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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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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By: Leon Scott Baxter, America’s Romance Guru Introduction by Anna Cuevas Financial struggles are one of the biggest stressors in a relationship or marriage. It’s no wonder, then, that when couples are facing foreclosure, they often find that they lose not only their home, but also their relationship. I’m a strong advocate for
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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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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx Early in 2010, Treasury announced that the Hardest Hit Fund® would provide more than $7.6 billion in aid for homeowners in states hit hardest by the economic crisis. Since then, state housing finance agencies have used the fund to develop programs that stabilize local housing markets and help families avoid foreclosure. Hardest
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If you are unemployed and depending on your situation, MHA’s Home Affordable Unemployment Program (UP) may reduce your mortgage payments to 31 percent of your income or suspend them altogether for 12 months or more. + Eligibility You may be eligible for UP if you meet all of the following criteria: You
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If you’re not behind on your mortgage payments but owe more than your home is worth, FHA Short Refinance may be an option that your mortgage servicer will consider. FHA Short Refinance is designed to help homeowners refinance into more affordable, more stable FHA-insured mortgage. If your current lender agrees to participate
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA’s Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If you have a second mortgage and your first mortgage servicer agrees to participate in FHA Short Refinance, you may be eligible to have your second mortgage on the same home reduced or eliminated through the FHA Second Lien Program (FHA2LP). If your second mortgage servicer agrees to participate, the total amount
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If you can’t afford your mortgage payment and it’s time for you to transition to more affordable housing, the Home Affordable Foreclosure Alternatives (HAFA) program is designed for you. HAFA provides two options for transitioning out of your mortgage: a short sale or a Deed-in-Lieu (DIL) of foreclosure. In a short sale,
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx FHA, VA and USDA all offer programs for struggling homeowners that strive to lower your monthly mortgage payment to 31 percent of your verified monthly gross (pre-tax) income — making monthly mortgage payments much more affordable. If you have a loan that is insured or guaranteed by the Department of Veterans Affairs
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx FHA, VA and USDA all offer programs for rural homeowners to lower their monthly mortgage payment to no more than 31 percent of their verified monthly gross (pre-tax) income — making monthly mortgage payments more affordable. If you have a loan that is guaranteed by the United States Department of Agriculture’s (USDA)
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx FHA, VA and USDA all offer mortgage modification programs for struggling homeowners designed to lower monthly mortgage payment to no more than 31 percent of the homeowner’s verified monthly gross (pre-tax) income — making monthly mortgage payments much more affordable. If you have a loan that is insured or guaranteed by the
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If your first mortgage was permanently modified under HAMPSM and you have a second mortgage on the same property, you may be eligible for a modification or principal reduction on your second mortgage as well, through MHA’s Second Lien Modification Program (2MP). 2MP works in tandem with HAMP to provide comprehensive solutions
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Article Repost: http://www.makinghomeaffordable.gov/programs/view-all-programs/Pages/default.aspx If your home is currently worth significantly less than you owe on it, MHA’s Principal Reduction Alternative (PRA) was designed to help you by encouraging mortgage servicers and investors to reduce the amount you owe on your home. + Eligibility You may be eligible for PRA if: Your mortgage is not
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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
