Bank Fraud has been all over the News...Homeowners
want to FIGHT BACK! So, we have created, for professionals,
The Quiet Title Workshop.

Remember the News Items about "ROBO-SIGNING"?

These "Banks" had companies doing their "Dirty Work" for them. Outsourced Data Bases and Freelance Servicing Companies for hire that fraudulently signed Court Documents representing themselves as VPs (and other Officers) from Banks they didn't even work for!

YES, THE BANKS ARE COMMITTING FRAUD!

Several Government Agencies are now Suing the Banks.
So can many Individual Homeowners...with the help of

well-prepared and well educated Attorneys, Realtors and

Real Estate Investors (as well as Short Sale Service providers).

WHO IS THIS FOR? WHY SHOULD I BE THERE?

Frankly, anyone who is Buying, Selling or Investing in Real Estate today.

Find out the Secrets that EVERY Realtor/investor SHOULD know,

but almost none do!

Do you know ANYBODY that attempts to help homeowners
AFTER the Foreclosure Sale?
THIS STRATEGY ALONE WILL BE WORTH MANY TIMES
THE PRICE OF THE WORKSHOP

San Diego, Ca on September 24th and 25th
Approved by the Florida and Nevada Bar

Limit 30 Attendees

Quiet Title Workshop

Questions?
email us at QuietTitleWorkshop@gmail.com

Short Sale Mortgage Fraud

For the Short Sale specialist, it is often a difficult process to
get a "File" going and have the "Bank" agree to negotiations
but there is a game-changing solution being overlooked by
almost all Short Sale producers within the Short Sale files
and that is Mortgage Fraud.

What is needed is an analysis of not just the property, but
also the existing loans and how those were handled. Are
there valid loans that are owed or has there been Mortgage
Fraud or Predatory Lending...who owns the note and do they
have a right to collect anything?

An Ohio County judge has ruled against Quicken Loans in a
$3 million predatory lending case this year. Where would
those homeowners be if someone wasn't asking the right
questions?

This was a 12-count complaint and the Ohio court found
the lending practices of Quicken Loans "unconscionable"
based in part on Quicken's utilization of a highly inflated
appraisal in making the loan.

This is a good example because who DIDN'T have an
inflated appraisal? Surprisingly, who is really challenging
any of those appraisals on which the current financing
was based. Basically, nobody...except the mother and
daughter who won a $3 Million settlement.

Who is Helping the Homeowner to Challenge Illegal Loans?

Hey, if you Short Sale, I get it...you want to do the Short Sale,
but wouldn't you imagine that your chances of getting it completed
would go up considerably IF you had the Law on YOUR side, too?!

We can tell you how...Wednesday Night.

Homeowners have actually had their entire Mortgage Loan
wiped out, thus having a Free and Clear Home with NO loan at all.
(Would you like to be a "Partner" in THAT sale?)

CALL WEDNESDAY AUGUST 17th 7pm Eastern/4pm Pacific

Dial-in: 1-218-862-1300 Conference Code: 148284

Please Join Us to find out how YOU can add this powerful
strategy to your business...Go On Offense...it's about time!


OUR CURRENTLY SCHEDULED WORKSHOP
August 26th-28th, Las Vegas ~ Quiet Title Workshop
QuietTitleWorkshop@gmail.com

Leave us your name and contact phone number.
We will be doing a Pre-Workshop Call, as well.

Let's "Team Up" to stop the Banksters and Foreclosure Fraud
Are You With Us?

God Bless America

What is a Quiet Title Action??

The "Banks"-which includes Lenders, Servicers, MERS and
Securitized Wall Street Investment Trusts have made a mockery
of the American Real Estate Markets and Homeownership, but
you can fight back using "Quiet Title" Actions in the courts.

They have made a crime scene of our nation’s formerly
sacred public records and ignored hundreds of years of
real property law in processing Loans, selling "Paper" and
moving Mortgage Liens to "nominees" and all the while using
Fraud to pretend to have interest in Loan Modifications, and
especially proven Fraud in the area of Foreclosures...forcing
Homeowners into fear of losing their homes, Short Sales,
"Cash for Keys" Deed-in-Lieu offers and into Bankruptcy to
attempt to keep their home or prolong the process of attempting
a solution.

What is a Quiet Title Action??

Now...we present a solution...the "Quiet Title Action" which
allows, through court action, the Truth to be Told...Who Really
Owns "the Note" is what everybody wants to know...and Quiet
Title establishes the True Owner.

In it's most powerful form, "Quiet Title Action" has proven that
the "Bank" has not proven "Legal Standing" in the courtroom
and ALL actions of Foreclosure may be wiped clean, including the
forced SALE of a Property...Yes, even if the "Bank" has the property
on their books as an REO, the property CAN GO BACK to the
Homeowner.

Other Homeowners have actually had their entire Mortgage Loan
wiped out, thus having a Free and Clear Home with NO loan at all.

We will be showing a small group of Attorneys, RE Investors and
Accredited Private Money Investors how to participate in our very
exclusive program...but the only way to qualify to participate with
us is to attend our very thorough Quiet Title Workshop. You MUST
have the proper education to understand what is happening to
Our America!

This is an extensive, detailed look at the Foreclosure Mess that has
been ongoing for 3 years now, with very little being accomplished...
until NOW!

Our next Workshops will be in Las Vegas, Nevada August 26-28
and
San Diego, Ca Saturday September 24 and Sunday September 25th.

Because Private Money participation is available, we request you
email your interest to QuietTitleWorkshop@gmail.com

We must hear from you, personally, as to not "openly solicit"
via potential participation, and you must be a Qualified and
Accredited Investor to participate.

Attorneys...Bring Our Network into your Practice! Ask us how!

Investors...Do you want to Help Homeowners save their Homes?
There are ways of working with Homeowners that are unique
profit opportunities via Quiet Title...or do you want to continue
to try to buy potentially Illegal REOs that just might be handed
back to the Homeowner?

August 26th-28th, Las Vegas ~ Quiet Title Workshop

NEXT QUIET TITLE WORKSHOP:
SAN DIEGO, CA

When

Saturday September 24, 2011 at 8:30 AM PDT
and
Sunday September 25, 2011 to 5:00 PM PDT
San Diego Quiet Title Workshop
OR send us an email
QuietTitleWorkshop@gmail.com

Leave us your name and contact phone number in that email.

YOU CAN BEAT THE BANKS
Let's "Team Up" to stop the Banksters and Foreclosure Fraud
Are You With Us?

God Bless America

HAMP Loan Modification

If you are behind in your Mortgage Payments or current but
soon will have an Adjustable Mortgage Re-Set to a higher rate,
then you should be exploring the HAMP Loan Modification.

Homeowners all over the Nation have been benefiting by the
the efforts our Negotiators to get great Rates and Terms and,
on occasion, even Principal Reduction of the Mortgage Loan Balance.

During July, 2010, servicers converted 36,695 HAMP
Loan Modifications restructuring to permanent status,
bringing the total number of active permanent Loan Modifications
to over 421,000.

Your Mortgage Loan could be one of the next loans to benefit from
the HAMP Loan Modification for Homeowners guidelines.

These are, however, just guidelines...and EVERY one of these
Loan Modifications is unique and must be negotiated with the
current Lender. The HAMP program is not law, there are only
suggestions and guidelines.

It is up to a skilled Negotiator to work with your Lender to get
you (and your Family) the very best deal the Lender is willing to
give.

There will be a Free Loan Modification Service Webinar
Date: Wednesday, September 1, 2010
Time: 8:30 PM - 9:00 PM EDT

ImNotLeaving Webinar for Potential Clients

http://budurl.com/uldm


"Free Eligibility Review"

When you are ready please fill out our free, no cost,
no obligation, pre-approval application and one of our
specialists will contact you within 24 to 48 hours.

https://order.imnotleaving.com/prequal_step_1.php
Interest rate as low as 2% per Government guidelines!
No Credit Qualification! Your FICO Score doesn't matter!
Adjustable Loan conversion to long term fixed!

Currently we are accepting clients in Foreclosure upon review.

Have Questions? Use the "Contact Us" Box at:
http://order.imnotleaving.com/contactus.php
or email ObamaRefi@gmail.com

Is Obama mortgage program failing to help homeowners facing foreclosure?

Is Obama mortgage program failing to help homeowners facing foreclosure?

A Senate panel was told Wednesday that the Obama administration's effort to help homeowners avoid foreclosure isn't working.

Why?
The Treasury Department has failed to fix the program.

Special inspector general for the financial bailouts Neil Barofsky said the program has not "put an appreciable dent in foreclosure filings," during a Senate Finance Committee hearing on the $700 billion bank bailout

The $700 billion bailout is misleading.

Treasury only lent out a total of $385 billion from the $700 billion fund,
and only $50 Billion has been made available for Homeowners.

The bailout has provided up to $50 billion for the mortgage modification programs.
So far, only an approximate $248 million in bailout money has been spent on the Program!

What are the Banks doing with the rest of the money they are not lending?
The Banks are not helping enough homeowners get better financing.

Why?
Because many of the mortgage debt collectors make more money when they foreclose than they do when helping homeowners.

How can the Banks get away with this?

Why?
Treasury Department has ignored earlier demands that it set clearer goals for the Program

Why?
Treasury is giving mortgage companies too much leeway to decide which homeowners will qualify for a program to reduce the principal balance of their mortgages
The Treasury Department has failed to fix the Program.

Makes you think that the interests of the Treasury
has been to allow the Banks to borrow large sums of cheap money
without a lot of consideration to the success of the program for which
the loans were intended.

Recent data suggests the Program has helped about 400,000 households avoid foreclosure.

If you are behind in payments or know someone who is...
you can submit a Free Pre-Qualification for Programs and Options
that are available to you here or request a Free Consultation
to ask your questions.

Help For Unemployed Homeowners Scam

Help For Unemployed Homeowners

"Expanded Programs Aimed At Helping Americans Modify Their Mortgages" is what the news story said...but is it true?

Vince Gerasole Reporting for CBS, Chicago told readers of the blog
"The Obama administration this week expanded programs aimed at helping millions of Americans avoid foreclosure by having their mortgages modified. "

This couldn't be more deceptive!

While the program does give relief to Homeowners who are
unemployed with a Mortgage Reduction capped at 31% of their
unemployment...it has absolutely ZERO to do with modification
of the loan.

First thing is...while the program lowers the payment now due,
it forgives nothing...the portion not required to be paid today
is ADDED TO THE BALANCE OF THE LOAN.

Not only is this only Temporary, but there is a terrible downside
for many homeowners...Unemployment benefits will no longer
be considered "Income" for the application of a permanent
Loan Modification when this program takes effect July 1.

This means that, as an example, you have one working spouse
and one on unemployment...both the working income PLUS
the unemployment benefits count as income, now. The combined
total could now be used in the application for Loan Modification.

However, after July 1...the benefits received by the Unemployed
spouse would be disregarded and, therefore, most likely, after
July 1, that family would no longer qualify for a Loan Modification.

Also, under the "Help" for Unemployed Homeowners, the loan
will have an Increasing Balance due each month on a Home that
is most likely already Upside Down...and, unlike the current
Loan Modifications programs...this is a short term, temporary fix
meant to give the Lenders whatever they can get from you, today,
then they'll come in and start foreclosing and take the home later.

Many should seek a Loan Modification

Immediately!
Lenders must have a Loan Modification package before July 1.

Just to prove it...look at this excerpt from another blog post:

"The unemployed homeowners can receive up to six months of cut-rate mortgage payments, while as much as $3,000 in relocation assistance will go to borrowers who ultimately cannot afford to stay in their homes."

Throwing Homeowners out of their houses is already expected
and it's built in...$3,000 to get out after the six month "break" expires!

If you want to know if you qualify for a Loan Modification today
we have a place you can go for a 100% free, no obligation Review.
Even if you don't think you qualify...it's 100% free...

So, what do you have to lose?
Maybe your Home!
Do not lose the opportunity, under the current program, to use
your Unemployment Benefits as Income...Try to Qualify Now!

Apply your Unemployment "Income" for a Loan Modification

If you have questions...use the Contact Us box on the Website
or
Contact Us: ObamaRefi@gmail.com
Hurry! You have only a few days to submit a Loan Modification
under the current program...Lenders must get it "into their system"
before July 1.

Obama Mortgage Loan Modification

Lenders are more organized and more in tune with the government's
Making Home Affordable program and we are seeing great success
with the Obama Mortgage Loan Modification packages submitted.

We are seeing a 90% success rate on client's submissions, homeowners
just like you are receiving loans at rates as low as 2% Fixed and
we have actually seen mortgage Loan Modifications at 0%.

Clients who have used our negotiation team to work for them and
handle the Loan Modification process directly with the lender are
seeing a 97% success rate.

How do you get ready for a Loan Modification?

Since Credit is NOT a factor in the Obama Program, what matters
is your Household Income, your Debt and all Monthly Payments.

Total monthly debt includes expenses such as your current monthly mortgage payments including your taxes and insurance (PITI), credit-card payments, any child support or alimony and other loan payments (such as an Auto Loan) beside your monthly mortgage.

The figure that one uses for this is known as "debt-to-income ratio" or DTI.

It is, basically ALL of your monthly expenses divided by your Income.
Under the Obama program, you can use ALL household income, not just
the borrower.

A Webinar this Wednesday will tell you more about the Obama Program.

Date: Wednesday, September 30, 2009
Time: 8:30 PM - 9:30 PM EDT

Residential Loan Modification Webinar

Space is limited.
Reserve your Webinar seat now at:
https://www2.gotomeeting.com/register/918003963

sponsored by: http://order.imnotleaving.com
Contact Us: ObamaRefi@gmail.com

Distressed Homeowner Going into "Forclosure"

Homeowners in Distress, I saw a Blog post tonight that asked for help:

Going Into Forclosure, Please Advise Can An Attorney Help Get Us A New Mortgage To Save Our Home?

Here is their story:

We have been trying to get a modification with Countrywide, but have no faith in them. We have been in our home 24 years. Never missed a payment or been late. Got an Arm that has already adjusted once. Low income from Social Security Disability. The second adjustment will be in January at that time we are absolutely done, can not make house payment.


Is your Mortgage Interest rate adjusting?
Has your income level changed during this down economy?
Are you experiencing financial hardship?

Here was Our Reply:

Making Home Affordable Program has rules to which the Homeowner needs to meet
to qualify for any mortgage relief and mortgage reduction.

We do a No Cost/No Obligation Mortgage Analysis and Free Pre-Qualification, so you should check this, it’s free.

You’ll have an answer in 1-2 business days. This may be
your best solution.

If you qualify, there is no credit check, your credit is not a factor. We do all the
documents for you to submit to the lender.

Contact us at ObamaRefi@gmail.com or at http://order.imnotleaving.com

Get Help Now

If you are having difficulties with your Mortgage
You can get help now, if you qualify for the Making Home Affordable Program.

Many homeowners are qualified now,
but they don't know how to apply or
they don't ask for help.

Give us a chance to help you now!

Fill out the Short Form at No Cost or Obligation. Go Now to:
Pre-Qualification Application

FixCreditBiz Hosts Customer Information Webinar

FixCreditBiz Consumer Services Benefits Overview!

Fix Credit Biz will Host a Webinar to review the Services of it's
Obama Loan Modification Document Preparation

and Credit Restoration Programs.

Clients do not have to Credit qualify for loan modification
via the Obama program, but may have other issues such
as current collection attempts or late payments and will
want to know about our Flagship Product for repairing
negative credit items on your Credit Files.

Discover consumer services solutions available at FixCreditBiz

Services available include:

-Industry leading full service credit repair.
-Residential Loan modification pre-qualification & modification
Loan Documents package preparation.

REGISTER NOW FOR THE WEBINAR

Wednesday, September 2, 2009

Time: 8:30 PM - 9:30 PM EDT

Contact Us: CreditRepairSupport@gmail.com
or
To get Started with an Obama Refinance Package
Contact Us: ObamaRefi@gmail.com OR
Complete the FREE Pre-Qualification to see if you qualify!

Obama Guidelines Residential Loan Modification Package

A solution to the "Loan Modification Scam" has been found in the
form of a Loan Modification Document Preparation Service that
helps the Homeowner with a Obama Guidelines
Residential Loan Modification Package.

It has been said that currently, only 9% of eligible homeowners
are taking advantage of the Loan Mod plan and have modified
their current loan terms into a new mortgage.

Why do Banks seem to be struggling with
loan modifications?

A large volume of loan mod applications generated by the media
exposure of the Obama Saving Homes Program added to the
desperate needs of the unemployed or underemployed.

A limited Understanding about the program and how it works
has hindered Homeowners, in many cases, from having good
communication with the Loan Servicer.

A lot of confusion about the criteria of qualifying for modifying
the current mortgage, the guidelines and the Paperwork.

Homeowners are afraid to trust one of these "Loan Modification"
Services that often want money up front and then thousands of
dollars to "negotiate" a Loan Modification...and rightly so.

There have been so many Scam Artists and Sharks in the Water
that many States have written and passed New Legislation
regarding even contacting a "Distressed" Homeowner who has
become behind in their payments.

There is a Solution

Here is a program the Homeowner can Trust

Why Should You Trust THIS program?

• No Upfront Fees are Charged to Review your Current Mortgage
• No Commitment of any kind for Review, No Credit Card info is taken
• This Program complies 100% with the Current Guidelines of the Obama Program
• We make NO Promises and Tell NO Lies...the Government sets the Rules
• If you Qualify for the Program, under the current Obama Guidelines, we will process the paperwork needed to deliver to the Lender, Done-for-You

We will help you with the entire Paperwork Package using the same Software that the Lender will use...Having the correct and complete Document Package is the best way to for the Homeowner to Get Results Fast.

DISCLAIMER
We do the Document Preparation under the Guidelines of the Obama Loan Modification Program...a Homeowner behind in payments MAY be able to stop foreclosure IF they qualify and IF the Lender will cooperate...it is the Lender who decides whether to "work it out"
therefore, we can not make any promises in any way to "Save Your Home from Foreclosure"
via our services. We promise to be truthful, honest and upfront with you!

You DO NOT have to be behind in your payments to Qualify for the Program.
If you are current now, continue to make your mortgage payments if you are able.
WE WILL NEVER TELL YOU TO STOP MAKING YOUR PAYMENTS
TO QUALIFY...

"The Home Affordable Modification program can be used only by owner-occupants who have a loan originated before Jan. 1, 2009 and who have a balance under $729,750."
(These are not the Complete Guidelines)

Obama Guidelines Residential Loan Modification Package
Loan Modification Document Preparation

Complete the FREE Pre-Qualification to see if you qualify!

Obama Administration's Making Home Affordable Program

Contact Us: ObamaRefi@gmail.com

Loan Relief for Homeowners

On July 28, Obama administration officials met with representatives of 25 mortgage lending institutions to encourage them to move more quickly to help homeowners in financial distress get loan relief.
Participants at the meeting agreed to a goal of bringing loan relief for 500,000 homeowners to be assisted by the program by Nov. 1, 2009.

MAKING HOMES AFFORDABLE
Although the original goal of this program was to help 3 million or 4 million struggling homeowners, only an estimated 200,000 borrowers are said to have been enrolled in a loan-modification program so far, which does not indicate successful completion of the
Modification.

There are indeed many scams waiting for distraught Homeowners who don't know
who to trust...many times just simply turning to their Loan Servicer for help.

Ironically, many people have been the victim of major or minor Federal Loan Laws
Violations when their Mortgage was originally created and Homeowners turn to the
representatives of these same Mortgage Notes...sometimes already a victim of Predatory
Lending to begin with (many people think only people who did not actually get a loan
are the only victims of Predatory Lending, a common but false assumption).

WHAT CAN A HOMEOWNER DO...WHO DO THEY TRUST?

• A company that takes NO UPFRONT MONEY to discuss their situation
• A company that will do a No Cost, Complimentary Mortgage Audit of their Loan
• A company that will do a Forensic Mortgage Audit of their current mortgage
• A company that Tell The Homeowner if they have been a Victim of Violations
• A company that knows how Get Homeowners Qualified for an Obama Modification

HERE IS WHAT TO DO NEXT

Go to this Website for a Complimenary Mortgage Audit to See if you Qualify for Program
(this is a Government Program and has it's Guidelines and the Homeowner must Qualify
under those Program Guidelines...Submit the Mortgage Review Form and we will tell
you if you do...)

YOU DO NOT NEED TO BE BEHIND IN YOUR PAYMENTS TO USE OUR SERVICES
AND WE WILL NEVER TELL YOU TO STOP MAKING THE MORTGAGE PAYMENTS
IF YOU ARE ABLE TO DO SO...

This program does NOT guarantee to "save your home from Foreclosure" however
OUR ATTORNEY PREPARED PACKAGES HAVE A 90% SUCCESS RATE.

Contact Us: ObamaRefi@gmail.com

Obama Administration's Making Home Affordable Program

Goals of the Obama Administration's Making Home Affordable
Program are to reduce mortgage payments for At Risk Homeowners
and create financial stability at the local, State and National level
by reducing the number of defaulting loans and foreclosures that
have flooded the Markets in 2007 and 2008 and continue in 2009.


Some Highlights of the Making Home Affordable Program

• Clear and Consistent Guidelines for Loan Modifications

• Required Participation By Financial Stability Plan Participants

• Modifications of Home Mortgages During Bankruptcy

Allowing Judicial Modifications of Home Mortgages
During Bankruptcy When A Borrower Has
No Other Options

• Strengthen Hope for Homeowners and Other FHA Loan Programs

Reducing Monthly Payments

For many families, a low-cost refinancing could reduce mortgage payments by thousands of dollars per year. For example, consider a family that took a 30-year fixed rate mortgage of $207,000 with an interest rate of 6.50% on a house worth $260,000 at the time. Today, that family has $200,000 remaining on their mortgage, but the value of that home has fallen 15% to $221,000 – making them ineligible for today’s low interest rates that generally require the borrower to have 20% home equity. Under this refinancing plan, that family could refinance to a rate near 5.16% – reducing their annual payments by over $2,300.



Focusing on Homeowners At Risk

Homeowners at risk, such as those suffering serious hardships, decreases in income, increases in expenses, payment “shock,” high combined mortgage debt compared to income, who are “underwater” (with a combined mortgage balance higher than the current market value of the house), or who show other indications of being at risk of default may be eligible for a loan modification. Eligibility for the program will sunset at the end of three years.

How the Program Works

The Home Affordable Modification program has a simple goal: reduce the amount homeowners owe per month to sustainable levels to stabilize communities.

Now that you have better idea of the goals of Obama's Making
Home Affordable Program you may want to consider using a
service that offers you FREE PRE-QUALIFICATION using the
Guidelines of the Program Above. Find out if you Qualify!

No Closing Cost/No Credit Qualify Loan Modification Refinance

If you qualify, you will submit your details and Mortgage Loan
History and the company will perform a Forensic Mortgage Audit
and prepare the package that you will need to present to the Bank.

Using the same software program as the Lenders, our package
has a 90% success rate of acceptance.

If you run into any trouble, we have Attorneys on our list that
will help negotiate your Obama Loan Modification Refinance
on your behalf.

If you are behind in payments or about to be behind, ACT NOW

Contact Us: ObamaRefi@gmail.com

Do You Need Better Credit?

Do you need to have better credit to help you qualify for Mortgage
Relief refinancing?

Today, there is a free Credit Repair Webinar being given by the
Founder of Fix Credit Biz.com

Credit Repair for Potential Clients

David George the founder of FixCreditBiz will be giving the
credit repair presentation personally, and taking questions.

Click here to register
https://www2.gotomeeting.com/register/453785107

May 20, 2009 9:00 PM - 9:30 PM EDT

PR: wait... I: wait... L: wait... LD: wait... I: wait... wait... Rank: wait... Traffic: wait... Price: wait... C: wait...

Problems for Lenders Go Wide and Deep

In today's economy, the Market is filled with nothing short of
chaos, presenting many problems for lenders and mortgage debt
servicers...and those problems go wide and deep.

Over the past two years, consumer bankruptcy filings have more than doubled.

April consumer bankruptcy filings were 125,618, the American Bankruptcy Institute reported.

Filings rose from 121,413 in March and 92,291 during April 2008
Bankruptcy filings by individuals jumped by nearly one-quarter in just one month.
Borrower bankruptcies continued to climb and are expected to increase further.

Those who refinanced with ARMs tied to the MTA index are sitting with
low rates. May 2004 was the last time that the Monthly Treasury Average
has been this low.

Those who refinanced with ARMs tied to the COFI index are doing good
as well. Just when it appeared that the Cost of Funds Index couldn't go any
lower, it sank to its lowest level on record.

Judges across the country are ruling in various ways against banks and it's
servicers. A South Carolina supreme court judge has halted foreclosures
on Fannie Mae and Freddie Mac loans.

The moratorium is targeted at loans that qualify for modifications under
federal programs.

Two other big states have also recently extended the time needed by lenders to foreclose.

In the News you'll hear reports that sales are up and the market is coming
back...don't believe it. U.S. bankers continue to tighten their residential lending.
Why? Because most bankers expect further deterioration in their portfolios.
Delinquency has continued further into record territory.

At the same time, Fannie Mae has made changes to its requirements for
using nontraditional credit scores. Depending on the sources, a total of four
to six sources are required, and one of the nontraditional sources used in
developing a nontraditional credit report must be housing-related.

Fixed mortgage rates sit at the lowest point since Freddie Mac began
tracking them... trading in Treasuries suggests fixed rates may head higher.

Is Your Home Worth Less Than What You Paid?

Are you stuck in a bad home loan? Is your home worth less than what you paid? Is your interest rate too high or ready to adjust soon? Are you late or in danger of foreclosure?

Attorney negotiation specialists can help you deal with servicers and lenders

• reduce your principal amount,
• get a lower fixed rate
• clear up your credit
• avoid bankruptcy
• avoid Foreclosure
• You can reduce your monthly payments
  with a Mortgage Modification
  

All of these things are possible with a Mortgage Modification.

If you are behind in your payments, you will want to act quickly.

Here is a site where you can get a Free Mortgage Analysis to see
if you qualify for Mortgage Relief.

It IS possible to have your current mortgage reveiwed
AND
It IS possible to have you old mortgage re-written as a new
mortgage at today's home values.

If your home is worth less than what you paid and your current
mortgage is for more than the home is worth today, you will want
to consider getting Mortgage Relief and a new loan at today's value.

If you want to qualify for the best mortgage rates and currently
have some bad credit entries on your credit report, go see the
Free Tutorial Video to clear up your credit

Home Sales Slow Despite Lower Prices Today

Here is a video for you:

• Slow Home Sales Despite Lower Prices

  Posted: Thu, 23 Apr 2009 15:32:06 GMT

  WSJ economics reporter Kelly Evans and Phil Izzo discuss the latest jobless claims and a report showing existing-home sales slowed despite declining prices.

Have you been trying to sell a home and watched prices fall in your market?

Are you in danger of missing mortgage payments or have you already fallen behind?

We have a resource that may be able to help you get a new loan under our
Mortgage Relief program...this is not a loan modification of your existing loan
but rather a new loan based on today's lower property values.

Fill in the form to have a Free Mortgage Review. You don't pay anything
until we believe we can help you. No upfront fees, get your
Free Mortgage Analysis today.

If you are accepted, you will be invited to become a client.

Our company and our law firm will take over and relieve you of
the stress of Foreclosure.

Do not deal with Scam Artists who want to take your money
first and give you a bunch of promises they can't keep!

Our Attorneys are licensed to practice law in Federal Courts in
all 50 States.

We will review your information Free and tell you if we believe
we can help you....100% Money Back Guarantee upon enrollment.

Anti-Predatory Mortgage Bill Moves Forward

Anti-predatory mortgage bill moves forward
is a featured article by Ruth Mantell of MarketWatch

An anti-predatory mortgage bill is moving forward in Washington following approval on Wednesday by a key House committee. Looking to ban dangerous practices, the Mortgage Reform and Anti-Predatory Lending Act aims to ensure that borrowers avoid overly costly mortgages, can pay back their creditors and receive better disclosures.

The House Financial Services Committee voted 49-21 to approve the legislation, and the full House of Representatives could take up the bill next week.

See full story

If you have been a victim of loan fraud or predatory lending...or
want to check to see if you were a victim of Federal Violations
on your current mortgage (purchase of refinance)...

You may apply for a Free Mortgage Analysis...you MAY be
eligible for a Mortgage Modification and, possibly, cash credit
back to your loan!

It won't cost you anything to find out...but you could save
thousands of dollars with a new mortgage!

Check the Free Mortgage Analysis Today

Broad Declines in Housing Prices, Get Mortgage Relief

Economists estimate there's a 10-month supply of unsold homes.

In March, almost half of the existing home sales were from distressed sales of foreclosures and short sales from institutions trying to undercut local "Homes for Sale" market prices (which we have talked about here, before).

The median (average) price for homes fell by 12.4% from March 2008. This means half the
home markets were down less than 12.4% but half the home prices fell by MORE than the 12.4% number, so 12.4% is the average, or median price drop.

Home prices experienced broad based declines during the month of February.

The S&P/Case-Shiller 20-City Home Price Index fell at an annualized rate of 18.6%.

While February's numbers were better than January's, the U.S. housing market remains unhealthy. This is why we say when State or National Realty Organizations seem to be
excited about "market sales are going up, we could have reached the bottom" they are just
trying to blow smoke over a bad market and hope to encourage buyers to come out of hiding.

Meanwhile, the sales numbers now have little to do with existing homebuyers trying to sell,
as banks "dump" properties at a bargain via distressed sales.

In March, layoffs accelerated and looked particularly bad in the manufacturing sector.

Also, there is much uncertainty in the Auto Industry sector, as a whole.

According to Freddie Mac, 30-year fixed rate mortgages averaged around 4.80% over the past week...yet, where are the buyers???

Great 30 year rates don't mean anything to the unemployed.

Those rates also don't mean much to sellers who are losing value in their home everyday
and are in competition with banks who can "write down" the loses against profits and cover bad deals with tax benefits.

However, there are good to great deals on homes if you are in a position to buy, have cash
for a down payment and have excellent credit.

If you need help increasing your credit score you can have your current credit cleaned and
save thousands of dollars, not only by getting the best mortgage rates but also lower
insurance payments, as insurance companies use credit info to offer rates.
tax benefits.

If you have not been able to sell and are now behind in payments, apply for Mortgage Relief.

This is NOT the Obama Government program and this is NOT Loan Modification.

If you qualify for Mortgage Relief, you may be entitled to have your old loan "thrown out"
and replaced by a NEW LOAN at today's current market value of the home.

With broad declines in housing prices, some homeowners have reduced their old mortgage
debt by 50%! Act Now, submit your information for a Free Mortgage Analysis.

Search Sales Statistics, Price Trends on Trulia

Search for sales statistics, real estate price trends, and real estate market activity in the United States using a great resource--Trulia.com

Use Trulia to Search your State
(click on a State and it will instantly give you individual cities)
Check YOUR Local Market

• Homes for Sale
• Stats & Trends

Alabama real estate guide
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Missouri real estate guide

You can select your own State's Real Estate Guide to Homes Sold and Homes now listed

Know what the Values are...Are YOU "up-side down" on your Mortgage?

If so, look into this Mortgage Relief Program
and have a Team of Attorneys negotiate for you to have your current mortgage REDUCED.

100% Free Mortgage Review at this site.

Topics That We Have Recently Covered

Here are Topics we have discussed in recent posts...

• 30 days behind (1)
• Assets Relief Program.Term Asset-Backed Securities Loan Facility (1)
• borrower (1)
• Bush Administration (1)
• collapse of the housing market. (1)
• credit repair video (1)
• defaulted loan (1)
• disclosure of fees (1)
• economy now worst ever (1)
• Emergency Relief Act (1)
• foreclosure crisis (1)
• free mortgage analysis (1)
• free mortgage review (1)
• high mortgage payments (1)
• household net worth (1)
• investment banks. First American CoreLogic (1)
• loss mitigation department (1)
• mortgage applications (1)
• mortgage audit (1)
• mortgage lender (1)
• mortgage modification (2)
• mortgage relief for homeowners (4)
• mortgage relief for investors (1)
• mortgage relief for landlords (1)
• mortgage relief for unemployed (1)
• mortgage reset (1)
• mortgage violations (1)
• mortgages eligible for assistance (1)
• new foreclosures (1)
• note holder (1)
• Obama (1)
• Obama mortgage plan (1)
• payroll jobs (1)
• President Obama (1)
• real estate market crisis (1)
• relief from foreclosure (1)
• reluctant home buyers (1)
• review mortgage (1)
• Securities (1)
• stuck with mortgage (1)
• TALF (1)
• TARP (1)
• toxic loans (1)
• TransUnion Consumer Risk (1)
• U S economy (1)
• underwater mortgages (2)
• who qualifies for mortgage relief (1)