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MORTGAGE RELIEF PROGRAM REVAMP
 
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Просмотров: 279 ZNSNetwork
Mortgage Relief
 
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Arizona Republic real estate reporter Catherine Reagor explains how a new federal mortgage relief plan could help more Arizona borrowers refinance their upside-down home loans.
Просмотров: 59 Arizona PBS
Tips for Filling Out the Request for Mortgage Assistance Form | Ark Law Group
 
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The Key Tips You Should Know When Saving Your Home Through The Government Mortgage Assistance Programs. Find out if you qualify for mortgage relief: http://www.arklawgroup.com/mortgage-relief-program-eligibility For more info: http://www.arklawgroup.com/blog/15-communication-tips-that-will-help-you-negotiate-successfully-with-your-mortgage-lender Nadia and Lambros of ARK Law Group give some tips on how to use the request for mortgage assistance (RMA) form when working with your lender. There are a lot of government programs that might work for you, and help get a loan modification approved. These are run through the "making homes affordable" program, and, ideally, you want to be placed under this program. Part of applying for that program is the RMA form. Here are some tips for completing that form: 1. The RMA form is always being updated with little changes, blank pages added, etc. Always search for the latest version of the form, as sometimes it can take as much as 30 days for the lender to notice you are using an outdated version of the form and get back to you. When facing a foreclosure sale date, that might be the difference between getting a loan modification in time, and losing your home. 2. Every single line needs to have something in it, even if it doesn’t apply to you. Write N/A instead of leaving it blank. A lender seeing a blank field will assume an incomplete document and reject it. 3. Make sure that the financial page is completely filled out and accurate regarding everything coming in, and going out, of the household. The RMA form doesn’t account for every type of income on that form. If the form doesn’t have a space for a type of income you receive, be sure to use the "other" space. The form also doesn’t provide enough space for expenses, so if you need more, add a supplement page and itemize your expenses so the lender has a complete picture. 4. Always use a wet signature on the form, electronic signatures are not acceptable. 5. If you have questions on the types of expenses or income, it will depend on the type of loan you are applying for, and you should seek legal assistance. ********************************* Subscribe to our YouTube channel: https://www.youtube.com/c/Arklawgroup Read some of our 550+ five star reviews here: http://www.arklawgroup.com/testimonials Related Videos https://www.youtube.com/watch?v=lHQRpVQ2hM0 https://www.youtube.com/watch?v=ZtbFM11ozYo ********************************* Ark Law Group specializes in providing total financial relief to distressed homeowners and consumer borrowers. The attorneys at Ark Law Group are experts in foreclosure prevention, debt settlement, bankruptcy law, loan modifications, mediation services and short sales. The Ark Law Group "Every Last Penny" Guarantee: We won't stop working until every last penny of your debt is gone. That is our guarantee to you. Call us for a free consultation 1-888-373-9713.
Просмотров: 1363 Ark Law Group - Washington
HAMP Loan Modification: Four Tips to Make Your Trial Payments Plan Go Smoothly | Ark Law Group
 
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The Four Tips To Help Your Loan Modification Trial Plan Go Smoothly. Find out if you qualify for mortgage relief: http://www.arklawgroup.com/mortgage-relief-program-eligibility For more info: http://www.arklawgroup.com/blog/hamp-program-guidelines-do-you-qualify Nadia and Lambros of ARK Law Group discuss loan modification trial plans. The most common loan modification plan is the HAMP loan modification plan, which is aimed at getting homeowners mortgage payment down to around 33% of your income, giving you an affordable mortgage payment. Many homeowners get approved for HAMP, at which point the bank wants to see you make three trial payments, to make sure you are stable and able to make those payments. It's key that those payments get made, get made on time, and there is nothing weird about them (they don’t get sent back, it’s not the right amount, there aren’t any questions - the key is that it goes smoothly). Anything out of the ordinary could result in not getting approved for the final loan modification. Make sure you fully understand the terms of your payment plan, and comply. Here are some tips: 1. When you do make a payment, always note down the confirmation number - call in and get it if need be. That’s how the bank tracks the payments, so if there is ever a problem you can reference that number. 2. Send your payment early if possible, 2-3 days early will give you time to handle any weird issues that pop up. 3. Send it in the exact right amount - don't send any extra money early on, since it will look like you are able to afford a higher loan modification amount. 4. Find out what method the lender prefers and use it. Registered/certified mail, phone, whatever is best for the lender. The smoother you make this trial payment plan process for the lender, the better your chances of getting an approved loan modification – which, for some, means the difference between keeping their home, and starting from scratch. ********************************* Subscribe to our YouTube channel: https://www.youtube.com/c/Arklawgroup Read some of our 550+ five star reviews here: http://www.arklawgroup.com/testimonials Related Videos: https://www.youtube.com/watch?v=xIuEOR4wdO0 https://www.youtube.com/watch?v=_Am-2ynL1l8 ********************************* Ark Law Group specializes in providing total financial relief to distressed homeowners and consumer borrowers. The attorneys at Ark Law Group are experts in foreclosure prevention, debt settlement, bankruptcy law, loan modifications, mediation services and short sales. The Ark Law Group "Every Last Penny" Guarantee: We won't stop working until every last penny of your debt is gone. That is our guarantee to you. Call us for a free consultation 1-888-373-9713.
Просмотров: 867 Ark Law Group - Washington
Disaster Relief Mortgage
 
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This loan program does not require a down payment. It has very flexible guidelines with regards to income, credit, and assets. It also allows for seller contribution up to 6% of the sales price. You could move in for as little as zero or for as little as it might take to rent a new apartment or a new home. For more information go to www.teammortgagemack.com.
Просмотров: 45 Mack Blankenship
President Barack Obama unveiled his $75 billion mortgage relief plan, a series of measures the presi
 
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(18 Feb 2009) HEADLINE: Obama unveils $75 billion mortgage relief plan CAPTION: President Barack Obama unveiled his $75 billion mortgage relief plan, a series of measures the president says will keep 9 million people from losing their jobs. The AP's Julie Pace breaks down the plan. (Feb. 18) [Notes:ANCHOR VOICE] President Barack Obama is rolling out the next step in his multi-pronged plan to revive the U-S economy....a 75 billion dollar program to help struggling homeowners. Obama says the plan will keep nine million Americans from losing their homes to foreclosure. SOT Barack Obama "the plan I'm announcing focuses on rescuing families who have played by the rules and acted responsibly." The plan offers incentives for lenders to lower monthly mortgage payments for millions of Americans who are the brink of foreclosure. It will also make it easier for families to refinance their mortgages if their homes are worth less than they owe. Stand-Up Julie Pace/The Associated Press "Obama's housing plan is more ambitious than originally expected - and more expensive. But with the effects of the crisis reverberating across the financial markets, Obama says the plan is necessary to not only get the housing market back on track." SOT Barack Obama "In the end, all of us are paying a price for this home mortgage crisis. And all of us will pay an even steeper price if we allow this crisis to deepen," But some experts wonder if incentives will be enough to get banks and lenders to act. SOT John Taylor/National Community Reinvestment Coalition "maybe we'll all be pleasantly surprised and see these investors and lenders who weren't willing to move a week ago or thirteen months ago, all of the sudden, through a voluntary program, because of a $1500 fee, willing to do massive modifications. Maybe that will happen. Even so, the president says the plan can't - and won't - help everyone. SOT Barack Obama "it will not rescue the unscrupulous or irresponsible by throwing good taxpayer money after bad loans. It will not help speculators who took risky bets on a rising market and bought homes not to live in but to sell." Funding for the mortgage plan will come from the 700 billion dollar bank bailout passed by Congress last fall. Julie Pace, The Associated Press, The White House You can license this story through AP Archive: http://www.aparchive.com/metadata/youtube/938b0332598383163962d13da512f2a7 Find out more about AP Archive: http://www.aparchive.com/HowWeWork
Просмотров: 84 AP Archive
Obama reveals mortgage relief plan
 
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President Obama is using this super Tuesday to announce a new mortgage relief plan for military members and veterans. Under the plan borrowers with mortgages insured by the federal housing administration will be able to refinance at half the fee that
Просмотров: 116 FOX 4 Now
DUANE SANDS ON MORTGAGE RELIEF PLAN
 
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NB-12 AUGUST 17TH, NEWSCAST
Просмотров: 278 OUR NEWS
Force banks to restructure upside down mortgages
 
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SAMPLE LETTER ---------------------------------------- Dear Supervisors, Please consider developing a program like the Homeownership Protection Program that the San Bernardino County Board of Supervisors is working on to help underwater homeowners. http://www.latimes.com/business/money/la-fi-mo-eminent-domain-20120620,0,4970444.story Families like mine are trapped in upside-down mortgages. We continue to cut back on expenses to keep up with rising prices but cannot find any way to get ahead. Current mortgage relief has not worked or been available for us. We're also not technically bankrupt but totally insolvent. I'm afraid that until our mortgage nightmare is resolved we grow deeper and deeper in trouble. A plan like the one San Bernardino County is developing would give us the relief we need. Please initiate a program like this for our county. Thank you MUST READ ---------------------------------------- News Story: San Bernardino considers eminent domain to seize underwater mortgages http://www.latimes.com/business/money/la-fi-mo-eminent-domain-20120620,0,4970444.story RESOURCES ---------------------------------------- Eminent domain http://en.wikipedia.org/w/index.php?title=Eminent_domain Negative equity http://en.wikipedia.org/wiki/Negative_equity CDO (collateralized debt obligation) http://en.wikipedia.org/wiki/Collateralized_debt_obligation
Просмотров: 514 housingactivism
About the MORTGAGE RELIEF plan
 
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Refinancing and modification
Просмотров: 86 Destination Casa Blanca
The mortgage relief plan
 
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According to the center for Responsible Lending, a new family enters into foreclosure every 13 seconds. President Obama has announced the Homeowner Affordability and Stability Plan to help up to 7 to 9 million families restructure or refinance their mortgages to avoid foreclosure. But what does this plan entitles, how exactly does it work, who qualifies, and what do they need to do to benefit?
Просмотров: 545 Destination Casa Blanca
Buy-to-Let mortgage tax relief changes explained
 
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DAVID GILES (The Property Guy) interviews Rose Duly of Ward Goodman Accountants and Independent Financial Advisers. Will the changes to buy-to-let tax affect you? What are the workarounds? Is everybody affected? Can you move your property/ies into a Limited company without paying stamp duty or capital gains tax?
Просмотров: 1880 The Property Guy
Update on Govt. Mortgage Relief Plan
 
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Просмотров: 24 ZNSNetwork
A1A Mortgage Relief Plan
 
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Просмотров: 17 Agi Anderson
Mortgage Forgiveness Relief Act  April 2017
 
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Update on the current status of the mortgage forgiveness relief act
Просмотров: 1054 Law Office of Anthony V. Panzica
LOAN MODIFICATION SECRET MORTGAGE RELIEF SUCCESSLEGAL HELP ModByLawyers
 
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At the ModbyLawyers we work with homeowners and their lenders to avoid foreclosure. For years, Real Estate and Lending Professionals have done a good job at getting people into homes. But, not enough emphasis has been placed on keeping Homeowners in their homes when financial hardships arise. Now, "Loss Mitigation", "Foreclosure/REO Avoidance" and "Customer Retention" are the "buzz words" of most mortgage servicing environments. We have established a national network of Real Estate Professionals to facilitate greater cooperation between Homeowners and Lending Professionals. We are committed to a timely and cost effective resolution of non-performing assets. The ModbyLawyers specializes in resolving the following Non-Performing Asset challenges. The ModbyLawyers is a fee-only foreclosure mitigation company that prides itself on unparalleled service and performance. We are committed to providing unbiased advice and prudent strategies for non-performing assets. Our services are always tailored to your unique needs. Our fee-only approach allows us to serve you without compromise. We do not work on a commission basis, nor do we benefit from recommending any particular course of action. Our reward is satisfied clients! LOAN MODIFICATION QUESTIONS WHAT IS A LOAN MODIFICATION? Loan modifications are any changes made to an already existing loan on real property. The modification may take the form of a change in the interest rate, the repayment schedule, the principal amount of the loan, or any other terms or combination of terms. 
HOW LONG DOES IT TAKE? There is no set time to complete the loan modification process. Most of the time, it is a process that takes several weeks up to several months. 

 WHY DOES IT TAKE SO LONG? The lending institutions are overwhelmed by the number of demands for loan modification. The banks have experienced financial set backs leading to layoffs and an increased work loan. Patience is the virtue that serves everyone involved in this process. 

I AM IN DEFAULT. WILL THIS PROCESS SAVE MY HOUSE? No one can guarantee that the loan modification process will stop a foreclosure. However, under these circumstances, we advise you to contact an attorney. 

 IS THIS LIKE REFINANCING? No. First, you do not need to qualify for a loan modification. Loan modifications are requests made of your existing lender. 
CAN I TAKE MONEY OUT WHEN I MODIFY? No. You are asking the lender to take a loss on your loan. Do not expect that the lender will also give you money as well. 
THE PROCESS SOUNDS INTIMIDATING. IS IT? Yes, it can be quite intimidating. Most clients have never had to deal with a lender on this level. But, you can count on our professional team to be there for you every step of the way. 

WILL THE FIRM KEEP ME UP-TO-DATE ON THE PROGRESS? Absolutely. You will be provided with constant updates on the status of your loan modification. 
WHAT DO I NEED TO DO? All that we ask is that you provide us with all of the information we ask you for and that you do so in a timely manner. To start, we will need a financial statement, two months of bank statements, your three most recent paystubs and a hardship letter. About ModByLAwyers staff: Our Attorneys are licensed to practice law in the State of California and have many years of experience in the Real Estate and Mortgage business law. We are also proud to have a team of highly Experienced Professional staff with many years of experience in loan processing and negotiation with working experience from some of the largest financial institutions in the US such as Bank of America, Wells Fargo, Countrywide, Wachovia, World Savings, and many more. Mod By Lawyers, Inc 1900 S. State College Blvd Suite# 300 Anaheim, CA 92806 Ph: (714) 464-6214 Fax: (714) 206-0994 By Email:
Info@ModByLawyers.com Announcements Mod By Lawyers Modification program offer a full team of corporate processors, negotiators and attorneys to support their clients. We are among the first doing loan mods since October of 2007 and continue to develop strong lender relationships and evolve our program. Well work together with you and your client to make sure they get the best possible representation on their loan modification. Mod By Lawyers is here to help your clients fix their broken loan and keep them in their home. News update,government programs, help, loan modification success,applicants,mortgage refinancing Mortgage relief, loanout, foreclosure prevention. Refinance loans, making home affordable program, mortgage loans, lenders, California loan modifications, California foreclosure moratorium, home loans, California lenders, countrywide, indymac, wells fargo,adjustable,home loan defaults
Просмотров: 135 FreeLoanModification
Obama Unveils $75 Billion Mortgage Relief Plan
 
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President Barack Obama unveiled his $75 billion mortgage relief plan, a series of measures the president says will keep 9 million people from losing their homes. (Feb. 18)
Просмотров: 12141 Associated Press
Obama's (HARP 2.0) Explained in Less Than 2 Minutes. Home Affordable Refinance Program..flv
 
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http://www.harpprogram.net Resources and information about the Harp Program (Harp 2.0) and HOW the government could help you to get a Harp loan refinance. What Is A HARP Loan And Who Could Get A Harp Refinance? HARP is commonly referred to as the Home Affordable Refinance Program. In an effort to help stabilize the housing market, the federal government developed this program to help homeowners who either did not have enough equity for a traditional refinance or who were having problems making the monthly payments on their current mortgages. Who is the HARP program of 2012 designed for? Maybe you've gotten laid off, drained your savings account to make your mortgage payments, and now don't have any dime left to make further payments. Maybe you've had to take furlough days, a pay cut, and pay more in health insurance benefits and you simply don't have the income you used to have. In order to qualify for the Harp Program, you've got to own a mortgage that is held by one of the two government guarantors and you've got to have a lender that participates in the HARP program itself. Other than that, the government refinance program qualifications involve making regular payments on your mortgage for a consistent period of time, have the inability to qualify for a traditional refinancing package through other major lenders, and have your mortgage be underwater. Are you able to qualify for the Obama HARP program of 2012? If you think that you might qualify for the HARP program of 2012, then be sure to apply as soon as you can. Some lenders have limited positions available in this program, so be sure to get your application in ASAP. Your underwater home doesn't have to put your entire financial picture underwater as well. Apply today for HARP 2.0 and see just how much money you could save with a lower interest rate today! http://goo.gl/I3p0C search terms: Harp program, home affordable refinance program,harp 2.0 changes,harp loan,harp refinance,underwater mortgage refinance,mortgage refinance,Obama refinance..
Просмотров: 12596 Makemoneyonline4noob
Mortgage Accelerator Program
 
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Mortgage acceleration example of one of many strategies Financial Relief Alliance can utilize to pay off your mortgage and all your debt saving 100's of thousands of dollars in interest payments and doing so in a fraction of the time it would normally take.
Просмотров: 69362 financialrelief
Few Borrowers Getting Permanent Mortgage Relief
 
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Executives at two of the nation's largest banks say they are struggling to get homeowners to complete the necessary paperwork for the Obama administration's mortgage relief plan, and only a fraction of homeowners have finished the process. (Dec. 8)
Просмотров: 316 Associated Press
Hurricane Irma Mortgage Relief - Get the truth
 
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There is a lot of misinformation concerning mortgage payments after Hurrican Irma. This video should help clarify your options. Check to see if you have a Fannie Mae loan: https://www.knowyouroptions.com/loanlookup Check to see if you have a Freddie Mac Loan: https://ww3.freddiemac.com/loanlookup/ Reach out to us with any questions @ jfox@tcmsecurities.com Remember to subscribe!
Просмотров: 682 Financial Straight Talk
Leno's "Video Metaphor" For The Federal Mortgage Relief Plan
 
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http://townhall.com/tipsheet/
Просмотров: 18715 gregtassone
Clever Ways to Get out of Debt: Chapter 13 & Loan Modifications
 
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When struggling to get out of debt, some people don’t realize that there are some clever ways to solve their debt problem. For example, in a Colorado Chapter 13 bankruptcy, someone can remove a second mortgage pay back income taxes to the IRS without penalties and interest, refinance cars by removing the negative equity, and obtaining a loan modificaiton Colorado Chapter 13 bankruptcy has a few “tricks”. First, Colorado Chapter 13 bankruptcy is a way to eliminate a second mortgage. If you own a home that is worth $225,000 with a first mortgage of $250,000 and a second mortgage of $75,000, the second mortgage of $75,000 can be removed. During the last recession, this legal remedy was employed by thousands of homeowners whose homes were “underwater”. Before you feel guilty about it, remember, this practice is permissible under federal law. The process only works if the value of your home is worth less than the balance of your first mortgage. If your home is worth $251,000, you would not be able to remove the second mortgage. Colorado Chapter 13 bankruptcy allows you to repay taxes without accruing future interest and penalties. Some taxes are dischargeable, which we’ll discuss later, but taxes from the last three years typically need to be repaid. A Colorado Chapter 13 bankruptcy is a way to pay your tax debt without incurring future penalties or interest. Again, the savings can be huge. Another benefit of Colorado Chapter 13 bankruptcy is the ability to refinance cars. Financing cars is generally a poor financial decision because you’re paying interest on an asset that depreciates. As a result, you are likely to owe more to the bank than what the car is worth. Colorado Chapter 13 bankruptcy allows a debtor to refinance a car to repay what the asset is worth instead of what is owed. Assume you have a car worth $7,500 and owe $14,000. Under Colorado Chapter 13 bankruptcy, you can pay off the car at $7,500 instead of $14,000. You can also lower your interest rate. I’ve been able to help my clients reduce interest rates from 24% to 5% under a Colorado Chapter 13 bankruptcy. That is a huge savings. One final benefit of a Colorado Chapter 13 bankruptcy is that you can qualify for a loan modification. A loan modification is a program that allows homeowners to lower their mortgage payment to 31% or less of their gross monthly income. The program suddenly gave hope to homeowners struggling to make mortgage payments or facing foreclosure. A loan modification involves your lender modifying your existing mortgage payment to make it affordable. A loan modification can change the interest rate, restructure the term of the loan, and remove delinquent fees. A loan modification also allows an adjustable rate mortgage to be converted into a fixed interest rate loan. The primary focus of a loan modification is reducing monthly payments to 31% or less of a person’s gross monthly income. For example, if your gross monthly income is $5,000 per month, then your mortgage payments should be $1,550 per month or less. If your mortgage consumes a higher percentage of your income, the goal of a loan modification is to reduce your monthly mortgage payment. A loan modification is not available to someone who just wants to lower his monthly mortgage payment. The homeowner must show proof of financial hardship that warrants a modification, such as a pending foreclosure, bankruptcy, etc. Once the application is received, the mortgage company will evaluate the homeowner’s income, debt, and hardship eligibility criteria. The best proof of financial hardship is by filing Colorado Chapter 13 bankruptcy or missing mortgage payments as this demonstrates the home may no longer be affordable. Such hardship can be caused by job loss, loan payment increase, decrease in income, divorce, medical expenses, etc. However, you don’t have to file Colorado Chapter 13 bankruptcy in order to qualify for a loan modification. Loan modifications are all the rage today and probably won’t be a long-term solution though. If it’s an option for you today, then take advantage of the opportunity now as there are some great benefits to obtaining a loan modification. If you want to find some clever ways to get out of debt such as filing Colorado Chapter 13 bankruptcy or obtaining a loan modification, then call Heupel Law to schedule a FREE consultation at (303) 955-7570. Heupel Law is located at 2440 Stout Street, Denver, CO, 80205. For more information about Heupel Law, visit www.HeupelLaw.com or watch this video again: http://youtu.be/Xu6A1BwW6xs
Просмотров: 7101 Heupel Law, P.C.
Obama's Mortgage Relief Plan.wmv
 
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Просмотров: 80 drlmls
Debt consolidation
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 93092 The Dave Ramsey Show
Ultimate Mortgage Relief Video.mp4
 
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More than 18 million homeowners owe more than their house is actually worth. Loan modifications and short sales have been nothing short of a disaster. Mortgage reduction may be the ultimate solution to America's mortgage crisis. The Ultimate Mortgage Relief system was designed to offer real hope to homeowners that have failed in bankruptcy or have been rejected in efforts to receive bank assistance in a loan modification or short sale application. True mortgage help is now available and this help does not require the homeowner to qualify for new financing. Verifiable income is basically all that is needed for homeowner relief. This simple to implement system can facilitate a substantial reduction in a principal balance and payments and a non technical application process takes about 15 minutes. In essence, Ultimate Mortgage Relief reduces mortgage principal balances to equal the current property market value, relieving the homeowner of excess debt.
Просмотров: 230 SalcidoDave
कर्ज खत्म करने के 8 अचूक उपाय | How to Pay Off Your Loans | Dr. Vivek Bindra
 
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In this video Dr. Vivek Bindra reveals 8 Extraordinary and revolutionary steps to eliminate your debts and manage your money, plan your finance and control your costs. As always Dr. Bindra in this video too lays down a framework for your success and financial growth. He has asked his audience for a call to action basis advises from some of the top money managers in the world. 1. If you want to save money, please watch this video 2. If you want to know ways to save money, please watch this video 3. If you want to know methods of saving money, please watch this video 4. If you want to make money, please watch this video 5. If you want to create wealth, please watch this video 6. If you want to save wealth, please watch this video 7. If you want to know how to save wisely, please watch this video 8. If you want to know how to invest wisely, please watch this video 9. If you want to get red of debt then please watch this video 10. If you want to learn to plan your finance then please watch this video 11. Learn how to plan your EMI payouts 12. Know how to plan your loan payouts 13. Know how to plan your payments to pay less and get more gains 14. Learn how to generate some extra EMI fund 15. Learn how to earn from additional sources 16. Learn to plan an additional source of income 17. Learn how to invest in appreciating assets 18. Learn what is temporary downsizing 19. Learn how to evaluate your extra expenses 20. Learn how to cut down on your extra expenses 21. Learn how to avoid from investing in non value added services and save 30% extra money To Attend a 4 hour Power Packed “Extreme Motivation & Peak Performance” Seminar of BOUNCE BACK SERIES, Call at +919310144443 or Visit https://bouncebackseries.com/ To attend upcoming LEADERSHIP FUNNEL PROGRAM, Call at +919810544443 or Visit https://vivekbindra.com/upcoming-programs/leadership-funnel-by-vivek-bindra.php Watch the Leadership funnel Program Testimonial Video, here at https://youtu.be/xNUysc5b0uI Follow our Official Facebook Page at https://facebook.com/DailyMotivationByVivekBindra/ and get updates of recent happenings, events, seminars, blog articles and daily motivation.
Просмотров: 3988053 Dr. Vivek Bindra: Motivational Speaker
Obama's Mortgage Modification & Relief Plan: There's Hope?
 
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http://www.60minuteloanmodification.com Loan Modification expert and author Mike Rockwood on President Obama's Housing Rescue plan announced in Phoenix today. For a free CD on Author Mike Rockwood's experience modifying 5 of his own home loans - and how you can too - please visit our Website at http://www.60minuteloanmodification.com
Просмотров: 357 Ryan Rockwood
Should Government Bail Out Big Banks?
 
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Should the government bail out big banks that may otherwise go bankrupt? Or should it let them go under, as it did with Lehman Brothers in 2008? Economist Nicole Gelinas, a fellow at the Manhattan Institute, has the answer, and it will have big implications for policymakers when they grapple with the next economic crisis. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: In 2008, America experienced the biggest meltdown of its financial sector since the Great Depression. The conventional wisdom is that this failure and subsequent government rescue, commonly known as "the bailout" was brought about by three decades of bank de-regulation. There were a lot of causes for the meltdown, but deregulation wasn't one of them. Ironically, it wasn't because the banks had become unmoored from government control that led them into the financial storm, it was because they had become too closely tied to government. For three decades Uncle Sam, like an enabling parent, had always "been there" when the big banks got into trouble. The shock in 2008 was that for one brief moment, Uncle Sam wasn't there. In the wee hours of September 15, 2008, Lehman Brothers filed for bankruptcy. The financial industry waited for the Feds to step in and save Lehman bondholders like it saved those of Bear Stearns some months earlier. That didn't happen. Global financial markets seized up. As the Dow Jones Industrial average fell 498 points, or nearly 4.4 percent, financial institutions effectively went on strike. Banks wouldn't lend money to other banks and thus, indirectly, to the public because they had no idea which financial institution might go belly up next. The economy can withstand a stock-market crash, but a credit-market freeze -- essentially a cash freeze -- can cause a Depression, as credit underpins almost all business and personal activities. Indeed, some large companies, including General Electric, were so dependent on these short-term credit markets that they were in danger of not being able to pay their workers. The financial industry pleaded with the government to act. Later in the same day, September 15, it did. The Feds wouldn't save Lehman's but it would save AIG, the primary insurer of mortgage loans. A month later, the Troubled Asset Relief Program (TARP), a $700 billion plan to pump taxpayer cash into America's banks and financial institutions was approved by Congress. Public officials generally agreed that the free market had failed. In November 2008, President George W. Bush came to New York to explain why he, a Republican president, had signed TARP into law. "I'm a market-oriented guy, but not when I'm faced with the prospect of a global meltdown," he said. But free-market capitalism had not melted down. Again, the problem was not that banks had been too free, but that they had grown too dependent on government over the last few decades. Here's a brief history. America's first post-Depression bailout of a big bank came in 1984 when the Republican administration of Ronald Reagan, with help from the Federal Reserve bailed out Continental Illinois, the eighth largest commercial bank in the nation. The bailout introduced the phrase "too big to fail" to the financial media's vocabulary. For the complete script, visit https://www.prageru.com/videos/should-government-bail-out-big-banks
Просмотров: 805363 PragerU
Mortgage Interest Tax Relief Changes  | McCartan Lettings 01792 430100
 
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Hannah McCartan of https://www.mccartanlettings.co.uk talks about the changes to the tax relief landlords get from April 2016. One of the biggest changes that landlords really need to start planning for right now is the withdrawal of the interest element of a mortgage being offset against your tax. This change will come into effect in April 2017 so we have a year from now to start planning. When it starts in April 2017 it will be introduced in 25% incremental steps so that in 2020 there will be zero tax relief for the interest part of the mortgage. Most certainly higher rate tax payers need to get accountant and tax advice now as there are certain instances where a landlord may be in a position they may be paying more tax than they receive in rental income! Which is a very scary prospect. Lower rate tax payers seriously need to be looking at their 5 year plan as it could be pushing lower rate tax payers into the higher rate band. Again they will be paying more tax than what they were expecting to be paying and cash flow is absolutely critical and making sure you can pay your tax. But more importantly, if you are being hit with larger tax bills, are you going to have enough money left over for your maintenance and your regular safety inspections? So our advice is please get professional tax advice now to ensure you don't have any shocks in the future. Further information: Website: http://www.mccartanlettings.co.uk Google+: https://plus.google.com/b/100216783300709888072/+mccartanlettings Facebook: https://www.facebook.com/mccartanlettings Mortgage interest tax relief changes Video: https://youtu.be/t4sn49T5xXU
Просмотров: 432 McCartan Lettings
Loan Modification Success Stories | Ark Law Group
 
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Success Stories: Getting a More Affordable Mortgage Payment With Loan Modification & Eliminating Arrears. Find out if you qualify for mortgage relief: http://www.arklawgroup.com/mortgage-relief-program-eligibility For more info: http://www.arklawgroup.com/testimonials Nadia and Lambros of ARK Law Group discuss how you can use a loan modification to eliminate your arrears, and get your mortgage payment down to a more affordable rate. A recent couple where the husband was a truck driver, had lost some of his income. They had kids in college and the wife decided to pay for their children’s tuition, but couldn’t afford the mortgage payments after that was done. They eventually became $20,000 behind before the husband's income returned to normal and they received a notice of default. They couldn’t work out how to deal with $20,000 so they contacted Ark Law Group, we immediately filed for mediation. They had some options at this point, HAMP Tier 1, HAMP tier 2, in-house loan modifications, forbearance programs, and unemployment assistance. Mediation gave them the system to ask for those. In most cases, lenders want the process to go as slowly as possible, to stay in the home as long as possible. In this case, they wanted an answer right away, so we filed for a loan modification even before the mediation session. They were approved for a HAMP Tier 2 trial modification plan with the following bonuses: - Foreclosure was taken off the table - No charges of late fees added during the trial plan - They would also get no late fees of any kind on the original $20,000 if they did successfully pay the trial plan ********************************* Subscribe to our YouTube channel: https://www.youtube.com/c/Arklawgroup Read some of our 550+ five star reviews here: http://www.arklawgroup.com/testimonials Related Videos: https://www.youtube.com/watch?v=-dDv-3t5HnU https://www.youtube.com/watch?v=fq1wEDRIhkU ********************************* Ark Law Group specializes in providing total financial relief to distressed homeowners and consumer borrowers. The attorneys at Ark Law Group are experts in foreclosure prevention, debt settlement, bankruptcy law, loan modifications, mediation services and short sales. The Ark Law Group "Every Last Penny" Guarantee: We won't stop working until every last penny of your debt is gone. That is our guarantee to you. Call us for a free consultation 1-888-373-9713.
Просмотров: 232 Ark Law Group - Washington
Florence Relief || Mortgage Programs Now Available
 
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Attention North Carolina residents effected by Hurricane Florence. If your home(rental or owned) was effected by this disaster local lenders now have access to programs designed to get you into a new home.
Просмотров: 28 Christopher Cox
Homeowner Affordability and Stability Plan
 
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http://www.cambridge-credit.org -- Transcription: Hello, and welcome to Your Money 2.0. I’m Christopher Viale, president and CEO of Cambridge Credit Counseling Corp. Recently, the Obama Administration introduced its Homeowner Affordability and Stability Plan. Details have been a bit scarce, but more information will be made available before implementation on March 4th. The Plan approaches the housing crisis on two fronts – refinancing, and the modification of loan terms. Both parts try to make circumstances more comfortable for consumers by reducing their monthly mortgage payments. Overall, the administration anticipates the plan will help close to 9 million Americans maintain homeownership. When it comes to refinancing, the Plan would allow a homeowner to secure a reduced interest rate by easing the lending criteria for loans owned or guaranteed through Government Sponsored Enterprises, or GSE’s, like Fannie Mae or Freddie Mac. This provision could help a portion of the 15 million American homeowners who owe much more on their loan than their house is currently worth. The revised guidelines would allow homeowners to refinance up to 105% of a home’s current value, even if there is little or no equity in the home. This could help 4 to 5 million homeowners roughly a third of those mentioned earlier, save about $200 a month. The modification aspect of the plan is designed to assist homeowners who are at risk of foreclosure. The definition of “at risk” has been expanded to include those who may not have yet missed a loan payment, but who have the potential to do so. Here, the Plan hinges on lender participation and the affordability of the monthly mortgage payment. First, the lender will need to work with the consumer to reduce the mortgage payment to no more than 38% of his or her gross income. From there, the government will match lender concessions dollar-for-dollar to further reduce the monthly payment to 31% of the consumer’s debt-to-income ratio.
Просмотров: 935 Cambridge Credit Counseling Corp.
Loan Modification Mediation Session: What You Need to Know Beforehand | Ark Law Group
 
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Going Into a Mediation Session With Your Lender Unprepared Could Be Harmful To Your Financial Situation. Find out if you qualify for mortgage relief: http://www.arklawgroup.com/mortgage-relief-program-eligibility For more info: http://www.arklawgroup.com/blog/6-things-you-need-to-know-before-you-apply-for-a-loan-modification Nadia and Lambros of ARK Law Group discuss what you should know before going into a mediation session. As you can’t always predict what’s going to happen, you should have a backup plan. In an ideal scenario, you would get your first option. But if that doesn’t work out, always ask what the other options are, and have plans laid out for those. If the lender isn’t willing to do any retention options with you (i.e. helping you keep your home), you want to know what your best liquidation option is. Have those backup options clearly in mind. Some of them are: - Short sales - Deed in lieu - Cash for keys Asking for more time and some relocation money may not be your first choice, but it can help make the best of a bad situation. The mediation statute is actually designed to help people get the best case scenario – so make good use of it. If you are in a mediation session and you find out that you were declined for a loan modification, always speak with your attorney before moving any further forward. Your attorney will be able to make sure the denial is valid, to find out can it be appealed, and to confirm that the lender had all the correct information. There is always a chance a rejection could turn into an approval with the right counsel on your side. One important thing to remember is that the decision maker is not usually there in the room with you, you will usually be meeting an attorney, and the lender representative will most often be on the phone. So know who you need to convince, and be sure to get an attorney that is there to represent you, not just to facilitate. ********************************* Subscribe to our YouTube channel: https://www.youtube.com/c/Arklawgroup Read some of our 550+ five star reviews here: http://www.arklawgroup.com/testimonials Related Videos: https://www.youtube.com/watch?v=xIuEOR4wdO0 https://www.youtube.com/watch?v=_Am-2ynL1l8 ********************************* Ark Law Group specializes in providing total financial relief to distressed homeowners and consumer borrowers. The attorneys at Ark Law Group are experts in foreclosure prevention, debt settlement, bankruptcy law, loan modifications, mediation services and short sales. The Ark Law Group "Every Last Penny" Guarantee: We won't stop working until every last penny of your debt is gone. That is our guarantee to you. Call us for a free consultation 1-888-373-9713.
Просмотров: 186 Ark Law Group - Washington
I Owe $12,000 To The IRS
 
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 50793 The Dave Ramsey Show
What is HARP Mortgage
 
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Harp Mortgage explained in full detail in this short video. If you do not want to short sell your home and want some relief, all you need to know regarding this new program, HARP Mortgage, is right here!!
Просмотров: 1529 sandiegoconnection
Buying a Home with Student Loan Debt- How FHA Loans Can Help!
 
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With so many of us going back to college, a lot of us have student loan debts as a result. Some people think they can't buy a home with student loan debts or are simply uncertain if they can qualify for a home loan. Here's the good news... You CAN buy a home with student loan debt! This video is about how FHA loans can help you get your new home. FInd out what FHA loan guidelines changed in 2017 for student loan debts. In this fun and quick video the Lender Guru, Josh Coomer, joins us educate us about the repayment options for student loan debt: Amortization Plan, Income Base Repayment Plan, and the Deferred Plan. FHA loan guidelines did get a bit of a makeover this year for student loan debts. If you or someone you know wants to know more about how to get a FHA loan with student loan debt, then this video is for you! Leave your comments below. Want to see something else? Tell us in the comments section below and we'll get to work making a new video for you! If you haven't done so already... Please subscribe and like this video. More helpful videos coming to soon! We release videos every week! =) Thank you for watching. Enjoy an amazing day! -Your Real Estate Geek, Andrew Finney P.S. I really hope this video helps you not make any of the very costly mistakes we discuss. Let me know what you think in the comments below. Thank you. Ready to get started? Contact us today! Here's how... Your Real Estate Geek: Andrew Finney USMC Combat Veteran/ Real Estate Consultant License #S.0173260 Call/ Text: 702-465-7774 Email: AndrewFinneyTeam@GMail.com http://www.andrewfinneyteam.com/Home BHHS, Nevada Properties 7475 W. Sahara Ave. Suite 100 Las Vegas, NV 89117 Lender Guru: Josh Coomer Senior Mortgage Banker NMLS# 176553 Mann Mortgage NMLS# 2550 Call/ Text: 702-491-2208 Email: Josh.Coomer@MannMortgage.com https://joshcoomer.mannmortgage.com/startapp Thank you for watching our video! Super Sounds Courtesy of: Song: Jim Yosef - Link [NCS Release] Music provided by NoCopyrightSounds. Watch: https://youtu.be/9iHM6X6uUH8 Download/Stream: http://ncs.io/LinkYO Song: Alex Skrindo & Stahl!- Moments [NCS Release] Music provided by NoCopyrightSounds. Watch: https://youtu.be/IHtL_BKO804 Download/ Stream: http://bit.ly/alex-skrindo-stahl-moments Song: Syn Cole- Feel Good [NCS Release] Music provided by NoCopyrightSounds. Watch: https://youtu.be/q1ULJ92aldE Download/ Stream: https://soundcloud.com/syncole
Просмотров: 1803 Andrew Finney Team
What not to ask your Mortgage Broker or Lender to get the best Mortgage loan for you.
 
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Utah mortgage questions to ask or not ask to make sure you get the very best Utah mortgage loan available. When you are looking for the best mortgage and not just in Utah, whether it is for buying a home or refinancing your home, you want to make sure that you are getting the best mortgage loan program available to you for your situation. Many times people ask “what is the lowest rate you can get me?” While that may seem like a very good question the fact is that interest rate is only a small factor to consider when getting a mortgage. You can get a very low interest rate on a mortgage but what if that rate comes at a significant cost, you could be getting charged “discount points”, “origination fees” or other various “buy-downs” to get that particular rate. The lowest rate may also come with a variable rate option, meaning that your rate can go up or down depending on mortgage indexes. We like to work one on one with our clients to show them the options that are the very best for their particular situation. We will show you what option has the lowest rate, lowest closing costs and other great features that don’t cost you an arm and leg. We offer mortgage loan programs to all of Utah and these options include: FHA, VA, USDA, Conventional, HELOC and HARP. If you are looking to refinance or buy a home, make sure you contact us to get the very best mortgage for your situation. Visit www.mymtgsolution.com or call 801-230-3107 to learn more. We offer mortgage loan programs to buy and refinance homes throughout the entire state of Utah. Keywords to help Utah Homeowners find the best Mortgage Options: mortgage calculator utah utah mortgage calculator reverse mortgage utah utah home mortgage Utah mortgages academy mortgage utah mortgage utah utah reverse mortgage bank of Utah mortgage Utah mortgage brokers mortgage brokers utah republic mortgage utah utah mortgage refinance mortgage refinance utah graystone mortgage utah mortgages utah mortgage broker utah peoples mortgage utah primary residential mortgage utah home mortgage utah citywide mortgage utah security national mortgage utah mortgage jobs utah mortgage types mortgage mortgage broker city mortgage mortgages 15 year mortgage mortgage salt lake city second mortgage mortgage calc mortgage brokers mortgage programs mortgage calculater regions mortgage freedom mortgage reverse mortgage mortgage amortization costco mortgage mortgage estimator mortgage assistance 2nd mortgage mortgage calulatortypes of mortgages subprime mortgage mortgage payment greentree mortgage cenlar mortgage standard mortgage pre qualify for mortgage first mortgage mortgage caculatoramerican mortgage mortgage prequalification us mortgage mortgage lending mortgage relief program arm mortgage mortgage options assumable mortgage residential mortgage first option mortgage mortgage qualification usa mortgage mortgage help mortgage modification mortgage services mortgage application capwest mortgage mortgage after bankruptcy mortgage assistance program house mortgage qualifying for a mortgage mortgage price mortgage costs 203k mortgage private mortgage mortgage comparison prequalify mortgage stated income mortgage mortgage consultant compare mortgages accurate mortgage mortgages for dummies streamline mortgage no doc mortgage prequalify for a mortgage 80/20 mortgage
President Obama on Working Through the Mortgage Crisis
 
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The President speaks after Housing Refinance Roundtable with real people who have benefited from renegotiating their mortgages and explains how millions of others can take advantage of his Making Home Affordable plan. (public domain)
Просмотров: 24688 The Obama White House
Pay Off Debt Using the Debt Snowball
 
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You CAN take control of your money! You just need the right plan. Financial Peace University is that plan! https://goo.gl/5QJnZr Want to take a deep dive into the debt snowball? Click here for a four-day email series and get your debt snowball rolling! https://goo.gl/jSVm8P
Просмотров: 351497 The Dave Ramsey Show
The Black Financial and Fraud Report: Agency Says No to Mortgage Relief
 
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The Director of the FHFA says no to Obama on proposal that Fanny and Freddie forgive portions of mortgage when house is "under water" Get more news at http://therealnews.com
Просмотров: 2631 The Real News Network
3 Reasons Why You Should Not Pay Your Debt
 
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Paying off an old collection or charge off will increase your credit score. This is a huge MYTH! Effects of Paying When you pay an older collection account or charge-off account, your credit score most likely will suffer. Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years. Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score. Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score. Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score. Is the Debt Still Valid? After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you. You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account. After 7 Years Collection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit. If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554 LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.
Просмотров: 414017 911creditpros
Lower Your Mortgage Payment with a Loan Modification
 
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If you’re struggling to make your mortgage payment, then you need to consider a loan modification. A loan modification involves your lender modifying your existing mortgage payment to make it more affordable. A loan modification to your principal balance can change the interest rate and term of the loan; delinquent fees can also be restructured. This is a way to avoid foreclosure and convert an adjustable rate mortgage into a fixed interest rate loan. The primary focus of a loan modification is reducing monthly payments to 31% or less of a person’s gross monthly income. For example, if your gross monthly income is $5,000 per month, then your mortgage payments should be $1,550 per month or less. If your mortgage consumes a higher percentage of your income, a loan modification would reduce your monthly mortgage payment. One of my greatest successes involved a client who had a mortgage payment of $2,695 per month. He was behind on his payments by $12,243. After a loan modification, his new payment dropped to $1,770 per month; saving him $925 month; the overdue penalties were also removed. Loan modification is not available to someone who just wants to lower his monthly mortgage payment. The homeowner must show proof of financial hardship that warrants a modification, such as a pending foreclosure, bankruptcy, etc. Once the application is received, the mortgage company will evaluate the homeowner’s income, debt, and hardship eligibility criteria. The best proof of hardship is missing mortgage payments as this demonstrates that the home may no longer be affordable. Such hardship can be caused by job loss, loan payment increase, a decrease in income, divorce, medical expenses, etc. Another benefit of a loan modification is the Principal Reduction Alternative (PRA). PRA gives loan servicers the flexibility to offer principal reduction relief to homeowners whose homes are worth significantly less than they still owe (loan-to-value of 115% or above; this means that if the amount owed on the home relative to the value of the home is greater than 115 %, the loan servicer must consider whether to reduce the principal). However, principal reduction is at the servicer’s discretion. A loan modification is designed to protect homeowners from unnecessary and costly foreclosure actions. If you are facing foreclosure, contact your mortgage company, continue to make payments, and call the HAMP Hotline at (888) 995-HOPE (4673). As with any debt solution, there are problems with loan modifications. Some homeowners receive a loan modification that they cannot afford and still end up losing the homes to foreclosure. Other modifications result in the homeowner making payments on an “underwater” asset that may take years to recover before there is equity in the home, which means that the homeowner is wasting a lot of money during that time. And loan modifications only help with mortgage payments. If you have other debts, a loan modification will not resolve them. It might provide some more income that you can pay towards other debts, but it does not immediately provide relief from other debts the way bankruptcy does. Regardless of these drawbacks, you’re no worse off if the loan modification gets denied, but they’ll certainly be better off if it gets approved. Basically, there’s nothing to lose by trying. Loan modifications are all the rage today. It will be interesting to see the life expectancy of loan modifications as a debt relief option. There are companies and attorneys that you can hire to help you get a loan modification. Keep in mind that you don’t need to pay anyone as the process can be handled by a layman rather than an attorney. There have been a lot of loan modification scams where the firm requires payment before the process begins, and then disappears. The State of California passed a law in October 2009 prohibiting real estate brokers and attorneys from accepting advanced fees for the purpose of a loan modification, however there are legitimate companies that can help. Instead of wasting your time collecting and submitting documents, sometimes it’s worth the expense of hiring a company that can do it more efficiently as the process can easily take 40-60 hours of your time. If you need help reducing your mortgage payments and need a loan modification, call Heupel Law at (303) 955-7570 and schedule a free consultation. Heupel Law is conveniently located at 2440 Stout Street, Denver, CO, 80205, and we have free parking. For more information, visit www.HeupelLaw.com and to watch this video again, click the following link: http://youtu.be/fS8NYWm87sk
Просмотров: 2646 Heupel Law, P.C.
Obama Offers Mortgage Relief on Western Trip
 
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President Barack Obama offered mortgage relief on Monday to hundreds of thousands of Americans, his latest attempt to ease the economic and political fallout of a housing crisis that has bedeviled him as he seeks a second term. (Oct. 24)
Просмотров: 3192 Associated Press
Mortgage Relief is Coming!
 
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HARP 2 Relief Mortgage Freddie Mac Fannie Mae Modifications January or February OAR Oakland Association of REALTORS KGO7 Michael Finney finally
Просмотров: 119 oarealtors
How to Stop Foreclosure Broward | 484-746-3245 | Stop Broward Foreclosure | Prevention | Fl |
 
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Visit us http://Visionhousebuyer.com TODAY for free offer. Foreclosure is a situation in which a homeowner is unable to make mortgage payments as required, which allows the lender to seize the property, evict the homeowner and sell the home, as stipulated in the mortgage contract. The Obama Administration has implemented a number of programs to assist homeowners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. The majority of these programs are administered through the U.S. Treasury Department and HUD.If you want to keep your home, a Chapter 13 bankruptcy may help you accomplish this goal. However, if you’re simply trying to buy some time by stalling the foreclosure, a Chapter 7 bankruptcy may be right for you. You can sell your home right up until the point that the home is sold at auction. Learn how to stop Broward Foreclosure fast 484-746-3245 Benefits of a Chapter 13 bankruptcy. A Chapter 13 bankruptcy can help you keep your home by restructuring your debts. You will repay debts (some in part and some in full) over a period of three to five years as part of a repayment plan. You may be able to avoid foreclosure and remain in your home with this type of bankruptcy since you can repay any delinquent mortgage payments through the plan. Stop Foreclosure in Broward 484-746-3245 Also, you will likely pay a fraction (or sometimes, none) of your unsecured debts during the plan period and possibly eliminate certain other debts (such as underwater second and third mortgages since they are considered unsecured loans) entirely when you complete your plan, freeing up money for your first mortgage. Even if you can’t complete the plan, filing for Chapter 13 bankruptcy will give you at least several months before a foreclosure can be completed. Learn how to stop broward foreclosure today. Call 484-746-3245. If your lender is using a nonjudicial process to foreclose (where the foreclosure is completed outside of the court system), then you may be able to delay or stop the foreclosure by filing a lawsuit against the lender to challenge the foreclosure. (This won’t work if the foreclosure is judicial since by the time of a foreclosure sale, you’ve already had your opportunity to be heard in court.) For borrowers who first sought mortgage relief under HAMP when the program was launched in 2009, the redefault rate is nearly 53 percent. Overall, more than a third of people who have participated in the program over its lifetime have redefaulted. The national aggregate drop in foreclosures masks troubling trends in many of the communities where property values have continued to drop, pushing more families deeper underwater, according to John Powell, director of the Haas Institute at the University of California at Berkeley. He said in many American cities, especially in minority neighborhoods, the number of foreclosures and abandoned homes have severely depressed real estate values since the 2008 collapse. "When the government was saying the crisis was over," said Powell, "we had thousands of neighborhoods in places like Ferguson, Missouri, where a disproportionate number of homes were underwater ." AKRON, Ohio — Hundreds of broken-down houses still dot the streets of this onetime tire capital of the world, a scar from the financial crisis and housing bust. Dozens of these houses were scooped up after the financial crisis by investors, who then make deals with low-income home buyers unable to get traditional mortgages. The arrangement is something like buying a home on an installment plan, with a high-interest, long-term loan called a contract for deed, or land contract. But for buyers lured by the dream of homeownership, these seller-financed transactions can become a money trap that ends with a quick eviction by the seller, who can flip the home again. Before the housing crisis, low-income buyers got too much of a house that they couldn’t afford. Now, they are getting too little of a house that they can’t afford to repair. Several programs have been established to help homeowners refinance their mortgage and take advantage of today's historically low rates. Prior to this year homeowners with negative equity, bad credit or income issues may not have qualified. Now several programs exist in helping homeowners lower their payment and rate. Stop Foreclosure Broward. Contact: 484-746-3245 Homeowners behind on their mortgage or experiencing a financial hardship may not qualify for a refinance. A Loan Modification is described as a modification to an existing loan made by a lender in response to a borrower's long-term inability to repay the loan. Loan modifications typically involve a reduction in the interest rate on the loan, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default. https://youtu.be/Qg0Vk_0HCIw
Просмотров: 131 Eli Jean
Would Obama's Refinancing Plan Boost Ailing Housing Market?
 
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With millions of Americans "underwater" on their mortgages and millions of homes facing foreclosure, President Obama unveiled a revamped home-loan refinancing program Monday during a stop in Nevada, which has the country's highest foreclosure rate. Judy Woodruff and guests examine the politics and substance of the plan.
Просмотров: 1979 PBS NewsHour
Martin Lewis on Debt Problems: Where to start and what to do
 
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Martin Lewis talks about debt problems and gives solutions. Martin gives his definition of "Debt Crisis" and "Problem Debts" outlining solutions for both and where to get help. you also get a checklist for cutting the cost of repaying debt. http://www.moneysavingexpert.com/loans/debt-solutions Problem Debts Checklist: 1. Shift debts to cheaper rates with a credit card balance transfer. 2. Check out a personal loan to get a lower rate vs. existing credit cards. This can also help with the structure of repayments (Good if you have poor discipline in sticking to credit card minimum repayments). 3. Check your credit rating. Try to improve your credit rating. 4. Do the credit card shuffle. 5. Use your savings to pay off your debts after you have moved debts to lower rates. If you have any savings, use them. 6. Remortgaging. (not a massive fan of this one as it extends the length of the loan which may cost more). 7. Secured loan. (Make sure this is suitable for you! It may cost you more if it's not suitable!!) Budget, Budget, Budget, Budget! Budgeting is crucial for climbing your way out of debt! List your income against your expenditures to see if you are living beyond your means. Getting out of debt is difficult and will take a lot of work but its worth it at the end of the day and we can help. There are ways to save on everything! MSE Forum Debt-Free Wannabe: http://forums.moneysavingexpert.com/forumdisplay.php?f=76 Read the Debt Solutions guide for help: http://www.moneysavingexpert.com/loans/debt-solutions Budget planner tool: http://www.moneysavingexpert.com/banking/Budget-planning Improve your credit score: http://www.moneysavingexpert.com/loans/credit-rating-credit-score Save money on everything: http://www.moneysavingexpert.com/ Non-profit debt agencies: http://www.stepchange.org/ https://www.nationaldebtline.org/ https://www.citizensadvice.org.uk/
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Struggling to stay in your home?  Must Have Mortgage Relief
 
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http://www.wmiloanmod.com/jgilbert Struggling to stay in your home? Finally heres your MUST HAVE mortgage relief plan thats available not only in Philadelphia, but now across the US. Dont Delay!
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