<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><div><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><div><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><blockquote type="cite"><div style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div><blockquote type="cite"><span class="Apple-style-span" style="border-collapse: separate; font-family: Arial; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; font-size: medium; "><div lang="EN-US" link="blue" vlink="purple"><div class="WordSection1"><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: red; "><br>FORECLOSURE PANDEMIC CONTINUES:<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">Foreclosure <b>Auctions</b> Scheduled for the <u>rest of June 2012</u> (from ForeclosureRadar):<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; "> California auctions: 55,037 – 2,752/day <o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; "> Arizona auctions: 12,726 – 636/day<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; "> Nevada auctions: 2,481 – 124/day<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; "> Oregon auctions: 1,783 – 89/day<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; "> Washington auctions: 2,431 – 121/day<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><u><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">Total auctions for the rest of June, 2012</span></u><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">: 74,458 - 3,722/day (just in these 5 states)<o:p></o:p></span></div><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><br></span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: red; ">ARE BANKS SKIPPING OUT ON US??<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">5/14: <a href="http://content.usatoday.com/communities/driveon/post/2012/05/auto-bailout-ex-gmac-puts-mortgage-unit-in-bankruptcy/1#.T8-pfMXdOO4" style="color: blue; text-decoration: underline; ">GMAC puts mortgage unit (ResCap) in bankruptcy</a>. </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">One of the 5 banks in the AG Settlement and paid $212M as a fine, ResCap still owes taxpayers $12B of $17.2B bailout. Buyers of subprime loans sued GMAC demanding they buy back toxic assets. Does this mean ResCap is defaulting on the bailout payback??<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">5/30: <a href="http://www.reuters.com/article/2011/04/26/us-aurora-lehman-idUSTRE73P6M520110426" style="color: blue; text-decoration: underline; ">Aurora bankruptcy to be completed by June 30, 2012</a>: </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">Aurora’s portfolio is being transferred to a new servicer, NationStar, on July 1, 2012 as part of their bankruptcy<span style="color: rgb(31, 73, 125); ">… </span>so who picks up the lawsuit tabs? <o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: red; "><br>FIGHTING BACK BY DEMANDING FORECLOSURE FEES, TEMP HALT TO FORECLOSURES, OR DA ACTION BASED ON RECORDED FRAUDULENT DOCS:<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">6/5: SF<span style="color: rgb(31, 73, 125); ">:</span> Supervisor Avalos And Recorder Phil Ting are sponsoring <span style="color: rgb(31, 73, 125); "><a href="http://www.hofj.org/virtualoffice_files/SFchangesTransferTaxCode.pdf" style="color: blue; text-decoration: underline; ">Foreclosure Protection Tax legislation</a></span> requiring banks to pay transfer tax on foreclosures in San Francisco. Surely counties can get on board with this revenue enhancing proposition. Michigan won a<span style="color: rgb(31, 73, 125); "> <a href="http://www.nakedcapitalism.com/2012/03/victory-in-oakland-county-transfer-tax-case-paves-way-for-other-michigan-suits-against-fannie-and-freddie.html" style="color: blue; text-decoration: underline; ">lawsuit against Fannie/Freddie</a> </span>to make them pay transfer taxes<span style="color: rgb(31, 73, 125); ">.<o:p></o:p></span></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">6/6: <a href="http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2012/06/06/BUJ11OT8EK.DTL" style="color: blue; text-decoration: underline; ">SF, others seek temp halt to foreclosures</a>. </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">Until $25B AG settlement is to be enacted July 1, 2012. Remember “robosigning” is just plain fraud. And that fraud is on record at our county recorder offices. That they aren’t in prison for this fraud is beyond me. We’re encouraging county DAs to file charges.<span style="color: rgb(31, 73, 125); "><o:p></o:p></span></span></p><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">6/6: Foreclosure fighters met with Butte county DA today and myself on the phone. I was greatly encouraged to hear that all the DAs and the AG are meeting in 3 weeks to discuss this pandemic which is the major topic at hand. Let’s do a big push in contacting our county DAs to let them know we need foreclosures to stop.<span style="color: rgb(31, 73, 125); "><o:p></o:p></span></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">6/6: Foreclosure CFI volunteers checking records in Santa Cruz and Butte County right now. Check out our <a href="http://www.hofj.org/default.asp.pg-CFIUnitTraining" style="color: blue; text-decoration: underline; ">CFI Training page</a>, to learn how to find fraud filed by the banks in your county records.<span style="color: rgb(31, 73, 125); "><br><br></span><o:p></o:p></span></div><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: red; ">WHAT PEOPLE CAN DO TO HELP THEMSELVES – NEW STUFF AT <a href="http://WWW.HOFJ.ORG/" style="color: blue; text-decoration: underline; "><span style="color: red; ">WWW.HOFJ.ORG</span></a>:<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">HOFJ web page: </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><a href="http://www.hofj.org/default.asp.pg-5RestitutionReform" style="color: blue; text-decoration: underline; ">5. Restitution, Reform page</a></span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">:<span style="color: rgb(31, 73, 125); "> <a href="http://www.federalreserve.gov/consumerinfo/independent-foreclosure-review.htm" style="color: blue; text-decoration: underline; ">Independent foreclosure review</a>: [<a href="http://www.hofj.org/virtualoffice_files/Independent%20Foreclosure%20Review.pdf" style="color: blue; text-decoration: underline; ">form</a>] </span><b>2009-2010 foreclosed owners must file by 7/31/12</b>. if an owner feels they’ve suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies that may have occurred during the foreclosure process. Servicers required to compensate borrowers for financial injury resulting from deficiencies in their foreclosure processes. <o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">HOFJ web page: </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><a href="http://www.hofj.org/default.asp.pg-2aFreeLoanModInfo" style="color: blue; text-decoration: underline; ">2a. Free loan modification info page</a></span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">. handy links to info with explanations.<span style="color: rgb(31, 73, 125); "> <br> </span>includes<span style="color: rgb(31, 73, 125); "> </span>CA DRE<span style="color: rgb(31, 73, 125); "> </span><span style="color: blue; "><a href="http://www.dre.ca.gov/cons_drs.asp" style="color: blue; text-decoration: underline; ">cease and desist orders</a></span><span style="color: rgb(31, 73, 125); "> </span>and<span style="color: rgb(31, 73, 125); "> <a href="http://search.dre.ca.gov/hearings/cons_enf_actions.asp?StartDate=6/1/2010&EndDate=6/30/2010" style="color: blue; text-decoration: underline; ">enforcement</a> </span>against loan mod scammers links.<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">HOFJ web page: </span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><a href="http://www.hofj.org/default.asp.pg-LegalAction" style="color: blue; text-decoration: underline; ">Legal Action by State page</a>: Check out the <a href="http://www.nationalmortgagesettlement.com/" style="color: blue; text-decoration: underline; ">AG Settlement</a>, <a href="https://d9klfgibkcquc.cloudfront.net/Mortgage_Servicing_Settlement_Fact_Sheet.pdf" style="color: blue; text-decoration: underline; ">Facts</a> and <a href="https://d9klfgibkcquc.cloudfront.net/National_Settlement_Executive_Summary.pdf" style="color: blue; text-decoration: underline; ">Executive Summary</a> on<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><br></span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: red; ">CJ & HOFJ <a href="http://www.hofj.org/default.asp.pg-CJintheNews" style="color: blue; text-decoration: underline; "><span style="color: red; ">COMING EVENTS</span></a>:<br></span><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><br>6/</span><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">14: TV production went very well, and should be loaded up to Youtube soon and broadcast on Public TV, channel 3 in Mendocino county.<span style="color: rgb(31, 73, 125); "> </span><o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">6/22: Monterey County Foreclosure Teach-in at 1364 Fremont Bl, Seaside, from 6p-9p.<o:p></o:p></span></p><p class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 12pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; ">6/25: <span style="color: rgb(31, 73, 125); "><a href="http://www.hofj.org/virtualoffice_files/SacMarch062512red.pdf" style="color: blue; text-decoration: underline; ">March on Sacramento for Foreclosure Moratorium June 25<sup>th</sup> 10a-3p</a>. </span>I’ll be speaking. We need thousands of owners to show up for this.<span style="color: rgb(31, 73, 125); "> </span>Foreclosures hurt everyone.<span style="color: rgb(31, 73, 125); "> <a href="http://www.rallyforhomes.com/" style="color: blue; text-decoration: underline; ">Rally for Homes</a>.</span><br><br>9/8: Santa Clara Foreclosure Summit – I’ll be speaking at event<o:p></o:p></span></p><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><o:p> </o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 14pt; color: rgb(0, 32, 96); ">CJ Holmes<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 9pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">Housing Policy Director <br>Real Estate Analyst DRE 01234197</span><span style="font-size: 9pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><i><span style="font-size: 10pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">(707) 235-1381 c<o:p></o:p></span></i></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><i><span style="font-size: 10pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><a href="mailto:cjholmes@cjholmes.com" style="color: blue; text-decoration: underline; ">cjholmes@cjholmes.com</a><o:p></o:p></span></i></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><o:p> </o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 14pt; color: rgb(0, 32, 96); ">Home Owners For Justice<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-family: Calibri, sans-serif; color: blue; "><a href="x-msg://123/www.HOFJ.org" style="color: blue; text-decoration: underline; ">www.HOFJ.org</a><o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><i><span style="font-size: 10pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">(707) 578-5727</span></i><i><span style="font-size: 10pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><o:p></o:p></span></i></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><i><span style="font-size: 10pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">(707) 578-5873 f<o:p></o:p></span></i></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 9pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">818 Mendocino Ave<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 9pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); ">Santa Rosa, CA 95401<o:p></o:p></span></div><div style="margin-top: 0in; margin-right: 0in; margin-left: 0in; margin-bottom: 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif; "><span style="font-size: 9pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125); "><o:p> </o:p></span></div></div></div></span></blockquote></div></div></blockquote></div></div></blockquote></div></div></div></blockquote></div></div></div></blockquote></body></html>