00 AM 6 Everett Cir
Owner:Christopher J Delaney
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:48544/369 D:11/17/06
Source:Metro West (11/10/09)
Atty:Orlans Moran PLLC 617-502-4100

Hudson
12/01/09 01:00 PM 8 Lark Dr
Owner:Maria S Barbosa
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:44725/181 D:02/28/05
Source:Metro West (11/04/09)
Atty:Reneau Longoria 978-921-2670

Lexington
11/17/09 03:00 PM 391 Lowell St
Owner:Pattammal Nadanasundaram
Lender:TD Bank NA Deposit:$15,000
Bk/Pg:44602/94 D:02/03/05
Source:Lexington Minute Man (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Lincoln
11/27/09 12:00 PM 253 Lincoln Rd
Owner:Jacqueline M Ferro
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:30117/451 D:04/26/99
Source:Concord Journal (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Marlborough
11/23/09 09:00 AM 245 Boston Post Rd E U:2
Owner:Ronan Barros
Lender:Chase Home Finance LLC Deposit:$5,000
Doc#:1352554 D:10/14/04
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/27/09 11:00 AM 192 Bolton St U:10
Owner:Jose F Demelo
Lender:Central Mortgage Co Deposit:$5,000
Bk/Pg:44004/384 D:10/28/04
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 10:00 AM 91 Clover Hill St
Owner:Angelica Freitas
Lender:Res Funding Co LLC Deposit:$10,000
Doc#:1407086 D:03/06/06
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 10:00 AM 92 Matheson Dr
Owner:Roberto D Paiva
Lender:Wells Fargo Bk Deposit:$10,000
Bk/Pg:43401/209 D:07/29/04
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/27/09 09:00 AM 132 Stevens St
Owner:Edith Silva
Lender:One West Bk Deposit:$5,000
Bk/Pg:48728/148 D:12/22/06
Source:Metro West (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 11:00 AM 169 Broad St
Owner:Romelia Alvarez Solis
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:37975/316 D:01/27/03
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 09:00 AM 15 Elm St
Owner:Richard A Kelley
Lender:First Horizon Home Loans Deposit:$5,000
Bk/Pg:48227/481 D:09/25/06
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 10:00 AM 62-A Elm St
Owner:Jessica Donlon
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:50399/333 D:11/28/07
Source:Metro West (11/09/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 12:00 PM 10 Hutchinson Dr
Owner:Lorri A Keenan
Lender:Sutton Funding LLC Deposit:$10,000
Bk/Pg:48692/419 D:12/13/06
Source:Metro West (11/04/09)
Atty:Reneau Longoria 978-921-2670

Medford
12/01/09 01:00 PM 56-58 Canal St
Owner:Antonio E Neto
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:46914/497 D:01/31/06
Source:Medford Transcript (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 10:00 AM 114 Capen St
Owner:Perry Dipietrantonio
Lender:BAC Home Loans Svcng LP Deposit:$5,000
Bk/Pg:39749/621 D:06/24/03
Source:Medford Transcript (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 01:00 PM 30 Hancock St
Owner:Brenio R Siqueira
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:45766/482 D:08/01/05
Source:Medford Transcript (11/05/09)
Atty:Jon S Davis 781-834-9181

12/01/09 12:00 PM 171 Riverside Ave
Owner:Dean Campbell
Lender:TD Bank NA Deposit:$10,000
Bk/Pg:48796/188 D:01/03/07
Source:Medford Transcript (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Melrose
11/30/09 12:00 PM 182 Linwood Ave
Owner:Robert Call
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:42391/149 D:06/24/04
Source:Melrose Free Press (11/05/09)
Atty:Korde & Associates 978-256-1500

11/30/09 03:00 PM 77 Linwood Ave
Owner:Aldari Pissarra
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:43648/330 D:09/01/04
Source:Melrose Free Press (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 09:00 AM 30 Oakland St
Owner:Silvane Trecartin
Lender:Bank Of New York Mellon Deposit:$10,000
Bk/Pg:45956/427 D:08/26/05
Source:Melrose Free Press (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Newton
11/30/09 04:00 PM 65-R West St
Owner:Aleyda F Espinoza
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:48981/23 D:02/12/07
Source:Newton Tab (11/04/09)
Atty:Harmon Law Offices 617-558-0500

Somerville
11/20/09 10:00 AM 32-34 Main St
Owner:Nivea S Canelas
Lender:TD Bank NA Deposit:$5,000
Bk/Pg:48263/482 D:09/29/06
Source:Somerville Journal (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

11/27/09 12:00 PM 3 Chester Ave
Owner:Mohamad I Shaikh
Lender:National City RE Svcs LLC Deposit:$5,000
Bk/Pg:34868/493 D:02/14/02
Source:Somerville Journal (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 03:00 PM 44-46 Richdale Ave
Owner:John Maccumascaigh
Lender:MERS Deposit:$5,000
Bk/Pg:49500/516 D:05/21/07
Source:Somerville Journal (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 11:00 AM 14-16 Allen St
Owner:Mohammad Nurpasha
Lender:BAC Home Loans Svcng LP Deposit:$15,000
Bk/Pg:45503/567 D:06/29/05
Source:Somerville Journal (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 12:00 PM 53 Flint St
Owner:Dane Baird
Lender:Bank Of America NA Deposit:$5,000
Bk/Pg:42293/528 D:02/11/04
Source:Somerville Journal (11/05/09)
Atty:Harmon Law Offices 617-558-0500

12/01/09 02:00 PM 106 Fremont St
Owner:Antoine Jeune
Lender:Midfirst Bk Deposit:$5,000
Bk/Pg:48208/552 D:09/18/06
Source:Somerville Journal (11/05/09)
Atty:Jon S Davis 781-834-9181

12/01/09 03:00 PM 35 Marshall St
Owner:Marta Mcclung
Lender:JP Morgan Chase Bk Deposit:$5,000
Bk/Pg:49664/113 D:06/20/07
Source:Somerville Journal (11/05/09)
Atty:Jon S Davis 781-834-9181

12/01/09 03:00 PM 16 Spring St U:2
Owner:Maicon Nunes
Lender:Chase Home Finance LLC Deposit:$10,000
Bk/Pg:51692/332 D:09/12/08
Source:Somerville Journal (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Sudbury
11/27/09 01:00 PM 35 Stone Rd
Owner:Martha N Patton
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:24024/274 D:12/07/93
Source:Sudbury Town Crier (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 02:00 PM 58 Austin Rd
Owner:Leslie K Nesky
Lender:HSBC Bank USA Deposit:$10,000
Bk/Pg:47768/236 D:06/30/06
Source:Sudbury Town Crier (11/05/09)
Atty:Ablitt Law Offices 781-246-8995

11/30/09 09:00 AM 11 Great Lake Dr
Owner:Janet A Carroll
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:49715/55 D:06/25/07
Source:Sudbury Town Crier (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

11/30/09 03:00 PM 77 Pelham Island Rd
Owner:Ronald J Nix
Lender:Deutsche Bank Natl T Co Deposit:$5,000
Bk/Pg:45419/553 D:06/15/05
Source:Sudbury Town Crier (11/05/09)
Atty:Jon S Davis 781-834-9181

12/02/09 01:00 PM 18 Richard Ave
Owner:Wayne A Wilk
Lender:Aurora Loan Services LLC Deposit:$10,000
Bk/Pg:48811/211 D:01/05/07
Source:Sudbury Town Crier (11/05/09)
Atty:Reneau Longoria 978-921-2670

Waltham
11/30/09 02:00 PM 12 Wampum Ave
Owner:Esther M Martin
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:49361/19 D:04/25/07
Source:Daily News Tribune (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Wayland
11/30/09 01:00 PM 51 Claypit Hill Rd
Owner:John F Zullo
Lender:DLJ Mortgage Capital Inc Deposit:$10,000
Doc#:1436078 D:02/20/07
Source:Wayland Weston Town Crier (11/05/09)
Atty:Ablitt Law Offices 781-246-8995

Winchester
11/24/09 01:00 PM 200 Swanton St U:640
Owner:Wayne Jacques
Lender:Wells Fargo Bk Deposit:$5,000
Bk/Pg:49413/130 D:05/07/07
Source:Winchester Star (The) (11/05/09)
Atty:Harmon Law Offices 617-558-0500

11/30/09 04:00 PM 36 Pickering St
Owner:Robert C Fiorenza
Lender:GMAC Mortgage LLC Deposit:$5,000
Bk/Pg:41883/107 D:01/23/04
Source:Winchester Star (The) (11/05/09)
Atty:Orlans Moran PLLC 617-502-4100

12/01/09 04:00 PM 12 Surrey Rd
Owner:Paul R Troisi
Lender:Huntington NB Deposit:$5,000
Doc#:831775 D:10/19/90
Source:Winchester Star (The) (11/05/09)
Atty:Harmon Law Offices 617-558-0500

Woburn
12/01/09 10:00 AM 7-R Chestnut St
Owner:Safina Nagawa
Lender:HSBC Bank USA Deposit:$5,000
Bk/Pg:44577/513 D:01/31/05
Source:Daily Times and Chronicle (11/03/09)
Atty:Korde & Associates 978-256-1500