Cupertino, California (PRWEB) February six, 2011
Nearby CDPE-designated agent, Timothy Alston of Keller Williams
Tag Archives: Homeowners
New York Law Firm Gives Loan Modification To Assist Homeowners Keep away from Foreclosure
Forest Hills, NY (PRWEB) August 24, 2009
Igor Noble, the principal attorney of the Law Offices of Noble & Associates, Computer, who is also the president and founder of Fantastic Northern Mortgage, Corp., an established New York mortgage business, has announced that two organizations successfully operate together providing a loan modification service to assist individuals from losing their properties. The current mortgage collapse and financial recession has numerous men and women in fear of getting foreclosed upon. Mr. Noble and his specialist employees have already helped many individuals save their properties and negotiate payments that had been cost-effective for them.

Actually millions of people are now trapped in adjustable rate mortgages and since housing rates have dropped in value, it is frequent for them to owe far more on their houses than they are even worth. Unless these borrowers are in a position to refinance their loans, the only other viable alternative they have if they are to save their properties is loan modification. Mr. Noble and his firm can effectively negotiate with lenders to decrease interest price and payments.

If the loans were approved throughout the years of 2002 and 2006, the firm stands an even greater likelihood of a profitable negotiation as this is when several State and Federal violations occurred. Due to either greed or oversight, these loans may contain significant violations of the law. No matter why these violations occurred, they can carry extremely stiff monetary penalties for the lender, and can result in significant legal consequences. A lender may possibly be forced to refund all of the interest paid from origination to present date. In addition, loans with illegal terms or circumstances are not enforceable. The foreclosure approach can be stopped when litigation on a questionable loan starts. Mortgage payments may possibly not be essential throughout the foreclosure approach nor during the litigation procedure. To increase their probabilities of good results, Mr. Noble’s firm will perform a full forensic audit by checking State and Federal laws such as HOEPA, TILA, RESPA, ECOA, and FACTA, as effectively as lenders’ underwriting guidelines to see if any violations indeed occurred.

The Law Offices of Noble & Associates, Computer has currently been profitable in saving many clientele from foreclosure. In a single distinct case they have been able to reduce their client’s minimum payment by $ 917 and had their interest rate lowered from 9.375% to just four.00%. To understand a lot more, check out http://www.GetLowRate.com or contact 888-9LOAN99

About Law Offices of Noble & Associates, Pc:
The Law Offices of Noble & Associates, Computer was founded by Mr. Igor Noble, a prominent New York attorney who has been dealing in real estate financing and acquisitions given that 1994. His firm is staffed by a group of mitigation, mortgage, and actual estate experts who specialize in loan modification and preventing foreclosures. Because its inception, the firm has effectively helped numerous consumers save their properties from foreclosure and negotiate payments they could afford.

Collectively with the Wonderful Northern Mortgage Corporation, the firm strives to put forth their maximum work into reaching a remedy that each client will advantage from. They base their relationship with every single consumer on honesty and integrity and make it a practice to stick to up with them on a normal basis to make sure each client gets just the results they have been expecting.

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New Firm Aims to Assist Homeowners Reduce Their Interest Prices for Adjustable Price Mortgages Without having Refinancing
Austin, TX (PRWEB) February 23, 2011
Home owners now have yet another option to allow them to keep in their homes affordably, specially those who do not qualify for refinancing or residence loan modification. This revolutionary method does not depend upon credit score, net worth, adjustments in salary or employment status. It is mainly for those mortgage holders in ARMs and those who do not want to walk away from their present home mortgage scenario. It will let these homeowners to take benefit of the existing low interest rates, hold their credit scores as they are, and stay in their current mortgage. This revolutionary remedy teaches hedging methods that monetary institutions have utilized for years to manage their interest price threat. Any individual can discover the technique outlined in the instructional e-book to use hedging to control their interest rate for up to ten years.

About StopHighInterest.com
StopHighInterest.com was established by Dave Von Holten, who is effectively employing hedging to control his own Adjustable Price Mortgage interest price. Owning a home in one of the worst economically-challenged states in the U.S., he devised this system following he skilled lender roadblocks to classic refinancing methods. Von Holten has an M.B.A. and more than 30 years of monetary encounter, such as 19 years of hedging in the grain sector. According to Von Holten, The program that I have created draws upon years of my knowledge in threat management. This encounter gave rise to the question, If danger can be managed in other organization sectors, why not in interest rates?, and the answer is, it undoubtedly can be.”

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A lot more Loan Modification Press Releases
United Law Group Recruits Veterans to Support Distressed Homeowners
Irvine, CA (Vocus) September 23, 2009
United Law Group, the top provider of legal foreclosure prevention and foreclosure litigation solutions nowadays announced its participation in the Camp Pendleton Fall Career Fair. The occasion will be held this Thursday, September 24, 2009 from ten:00 AM to three:00 PM, at the South Mesa Club, Developing 202850.

The semi annual Camp Pendleton Profession Fair hosts more than 100 employers. The occasion offers main organizations within higher-development, high-demand industries the opportunity to connect with veteran military personnel who are actively looking for positions. United Law Group hopes this occasion will help its efforts to employ further personnel to aid distressed home owners from its Irvine, CA offices.

United Law Group is actively recruiting personnel to support its clients deal with fallout from the mortgage crisis, stated Vito Torchia, attorney for United Law Group. The U.S. Congress recently managing subcommittee held a hearing on September 9, 2009 to evaluate the effectiveness of the Creating Home Inexpensive (MHA) program. There is far more stress than ever on banks to prove they are operating with homeowners. United Law Group wants further staff to support troubled property owners.

Bloomberg lately ran a story on the outcomes of a current report, which notes alleged troubles with the largest banks, like Bank of America and Wells Fargo. Increased scrutiny increases the stress on banks to aid property owners looking for to prevent foreclosure by way of to loan modification. United Law Group functions directly with lenders and servicers to prevent foreclosure on its clients.

Every single April and September the Transition and Employment department hosts the MCCS Career Fairs. The event brings in neighborhood, state and national employers. Spouses new to the area and transitioning service-members in search of employment are expected to be on hand.

For extra information call Camp Pendleton Profession Resource Center (760) 725-4737 or (760) 725-4199.

About United Law Group
United Law Group is a national law firm with offices in California, New York, Florida, Ohio, Nevada & Arizona. It is the biggest foreclosure prevention and litigation firm in the nation with attorneys licensed in every state. Dedicated to helping property owners facing hardships to hold their houses, United Law Group uses legal channels to compel banks to modify adjustable-price to fixed-rate mortgages, reduce principal and interest, and develop other fair options in between the lender and borrower.

For further info on United Law Group get in touch with Corvi Urling, Executive Consultant for United Law Group at (800) 680-5717.

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The National Mortgage Complaint Center is Warning All US Homeowners About Mortgages, Foreclosure Scams and the Future
Washington, DC (PRWEB) October 30, 2009
Americas Watchdog’s National Mortgage Complaint Center is one particular of the most quoted sources in the US associated to predatory mortgage lending. The group is warning all US homeowners about new mortgage scams that consist of every little thing from loan modifications, to loan foreclosures, and/or mortgage firms that are attempting to refinance homeowners by way of telemarketing, or phony mailers that were not solicited by the customer. The group is saying, “a Tv industrial comes on with a image of President Obama, and says we can help you. The part they forgot to say is, we might, or could not be able to aid you, but ahead of we talk, we require $ 3000 to $ 5000 from you up front. Do not do it.” The National Mortgage Complaint Center is saying, “if you owe a lot more than much more than 20%, than your property is truly worth in today’s actual real estate industry, you are toast. You will not get refinanced, the very best you can hope for is a forbearance agreement from your bank.” The National Mortgage Complaint Center is all about protecting home owners, or shoppers from con job mortgage lenders, and or flim flam foreclosure/loan modification scams. For much more info please contact the National Mortgage Complaint Center at 866-714-6466, or get in touch with the group via its net internet site at Http://NationalMortgageComplaintCenter.Com.

Query: Are These Loan Modification, Or Foreclosure Television Advertisements For Actual?

Answer: The National Mortgage Complaint Center is saying, “we do not consider these slick Tv advertisements on loan modifications or foreclosures are anything but one much more way to take a home owners income, ahead of they are forced out of their home.” The group is saying, “if a homeowner in a foreclosure bind truly desires support, call your state bar association, to find out what law firms are certified to in fact aid people craft a forbearance agreement, or loan modification.” The group is also saying, “we are very annoyed with a single or two of these so known as loan modification web internet sites as they seem to have duplicated our own internet web site. We actually have been written about in Funds Magazine, Newsweek Magazine, The Wall Street Journal, CBS Market place Watch, Great Housekeeping Magazine, and the New York Occasions. We see no proof a single report has ever focused on one particular of these so referred to as loan modification firms.” For far more information please contact the National Mortgage Complaint Center at 866-714-6466, or get in touch with the group by means of its internet site at Http://NationalMortgageComplaintCenter.Com.

Question: Is Now A Good Time To Refinance?

Answer: Yes. According to the National Mortgage Complaint Center, “simply because of mindless federal bailouts we could see considerably greater interest prices in the near future. We are strongly recommending that any existing homeowner with a FICO score of 750 or greater, and actual equity in their residence, refinance appropriate now, if they are paying much more than 6% on their present mortgage.” The group says, “within a year the Federal Reserve might be forced to substantially raise interest prices out of fear of their ridiculous bailouts have trigger inflation, or hyper inflation. If you are seeking for honest mortgage lenders we advise American Interbanc, The James B Nutter Business, or Bank of America.” For far more information please speak to the National Mortgage Complaint Center at 866-714-6466, or contact the group through its net internet site at Http://NationalMortgageComplaintCenter.Com.

Query: Does The National Mortgage Complaint Center Solutions For Home owners In Foreclosure, or needing a loan modification?

Answer: No. The National Mortgage Complaint Center does not supply foreclosure or loan modification services to consumers. However, the National Mortgage Complaint Center will provide inspection solutions to actual lawyers or law firms with actual predatory mortgage lending troubles. Lawyers are constantly welcome to get in touch with the National Mortgage Complaint Center for evaluation of achievable predatory mortgage lending issues. For a lot more data actual lawyers can get in touch with the National Mortgage Complaint Center anytime at 866-714-6466, or speak to the group through its internet site at Http://NationalMortgageComplaintCenter.Com.

Query: Does The National Mortgage Complaint Center Offer you A Necessary Service For All Home owners?

Answer: Yes. The National Mortgage Complaint Center provides a mortgage document inspection for $ 75, for any customer who is about to finance, or refinance their house. The mortgage document inspection involves, a narrative report that looks at feasible junk mortgage costs, inflated interest prices, junk title insurance coverage fees and/or other issues involving the mortgage lender overcharging the customer. The group says, “any customer or homeowner about to finance or refinance their residence ought to use our extremely distinctive mortgage inspection to make specific they are not being over charged, or gouged by their mortgage broker, or bank.” For far more data please make contact with the National Mortgage Complaint Center at 866-714-6466, or make contact with the group via its internet internet site at Http://NationalMortgageComplaintCenter.Com.

The group says, “every single truthful true estate agent should have the National Mortgage Complaint Center linked to their net web site. Our mortgage inspection service will insure their client gets treated pretty by a mortgage lender.”

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Columbia, MD (Vocus) December 15, 2009
Right now, IndiSoft, LLC announced that its flagship solution, RxOffice
Lit Law Group Lists 10 Greatest Errors Created by Homeowners Facing Foreclosure
Clearwater, FL (PRWEB) January 25, 2010
With so many Borrowers in Florida facing foreclosure, many of which are confused on what actions to take, The Lit Law Group, P.A., a foreclosure defense firm, has listed the Ten Largest Mistakes of Distressed Borrowers. Much more than half of foreclosures come about without any communication among the borrower and the lender. Even with all of the government programs created to aid troubled property owners, many are nonetheless confused about their options.

Most of the clientele I meet with are unaware of their alternatives or have been misguided by rumor. The majority of my day is spent educating homeowners and attempting to alleviate them of the pressures they are facing. I really feel that most homeowners dont understand the complexities of the Mortgage Market and do not know where to go for assistance, states True Estate Attorney Brian Lit of The Lit Law Group. 95 % of our practice is committed to assisting distressed house owners. Obtaining a decision maker and supplying the suitable documentation to a Mortgage Loan Servicer is usually a daunting and frustrating activity for most homeowners.

Lawyer Brian Lit and Senior Lending Executive Craig Sylvestre, co-host the Fighting Foreclosure show on NewsTalk 820 am WWBA Tampa. Educating the neighborhood on current market news and how to far better safeguard themselves from the Florida Actual Estate crisis is what the show is all about, states co-host Craig Sylvestre. There is so much misinformation out there, troubled borrowers require a spot to get the appropriate answers. he added.

The number one mistake is to do nothing at all at all according to the list:

DO Nothing With 50% of borrowers creating no try to communicate with their lenders, a lot of borrowers are faced with the possibility of severe deficiency judgments that might total hundreds of thousands of dollars. Upon the forced sale of the property, the Lender will seek the difference in the quantity owed versus what is recouped from the sale of the property (also identified as the deficiency).

The second most frequent error that consumers make, is to speak to the bank on their own with no seeking counsel.

Mr. Lit stated to a media representative: Unless you are really nicely-versed in the terms and recommendations related with the Mortgage sector, there is a great danger in contacting the Lender on your own. There are a lot of programs accessible to borrowers facing foreclosure and the Lender does not have the very best interests of the borrower at heart when attempting to collect a debt.” The detailed list is offered for interested consumers to help stop foreclosure in Tampa on the The Lit Law Group’s corporate internet web site.

The Lit Law Group, P.A., a Florida based Actual Estate Law Firm, was mostly established as part of a legal outreach to aid property owners deal with the complexities of negotiating modifications of their existing loans (Loan Modifications) and/or operating with the homeowner to sell their property exactly where the quantity may not be adequate to spend the total of all liens and costs of the sale (Quick Sales). For more information concerning the Lit Law Group, P.A., please go to or speak to, The Lit Law Group, P.A., 2364 Boy Scout Road, Suite 200, Clearwater, FL 33763 at 727-388-8332 or by way of email at info@litlawgroup.com

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Townhall Meeting to Raise Homeowners’ Concerns Against Practices of Banks in Property Loan Modification and Foreclosure
San Jose, CA (PRWEB) March 18, 2010
Homeowners In Action (http://www.homeownersinaction.com), a neighborhood grassroots movement concerned about the lack of fairness and transparency in bank practices, announced nowadays that a town hall meeting will be held at the Martin Luther King, Jr. Library in San Jose on Saturday, March 20, in order to raise home owners concerns against the secretive and ineffective practices of banks in property loan modification and foreclosure.

Janice Hills, a San Jose resident, has been waiting for her loan modification because February 2009. Twelve months later she received a get in touch with from a loan underwriter supplying a loan modification package with payments only $ 20 less than her old loan payment. Now she has tiny alternative except to let go of the property or file for bankruptcy.

However, Janice is not alone. Hundreds of thousands of homeowners across the nation face similar stories and thousands of households are heavily hit locally in San Jose.

Foreclosure dont just effect the household who loses their property, they impact the stability of our neighborhoods,” said San Jose Mayor Chuck Reed on April 8, 2009.

But, regardless of $ 75 billion offered to banks by the federal government to assist in preventing foreclosure by way of the loan modification procedure, new data released shows that the governments foreclosure prevention plan has been ineffective: mortgage servicers have delivered fairly couple of permanent modifications. Although a necessary Prepayment Trial Plan is supposed to last only for three months, ProPublica reported lately that about one hundred,000 homeowners have been stuck in a prepayment plan for longer than six months, some for as extended as 10 months, a lot more than 3 occasions the Obama Generating Residence Reasonably priced Applications recommendations, even though several have noticed their home foreclosed during the approach.

The bailout is taxpayers’ money. It requirements to get out to the people on Main Street to preserve these properties, to protect these neighborhoods,” said California Assemblyman Alberto Torrico.

Jenny Do, San Jose lawyer and cofounder of Home owners In Action, said: It is essential to halt all foreclosures on property loans unless they have been processed through the governments Residence Reasonably priced Modification System and exhausted lenders own alternative modification programs.”

Michel Lopez, CEO of a nearby company, added: “Home owners in economic problems are victims of unfair and secretive banking practices. They are taxpayers who have contributed money to the bailouts and it is a moral obligation for bankers to rescue them back in return.”

The goal of this town hall meeting is to let the people voice their stories and sign a petition demanding banks and mortgage businesses to be transparent and take instant action to avert the foreclosure of houses, that are affecting thousands of families in San Jose.

Please join the forum with hundreds of other property owners to raise the concerns of the community and demand immediate services by banks and mortgage organizations to stop foreclosure.

When & Where
Saturday, March 20, ten:00 AM to 12:00 PM
2nd Floor of the Martin Luther King, Jr Library
150 East San Fernando Street, San Jose, CA 95112
4th Street & San Fernando Street, downtown San Jose

Speak to:
New Choices For Homeowners – The HAFA Program (Home Reasonably priced Foreclosure Options)
San Diego, CA (PRWEB) April six, 2010
With foreclosures nevertheless increasing, interest prices probably to go up and the government’s HAMP loan modification plan stalled on the tracks, HAFA (the Property Affordable Foreclosure Options) initiative may offer lenders and homeowners with some light at the finish of the tunnel.

An expansion of the Home Cost-effective Modification Plan (HAMP), HAFA offers a streamlined approach for quick sales and deeds-in-lieu that will allow property owners to discharge their 1st mortgage debt without the credit-destroying step of foreclosure. And, in a small stroke of governmental genius, it supplies a $ 1,000 incentive to banks to permit quick sales and a $ 1,500 bonus to home owners for the purpose of relocation.

According to Brian Yui, CEO of San Diego actual estate brokerage HouseRebate.com, “This system could save countless homeowners from foreclosure. HouseRebate has a fleet of agents who specialize in quick sales. They are professional negotiators and are intimately familiar with the HAFA plan. It is critical for property owners who want to participate in this program to work with experienced agents to comprehend the best outcome.”

The HAFA system, like its massive brother HAMP, has eligibility recommendations. The house should be the owner’s principal residence, the initial mortgage must predate 2009, the unpaid principal must be significantly less than $ 729,750 for a single-loved ones dwelling, the borrower’s monthly payment have to exceed 31% of their gross earnings, and the mortgage must either be delinquent or a default be reasonably foreseeable.

As soon as these criteria are met, borrowers will receive pre-authorized quick sale terms from their lender, like the minimum acceptable proceeds of the sale, ahead of listing their property with a Realtor and have 120 days-with extensions permitted up to a total of 12 months-to sell their property. Primarily based on the brief sale agreement with the lender, HAFA needs house owners to be fully released from any future liability on their initial mortgage debt, and in some circumstances, subordinate debts, so that when the house is sold, the borrower is free of charge and clear of their mortgage.

So is there a market for short sales? “We have cash purchasers lined up to take benefit of short sales,” says Yui of HouseRebate.com. These are men and women who are in a position to purchase distressed properties quickly, relieving home owners of their debt burden. It’s a win-win situation, one thing we have not observed for a although in this difficult market place.”

The program ends on December 31, 2012. HAFA does not apply to FHA or VA loans. As with any government system, there is a good deal of paperwork, albeit standardized, so property owners wishing to take advantage of the relief presented must function with a Realtor knowledgeable in quick sales.

HouseRebate.com, a member of the National Association of Realtors, is a full-service value true estate company that maintains a seasoned staff of agents. They provide all the services that traditional true estate offices offer you at discount costs, with decreased commissions on sale, and rebates of 33 percent on commissions of purchases. HouseRebate has agents who specialize in short sales and are familiar with HAMP and HAFA recommendations.

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Public Awareness Campaign Empowers Homeowners to Combat Loan Modification Scams
Riverside, CA (Vocus) June 9, 2010
On Friday, June 11, a partnership of regional, state and national government agencies, nonprofit organizations and financial institutions will collect at the steps of City Hall in Riverside to launch a public education campaign made to help property owners protect themselves against loan modification scams, uncover trusted help and report illegal activity to authorities. The press conference and kick-off are among several events held in recent months in cities across the nation to announce the Loan Modification Scam Alert campaign, a national initiative created to combat loan modification scams.

California has regularly posted one particular of the nations highest foreclosure prices. The Inland Empire is among numerous metropolitan regions in California to regularly rank among locations with the highest foreclosure prices.

Too a lot of residents in the Inland Empire, like home owners nationwide, are losing thousands of dollars and their residences to scam artists who make huge promises and then do small or absolutely nothing to help them save their residences, said Thomas Coates, program manager for the Housing Possibilities Collaborative of the Inland Empire, a nonprofit organization comprised of a number of HUD-authorized counseling agencies that do not charge shoppers a charge for housing counseling. Any individual can be a victim and the individuals of the Inland Empire want to know what sources are obtainable to them. They need to know that legal aid groups, economic institutions, and HUD-certified counselors are providing free of charge solutions to any individual searching for aid.

The regional kickoff event will function representatives from the Federal Deposit Insurance Corporation, NeighborWorks