real
Loan Modification and Foreclosure – Taxes on Cancellation of Debt – RealEstateMarketingThisweek.com
http://realestatemarketingthisweek.com/loan-modification/beware-of-grandiose-claims-when-dealing-with-a-loan-modification-firm/ – Beware of grandiose claims when dealing with a loan modification firm –
Part 7 – You know I am glad that were back, when we went to the break we were talking amongst ourselves about some of these concepts, I really want to bring this back down to the listeners. So they really understand what this means to them. You have three strategic partners, each of them experts in their field, sitting around these microphones in the studio talking about how these factors have an impact on the listening public, the people listening to this station right now.
Velocity Financial is an expert in all things mortgage related. It represents the largest asset many people have in terms of their home. What were talking about is, we know the economic pain that exists, you probably read that Arizona has the dubious distinction according to the Case-Schiller index of having the highest property value declines in the country. People are feeling some pressure here and for those people who want to consider what a loan modification might do for them, should call you and talk about what that represents.
Then from there, you can refer them to people like Mike Patenella to talk about the tax ramifications, Mike can speak to some of those items and I can talk about their overall financial planning. But to start with let’s talk about what the loan modification process really represents and who can benefit from.
We have talked about all the different things you can do with your home as a home owner, there is the loan modification and there’s several different types of loan modifications, there is the option of a short sale, which can have huge tax implications that people may not be aware of. There is the option of foreclosure, which is almost the last thing you want to do and there is also bankruptcy.
Loan modification is essentially for the person who is unable to make your payment, because there was a material change, and the change that I am talking about is your not making as much money. You may have lost your job. You have one of these mortgages that are toxic, where the interest rate has gone up significantly.
I would not buy the story from some guy with an ugly little yellow sign on the side of the road that says, hey I can help you and I have a 99% success rate with my loan modifications. That is essentially a guarantee and there is nobody in their right mind that would buy the guarantee. There are so many different types of mortgage servicers out there, literally thousands of mortgage companies out there and you cannot predict what any one of these mortgage companies is going to do.
Certainly not guarantee anyone any result. Were definitely going to try our best, thats why we use a national network of attorneys, 45 out of the 50 states have some kind of recourse involved with short sales and foreclosures, loan modifications. This is not something you can just figure out on your own and certainly dont buy into some story that there is somebody who can reduce your mortgage by 50%. Thats not going to happen, or that they have a 99% success rate, things are just not realistic.
You should know better and I know I am putting it bluntly, lets be honest. You should know better. It sounds too good to be true folks, it is. These no cost loans, these goofballs are selling on the radio, saying they don’t cost anything, let me say this, someones got to pay for it. Try walking to one of these big banks right now thats trying so hard right now to make up for some of their losses, so if anyone is offering you something that sounds too good to be true. It probably is, call an expert, call someone who knows what they’re doing, and our team has 16 years of loan modification experience. Our national network of attorneys are dedicated to getting loan modifications and work with almost every major lender, use a pro.
Now Mike, I wanted to throw it over to you to reiterate a few of these things to talk about the different options that people are looking at. The reality of it is that a loan modification, if it works is the absolute best.
That would appear to be the case. You dont want to file bankruptcy, which would be your last choice. Trying to say youre insolvent might be difficult when you factor in all of your assets, so the foreclosures and the short sales, I think those just destroy your credit. Am I right on that?… http://realestatemarketingthisweek.com
Duration : 0:6:21
Home Loan Modification – Avoid Deceptive Mortgage Practices – RealEstateMarketingThisWeek.com
http://realestatemarketingthisweek.com/real-estate/b-of-a-and-countrywide-pay-150m-fine-for-deceptive-mortgage-practices/ – Attorney Negotiated Home Loan Modification for Home Owners. Expert Advice on Real Estate and Mortgage. Avoid Foreclosure Scams and Fraud. Prevent Bankruptcy.
Part 8
B of A and Countrywide pay $150M fine for deceptive mortgage practices
I have here in my hand something from the office of the attorney general Terry Goddard, this is in regard to B of A and Countrywide. The state has alleged that prior to 2008 that Countrywide used unfair and deceptive tactics in its loan originating and servicing activity and placed borrowers in structurally unfair and unaffordable loans. These are not my words folks this is from the office of Terry Goddard the Attorney General of Arizona
They are talking about lowering peoples rates for the first year only. Look a good loan modification, you dont need a 12 month reprieve if you are 2, 3, or 4 months behind on your mortgage, it is going to take a little bit more than 12 months to get back on your feet.
I was going to say what an important point that you are making is because the announcement today by Paulson regarding the money not being used to buy these bad mortgages any longer, because of Barney Franks comments about how banks need to do more to help avoid foreclosures for mortgagees, what that really is amounting to for me as someone who studies the financial marketplace every single day as part of my profession, what that really amounts to is banks being able to set terms, and the short term reprieves, and the importance of what you are doing right now is critical for people to understand.
You are ahead of the curve, you go to the bank for these modification purposes, you take the proactive steps to make the terms suitable for you, my point is if the bank, by Terry Goddards letter, already has asserted that they have made some type of poor judgment in the way that they treated their mortgagees or the people that they gave loans to, why would you then go back to that bank as the owner of that mortgage and try to negotiate with them on your own? Why then would you have the trust in them that it was going to work to your best possible out come? I find that to be absurd.
You are absolutely right; they have essentially admitted to it, they have a $150,000,000 settlement. I just want to throw one more thing out there, they have a $150,000,000 bill that they have to pay because, according to the Attorney General, deceptive business practices, a hundred and fifty million dollar check that they have to write, somebody is going to have to make that up.
And that is a good point, the point of this would be to take this action yourself prior to these banking institutions making the decisions on your behalf, theyve already done this, they have already made those decisions on your behalf, whether or not you knew exactly what type of loan program you were getting involved with when you took out the loan and all of that.
If you find yourself in a position of not being able to maintain your existing mortgage payment under the terms that you have been issued by the bank, modification is something you should consider, you make the terms going forward, you should use the professional expertise and the negotiating abilities of these attorneys that specialize in this area and make this work for you before the rules are placed at your feet yet again.
We talk about people doing this on there own, what I see being the problem is they are going to send you out a packet of paperwork, maybe email it to you or fax it. I have seen the paperwork that they send out, it is more than 36 pages of legalese, once it goes back it is going to sit in front of the loss mitigation department in a stack, Ive seen the stacks, literally thousands of cases sitting there waiting to be reviewed by someone who may very well not be qualified to make a real decision, in my opinion using the loss mitigation department at the bank you may be dealing with a clerk that was answering sales calls for someone else two months ago.
Versus going to the legal department and dealing with those individuals directly. There is no doubt you absolutely have to use professionals, you need to put your head on the pillow and turn this over to somebody who knows what they are doing, an expert negotiator, a paid attorney that does this for a living, put your head on your pillow and keep your family safe in your home… http://RealEstateMarketingThisWeek.com
Duration : 0:6:10
Citi’s Das Urges Changes to Loan Modification Programs: Video
June 24 (Bloomberg) — Sanjiv Das, chief executive officer of Citigroup Inc.’s CitiMortgage unit, talks with Bloomberg’s Julie Hyman about U.S. efforts to modify home loans in order to prevent foreclosures. (Source: Bloomberg)
Duration : 0:2:57
Big Bang: The Real Concert 4/14 (S.O.S Performance)
Order They Performed:
1)Tell Me Feat JinuSean
2)She Can’t Get Enough
3)Dirty Cash
4)SOS Perf. (Taeyang, GD and TOP)
5)We Belong Together Feat Park Bom
6)Forever With You Feat Park Bom
7)LaLaLa Remix
8)Goodbye Baby
9)Fools Only Tears
10)Ma Gurl (Taeyang Solo)
11)Next Day (Seungri Solo)
12)Trying To Smile (Daesung Solo)
13)Big Boy (TOP Feat Eun Joo *MooGaDang & SWI.T*)
14.This Love (GD Solo)
Concert Order:
1.Bigbang
2.V.I.P
3.Ma Girl
4.눈물뿐인 (Fools Only Tears)
5.We Belong Together
6.Forever With You
7.웃어본다 (Trying To Smile)
8.Big Boy
9.다음날 (Next Day)
10.She Can’T Get Enough
11.Dirty Cash
12.This Love
13.La-La-La
14.Good Bye Baby
15.흔들어 Dirty Cash (For Fan – Original Track)
Credits: musicstar88
Duration : 0:3:59
Hitler can’t get a mortgage loan
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Equity Line of Credit
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Duration : 0:4:4
Loan Modification Through the Courts: Judges, attorneys, housing counserlors, lenders and borrowers
Philadelphia Judge Annette Rizzo helps homeowners avoid foreclosure by working out lond modifications with lenders. Housing counseling agencies also get involved in the process by helping borrowers qualify for the Making Home Affordable Loan Modification program
More information at:
sccrealestateuncensored.com
Mas informacion:
MiCasaMiDinero.com
Duration : 0:6:9
Bailed Out Banksters Screwing Hookers, Using Company Credit Cards! 2/9/2009
Do you care about your rights & civil liberties? Feel free to drop by & join us at: http://www.youtube.com/group/theglobalresistance
This is the woman who revealed last week that the executives of Wall Street firms receiving taxpayer bailout funds have been charging $2000 an hour call girls on their company credit cards, which means it is hidden as a business expense, and ultimately comes off their taxes!
That must feel pretty good; screwing a pretty woman AND the taxpayers all at the same time!
http://abcnews.go.com/Video/playerIndex?id=6825504
Duration : 0:7:35
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Income, Credit & Home Loans: Buying a House : Private Mortgage House Insurance (PMI) Tips
Private mortgage insurance (PMI) tips & how it can determine how much house you can afford. Find out how in this video on buying a home.
Expert: Brett Staggs
Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks.
Filmmaker: Dana Glover
Duration : 0:1:36
Income, Credit & Home Loans: Buying a House : Down Payment Assistance For Buying a House
Down payment assistance can help determine how much house you can afford. Find out how in this video on buying a home.
Expert: Brett Staggs
Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks.
Filmmaker: Dana Glover
Duration : 0:1:57
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