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http://bit.ly/ulBaLB – Modification. Compare mortgage, refinance, insurance and CD rates. Expert analysis of home loan finance topics and trends. Foreclosure. Find breaking news, multimedia, reviews & opinion on Washington, business, sports, movies, travel, books, jobs, education, real estate, cars & more. Real. Search for a new home or find mortgage rates, real estate agents, and relocation services throughout the US, Canada, and Puerto Rico. Home * WELCOME TO PETS IN SPAIN * The Pets In Spain team are here to help abandoned animals in Spain and others in need of re-homing. home mortgage modification. Need mortgage loan modification help? Get a free, no obligation consulation today. home loan modification. real estate marketing. mortgage modification. Why Choose US REO Properties? US REO Properties (Real Estate Owned Properties) is an industry leader in real estate foreclosure listings. The Web’s #1 Source for HUD homes, government foreclosures and houses for sale. forbearance agreement. foreclosure.

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The U. S. subprime mortgage crisis was one of the first indicators of the late-2000s financial crisis, characterized by a rise in subprime mortgage delinquencies and foreclosures, and the resulting decline of securities backed by said mortgages. The ratio of lower-quality subprime mortgages originated rose from the historical 8% or lower range to approximately 20% from 2004-2006, with much higher ratios in some parts of the U. S. A high percentage of these subprime mortgages, over 90% in 2006 for example, were adjustable-rate mortgages. These two changes were part of a broader trend of lowered lending standards and higher-risk mortgage products. Further, U. S. households had become increasingly indebted, with the ratio of debt to disposable personal income rising from 77% in 1990 to 127% at the end of 2007, much of this increase mortgage-related.

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Learn more http://www.introabc.com The banks have been caught committing mortgage and foreclosure fraud

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The ShredShack was created to help spread the word regarding the Only REAL help available to those with mortgages underwater or upside-down.

Tired of talking to countless Bank representatives, State Departments, private non-profit companies, and Attorneys who all talk about modifying only the conditions of your loan, but not the Principal Balance / Loan Amount??? Tired of these representatives asking that you fill-out countless amounts of forms, only to asked months later that you to fill even more forms?

Tired of no one REALLY helping with regard to a REAL aggressive solution such as fixing the LARGEST issue at hand — your mortgage Principal Reduction on the Balance??

Look no further. Upon qualification, you can experience True solutions that will modify Term, Conditions, and effectively write an entirely new mortgage for you.

The Shred Shack is the Leader as we exercise the only technique currently available within the U.S. to offer such a result.

The TRUTH is that the banks have already been bailed out by the tax payer (you), so they have very little incentive to behave in a way that will offer you real aggressive assistance. I’m sure youve discovered this notion to be simply insult to an already very deep injury. AND WE AGREE.

What we offer is actually not a modification at all, but a re-finance option that will not only change your conditions and overall balance, but write a brand new mortgage for your property.

Best of all, you have nothing to loose, as we do all the negotiating, all the internal paperwork, all the processing, and charge you NOTHING upfront while we work for you. All you pay are the closing costs.

Best – Best of all, we do not commit to working on this plan on your behalf unless we believe we can close your new mortgage allowing you the security and piece-of-mind that all you will owe on the new mortgage is a new principal balance of 5% LESS than current Market Value for your property! Yes, you heard right, well structure this so you gain equity!

Join me for my live radio show or view my video clips for copies of prerecorded shows as well as presentations regarding this amazing opportunity.

e-mail me here for more info and to apply online!

InLiberty!

Ricardo

Great site: !!
What Would the Founders Do? – WWFD
InLiberty.com

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Florida First Choice Mortgage is a full service mortgage broker in Palm Coast, Florida.

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Get 20 Questions to ask mortgage lenders and much more before you even pick up the phone to them. Mortgage Education Seminars is not affiliated with mortgage lenders, realtors or brokers. Our company educates the public how to qualify themselves for a mortgage that they will be able to pay off and own a home, while they pay their bills… We start with 20 questions to ask mortgage lenders… and there is so much more. Please visit our website to find out more. There is no beating around the bush with this course. The information is life lasting. Go to www.mortgageeducationseminars.com and click on our “Easy Llink” to see just how simple it is to get our information.

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http://realestatemarketingthisweek.com – Real Estate Marketing – Foreclosure Rescue Scams and How to Protect Yourself – With Michael J Barnes, Brett Fallon and Dan Havey of Real Estate Marketing This Week

Part 7 – The Foreclosure Sharks, you have written this book or I think it’s called a white paper. Free report whatever you want to call it its packed full of really good and interesting information. It’s called The Foreclosure Sharks – A look at the rampant theft of Americans homes through foreclosure rescue scams.

And folks I have to tell you I think we’re going to spend the next week, the majority of the show talking about what the heck is going on out there. And what you need to do to protect yourself in case you should happen to be against this problem. You really need to know what your options are. This free report is available online at http://mortgageanswerman.com. You have got to get this. The information is really good, and one of the taglines that you have here Dan is, Theres blood in the water and the sharks can smell it.

Right. What made me actually write this was a number of years ago I had been working with people in foreclosure for years, and it was just a way to let them know what was going to be going on once the foreclosure was filed against them. Now in many cases, these people were already experiencing what was going on.

And again I’ve recently had a friend or two go through foreclosure and I had them collect all of the paperwork that they got from all of the foreclosure guys out there trying to help them sell their house or do whatever it was, and I was surprised at how thin the stack was. This one gal in particular, lives in Scottsdale in a very nice house and she didnt have more than maybe 6 letters. In the past, a couple of years ago, especially at the peak of the market, when somebody was in a foreclosure situation they would have seriously a stack 6 inches thick.

People would be knocking on their door 24 hours a day, calling them, dropping off stuff. There were cars driving by all the time and it really got to be a nuisance. And frankly I think it hurt the home owner and their standing in a neighborhood, with all of that traffic and of course everybody knew that they were having problems. So that is why the report was originally written and why I wanted to talk about it today because of all the foreclosures going on in the market right now.

Now let me ask you a question, you are saying that two years ago if I were in a foreclosure my mail box would be chock-full of marketing products. Youre telling me now that there is virtually none?

Well I think that part of it is that back then there was financing available to be able to come in and refinance the people. I certainly myself did dozens of loans, at least, to bail people out of bankruptcies and foreclosures, and also people had equity back then. Property values were continuing to go up. I forget how many scams I pointed out here in the book, I think there are 18 or something in here, and most of them are essentially people attempting to get your house away from you, either refinance it, sell it for you, take a lease option, there are all kinds of different scams involved, but I think the reason we see so much less of it today is because there is so much less equity. So if you are upside down by $300,000 in your house, i dont care how good of a scammer you are, you are not going to make a lot of money off that.

But there are a couple of scams going on right now that I want to talk about because there are a couple of things that happened just recently that harkened me back to when I first got started in real estate here in Arizona in the late 1980s. I was selling repos for Fannie Mae, Countrywide, and the Resolution Trust Corporation, which was in charge of selling off all of the real estate owned for the 1,800 or so Savings and Loans that failed in the late 1980s early 1990s. There were so many scams going on then, I mean we had just tons of vacant houses we were selling, and one of the big scams that I thought was actually being perpetrated on a friend of mine the other day is a little something known as rent skimming… http://realestatemarketingthisweek.com/foreclosure-rescue-scams-and-how-to-protect-yourself/

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In this video Fredrick P. Niemann a New Jersey Mortgage, Foreclosure and loan modification attorney explains some of the legal options New Jersey property and homeowners can use to avoid losing their home and property to foreclosure. You must take immediate action now to demonstrate an ability to become current on your loan. By using such techniques as counterclaims to predatory lending, loan modification, deeds in lieu, foreclosure, short sales and even bankruptcy victims of today’s unprecedented real estate market can modify their loans, lower their interest rates, extend the repayment term and reduce their monthly payments while they save their home and property from foreclosure.

Contact Fredrick P. Niemann a NJ Mortgage Foreclosure lawyer today toll free at (888) 800-7442 or e-mail him at fniemann@hnlawfirm.com.

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http://realestatemarketingthisweek.com – New Fannie Mae Streamline Loan Modifications may do more harm than good

Part 5 –

We do realize that there are situations that people are in that they want to be out of and we want to move past. We have back in the studio, the author of Real Estates Future also the author of The Foreclosure Sharks white paper, a fantastic manual that he has put together that you can get for free. Dan Havey thank you very much for coming back. You can get a copy of the white paper The Foreclosure Sharks at http://mortgageanswerman.com.

So Dan I know that you have brought the just recently released new Fannie Mae, Freddie Mac guidelines, with their streamlined modification process. This is the kind of thing where the consumer can go and do-it themselves, right?

Yes, except that we would certainly advise against that. These are the guidelines that Fannie Mae came out with; they are effective as of a couple weeks ago now. But with Christmas and the holidays I dont think a whole lot of people have figured out what this is all about yet. So as we said in the last segment the guidelines that they have come out with here, and what I have is a print out but I dont know that this is the whole thing because I have heard some commentary on this that actually says that it is much worse then I am about to relay to everyone on the air.

I am just going to pick out a couple points about this and then I will let Michael laugh about them because some of these things are just crazy in the fact that it doesnt really help the home owner and I also dont think it is going to move us past the conditions we have to get people some really good loan modifications, the kind of loan modifications that we are talking about where you actually employ an attorney to help you with your loan modification.

The reality of it is we need to get through this mess we dont need to stave it off, push it out further and in my opinion that is what this does. That is exactly what is going on here, there was an article I was reading by Fitch, which is one of the major bond rating firms and that is exactly what they said. They said that the alt-A arms are all coming back to roost now, I think the default rate was over 14% on all alt-A arms, being at least 90 days past due. And the comment in the article was something like, well we havent really seen a lot of losses from it yet and then it said in a caveat at the end, and we think its because they are not really foreclosing on any of these guys yet, so that is why they havent seen any losses. Well if you keep pushing it off into the future eventually you are going to have to see some of these losses.

We have the same thing here with Fannie Mae, which I think it is just another band-aid; it is not going to really solve the problem. First what they have here, and this one is pretty benign, that once they give you the new mortgage payment you have a three month trial period. If you make the payments during that trial period they let you keep the modification. So that one is not so bad.

The next one says that the qualified borrower cant be in litigation, bankruptcy, or have an existing work out plan, and you have to be at least 3 months behind or in foreclosure in order to be eligible for this streamline.

Ok I get to comment right? SO basically what Fannie Mae and Freddie Mac just told everyone, according to this that I am reading right here, Fannie Mae and Freddie Mac just told you to be 90 days late on your mortgage. That is exactly right, they said that the only way they were going to be able to help you was to be 90 days late on your mortgage.

So I have been, over the past several months, heck Dan you helped us put together the package, you are the cofounder of the modification hotline and I am on the radio every week when we do a little blip about load mods from time to time, saying dont trust anybody who tells you to be late on your mortgage. First of all no loan professional, no mortgage professional, no loan modification specialist will tell you to be late on your mortgage, however, Fannie Mae and Freddie Mac just said you need to be at least 90 days late on your mortgage if you want them to help you.

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