Jakeshia C Seamster
“Your Reverse Mortgage Specialist”
DRE #2239574
Jakeshia Seamster is an experienced reverse mortgage problem solver dedicated to helping both homeowners with reverse mortgages and family members of deceased reverse mortgage borrowers. With extensive experience dealing with reverse mortgage lenders, Jakeshia assist her clients in preventing foreclosures on their property, securing the time needed to develop an effective repayment plan of action and introduction to attorneys who specialize in probate cases and who require no upfront fees or retainers to take your case.
Whether you need help negotiating more time with your reverse mortgage lender, filing a probate, assuming or refinancing the reverse mortgage, or listing the property for sale to obtain full market value for your property, Jakeshia provides compassionate, expert guidance every step of the way.
– Extending timelines and postponing foreclosure sales dateswith lenders to allow for effective action plans to include:
- Probate filings and related legal support
- Refinancing the reverse mortgage
- Listing the reverse mortgage property for sale and getting full market value
- Listing the reverse mortgage property for sale and getting full market value
- Financing for delinquent taxes
- Home Repair work with financing
- Add ADU to increase property income and value.
Jakeshia and her legal team charges no upfront fees to start. To begin, simply complete the “Request For Service Form” below, and Jakeshia will reach out to you within 30 minutes.
No Upfront Fees To File Your Probate Case
No Upfront Fees To File Your Probate Case — Fast Full Authority Without Need For Court Authorization To Take Action Within 45 Days
At FCSM Realty Group, our dedicated team of experienced probate attorneys is committed to one primary goal: securing full authority for you to borrow, sell, or act on behalf of the estate—without the need for court approval—typically within 45 days of filing your probate case.
Our legal team can also file emergency orders or restraining orders to stop foreclosure.
While most probate cases drag on for 2 to 3 years—mainly due to attorneys focusing on racking up legal fees—our legal team takes a different approach.
We understand the urgency of your situation, especially when foreclosure or urgent debt payments are involved.
That’s why we specialize in filing emergency restraining orders to stop foreclosure sales and obtain court orders to borrow money or sell the property, ensuring you can act swiftly to protect the estate.
And the best part? We charge no upfront fees to start your probate case.
Our firm is prepared to advance any additional costs not covered by our team, so you can move forward without financial barriers.
What sets us apart:
- We will fast-track your case and secure full authority within 30 days of filing.
- Stop foreclosures and sale dates with emergency restraining orders obtain by court orders.
- Get you authority to borrow money or sell estate property quickly.
- No upfront legal fees to file your probate case handled by experienced probate attorneys dedicated to protecting your interests in urgent situations.
Don’t wait years for probate to resolve. Contact FCSM today and let our legal team help you get the authority you need—fast, affordable, and without unnecessary delays.
Call (818)744-1397 or Complete Our Request For Services Form Below
Borrower 1 Full Name:
Borrower 1 If Deceased Date Of Death:
Borrower 2 Full Name:
Borrower 2 If Deceased Date Of Death:
Family Member 1 Full Name:
Family Member 2 Full Name:
Property Address:
Property City:
Property State:
Property Zip:
Property County:
Property Legal Status Choose All That Apply Below:
( ) Failed Occupancy Letter From Lender
( ) Warning Letter From Lender
( ) Delinquent Property Taxes
( ) Foreclosure Action Started
( ) Foreclosure Sales Date Posted
( ) Squatters or Unauthorized Tenants In
Property.
( ) Problem Occupants Family Members Not
Paying Rents.
Services Requested Choose All That Apply Below:
( ) Cure Occupancy Inspection Failure
( ) Help Securing Financing To Pay Taxes
( ) Stop Foreclosure Immediately
( ) Assume Reverse Mortgage
( ) Refinance Reverse Mortgage
( ) Help Finding Attorney For Probate (No Up
Front Fees Or Retainer).
( ) List Your Property For Sale Get Full Market Value
( ) Build Additional Units On Property
( ) Joint Venture Building Additional Units On Property.
https://fcsmrealtygroup.com/reverse-mortgage-help/request-for-service-form/
Property owners with a reverse mortgage can default by failing to pay required property charges, neglecting home maintenance, or no longer using the house as their primary residence. While reverse mortgages do not require monthly mortgage payments, they still impose several obligations on the homeowner. A default can ultimately lead to foreclosure, especially if the issue is not resolved.
Most common reasons for reverse mortgage default
Failing to pay property charges
Even without a monthly mortgage payment, the homeowner is responsible for paying property taxes, homeowner’s insurance, and other required charges. Missing or being late on these payments is one of the most common reasons for default.
- Taxes: Unpaid property taxes can result in a lien being placed on the home, putting the lender’s interest at risk.
- Insurance: Lenders require homeowners to maintain a valid homeowners insurance policy to protect the property from damage. A lapse in coverage can trigger a default.
- Fees: If the property is part of a homeowners’ association (HOA) or condominium, failing to pay those fees on time is also a cause for default.
Not occupying the home as a primary residence
A reverse mortgage requires the borrower to live in the home as their principal residence. If the borrower moves out, sells the house, or leaves for an extended period, the loan can become due and payable.
- Extended absence: Lenders may declare a default if the borrower leaves the property for more than 12 consecutive months, even for health-related reasons like moving to a nursing home.
- Undisclosed surviving spouse: If the borrower dies and their non-borrowing spouse is not on the loan and does not meet federal requirements, the loan may become due and payable.
Neglecting home maintenance
Lenders have a vested interest in the home’s value, which serves as their collateral. Allowing the property to fall into disrepair violates the terms of the loan and can trigger a default.
- FHA standards: Lenders of Home Equity Conversion Mortgages (HECMs) require the property to be maintained according to Federal Housing Administration (FHA) standards.
- Addressing issues: Homeowners are responsible for addressing maintenance issues promptly, as letting small problems become major repairs can lead to a default notice from the lender.
High initial withdrawals
Studies have shown that borrowers who take out a large lump sum upfront are more likely to default on their taxes and insurance later in the loan’s life. This is because it is easier to deplete the home’s equity early, leaving fewer or no funds available to cover future property charges.
How to prevent default
Homeowners can prevent default by taking these steps:
- Pay property charges: Budget for and pay property taxes and insurance premiums on time. Some HECM lenders can set aside a portion of the loan for future charges if the borrower’s financial assessment shows they might have trouble paying.
- Certify occupancy: Annually confirm that the home is still your primary residence to your servicer.
- Maintain the property: Address small repairs and perform routine maintenance to keep the home in good condition and preserve its value.
Probate Attorney Assistance
Jakeshia C. Seamster has a team of probate attorneys and paralegals who specialize in filing probate petitions quickly and securing authority to act on behalf of the probate estate. Our streamlined process is designed to move efficiently, with a targeted timeline to have our client court authority to act on the behalf of probated estate in as fast as 45 days from the filing of the probate petition. Jakeshia C. Seamster Probate Team charges no upfront fees or retainers to represent you and all fees are in accordance to state law and court rules.
Reverse Mortgage Foreclosure Sale Postponement
When a reverse mortgage foreclosure clock starts, every day matters. Jakeshia C Seamster guides homeowners and their families through the postponement process, buying critical time to evaluate all options and implement a solid plan. Our approach centers on clarity, advocacy, and durable solutions that protect homeownership and financial futures.
Our Value Proposition
Strategic Postponements with Purpose: We secure targeted postponements of foreclosure sales, typically extending timelines by weeks to up to a year, giving you breathing room to act.
Experienced Negotiation:** Leveraging relationships with lenders, trustees, and loan servicers, we negotiate extensions that are realistic and enforceable.
Comprehensive Action Plans:
We help you map out an actionable path—whether you plan to assume the loan, obtain a new reverse mortgage, refinance, or sell the home.
Family and Borrower-Centric Support:
We empower borrowers and their families with clear options, timelines, and step-by-step guidance to reduce stress and uncertainty.
Jakeshia C. Seamster: Real-World Experience and Impact
Jakeshia C. Seamster has firsthand experience navigating reverse mortgage lenders and foreclosure trustees to secure postponements that provide essential time to plan. Her approach is grounded in empathy, data-driven negotiation, and a commitment to protecting the homeowner’s best interests.
What this means for you:
A trusted advocate who understands the timelines and bottlenecks of reverse mortgage servicers and foreclosure processes.
A practical strategy for extending the foreclosure sale date, while you explore viable options. Access to a network of professionals (credit counselors, housing counselors, real estate experts, and attorneys) to support your plan.
How Postponement Works
Initial Assessment: We review your loan documents, current foreclosure status, and the specific postponement options available in your jurisdiction.
Timeline Negotiation: We communicate with the lender and foreclosure trustee to request an extension, citing your plan and commitment to addressing the loan.
Documentation & Plan Submission: We prepare a formal postponement request accompanied by a detailed action plan outlining the next steps (assumption, new reverse mortgage, refinancing, or sale).
Progress Monitoring:
We track milestones and maintain ongoing communication with all parties to ensure the plan stays on track.
Implementation:
As postponement timelines progress, we execute the chosen path—whether it’s applying for an assumption, securing a new loan, or listing and selling the home.
Options You Can Pursue During the Postponement Assume the Reverse Mortgage Loan:
If you qualify, taking over the existing loan terms can stabilize the situation and preserve homeownership.
Obtain a New Reverse Mortgage:
A subsequent reverse mortgage can consolidate equity, reduce risk of foreclosure, and provide funds to address arrears and fees.
Refinance (Forward or Reverse):
Refinance to create manageable monthly obligations and resolve delinquency-related issues.
Sell the Home:
A strategic sale can unlock flexible timelines and prevent the default from escalating, while providing funds for debt resolution and relocation.
Why This Matters?:
Foreclosure timelines are often short, but extensions give you essential leverage to:
Complete housing counseling and financial planning. Gather necessary documents and lender-fee information.
Align family needs with the most favorable option. Reduce emotional and financial stress during a turbulent period.
Client Success Snapshot
By partnering with us and leveraging a Jakeshia C. Seamster–led postponement strategy, families have gained up to 12 months of additional planning time. Many clients successfully transition to safer options without losing their homes, preserving families’ stability and financial dignity.
Get Started
Schedule a complimentary consultation to evaluate your foreclosure timeline and eligibility for a postponement.
We’ll outline a personalized postponement plan and next steps tailored to your unique loan terms and goals.
Compliance and Sensitivity:
We adhere to all applicable housing and mortgage servicing laws and standards.
We maintain strict confidentiality and always place the homeowner’s best interests at the forefront.
To begin click on our “Request For Services Form”
Assuming Reverse Mortgages
Overview
Assuming a reverse mortgage can be a strategic path to preserving homeownership, managing debt, and stabilizing a household’s financial future. At Reverse Mortgage Foreclosure Solutions, we guide borrowers, their families, and their advisors through the process of assuming an existing reverse mortgage when permissible, ensuring compliance, eligibility, and a clear plan for continuing stability.
What “Assuming a Reverse Mortgage” Means
An assumption transfers the obligations and rights of the existing reverse mortgage from the original borrower to a qualified successor (often a family member or trusted borrower) who meets the lender’s requirements.
The new borrower takes over the loan’s terms, balance, accrued interest, and fees, under the lender’s approved credit and property-occupancy criteria.
Assumptions can help avoid foreclosure, maintain ownership, and provide a smoother transition when negotiated properly.
Why Consider an Assumption
Preserve Homeownership: Maintain ownership without initiating a new loan application or credit rebuild from scratch.
Preserve Equity: Avoid forced sale by keeping the existing loan structure and leveraging the accumulated equity.
Manage Costs: Potentially lower upfront costs by avoiding some new-loan origination fees (depending on lender policies).
Streamlined Process: In some cases, a well-prepared assumption can move more quickly than taking out a new reverse mortgage.
Our Value Proposition for Assumptions
Eligibility Assessment:** We evaluate whether the successor meets homeowner occupancy, age, and credit/financial requirements set by the lender.
Credit & Affordability Review:** We analyze the ability to cover ongoing property charges (taxes, insurance, HOA dues, maintenance) and any future loan advances.
Lender Liaison:** We communicate with the loan servicer and foreclosure trustee to verify assumption feasibility, required documents, and timelines.
Documentation Pack:** We assemble a comprehensive package (identity verification, occupancy, financial statements, property information) tailored to the lender’s standards.
Plan & Timeline:** We provide a clear roadmap outlining steps, milestones, and contingencies to minimize delays.
Eligibility Considerations
The new borrower must meet loan-specific requirements (age, residence, and ability to maintain property charges).
The property must satisfy occupancy and condition standards.
The loan balance, interest, and fees must be clearly understood, including how future advances are handled under the assumption.
The lender must approve the assumption, and there may be underwriting conditions or potential restructuring.
Steps to Realize an Assuming Motion
Initial Evaluation: Assess whether an assumption is viable given the loan terms and borrower qualifications.
Gather Necessary Documentation: Collect proof of occupancy, identity, income/assets, and any required disclosures.
Submit Assumption Application: Present the formal assumption package to the lender with a detailed plan for ongoing payment of property charges.
Underwriting & Review: The lender reviews creditworthiness, property value, and compliance with program rules.
Approval & Closing: Upon approval, finalize the assumption with required disclosures, revised loan documents, and a closing process.
Post-Closing Compliance: Ensure ongoing eligibility, timely payments of property charges, and adherence to loan terms.
Potential Challenges and How We Mitigate Them
Credit/Income Limitations:** If the successor does not meet the lender’s thresholds, we explore alternatives (e.g., refinancing, new reverse mortgage) while preserving options for the family.
Property Condition or Change in Occupancy:** We coordinate repairs or occupancy updates to meet lender criteria.
Fees and Costs:** We review all associated costs and negotiate where possible to minimize out-of-pocket expenses.
Timeline Pressures:** We establish proactive communication with the lender to prevent delays and keep the process on track.
What You Can Expect from Us
A compassionate, transparent process with clear expectations.
Thorough coordination with lenders, trustees, and professionals (attorneys, real estate agents, and housing counselors).
A tailored plan that aligns with your goals—whether maintaining ownership, preserving equity, or transitioning to a more sustainable financial setup.
Refinancing a Reverse Mortgage with Jakeshia C. Seamster (California Licensed Mortgage Professional)
Overview
Navigating the world of reverse mortgage refinances can be complex. Jakeshia C. Seamster operates as part of a California-licensed mortgage company, bringing compliant, client-first service to homeowners who want to optimize their reverse mortgage strategy.
Whether you’re seeking improved terms, access to additional proceeds, or a more favorable loan structure, Jakeshia provides guidance within California’s regulatory framework to help you make informed decisions.
Why Work with a California-Licensed Mortgage Professional?:
Regulatory Compliance: California-licensed mortgage professionals are required to adhere to state and federal lending laws, licensing standards, and continuing education obligations, helping to protect consumers.
Professional Accountability: Local licensing provides clear points of contact, disciplinary oversight, and a framework for resolving concerns.
State-Specific Nuances: California-specific guidelines can impact eligibility, disclosures, and processing timelines. A California-licensed lender is better positioned to navigate these nuances.
Integrated Resources: Access to California-based appraisers, title companies, and settlement services can streamline the refinancing process.
How Refinancing a Reverse Mortgage Works
Objective:
Refinance to potentially lower costs, adjust loan terms, increase or restructure cash advances, or reduce ongoing charges.
Eligibility: Typically requires meeting lender requirements for occupancy, age of the borrower, property value, and ability to continue paying ongoing property charges (taxes, insurance, HOA fees).
Process Overview:
Initial Consultation and Goal Assessment
Credit and Financial Review
Property Appraisal and Title Review
Loan Analysis and Product Comparison (new reverse mortgage options or, in some cases, a forward refinance where applicable)
Disclosure, Underwriting, and Approval
Closing and Post-Closing Counseling
Jakeshia C. Seamster’s Value Proposition in Refinancing California Licensing & Compliance:
As part of a state-licensed mortgage company, Jakeshia ensures all refinancing activities comply with California Department of Real Estate (DRE) and federal guidelines.
Personalized Needs Assessment:
We work with you to clarify goals—lower monthly obligations, access to additional cash, or extending loan longevity—then tailor a refinancing plan to meet those goals.
Transparent Product Navigation:
We help you compare available products, including new reverse mortgage options or traditional forward refinancing when suitable, highlighting costs, timelines, and long-term implications.
Lender Liaison & Documentation:
We coordinate with lenders, appraisers, title companies, and housing counselors to gather required documentation and maintain transparent communication throughout the process.
Protection of Homeownership:
Our approach emphasizes preserving home equity and ensuring ongoing eligibility for the chosen loan product, with a focus on long-term affordability and stability.
Eligibility Considerations in California
Age and Occupancy:
Remaining or new borrower(s) must meet program-specific age requirements and primary residence obligations.
Property Standards:
The home must meet occupancy and condition standards; California-specific property rules and disclosures apply.
Financial Capacity:
Ensuring ongoing payment of property charges and the ability to comply with loan terms after refinancing.
Counseling & Disclosures:
Completion of required housing counseling and full disclosure of costs, fees, and potential effects on beneficiaries.
Why Refine a Reverse Mortgage?
Lower Costs:
Potentially reduce ongoing mortgage insurance premiums or servicing costs through a new product.
Increased Liquidity:
Access additional cash to cover emergencies, healthcare, or home improvements without sacrificing ownership.
Improved Loan Terms:
Transition to a product with better interest rates, caps, or repayment structures that align with your financial plan.
Estate Planning Flexibility:
Structure the loan in a way that supports long-term goals for you and your heirs. What to Expect When Working with Jakeshia
A clear, ethical, and transparent engagement focused on your goals. Guidance grounded in California licensing requirements and best practices in reverse mortgage refinancing.
Step-by-step timelines, upfront disclosures, and a plan tailored to your unique financial and homeownership situation. Access to a network of California-based professionals (credit counselors, real estate experts, attorneys) to support your refinancing journey.
Get Started:
Schedule a complimentary consultation to discuss your refinancing goals and eligibility.
We’ll review your current reverse mortgage terms, your home’s equity, and your long-term objectives to determine the best path forward.
Jakeshia C. Seamster: Licensed Real Estate Agent Steering Foreclosure-Impacted Property Owners to Full Market Value Sales
Overview
Jakeshia C. Seamster brings a unique, dual-licensed approach to helping homeowners facing reverse mortgage challenges. As a licensed Real Estate Agent and an advocate for owner-occupied homeowners, she leverages an extensive, exclusive buyers database to pursue full market value outcomes—eschewing low-ball offers from investors who target distressed properties. Her method prioritizes the homeowner’s long-term financial health, dignity, and steady transition, even in the face of complex reverse mortgage issues.
Why a Real Estate Agent with a Reverse Mortgage Focus Matters Owner-Occupied Buyer Network:
Access to a curated pool of qualified buyers who value primary residence occupancy, capable of meeting lender and appraisal expectations, and willing to pay premiums for a smooth closing.
Market-Value Orientation:
trategy centers on achieving fair market value rather than quick, investor-driven bids that may undervalue the home or complicate post-closure financial planning.
Expert Navigation of Restrictions:
Specialized understanding of reverse mortgage implications, lien clearance, and regulatory considerations that affect sale price and proceeds.
Holistic Exit Planning:
Combines real estate expertise with mortgage solutions to optimize payoff amounts, settlement of loan obligations, and long-term homeowner interests.
How Jakeshia Maximizes Market Value for Foreclosure-Impacted Homes Proprietary Owner-Occupied Buyer Outreach:
Proactively engage a vetted group of buyers seeking primary residence properties, emphasizing stable occupancy and timely funding.
Accurate Pricing Strategy: Leverage comparables, condition assessments, and lender requirements to set a compelling, supportable list price aimed at achieving top-dollar offers.
Comprehensive Prospecting:
Utilize targeted marketing, professional networking, and strategic outreach to reach buyers who understand the unique dynamics of homes tied to reverse mortgage issues.
Robust Negotiation Tactics:
Skills to negotiate favorable terms, minimize contingencies, and maximize net proceeds while preserving the seller’s dignity and interests.
Transparent, No-Pressure Guidance:
Provide clear, data-backed advice on offers, timelines, and the implications for the reverse mortgage payoff and heirs.
Addressing the Risks of Investor-Only Offers
Investor Offers:
While investors can provide speed, their bids may not reflect true market value once contingencies, financing, and loan payoff complexities are considered.
Homeowner Impact:
Low offers can reduce payoff amounts, increase risk of deficiency, and create longer-term financial uncertainty for families.
Our Approach:
Prioritize market-responsive pricing, leverage the buyer network to encourage competitive bids, and ensure all disclosures and loan payoff requirements are transparently addressed.
Jakeshia’s Value Proposition for Reverse Mortgage Situations Integrated Expertise:
Real estate acumen paired with reverse mortgage knowledge to align real estate strategy with loan payoff and post-sale plans.
Ethical Practice:
Commitment to fair dealing, full disclosure, and avoiding predatory negotiation dynamics that harm homeowners.
Family-Centric Outcomes:
Focus on preserving equity for the homeowner and heirs, enabling a cleaner transition and better relocation options if needed.
