If you’ve been unable to make your monthly mortgage payments on time, it has probably affected your credit report. While a loan modification can help you get a monthly mortgage payment you can manage, it will also show up on your credit report and may prevent you from getting credit in the near future. A
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Source: www.clta.org Title companies are often requested to remove recorded judgments and other involuntary liens (hereinafter referred to as “judgments”) from preliminary reports and policies in reliance on a discharge in bankruptcy. Bankruptcy discharges fall under several sections of Title 11 of the United States Code. The discharges most commonly encountered by title companies fall under
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Freddie Mac on Tuesday offered to help borrowers whose homes were damaged or destroyed by Hurricane Sandy, which could include temporarily suspending or reducing mortgage payments, for up to one year. The relief would apply only to homeowners with mortgages owned or guaranteed by Freddie Mac and whose homes are in certain federally designated disaster
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The National Mortgage Settlement Agreement in a Nutshell By Anna Cuevas The National Mortgage Settlement Agreement between 49 state attorney generals and mortgage services was created to compensate homeowners for loss or harm due to wrongful foreclosures, bank errors, and unethical practices by mortgage servicers and lenders. All states except Oklahoma are represented in the
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September 22, 2012 10:00am – 1:00pm PDT (-07:00) Price: FREE with sign up Spa Resort Casino 401 E Amado Rd – Just off the HOTEL Lobby. Palm Springs, CA 92262 In this informative workshop hosted by Financial expert, Economist and Financial Analyst, John Paul Valdez, participants learn how to apply for financial aid from
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Mortgage Mayhem Workshop Sat. Aug 11, 2012 10:00am – 1:00pm PDT (-07:00) Price: $50.00 Spa Resort Casino 401 E Amado Rd – Just off the HOTEL Lobby. Palm Springs, CA 92262 In this informative workshop hosted by Financial expert, Economist and Financial Analyst, John Paul Valdez, participants learn how to apply for financial aid
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Here is information from Wells Fargo’s website: Financial Work Sheet Count on them to work with you through these difficult times. Here’s how to get help: 1. Request assistance If you’re concerned about keeping up with your mortgage payments, talk to us right away. To help us determine your eligibility for loan assistance, we need
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Foreclosures don’t just happen to people who are out of work—they can happen to anyone. White collar and blue collar workers are both represented among their statistics. A recession or faltering economy can drastically reduce the income of a host of careers, including self-employed entrepreneurs. Once thriving in a booming economy, these entrepreneurs have found
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REVISIONS TO HAMP EXTEND THE PROGRAM THROUGH 2013 Anna Cuevas Making Home Affordable (MHA), a government program intended to prevent foreclosures, has been expanded another year. Originally slated to end at the end of 2012, the program has been extended to December 31, 2013, in an effort to allow more people to apply and receive
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An Overview of HAMP Tier 2 Changes that may just save your home or your investment property. By: Anna Cuevas Changes to the Home Affordable Modification Program (HAMP) expand HAMP to the end of the year 2013 and are intended to make more homeowners eligible for the program. The additional qualification criteria is
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Before Got It Done! Save Your Home book by #1 Bestselling Author Anna Cuevas advocates at Bank of Americas homeowner outreach in San Diego for the Anaya family fighting for their Permanent Loan Modification approved May 2010 – which was never uploaded in the B of A system and lost!!! We will keep escalating
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Take Swift Action to Postpone the Sale of Your Home If your attempts to obtain a loan modification, mortgage refinancing, or postponement of the sale of your home have been denied, it’s time to take swift action. If you want to save your home from foreclosure, you must act immediately and utilize all resources available
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HAMP Income Calculation Worksheet Prepared By: I. Borrower and Property Information Loan Number:___________________________________________________ Borrower Name:__________________________________________________ Income Type: Calculation Method: Borrower: S/E Wage Other YTD Weekly Bi-Wk Semi-Mo Annual Co-Borrower: S/E Wage Other YTD Weekly Bi-Wk Semi-Mo Annual Non-Borrower: S/E Wage Other YTD Weekly Bi-Wk Semi-Mo Annual II. Monthly Income Borrower: Co-Borrower #1 Co-Borrower #2 TOTAL
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Anna Cuevas has hit on a book idea that couldn’t be more timely! No one needs to be reminded of the economic mess we are all facing: inability to continue to pay mortgages and face foreclosure is becoming a topic of conversation and an action far too many are finding real. There is a tendency
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HAMP GUIDANCE ON ADJUSTABLE RATE MORTGAGES Borrowers with adjustable rate mortgage (ARM) loans, including ARM loans that provide for a monthly payment option (e.g., specified minimum payment, interest only payment, 40, 30 and/or 15 year fully amortizing payment) (Pay Option Loans) and interest only ARM loans, that have an interest rate reset scheduled within 120
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The Federal Reserve Discourages Foreclosures Anna Cuevas It took a while—years, in fact—but the Federal Reserve is finally stepping into the foreclosure crisis. In the form of a Federal Reserve paper addressed to the Financial Services Committee of the House of Representatives, Ben Bernanke, Chairman of the Federal Reserve, has issued a public statement against
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Ways to Fight Back When Your HAMP Loan Modification Process Leaving You Feeling Like You’re in a Scene from Twilight By: Anna Cuevas Has the long, complicated HAMP loan modification process left you in the dark, confused or, even worse, without a clue about what’s going on and what’s expected of you? If so, you’re
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Bank of America Introduces Program to Extend Mortgage Protections for Servicemembers Beyond Active Duty CALABASAS, Calif., Mar 10, 2011 (BUSINESS WIRE) – Bank of America today announced programs for its mortgage customers serving in the United States military, improving key benefits for those on active duty and extending mortgage protections for servicemembers beyond active duty.
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Save Your Home for the Holidays: Author Event with Anna Cuevas Author Discussion Come in and meet Anna Cuevas, author of Save Your Home: Without Losing Your Mind Or Your Money, from 1:00-3:00 pm. Anna will host a Q&A event that explains how to play the foreclosure game with your bank — and win! Saturday
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If you lost your home to foreclosure between January 1, 2009 and December 31, 2010 you may be eligible for an Independent foreclosure review. These are the participating lenders: America’s Servicing Co. Aurora Loan Services Bank of America Beneficial Chase Citibank CitiFinancial CitiMortgage Countrywide EMC EverBank/EverHome Mortgage Company GMAC Mortgage HFC HSBC IndyMac Mortgage Services
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Bank of America Home Loan Modification Do you qualify for Bank of America National Homeownership Retention Program Bank of America answers frequently asked questions: Am I eligible for the National Homeownership Retention Program? Principal forgiveness can help qualified homeowners who are past due and underwater Bank of America has implemented an earned principal forgiveness approach
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A Save Your Home Plan of Action - EMPOWERS YOU TO SAVE YOUR HOME AVOID PAYING THOUSANDS OF DOLLARS to save your home Be empowered TODAY - START MOD NOW Avoid uncertainty and fear Understand and know what the bank will see BEFORE submitting then confidently submit your fully customized and complete and detailed loan modification package
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NEW – Save Your Home Workshop
September 22, 2012 10:00am – 1:00pm PDT (-07:00)
Price: FREE with sign up
Spa Resort Casino
401 E Amado Rd – Just off the HOTEL Lobby.
Palm Springs, CA 92262
