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