Foreclosure Strategy Unleashed

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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The housing crisis isn’t over yet folks. Mike Kelly of Keller Williams Real Estate in Sonoma County talks about the coming wave of foreclosures, what is causing it, and what we can expect from it.

Duration : 0:5:49

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http://www.HowToStopAHomeForeclosure.com
Stop the bank from taking your home! ..or at least delay the foreclosure process. Stopping a home foreclosure is possible. Don’t delay or hesitate! Foreclusres on on the rise! Know your foreclosure rights!

Duration : 0:4:55

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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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http://www.BitchSlapTheBank.com Learn the proven strategy that can help you delay, stop or avoid a foreclosure altogether! How to stop your home from going into foreclosure.Understand foreclosure laws…you do have right when it comes to home foreclosure

Duration : 0:5:4

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Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification & Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy & Insolvency. Go To http://RealEstateMarketingThisWeek.com

Part 8 (Excerpt)

If facing financial issues make sure you hire qualified help, mortgage broker, financial planner, CPA and attorney

So with the real estate market, we know here in Arizona, there are literally hundreds of thousands, maybe millions of people that are confronted with a very difficult decision, declining home values, upside down in the home, the home value is worth much less than they actually owe, we need to give them options. If the option is foreclosure, short sale or loan modification, I would take the modification approach, most likely we would have to look at a person’s situation a little bit closely, but as I am going down some of the things that we have prepared for the show today, it looks like there are four main issues that people should know they need to consider, the cancellation of debt income, capital gains tax issue, the deficiency judgments side, and the credit report side and Mike, I know you can talk to some of these things.

But we brought up in the first segment what I think this might represent and then I think we started to talk about how Mike can help people minimize the impact of what that would look like on the tax return or eliminate based on the situation, so let’s make sure that the people know these four concerns are something they should consider as they seek advice.

Absolutely, and it’s really important that you talk to each arm of the team. You’re not going to be able to make all of these decisions just by talking to your tax guy, or your mortgage guy. They all need to be on the same page, because one of the decisions by one of the three is going to impact the other two aspects of the situation.

Mike, that’s a really good point. And thats one of the reasons why we work together, Brett and I are working together and you and Brett have been working together for years and the three of us have like ideals and also know for the most part what the ramifications are from any one of our decisions. And we make sure were able to do the very best for the homeowner every single time, whether it be tax, financial advice, or loan modification, or even refinance.

People forget that we talk so much about loan modifications. It’s kind of nice because youre listening to all these lying ads about refinancing and other crap that’s gone on out there But the reality of it is there is still money out there to lent. Were still helping people out with refinancing and refinance is the first thing people should try to do with a bank thats licensed by the federal government to do these types of high loan to value FHA type loans.

You cant muddle through the tax issues without Mike Patenella working with you, and you sure should not be making huge financial decisions without Brett Fallon and his team. So we all work hard to make sure that your ultimate goal is in your best interest.

I know were getting up to the end of the hour the show is about to draw to a close, but to just give people a sense that what were talking about today is the ability to have your personal financial situation accessed. Were going to take a look at modification options or refinance options. If your mortgage is distressed were no longer suits your needs. You’re looking to move whatever it is. We will look at your tax ramifications and Mike Patenella will be happy to go through those issues with you step by step basis. And I would be happy to take a look at your overall financial picture and give you some guidance or suggestions on things that will improve the financial situations.

Duration : 0:6:50

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Attention home foreclosure buyers - check out the seven most common mistakes buyers make when buying foreclosure homes. Knowledge of these seven mistakes and the strategies to overcome them will help you make informed choices when you buy forclosures

Duration : 0:4:43

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http://www.SaveMeFromForeclosure.com is the nations leading foreclosure prevention expert. If you are a homeowner in default we can help you stop foreclosure and avoid foreclosure on your mortgage and your home and house. You Have Options & We Can Help is our slogan, and you can get free foreclosure help. We can help you stop foreclosure and save or keep your home, or we can help you avoid foreclosure and sell your home fast.

If you are behind on your mortgage payment & want to save your home from foreclosure & keep it to avoid foreclosure, http://www.SaveMeFromForeclosure.com will suggest an attorney backed loan modification. A loan modification is a great way to stop foreclosure. It can help you reduce your interest rate, the principal balance on your loan, or sometimes even both.

To see if you qualify for a loan modification and to get a free, no-risk, no-obligation analysis of your mortgage situation, visit http://www.savemefromforeclosure.com/questionnaire.php or call us toll free at 1-888-472-8380 so we can help you stop foreclosure fast and you can avoid home mortgage foreclosure.

If you are behind on your mortgage payment & you want to sell your home fast, even if you have no equity, or you owe more than your home is worth and need help with a short sale, http://www.SaveMeFromForeclosure.com can you help you. We can help find a buyer for your home, or negotiate a short sale with your lender so you can sell your home fast without having to bring any cash to closing.

To get started with a free, no-risk, no-obligation analysis of your mortgage situation if you need to sell your home fast, visit http://www.savemefromforeclosure.com/questionnaire.php or call us toll free at 1-888-472-8380. We can help you avoid bankruptcy & we can help you stop foreclosure fast so you can avoid home mortgage foreclosure.

Duration : 0:1:19

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Mark - Chapter 6 - I
1 Leaving that district, he went to his home town, and his disciples accompanied him.
2 With the coming of the Sabbath he began teaching in the synagogue, and most of them were astonished when they heard him. They said, ‘Where did the man get all this? What is this wisdom that has been granted him, and these miracles that are worked through
3 This is the carpenter, surely, the son of Mary, the brother of James and Joset and Jude and Simon? His sisters, too, are they not here with us?’ And they would not accept him.
4 And Jesus said to them, ‘A prophet is despised only in his own country, among his own relations and in his own house’;
5 and he could work no miracle there, except that he cured a few sick people by laying his hands on them.
6 He was amazed at their lack of faith. He made a tour round the villages, teaching.
7 Then he summoned the Twelve and began to send them out in pairs, giving them authority over unclean spirits.
8 And he instructed them to take nothing for the journey except a staff — no bread, no haversack, no coppers for their purses.
9 They were to wear sandals but, he added, ‘Don’t take a spare tunic.’
10 And he said to them, ‘If you enter a house anywhere, stay there until you leave the district.
11 And if any place does not welcome you and people refuse to listen to you, as you walk away shake off the dust under your feet as evidence to them.’
12 So they set off to proclaim repentance;
13 and they cast out many devils, and anointed many sick people with oil and cured them.
14 King Herod had heard about him, since by now his name was well known. Some were saying, ‘John the Baptist has risen from the dead, and that is why miraculous powers are at work in him.’
15 Others said, ‘He is Elijah,’ others again, ‘He is a prophet, like the prophets we used to have.’
16 But when Herod heard this he said, ‘It is John whose head I cut off; he has risen from the dead.’
17 Now it was this same Herod who had sent to have John arrested, and had had him chained up in prison because of Herodias, his brother Philip’s wife whom he had married.
18 For John had told Herod, ‘It is against the law for you to have your brother’s wife.’
19 As for Herodias, she was furious with him and wanted to kill him, but she was not able to do so,
20 because Herod was in awe of John, knowing him to be a good and upright man, and gave him his protection. When he had heard him speak he was greatly perplexed, and yet he liked to listen to him.
21 An opportunity came on Herod’s birthday when he gave a banquet for the nobles of his court, for his army officers and for the leading figures in Galilee.
22 When the daughter of this same Herodias came in and danced, she delighted Herod and his guests; so the king said to the girl, ‘Ask me anything you like and I will give it you.’
23 And he swore her an oath, ‘I will give you anything you ask, even half my kingdom.’
24 She went out and said to her mother, ‘What shall I ask for?’ She replied, ‘The head of John the Baptist.’
25 The girl at once rushed back to the king and made her request, ‘I want you to give me John the Baptist’s head, immediately, on a dish.’
26 The king was deeply distressed but, thinking of the oaths he had sworn and of his guests, he was reluctant to break his word to her.
27 At once the king sent one of the bodyguard with orders to bring John’s head.
28 The man went off and beheaded him in the prison; then he brought the head on a dish and gave it to the girl, and the girl gave it to her mother.
29 When John’s disciples heard about this, they came and took his body and laid it in a tomb.
30 The apostles rejoined Jesus and told him all they had done and taught.
31 And he said to them, ‘Come away to some lonely place all by yourselves and rest for a while’; for there were so many coming and going that there was no time for them even to eat.

Duration : 0:6:43

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http://www.emodsnow.com will help you with your mortgage and save your home by avoiding foreclosure. We are the industry leading attorney loan modification and will help you negotiate to save your home

Duration : 0:2:41

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