Tag Archives: eBook

Cody Sperber’s DO IT Your self LOAN MODIFICATION eBook Is Helping Homeowners Reduce Their Monthly Payment And Avoid Foreclosure

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Phoenix, AZ (PRWEB) November 23, 2008

There are lots of loan modification folks out there these days. Frankly it seems like many of them just moved from sub prime lending to loan modification but Cody Sperber’s Do It Your self Loan Modification eBook shows that Cody and the folks at ForeclosureCounseling.com know what they are talking about. Although some books just gloss more than the things a homeowner wants to do, Cody’s DIY Loan Modication ebook gives you smart insight on factors to ask for when negotiating your own loan modification.

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In its simplest type, a Loan Modification is a way to renegotiate a homeowners current mortgage and month-to-month payments allowing them to steer clear of foreclosure and preserve their credit. A lot of elements of their mortgage can be changed to their advantage, which includes the term of the loan, interest rate, balance of principle, and month-to-month payments. It really is even feasible to have late charges waived. There are numerous opportunities opened via a Loan Modification and every single residence owner’s circumstance is special. A huge number of property owners will use a Loan Modification to stop foreclosure on their property. For any individual who is unable to make their month-to-month payments, or is in danger of becoming buried under a past-due balance, a Loan Modification is the perfect options to stopping foreclosure and maintaining their residence!

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“When you’re attempting to do a loan modification yourself the one thing you do not have is time to figure out how to do it on your personal. When your property is facing foreclosure is not the time to find out items on the job”, says Sperber. A residence owner requirements to make sure that their effort they put in is directed at reaching their ultimate purpose – saving their home – and with Cody’s Do It Your self Loan Modification ebook you are nicely on your way.

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Wasted power, frustration and burn out are all symptoms of attempting to get a loan modification. For a few bucks a homeowner can elimate the wasted power element of the equation and find out how to deal with the frustration and dead ends that often pop-up for the duration of the method.

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Inside Cody Sperber’s Do It Your self Loan Modification Kit you will locate:&#13

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The loan modification proposal package types and documents &#13
The incorporated expense and revenue worksheets &#13
The ideas for dealing with the loan modification method and loss mitigation division employees &#13
The details on where to start and what to ask for.

“Do not be fooled that your lender(s) are just going to give you a loan modification that is in your best interest! Take the time to educate your self on what a Loan Modification is, how to create a comprehensive loan modification proposal, and how to negotiate with your banks house retention division.” Cody Sperber has been assisting home owners steer clear of foreclosure for over five years and specializes in Loan Modifications and Short Sales in Arizona. He owns http://www.ForeclosureCounseling.com, http://www.SellQuickForCash.com, and http://www.CodySperber.com.

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For Far more Details Call 602-626-3598.

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New Ebook Helps Do-It-Yourselfers Modify their Home Mortgages

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Los Angeles, CA (PRWEB) February 7, 2009

Home owners hunting to save income by modifying their property mortgage will usually turn to a lawyer or a loan modification business to deal with their situation, but not all homeowners have been happy with these outcomes. In his new book, Mortgage Modifications Produced Effortless, veteran real estate broker and author Bob Boog (Selling Residences 1-2-3 and Genuine Estate Sales from Hell) delivers an instructional self-support guide for home owners interested in carrying out it themselves.

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Boog claims that he wrote the book due to the fact a gap of knowledge exists in this subject location. “I’ as soon as referred a client to a mortgage modification organization because then I would not have to deal with it. However, my client named to inform me that the modification charge charged by the lawyer would be several thousand dollars which would be added to her current loan balance and then capitalized more than a 40 year term, along with the rest of her late payments. She implied that portion of reason the modification fee price so considerably was that I would be paid a referral charge of $ 1,000. She wanted to do it herself but didn’t know how and asked me if I would support her and be paid a flat charge of $ 500. So I did it. Now when individuals ask me to modify their loan I refer them to my website. Since modifying a loan is not like rocket science. It’s generally a time-consuming job but most folks can do a loan modification themselves speedily and easily as soon as they understand how the procedure operates.” Boog claims that if an owner is unhappy with the lender’s response to make a counter proposal. And if there are any inquiries about the final terms of the modification, the owner need to then make contact with a lawyer or mortgage modification specialist. “Naturally this is common suggestions that is most suitable for the average person who can document their income with tax returns, bank statements and paystubs, but may not be applicable for somebody who files a 62 page tax return.”

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Along with a 52 web page instructional guide that delivers time-saving ideas and income-saving suggestions, readers can download all the needed types and checklists as well as a Resource Guide that outlines numerous mortgage modification possibilities, recommendations, scams and cautionary tales. The cost is a modest $ 29.95 which is about ten occasions much less than what most loan modification firms charge.

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Boog’s website http://www.short-sales1-two-3.com carries other loss mitigation merchandise which includes two books on brief sales (a single in English and one particular in Spanish co-written with his wife, Roxana). The website also delivers greeting cards for sale. “People may laugh about sending a note of appreciation to a banker, but it really is a time-tested approach that does operate,” he said.

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About Bob Boog&#13

Bob Boog began selling genuine estate in 1978. He and his wife Roxana personal a tiny actual estate organization (Bob Boog Realty) positioned approximately one particular hour north of downtown Los Angeles.

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Mr. Boog is a graduate of UCLA with a BA in English. He has taken continuing education classes in listing and promoting bank-owned properties (“Understanding the REO Ropes” and “Advanced Valuations”) as nicely as surviving the extremely competitive Los Angeles location genuine estate market place for the final 30 years.

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http://www.short-sales.com&#13

Boog, Robert&#13

Mortgage Modifications Produced Straightforward Ebook&#13

52pp &#13

Mortgage Modifications Produced Simple Resource Guide&#13

54pp&#13

Mortgage Modification Forms&#13

18pp

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For further information please make contact with:&#13

Robert Boog, Author&#13

Bob Boog Realty&#13

23916 Lyons Avenue&#13

Newhall, CA. 91321&#13

Tel/661-259-9723Fax: -661-259-9725

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Top “Main Street” Mortgage and Real Estate Scams Exposed in New eBook by D. Lance Roberts

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New York, NY (PRWEB) September 06, 2012

Mortgage and Real Estate Fraud is at an all time high. In 2008 The United States economy nearly collapsed. It’s no secret that the greed and corruption mitigated by Big Banks and Wall Street decimated the U.S. Real Estate Market and almost completely destroyed the economy. Most have heard of the various deceptive practices Wall Street used to defraud millions. The manipulation of CDO’s was a primary method of deception, credit default swaps were another.

Homeowners throughout the United States were enraged over this; millions are still being kicked out of their homes due to foreclosure. On the other hand, trillions of dollars went into the pockets of these crooks on Wall Street and for the most part many, to this day, have not been held accountable for their actions.

This corruption on Wall Street has been well documented. However, much less attention has been paid to the actions of those on Main Street. Main Street consists of Real Estate Agents, Mortgage Brokers, Loan Officers, Loan Processors, Title Companies, Loan Modification Companies, Real Estate Appraisers, and others, all operating in a neighborhood near you.

The Top “Main Street” Mortgage and Real Estate Scams of the 21st Century exposes the fraud and scams used by these Main Street players. Anything goes in this world of falsified documentation, identity theft, lying on mortgage applications, bank and wire fraud, embezzlement, and coercion.

Paid too much for your home? – Real Estate Agents. Refinanced your home and got robbed at the closing? – Mortgage Brokers, Loan Officers. Mortgage Loan Application exaggerated your income? – Loan Processors. Refinanced your mortgage and found out that it was never paid off? – Title Companies. Paid someone to represent you to negotiate a restructured mortgage, and you are still in foreclosure? – Loan Modification Companies. Way upside in your home due to inflated values? – Real Estate Appraisers.

One of the most amazing things about these scams is the fact that in most cases multiple players have to be involved to pull it off.

For example, In this scenario a homeowner with very little equity unable to sell his home is approached by a Realtor offering to represent this seller. As the Seller Agent he guarantees that he can sell the home; under certain “conditions.

THE PLAYERS

1) The Homeowner-Agrees to the scam

2) The Seller Agent-Originator of the scheme

3) The Buyer Agent-Brought in by the Seller Agent to make the transaction look legitimate

4) The Loan Officer-Provides the identity of the Straw Buyer

5) The Loan Processor-Submits the fraudulent mortgage application

6) The Appraiser-Inflates the value of the property

7) The Title Company-Conducts the fraudulent closing

In this scam, the Homeowner agrees to let the Real Estate Agent represent him because the sale is guaranteed, for a price (kickback). The Seller Agent contacts an Appraiser who will inflate the actual value of the property (for a fee of course). The Seller Agent pulls in his friend the Buyer Agent, to represent the buyer. There really is no buyer. From his rolodex, or the rolodex of his friend, the Loan Officer, emerges the “loan applicant” (stolen identity). This applicant has no intent to occupy the property; this person is totally unaware that they are in the process of applying for a mortgage. The loan application is submitted by the Loan Processor. The Title Company conducts the closing; the buyer is not present. How could he be? Once the deal closes the Real Estate Agents split the commission, the additional money now available due to the inflated property value is divided between the remaining participants. Incredible, but true.

About the Author

After witnessing this excessive fraud, greed and corruption in his 10 years experience in the industry, D. Lance Roberts decided to write this expos