100% Home Loan Financing – Bend your muscles

Listen with the current "mortgage meltdown" we are so much about that day, your average consumer thinks that the days of the 100% financing have gone by the wayside. It's true, you are hard pressed these days to a bank or lender who want to carry a second mortgage will find that adding combined with a first mortgage, financed at 100%. This is because if there is a standard, sit in second lien position is particularly risky. Too much risk is involved. [more...]

Date: 2009-09-19 11:52:46

Blog posts (387) | Videos (328)
 

The Pros and Cons of Loan Modifications

As announced by this new press release , my law firm has begun offering loan modification services in addition to tax debt resolution. As the country’s economy continues to lag, and more and more jobs are being cut, thousands of families are turning to loan modifications to stay in their homes. Unfortunately, there is a lot of confusion in the industry, so to help my blog readers who might be considering a loan modification I have put together the following list of pros and cons. [more...]

Date: 2009-09-02 00:14:00

The Truth about Debt Management Plans

by Jon Ochs In my years of experience in the industry, I have found that most people are looking for a debt relief option that does not exist ... Consolidation: Debt consolidation is, in nearly all cases, a home equity loan or second mortgage ... . Because these programs rarely ever do what they claim, and many credit card companies no longer endorse [more...]

Date: 2008-09-21 12:49:13

Bretton Woods 2, R.I.P.

A wide range of commentators, including your humble blogger, have worried about the clearly untenable system known as global imbalances, ... central bank is not lending to credit card issuers and banks that provide home equity loans. China buys ... eliminate the need to buy Treasuries to keep the currency low, but would also considerably reduce [more...]

Date: 2008-10-22 08:47:01

Spread Markets

Credit markets are taking a battering today. The flight to riskier assets which began at with the Federal Reserve announcement that the Federal Funds rate would remain at zero for the rest of our natural lives has paused and possibly reversed itself. There are several factors leading to the change of heart. The Home Loan System has its own [more...]

Date: 2009-01-14 15:50:40

WOULD YOU BE WILLING TO INVEST IN A HIGH RISK LOAN FOR 28.75 % IF YOU KNEW THE PERSON HAD A GOOD JOB?

We have over 80,000 a year as well as we have a bad credit rating since of a illness emanate as well as a small not so intelligent choices. We have been perplexing to get a loan to compensate off all upon a credit (less than 7000.00) not counting a automobile loan (up in FEB 07) as well as a residence (we owe110,000 as well as it is value 135,000, though can’t get a home equity loan in TX b/c of a refiance usually 80% law.) We can means a remuneration of up to 475.00 a month. [more...]

Date: 2009-09-29 00:45:13

T3Leads - CPA Network Review

In the ‘make money online’ realm, there are literally hundreds of ways to do so, whether it be through blogging, e-commerce, affiliate marketing, ... ? T3Leads currently deals mostly with the following types of companies: debt settlement, credit cards, home improvement, insurance, tax debt, mortgage loands, payday loans, auto loans, and foreclosure. [more...]

Date: 2009-01-11 09:00:42

Re-default nation

The big question looming over the push to rewrite the home loans of people struggling to make payments is whether or not such mortgage ... % of all first mortgages in the U.S. Dugan called the results, part of his agency's new Mortgage Metrics report ... numbers to have since historically we haven't—and problem solving often starts with data collection [more...]

Date: 2008-12-08 17:35:26

Top Ten Things to Know if You’re Interested in a Reverse Mortgage

Reverse Mortgages are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first ... that lets a homeowner convert a portion of the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan [more...]

Date: 2009-01-15 19:53:15

Pre-Foreclosure Walkaways

From AP Mortgage law experts say the incentive to walk away from a home loan is highest in states that have anti-deficiency statutes, ... collection on an unsecured debt that can be readily dismissed. The bottom line really amounts ... , California, Connecticut, Florida, Idaho, Minnesota, North Carolina, North Dakota, Texas, Utah [more...]

Date: 2008-12-19 00:29:58

Countrywide Admits to Puffery in Advertising

Interesting admission from Countrywide regarding those claims of working to modify loans for homeowners. From MSNBC: In marketing, advertising and testimony before Congress, Countrywide Home Loans ... (Arizona Mortgage Guru). This Feed is for personal non-commercial use only. If you are not reading [more...]

Date: 2009-01-15 20:05:38

[IMG Woman Sleeping]

My wife suffers from sleeping sickness Ask an expert: Narcolepsy is making it increasingly difficult for my wife to hold down a job ... bonds GO Consumer advice Shopping Your rights Buying and selling a car Holiday GO Credit & loans Get out of debt Bankruptcy Credit cards Picking loans Credit checks GO Insurance Home [more...]

Date: 2008-09-24 14:17:36

Credit Markets Take a Beating

Credit markets are taking a battering today. The flight to riskier assets which began with the Federal Reserve announcement that the Federal Funds rate would remain at zero for the rest of our natural lives has paused and possibly reversed itself. There are several factors leading to the change of heart. The Home Loan System has its own set [more...]

Date: 2009-01-14 17:00:52

10 Tips on Saving for Your Ideal Home

I’ve always wanted to be a homeowner, however with all the doom and gloom these days about the current housing market, ... (Thanks Home Loan Guru!).  And while everyone has their own savings mantra, I thought ... out some of our mortgage calculators if you aren’t sure– or contact a professional within Zillow Mortgage [more...]

Date: 2008-07-30 00:26:16

Reasons to Refinance Your Mortgage

Image courtesy of Notionscapital.comThe rates on a 30 year home loan have recently fallen to record lows; and will possibly fall even further ... account or help you pay off your credit card debt a lot faster.Low Cost. If you are one of those ... the process to refinance their loan.Even though the current rate may be lower than what you are paying [more...]

Date: 2008-12-29 11:15:00

Colbert Interviews Michael Moore - Talks About Bundling aka Those Algorithms To Create Markets

14,000 people every day lose their health insurance and medical bills are causing individuals to lose their homes, bankruptcy and defaulting loans.  If we want to fix the economy, then we need to fix healthcare it sounds like to me. The Federal Reserve – What’s the Answer – Roll Back Regulation and Start Running Those Algorithms? What is also interesting is that Mr. [more...]

Date: 2009-09-26 16:01:00

STCU: Crisis Averted

I enjoyed this note from Spokane Teachers Credit Union to their members: “In the interest of full disclosure, STCU would like to announce that, ... in the midst of the national mortgage crisis, your credit union has had one bad home loan… the crisis was all over in less than an hour.” Perhaps a little horn-tooty, but I think many credit [more...]

Date: 2008-12-22 20:17:36

Home Mortgage Loan: 5 Elements To Take Into Consideration Before Buying A House

While purchasing a house is an exciting effort in a lifetime, it is certainly not something you want to rush into ... at once. That is why, applying for a loan is crucial for most people. You will need to make sure ... of your annual salary. But even then, it is best to find a calculator online to help you figure [more...]

Date: 2009-01-05 13:01:40

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian business ... and score Home improvement loan maine Debt consolidation services Credit report credit score [more...]

Date: 2008-06-24 14:10:35

Handling Your Debt - What Tax Implications Are There?

by William Blake Sometimes when considering different ways to handle debt some fail to consider how some options may have a better tax benefit than ... to finance just about anything - an auto purchase, repayment of credit card debt… you name it. Even if your home equity loan has the same interest rate as your credit card it is still the better [more...]

Date: 2008-09-18 18:16:28

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

Do it yourself Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... . You don’t need to rush into “debt consolidation” or “home equity loan.” You can work out a strategic repair plan for yourself. You will start by collecting all your credit reports, bill payment statements [more...]

Date: 2009-01-08 17:46:16

Letting go of the old and moving on to the new

Welcome to 2009.2008 was quite a year for us. So many exciting things happened, there are things that I haven't even written about yet. Yikes! ... for something NEW!Debt reduction and elimination is our other main focus this year. This is the continuation ... of credit card addiction. It's that other debt we are looking at now: student loans, home equity [more...]

Date: 2009-01-05 04:25:00

Home Mortgage Loans Tips

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you. There are also a number of reasons to why homeowners would want to refinance their home mortgage, and that includes: obtaining a fixed interest rate, eliminating private mortgage insurance [more...]

Date: 2009-01-04 08:08:21

Economist predicts layoffs through 2010

Hahn The current recession will be the nation’s longest and deepest since the Great Depression, ... reductions in consumer spending. A continuing flood of home-loan payment adjustments that will result ... – and borrowing trillions of dollars to finance the difference. We have been on a 25 year debt binge [more...]

Date: 2008-12-26 12:59:06

Home Equity second mortage Loans - Good For Building

Homeowners sometimes find that after they have moved into their dream home, ... mortgage. This extra money you take out against the home can be used to pay off credit card debt, medical ... as a way to improve the atmosphere of the home. Others will use it to consolidate their bills [more...]

Date: 2009-01-14 07:53:00

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after ... payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low [more...]

Date: 2009-01-15 00:11:26

Opening Comments January 14 2008

Prices of Treasury coupon securities remain ensconced safely in their recent range and retreated modestly in overseas trading ... and Italy and German issued debt overnight and that issuance probably caused a little financial ... narrowed a basis point to 154 basis points. In Australia home loan approvals rose for the second [more...]

Date: 2009-01-14 12:36:38

Save Thousands by Prepaying your Mortgage

If you’re determined to cancel your home loan as soon as possible this is not a bad idea, ... penalties There also some loans that have prepayment penalties. Since the lending company earns money ... while reducing debt If you’ve read the small print and there are no prepayment penalties [more...]

Date: 2009-01-06 09:18:15

Do it yourself Credit Repair

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. Round up all credit reports, bill payment and credit card records, loan and mortgage records [more...]

Date: 2009-01-08 16:17:07

Do it yourself Credit Repair

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. Round up all credit reports, bill payment and credit card records, loan and mortgage records [more...]

Date: 2009-01-14 23:18:56

Are mortgage rates heading lower

As the stock market gains new ground investors are looking to short rates as a marker for future interest rates ... . As applications for home loans have actually seen an increase. This is a good sign for those who provide debt consolidation loans, as more people are now getting back into the market to look to lower [more...]

Date: 2009-01-10 13:42:54

Making Money From Foreclosures

My neighbors, clients and friends have been good about sharing some of their mail with me when they have a question about it ... mortgage payment and a fee of $200 dollars to renegotiate home mortgage loans with banks.  He said ... with the person who answered the phone. When he asked if I was late on my mortgage payments I said [more...]

Date: 2009-01-14 21:06:05

What is Debt Settlement ?

With the rising financial strain on many consumers, arrears in repaying outstanding debt can prove to be overwhelming ... amount). Debt settlement should be considered if one is in arrears in their debt repayment. Be it credit card debt, personal loan, home mortgage or store accounts, debt settlement may be the sole option [more...]

Date: 2009-01-04 18:24:04

Does It Pay to Re-Finance?

Does It Pay to Re-Finance? Refinancing your mortgage can be an excellent opportunity to save money and get better terms on your home loan ... of re-financing. These situations include when rates of interest drop, when the householders credit ... t be longer than the householder plans to retain the property. Credit Score Improvements [more...]

Date: 2009-01-08 14:49:52

Home Mortgage Calculators are Helpful In Planning Your Home Purchase

When you have finally decided to take that plunge into home ownership, ... and for your property taxes as these are bills that cannot be let go of and should never run behind. Generally, loan ... . By using home mortgage calculators different scenarios can be entered to determine the best financing [more...]

Date: 2009-01-12 20:51:04

Don’t Raid Your 401(k) to Make Mortgage Payments

What’s worse than not being able to make your mortgage payments? How about tapping into retirement savings to make ends meet? ... out a home equity loan. “People had wiggle room by borrowing on their houses, and it just isn’ ... that if you’re really desperate to use the money in your 401(k), you’re better off taking a loan [more...]

Date: 2008-06-04 20:00:54

Home Loan Jobs For You

by Ethan Hunter Sadly, many people who work for loan companies are unsatisfied with the job, ... and with a calculator, then you could put those to work for you in a lender position. Perhaps you loved math in school ... a homeowner. However, upon looking at the income [more...]

Date: 2008-07-08 11:24:20

Posts about Foreclosures as of August 2, 2009

Reverse mortgages to the rescue – instantloanreview.com 08/02/2009 Reverse mortgages have been around for nearly 20 years, but it wasn’t until the current financial crisis that they caught on. Seniors are turning to these loans to tap the equity in their homes and generate tax-free income to help them ride out hard times. For Frank and Carol Rider, a reverse mortgage is providing a cushion, giving their investments time to recover from the bear market. [more...]

Date: 2009-08-02 12:05:22

6 Factors Shaping the Renewable Energy Industry in 2008

Many industries experienced turbulence this year and renewable energy was no exception ... It is not just hard to secure a mortgage. Homeowners wishing to pay for a solar system using a home equity loan may ... this incentive doesn't have a direct impact on renewable energy in 2008 because the law take effect [more...]

Date: 2009-01-01 01:26:22

Iron Elegance

Iron Elegance January 15th, 2009 | Category: Hardware Think of cast iron and “contemporary” usually doesn’t come to mind ... electrical Advice alarm design shower projection home loan sewing subwoofer car punk e36 diy refugium screen printing audio granite auto repair aquarium stand project music solar clothes jewelry speakers [more...]

Date: 2009-01-15 19:16:00

Federal Home Loan Bank of Seattle Suspends Dividend

The FHLBs are probably about to become a huge story. From Bloomberg: Seattle FHLB Likely Short of Capital on Mortgage Debt (hat tip Brian) ... and “excess” stock repurchases, after the declining value of mortgage bonds likely led ... with the U.S. Securities and Exchange Commission today. ... The FHLB system has $1.25 trillion of debt, making [more...]

Date: 2009-01-13 16:19:46

The Debt-to-Income Ratio: How Much House Can You Afford?

Housing is the largest expense in the budget of most families. But how much is too much to spend on shelter? ... of her grandfather’s home. The loan that made up the difference, with closing costs, broker’s fee, taxes ... my compassion. Ms. Natale (who has three children) took out a housing loan that left her just $100 [more...]

Date: 2008-11-11 13:00:08

Paulson's New Program: Giving People Money They Can't Afford To Spend

The news is as old as the Magna Carta. The consumer is broke. He does not have a dime. He is out of work. He is defaulting on his home equity loan, and the bank has reposed his credit card. It may ... of auto loans, student loans and credit cards." The head of the Treasury is concerned that people [more...]

Date: 2008-11-25 10:50:07

Sacramento New Homeowner Tax Tip

Hey, congratulations on buying a home or condo this past year.   Do you know what is deductible on your taxes if you are a new homeowner? ... points on the same loan would be $2250. On VA and FHA loans, points are often broken down into two ... can deduct points used to obtain a mortgage loan when buying a home or condo, mortgage interest paid [more...]

Date: 2009-01-05 13:00:45

Free Credit Report: Accessing Your No Cost Beacon Score

Your credit report credit score is basically a representation of your finances and in many cases your net worth ... is more important than ever before. Getting a loan for a home, business or ever a vehicle has become ... with their criteria for approving loan applications [more...]

Date: 2009-01-07 20:30:34

Tips for Mortgage Refinancing and Debt Consolidation

Many people discover that their credit card debt is out of control when they get their monthly bank statement ... your balance over-the-limit fees. It’s time to consider debt consolidation to save your money - credit card balance transfer, home equity loan or mortgage refinancing. One of the best ways to obtain [more...]

Date: 2009-01-08 03:48:15

Affiliate Marketing with T3leads.com

Back in the early days of the Internet, you could just throw up a CPM banner and work on increasing the number of impressions ... that T3leads.com offers a wide variety of payment options, as shown above. Control Panel and Creatives ... on category. Common categories include home insurance, debt relief, and payday loans. Other useful [more...]

Date: 2009-01-15 22:33:42

Couple Plead Not Guilty to Mortgage Scheme

Frank and Maureen Blake are both charged in a pair of Indictments with conspiracy to commit wire fraud. The couple were arraigned in U.S ... material information to Countrywide Home Loans, d/b/a America’s … Read More... [more...]

Date: 2009-01-15 09:19:06

Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... 660 with a debt-to-income ratio (excluding mortgage) below 25%. In addition, your credit history ... you get. Then you can simply compare this rate with your other options - credit cards, home equity loans [more...]

Date: 2008-12-14 14:30:58

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