Stangl Advisors, Inc.

Creating solutions for underwater homeowners and building a foundation for their future.

Millions of homeowners in California are underwater and unable to refinance or achieve a loan modification. In addition, many of these underwater homeowners are behind on their mortgage payments, are in default and are facing the foreclosure of their home.

Stangl Advisors evolved to assist homeowners in addressing and navigating these new challenges. We work with our clients to utilize new federal and state legislation, homeowner programs, alternatives to foreclosure and real estate transactions to realize a solution to the complex circumstance of underwater homeownership.

An early discussion, with Stangl Advisors, to evaluate your individual circumstances will result in a proactive approach and yield the best outcome for you, as our client. Read more.

Relevant

California's Anti Deficiency Legislation SB 458. Governor Jerry Brown signs SB 458, July 15, 2011, making California an Anti Deficiency state protecting homeowners from ongoing mortgage debt. Read more >>
"Underwater and Not Walking Away", Brent T. White, Professor of Law "The norms governing homeowner behavior stand in sharp contrast to norms governing lenders, who seek to maximize profits irrespective of morality. Read more >>
Federal Tax: Mortgage Forgiveness Debt Relief Act, 2007 HR 3648 The Mortgage Debt Relief Act of 2007 allows taxpayers to exclude income from the discharge of debt on their principal residence. Read more >>
California State Tax: Conformity Act, 2010 SB 401 Forgiveness of Mortgage Debt State Bill 401 allows taxpayers who had the loan balance forgiven on their principal residence to exclude the debt from California gross income. Read more >>
Acclaimed, "The Inside Job" The Global Economic Crisis of 2008 The global economic crisis of 2008 cost tens of millions of people their jobs their savings and their homes. This is the documentary of how it happened. Read more >>
US Treasury's Anti Deficiency Program (HAFA) Sunsets December 31, 2012 Through Home Affordable Foreclosure Alternatives (HAFA), homeowners won't owe the bank any money after short selling their underwater home. Read more >>
US US Treasury's Making Home Affordable Initiative, 2009 Making Home Affordable is a key part of the Obama Administration's effort to help homeowners avoid foreclosure. Read more >>
US Housing Crisis and the Economy, October 4, 2011 Among the issues participants talked about unemployment rates, government regulations, banking practices, and consumer confidence. Read more >>
Loan Modification: US Treasury Among the Failing Loan Modification Programs Originally touted to help 3-4 million people thus far, US Treasury's Home Affordable Modification Program (HAMP) has helped just over 690,000 people. Read more >>
Upfront Loan Modification Fees are Illegal in the State of California Contact the California State Attorney General's Office if you believe you have been the a victim of loan modification, foreclosure or bankruptcy scam. Read more >>

IMPORTANT NOTICE: Stangl Advisors, Inc. DOES NOT CHARGE A FEE for negotiating, attempting to negotiate, arranging, attempting to arrange, or otherwise offer to perform a "mortgage loan modification or other form of mortgage loan forbearance". Stangl Advisors, Inc. is not associated with the government, and our services are not approved by the government or your lender. If you stop paying your mortgage, you could loose your home and damage your credit. FTC Disclosure MARS Rule (16 C.F.R. §322 et seq.)