Foreclosure Strategy Unleashed

http://www.miamiattorneygroup.com or call
(888) 445-2851.

Are you in foreclosure or facing a possible foreclosure proceeding against your home? If so, are you looking for ways to stop foreclosure? If this is you, then you may want to keep reading this article.

We fight foreclosure cases. As attorneys concentrating on this area, we know how to defend foreclosure. Some delay and stop foreclosure, and we will help you to win and free the property of the mortgage by using foreclosure defenses, The Saenz Law Firm defends Florida homeowners rights to stay in their houses when facing foreclosure by banks and mortgage companies. We serve clients throughout the state.
We defend home foreclosures with the aim of winning and keeping you in your home.

News
Why Lenders Cannot Find Mortgage Notes

It seems like the mortgage note would be a basic piece of paperwork a mortgage lender would have readily available. However, with the way mortgages (primarily subprime mortgages) have been sold, re-sold, and re-sold again over the past 5 years the paperwork hasn’t always kept up with the sales transactions. If this is the case with your mortgage company and you ask them to produce your original mortgage note and they cannot, then they may not legally be able to proceed in a foreclosure against you until they can locate the note. If this is the case you may have some time to work something out to keep your home.

Visit http://www.miamiattorneygroup.com or call
(888) 445-2851.

Duration : 0:3:31

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Kenny Hayslett with the Hayslett Team of Re/Max discusses foreclosure prevention via a short sale. 727-443-6700. www.HayslettTeam.com

Duration : 0:0:43

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Marissa Livengood from LIFT 4 U LLC talks to home owners about the 8 Ways to Avoid Foreclosure. LIFT 4 U LLC is a Full Service Real Estate Solution, helping homeowners since 2007 avoid foreclosure and in some cases get out from under the mountain of bills ociated with owning a home.

In today’s economic state, everyone needs a little help. It is nothing to be ashamed of. LIFT 4 U LLC was founded on the belief that while foreclosures are on the rise, and people lose their homes on a daily basis, we can help in some small way.

Please also visit LIFT’s video about Home Buyers & Investors. You can view the video here on YouTube or visit http://www.livengood-investments.com and view it there.

Visit our websites:

Owners / Sellers: http://www.lift4ullc.com
Buyers / Investors: http://www.livengood-investments.com

Duration : 0:5:14

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http://www.CENTEXFORECLOSURES.COM
Janet Rand Presents Foreclosure Prevention Tips With
Today’s Topic Preventing Foreclosure. See CENTEXFORECLOSURES.COM To Find Out More Infromation On Topic’s Like These Right Now!

Duration : 0:3:27

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Amidst the Real Estate & Mortgage Meltdown; Foreclosure Fraud & Scams; Real Estates Future is Great. First Time Home Buyers, FHA Loans & Seller Paid Closing Costs. Go To http://RealEstateMarketingThisWeek.com

Part 6 (Excerpt)

World wide recession caused by the mortgage melt-down. Is inflation far behind?

What their ratings were based on was simply that nobody thought real estate would go down again. They were just going to keep going up forever, doesn’t really matter if you call it AAA or BBB. Isnt going to matter if the note never gets called.

We certainly saw that for years in the mortgage industry. We would refinances somebody and a couple of years later they would call us up again and say hey my house went up $100,000 in value and I bought a car and a boat and my kids need to go to school and give me another hundred grand out of my property, and it just kept going up forever and ever and ever and as long as that was happening everything was just fine. But then as we know everything just stopped.

There’s only so much leverage that could exist out there and that is why the stop started if you will. Because as that leverage continued to balloon; how much more leverage can a Wall Street firm or a bank take on to buy up more mortgage backed securities? Oh I know well carve out these tranches and well sell them off overseas. So that is where it ballooned, how wide reaching and impactful has it been?

Well we see it now it’s a global recession. It’s not a US recession for that reason. And that is starting to clean itself up, not only by the Fed aggressively here at home, by working with other developed nations around the world with their equivalents of the Fed in those countries they are doing the same thing. They are acting aggressively and that’s great for the short-term but that is like putting a band-aid on a carotid artery that has been severed, it doesn’t work. That is okay for today and tomorrow, long term there are bigger issues, bigger issues translate into inflation. Where I am going with this is the fact that right now with money being cheaper than it has been at any other time in the history of the United States.

That’s your motivation, if you’re looking for a loan, if you are looking to refinance a loan, if youre looking for a loan modification, whatever your circumstances are, this is your opportunity. I am of the opinion that five years from now we’ll look back on this time period and say, my gosh look at all the mistakes the Fed made.

One of the things I want to go back to is something you said earlier about how all these mortgage derivatives were broken up and put back together. And most of them certainly many of them got bought by hedge funds. A lot of them got bought up by foreign governments and whatever around the world. One of the things about where that’s coming in is it’s causing a massive structural problem, especially in the mortgage industry when it comes to the servicing aspect and a loan modification aspect.

These hedge funds are now coming along, and they are suing the servicers because the servicers are doing what they had a right to do under the contract that they signed with the hedge fund in the first place which was to modify these loans. While the hedge funds are saying if you’re going to modify the loan we want all the money and the servicers or the bank or whatever is saying, no were not going to so now they are getting into a big fight and I have a feeling were going to see a lot of lawsuits, which is only going to hurt the American homeowner, because unfortunately it’s only going to delay a loan modification process.

But it’s also one more reason why you want to have an attorney on your side negotiating with the servicers, negotiating with the bank, maybe even negotiating with the hedge fund for all we know. But negotiating with somebody on your behalf, somebody with the legal power, negotiating for you so if they need to go after the bank for lack of standing, because maybe that’s what it takes to get their attention, go after them and prove they have a lack of standing and say, oh great now that I have your attention let’s do something to help the home owner.

Duration : 0:6:17

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http://www.HowToStopAHomeForeclosure.com
Confused? Don’t know what to do about the bank foreclosing on your home? Home foreclosures are at an all time high! Protect yourself from home foreclosure and save your home! Faceing Foreclosure? Act now!

Duration : 0:4:52

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Facing Foreclosure on Your Real Estate Mortgage, Short Sale & Loan Modification are Alternatives. Hire an Expert Short Sale Negotiator, Experienced Real Estate Agent. Go To http://RealEstateMarketingThisWeek.com

Part 2 (Excerpt)

Short Sale and Loan Modification; Make sure your Work with and Expert

Were just going to go ahead if we could and just jump right into the short sale information. Jeri, again thank you so much for taking the time to be with us. What is the name of your firm?

Our group is Dream Vesting Group and our brokerage is Keller Williams Arizona Realty.

So that is great, licensed agents with Keller Williams and I know the two of you and I know of your history and we will talk a little bit more about that, but you have been working together for awhile. You and I had a chance to speak about the short sales and your success rate, very, very impressive proven results always helps. So the natural first question for those that are listening today. What is a short sale exactly?

A short sale is a property sale where the bank or lender agrees to accept less than what is owed to them. So the bank is agreeing to take a loss on the sale of your property, and I like what you said earlier about not trusting a loan modification or a short sale to just anybody, you definitely dont want to be the guinea pig and you dont want to approach the bank yourself and ask them to please take a loss because you need to sell your home.

And that is one of the things that is funny nowadays. I know people have seen them pop up all over the town, the ugly yellow bill boards all over the place. Advertising on the radio about loan modifications and they have 100% success rate, all kinds of these different things. The same thing with short sales, you actually have a process and you have a lot of experience doing it, you know the ins and the outs and this isnt a part time job this is a fulltime job.

Absolutely is a fulltime more than fulltime job, the last three Sundays I have been on the phones with lenders when they are open, one of them has a call center in India. I have been on the phone from 10 oclock at night until Midnight and again at 6am with the same lender trying to stop foreclosure.

Well that is good that you have the time, Take the time to do that. I am sorry that you have to work that many hours but you know Kalyn, is it not true that the sooner we get through all of these short sales and loan modifications the better off were all going to be anyway right?

Absolutely, a lot of people ask, what does it take? Who should be considering a short sale? If youre late on your mortgage currently, if your mortgage has adjusted, if you can no longer afford your monthly payment, if you foresee yourself not being able to afford your monthly payments, any of these instances plus several more, you should definitely be sitting down with someone and talking about your options which would be most likely a short sale or loan modification.

Yes the last thing anyone wants, and I mean anyone, is a foreclosure, that is the last resort. Nobody wants a foreclosure; you dont want it on your record, you dont want to have to deal with that. Its a very public event, a foreclosure is, the banks dont want you to foreclose and that is probably why they are so willing to work with you would you say? Absolutely the banks dont want the home back no matter what they tell you.

Exactly and on the loan modification side people try on their own to do this and its true that people can actually do a loan modification on their own but there are so many pitfalls and its just not something you want to try on your own. Surely you dont want to try a short sale on your own. So Jeri let me ask you this, what are some of the main objections?

The main objection that we hear from most of our clients is the cost to them, they already cant afford the payment on their mortgage or they wouldnt be in that particular situation 9 times out of 10 and so they are concerned about cost. Most people have already resigned themselves to the fact that they are losing their home and they dont want to spend any more money on it.

The good news is in a short sale you dont have to spend anymore money, all of the costs are absorbed by the bank. They agree to lose more money basically, so there is no realtor fees and the majority of the time we can negotiate an as is contract so if there are repairs that need to be made they dont come to you and ask you to do it, its just factored into the cost. So its very effective for homeowners.

And again it keeps them from going into foreclosure. They get to stay in the house and they get to save whatever is left of their dignity, some people take it very pride fully as well. So Kalyn, the second most common objection is?

Duration : 0:6:34

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Home owners: Don’t let a scam foreclosure rescue company turn your mortgage distress into disaster. Learn the signs of a foreclosure rescue scam and where to get FREE help.

Duration : 0:3:31

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This is what you must do if you want to stop your home foreclosure in Utah. To stop foreclosure act now. You do have options to stop your foreclosure and you can get istance with your foreclosure if you act now.

Duration : 0:4:28

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This is filmed outside of one of the homes that I helped stop foreclosure in the Salt Lake City, Utah area. I can help you stop foreclosure too. You must act now to stop your home foreclosure

Duration : 0:2:28

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