Avoid Foreclosure Today.

A Homeowner's Defense Against the Foreclosure Lawsuit

mike@avoidforeclosuretoday.info — Tue, 18 Mar 2008 12:51:04 PDT

This is the second article in a series examining various general issues of relating to foreclosures and the legal environment. Homeowners often avoid going to the initial foreclosure default hearing, which makes it very easy on the bank to win a case and proceed from foreclosure to eviction. Being aware of some of these legal issues, though, can encourage foreclosure victims to make it to the hearing and present their side of the story, which may result in a better resolution to the problem than a sheriff sale. Although these issues may not be come up at all, or the homeowners will find some solution outside of the courts, being aware of these aspects of the foreclosure process can allow them to put together more backup plans if the bank does pursue the default through the county court system.

The previous article discussed what elements of a case that the lender would need to prove in order to win a judgment against the homeowners. These included proving there was a legally binding contract, the lender performed as agreed under the terms of the contract, the homeowners breached some part of the agreement, and the breach caused the mortgage company to suffer actual damages. The lender must prove all of these elements in order to win; if they can not prove one of them, there is no case. For example, if the bank shows everything else but can not prove that they own the paperwork for the loan, due to it being passed around from lender to lender, sold to hedge funds, investment firms, and then sold to the foreclosing bank, but the loan papers are not clear, there may be no judgment awarded. to read more visit here

Does Bailing Out Banks Help Homeowners in Foreclosure or Stabilize the Economy?

mike@avoidforeclosuretoday.info — Thu, 13 Mar 2008 18:55:00 PDT

Despite all of the outcries from homeowners about the foreclosure crisis, the only ones who have been bailed out so far are the banks that made these poor loans. People suffering from rising interest rates and financial hardships have been offered nothing but more of the same dressed up in fancy new government program names. Even these are only voluntary for a small number of banks to participate in, though, leaving the majority of homeowners to fend for themselves.

But will these numerous federal bailouts of the hedge funds and large banks "trickle down" to help the average American facing the loss of a home? Unfortunately, the answer is that bailouts of the banks will not help homeowners, and will even contribute to even more hardships. The government has nothing and produces nothing, so any bailout money it hands out to the nation's banks must be taken from some other source; namely, the taxpayers and homeowners themselves.

So, by stealing money (through borrowing or inflation) to pay off the banks and keep them in business, the government will just be rewarding the poor lending decisions these banks made for so long. Of course, this creates moral hazard for the lenders to keep making bad loans, trusting in the government to bail them out next time. This has happened over and over again, the Asian Crisis to the collapse of the Argentine economy being just two more recent examples. Furthermore, it was the easy credit and federal bailouts that created the housing bubble and led it to become as massive as it did. Just pouring more inflation and credit into the system to bail out the banks will not solve the problems. A trickle down? More like a mass concentration of wealth upwards. To read more visit here

California Law for Real Estate Investors - Including Forclosure Issues

mike@avoidforeclosuretoday.info — Tue, 04 Mar 2008 18:55:51 PST

Probate Issues
One mistake that California real-estate investors make is signing a purchase contract too soon when a probate is required.
Some real-estate investors try to buy properties when the deceased left real estate to family members or friends who cannot make the monthly loan payments. If the deceased had a trust, generally there is no problem: The current trustee has the power to sell the property.
It is different, though, if the deceased either had only a will, or had neither a trust or a will. In that case there has to be a probate unless there is a will leaving everything to a surviving spouse. (There is also an exception if the assets of the estate, without subtracting any loans, is less than $100,000, but that is very unlikely if real estate is involved.) With a will leaving everything to a surviving spouse, it is often possible to bring a "spousal petition" in the probate court to transfer full title to the surviving spouse without having to go through an entire probate.
Otherwise, usually a probate must be filed or there will not be clear title to the real estate. Basically a probate is a court procedure where the will (if any) and a listing of the assets are filed with the Probate Court, a person representative (executor) is approved by the Court, creditors and heirs are given a chance to submit claims, a representative of the Court frequently determines the value of the estate, and ultimately the Court issues an order directing how the money and property in the estate are to be distributed. The whole process can take eight months or so, although the time depends on the complexity of the matter.
Real-estate investors should understand that an executor has no authority to sign contracts for the sale of real estate until that executor is approved by the Probate Court as the personal representative for the estate. Also, unless the petition for the probate asks that the personal representative be given "full authority" (and the Court grants it), any sale of real estate from the estate must be specifically approved by the Court. If the Court has to approve the sale, it may be sold for no less than 10% below the fair market value determined by the Court representative who values estate property. Sometimes executors try to handle the probate themselves without the help of an attorney; few know to ask for "full authority" when the initial papers are filed - and if it is not requested initially, the Court frequently will be reluctant to grant it later. On the other hand, once a personal representative has been approved with "full authority", any agreement signed with that personal representative regarding the purchase of real property should be binding.
Because probate is complex and non-attorneys who try to handle a probate themselves frequently run into problems, if you are dealing with a probate situation as a potential purchaser, try to get the executor to retain an attorney who can handle the probate. This does cost some money (although the attorney is only paid at the end of the probate), but otherwise the property may be lost to foreclosure. This is particularly true since, while many lenders will stop the foreclosure process if they are given proof that an attorney is handling the probate, frequently they will not stop the process if no attorney is involved.
Preforeclosure Sale Requirements
Another mistake that real-estate investors make is not following the requirements when purchasing residential property in California if a notice of default has been recorded by the lender.
California has a detailed set of statutes setting out requirements for contracts for residential preforeclosure sales. (Civil Code §§1695-1695.17.) These statutes apply to any residential real property consisting of one-to-four family dwelling units, one of which the owner occupies as his or her principal place of residence, and against which there is an outstanding notice of default. These statutes require, among other things, that the contract:
Spell out all terms of the agreement (including, for example, buyback rights).Contain certain notices that meet certain size and bolding requirements.Allow the seller to cancel, usually up until midnight of the 5th business day after signing.Be accompanied by a Notice of Cancellation form in duplicate.
Also, until the cancellation period ends, the buyer cannot:
Have the seller sign a deed or deed of trust.Record any deed or deed of trust regarding the property.Transfer any interest in the property to a third party.Pay the seller any money or other consideration.
In addition, the purchaser cannot make any untrue or misleading statements regarding the value of the residence in foreclosure, the amount of proceeds the seller will receive after a foreclosure sale, or any other untrue or misleading statement concerning the sale of the residence.
Moreover, purchasers are forbidden from taking "unconscionable advantage" of the seller. This applies if the seller is incompetent or does not understand the transaction (for example, if the seller is not fluent enough in English), and may apply in other situations as well. If "unconscionable advantage" is taken, the transaction may be rescinded at any time within two years of the date of the recordation of the conveyance of the residential property.
If any of these provisions are violated, the seller may not only be able to rescind the agreement but also recover actual damages, attorneys' fees and costs, and exemplary damages in an amount equal to the greater of three times actual damages or $2,500. Fraud or deceit may additionally be punished by a fine of $25,000, by imprisonment in the county jail or in state prison for not more than one year, or by both for each violation. Other remedies may apply as well.
Any provision of a contract which attempts or purports to limit the liability of the purchaser is void and, at the option of the seller, renders the purchase contract void.
Moral of the story: If you are going to be purchasing preforeclosure residential property, you should have an attorney review your forms.
Restrictions on Giving Foreclosure Advice
California also has specific statutes regarding residential foreclosure consultants. (Civil Code §§2945-2945.11.) Part of these statutes are directed at those who charge an owner for helping the owner obtain any money remaining after a foreclosure sale, although the statutes cover more than just that. "Foreclosure consultant" basically is defined as any person who makes offers to perform for compensation or who performs for compensation any service to:
1. Stop or postpone the foreclosure sale.
2. Obtain any forbearance from any lender.
3. Assist the owner to exercise a right of reinstatement.
4. Obtain any extension of time for the owner to reinstate his or her obligation.
5. Obtain any waiver of an acceleration clause.
6. Assist the owner to obtain a loan or advance of funds.
7. Avoid or ameliorate the impairment of the owner's credit.
8. Save the owner's residence from foreclosure.
9. Assist the owner in obtaining any remaining proceeds from the foreclosure sale.
With the exception of the last item, there are exceptions for licensed real-estate brokers and agents, accountants, licensed residential mortgage lenders and servicers, etc.
The owner has the right to cancel such a contract until midnight of the third "business day" after the day on which the owner signs the contract.
The contract must be in writing and, among other things, must:
Fully disclose the exact nature of the foreclosure consultant's services.Fully disclose the total amount and terms of compensation.Contain a specific notice in a minimum size and with bolding.Have a Notice of Cancellation form attached in duplicate.
Only after the 65-day period following any foreclosure sale, may the foreclosure consultant enter into a contract to assist the owner in arranging the release of funds remaining after the foreclosure sale. This agreement also must contain a specific notice in a minimum print size in bold.
Among other things, it is a violation for the foreclosure consultant to:
1. Receive any compensation until after the foreclosure consultant has fully performed.
2. Receive any fee or other compensation which exceeds 10 percent per annum of the amount of any loan which the foreclosure consultant may make to the owner.
3. Take any wage assignment, any lien of any type on real or personal property, or other security to secure the payment of compensation.
4. Receive any consideration from any third party in connection with services rendered to an owner unless that consideration is fully disclosed to the owner.
5. Acquire any interest in a residence in foreclosure from an owner with whom the foreclosure consultant has contracted.
6. Take any power of attorney from an owner for any purpose.
7. Induce or attempt to induce any owner to enter into a contract that does not comply with the foreclosure consultant statutes.
8. Enter into an agreement to assist the owner in arranging the release of surplus funds prior to 65 days after the trustee's sale is conducted.
Note that (e) means that someone cannot both be paid as a foreclosure consultant AND also purchase some or all of the property.
A foreclosure consultant is also liable for the acts of any representative that he/she uses.
Any waiver by an owner of the statute is void, and any attempt by a foreclosure consultant to induce an owner to waive his/her rights is a violation of the statute.
If a foreclosure consultant violates any of the statutes, the owner may receive a judgment for actual damages, reasonable attorneys' fees and costs, and appropriate equitable relief. The court also may, in its discretion, award exemplary damages and must award exemplary damages equivalent to at least three times the compensation received by the foreclosure consultant in violation of certain provisions, and three times the owner's actual damages for any violation of other provisions, in addition to any other award of actual or exemplary damages. The owner may bring the action up to four years after the date of the alleged violation. In addition, there may also be criminal penalties of not more than ten thousand dollars ($10,000) and/or imprisonment in the county jail for not more than one year, or in the state prison.
If you are going to receive any type of compensation for acting as a foreclosure consultant, you should have an attorney review in advance the agreements you will be using.
Predatory Lending Law
California's predatory lending law (Financial Code Sections 4970-4979.6) applies to certain loans secured by a lien on a residence.
Basically, the predatory lending law applies where there is a "consumer loan" (defined below) in which the original principal balance of the loan does not exceed two hundred fifty thousand dollars ($250,000), adjusted upwards every five years after 2001 in accordance with the California Consumer Price Index, in the case of a mortgage or deed of trust, and where one of the following conditions are met:
1. For a mortgage or deed of trust, the annual percentage rate at consummation of the transaction will exceed by more than eight percentage points the yield on Treasury securities having comparable periods of maturity; OR
2. The total points and fees payable by the consumer at or before closing for a mortgage or deed of trust will exceed 6 percent of the total loan amount.
"Consumer loan" is defined to mean a loan that is secured by real property located in California that used, or intended to be used or occupied, as the principal dwelling of the consumer that is improved by a one-to-four residential unit. "Consumer loan" does not include a reverse mortgage, an open line of credit, or a loan that is secured by rental property or second homes. "Consumer loan" also does not include a bridge loan, which is defined as any temporary loan, having a maturity of one year or less, for the purpose of "acquisition or construction" of a dwelling intended to become the consumer's principal dwelling.
What this means is that if the loan is for an amount greater than $250,000 (and is secured by a mortgage or deed of trust) or the term of the loan is a year or less AND is for acquisition or construction, then the predatory lending law does not apply.
If the law does apply, a number of complex requirements come into play. Among other items, there can be no prepayment penalty for the first 36 months, any other prepayment provision must meet specific requirements, the interest rate cannot increase on default, the originator must reasonably believe the borrower will be able to make the scheduled payments, acceleration cannot be based on the lender's sole discretion, there are restrictions on payment of home-improvement contracts and there must be an identifiable benefit to the borrower. In addition, a person who originates a covered loan cannot make a covered loan that finances points and fees in excess of one thousand dollars ($1,000) or 6 percent of the original principal balance, exclusive of points and fees, whichever is greater. Because of the complexity of the statute, if you are going to be making loans covered by the statute, you should seek an attorney's services.
If the person violating this section is licensed, the licensing agency can take disciplinary action, including suspension or revocation of the license. In addition, any person who willfully and knowingly violates this law is liable for a civil penalty of not more than twenty-five thousand dollars ($25,000) in an action brought by the licensing agency.
Whether licensed or not, a person who fails to comply with the law is civilly liable to the borrower in an amount equal to any actual damages suffered, plus attorneys fees and costs. For a willful and knowing violation, the offender is liable to the borrower in the amount of fifteen thousand dollars ($15,000) or actual damages, whichever is greater, plus attorneys fees and costs.
A court may, in addition to any other remedy, award punitive damages to the borrower upon a finding that such damages are warranted.
While the City of Oakland had an even stricter predatory lending law, the California Supreme Court struck it down as preempted by the State law in American Financial Services Assn. v. City of Oakland (2005) 34 Cal.4th 1239.
Usury Law
Usury is governed by Art. 15, §1 of the California Constitution, although some exemptions to it are scattered throughout the California statutes.
Subsection (1) governs loans primarily for personal, family, or household purposes, BUT Subsection (2) applies to all other loans. The latter limits interest to the higher of 10% OR 5% plus the then-current Federal Reserve rate.
A lender may charge a borrower an extra and reasonable amount for additional incidental expenses in negotiating, brokering, making, and securing the transaction without such charges being treated as interest. To determine this, you probably look at the points commercial lenders are charging for this size loan (at the same interest rate and same length of loan) at the time the loan was made. To the extent that points are in excess of that amount, those points count towards the usury limit.
There are a number of exemptions. The primary one is for any loans made or arranged by any person licensed as a real estate broker by the State of California and secured in whole or in part by liens on real property, assuming that the broker is compensated (however little) for doing so.
There is another exemption for "industrial loan companies" that are licensed by California, and an exemption for licensed finance lenders.
In addition, there is an exception for shared-appreciation loans.
If there is a violation and the interest has not been paid, the interest provision is void and the lender recovers only the principal, although the borrower could seek punitive damages as well. If the interest has been paid, then an uncodified law allows treble damages.
f you are going to pay a licensed real-estate broker to arrange the loan, it is strongly recommended that you have a brief written agreement in place with that broker as evidence.
Licensing for Making Residential Mortgage Loans
You cannot be engage in the business of making residential mortgage loans in California without being licensed in some way. (See, e.g., the California Residential Mortgage Lending Act, California Financial Code Section 50000 et seq.) This means that either you will need to obtain a license or involve a licensed real-estate broker or some other appropriately licensed person for such loans. For more information, see the California Department of Real Estate's page at http://www.dre.ca.gov/faqs_mlb.htm ("FAQs: Mortgage Loan Brokering in California").
Other Limitations on Real-Property Loans
The California "Real Property Loans" statutes puts restrictions on late charges and on prepayment penalties. (California Business & Professions Code §10240 et seq.)
Any late charge imposed for late payment of an installment due on a loan secured by a lien on real property cannot exceed an amount equal to 10 percent of the installment due, except that a minimum charge of five dollars ($5) may be imposed. No charge may be imposed more than once for the same late payment of an installment, and no late charge may be imposed on any installment which is paid or tendered in full within 10 days after its scheduled due date.
Also, only a prepayment made within seven years of the date of execution of such mortgage or deed of trust may be subject to a prepayment charge. An amount not exceeding 20 percent of the unpaid balance may be prepaid in any 12-month period. A prepayment charge may be imposed on any amount prepaid in any 12-month period in excess of 20 percent of the unpaid balance which charge shall not exceed an amount equal to the payment of six months' advance interest on the amount prepaid in excess of 20 percent of the unpaid balance.
There are additional requirements that apply if the loan is a first trust deed with a principal of less than thirty thousand dollars ($30,000) or is a junior lien with a principal of less than thousand dollars ($20,000). Such small loans seem unlikely.
Trusts to Avoid Transfer Taxes and Due-on-sale Clauses
A land trust (at least in California) is just a trust that has a piece of real property as the trust asset. (Some states have specific land-trust statutes, but California does not.)
Virtually all fixed-interest loans secured by a residence have a "due-on-sale" clause that allows the lender to call the loan when the property is sold, transferred, etc. Some purchasers have the property put into a trust so that the lender does not discover that a transfer of the property has been made that would trigger the due-on-sale clause. More specifically, what they do is have the original owners set up a trust and transfer the property into it via a deed. Then when sale occurs, the beneficiaries and trustees in the trust are changed to the new owners; no deed to the new owner is recorded. Some take it step further and when they re-sell the property they again change the beneficiaries and the trustees to the latest new owners.
Lenders, though, have a variety of ways by which they learn that a transfer has taken place (for example, the signature of the trustee changing on the checks). As a practical matter, a year or two may go by, but the lender almost always seems to find out eventually. Some lenders are governed by regulations that require them to exercise the due-on-sale clause if they discover that a transfer has been made.
Probably the most a lender would do is call the loan and not actually sue anyone, but taking this approach seems to constitute inducing the original owner to breach the due-on-sale provisions of the loan agreement and might even be considered fraud. There are also Prop. 13 issues in California in that normally a transfer of real property (except to certain family members) triggers a reappraisal of the property at fair market value. That could also expose a purchaser to liability in this situation.
There are legitimate uses of a land trust, including preserving privacy and avoiding - legally in some cases - some transfer taxes. If a piece of property is only going to be owned for a few weeks before resale where a deed is used with the last buyer, a land trust may be OK, since the lender and the county are notified of that sale. Outside of that situation, using a land trust to avoid the due-on-sale clause or reappraisal may expose the purchaser to liability.
You are welcome to copy and distribute this document for non-commercial purposes, but both of the following must be left on it:
The foregoing article constitutes general information only and should not be relied upon as legal advice.
Methven & Associates2232 Sixth Street Berkeley, CA 94710phone: (510) 649-4019 fax: (510) 649-4024e-mail: bmethven@methvenlaw.comWeb site: http://www.methvenlaw.comCopyright 2004 Bruce E. Methven. All Rights Reserved.
Article Source: http://EzineArticles.com/?expert=Bruce_Methven

Short Sale Or Deed In Lieu Of Foreclosure - What To Do When You Owe More Than Your House Is Worth?

mike@avoidforeclosuretoday.info — Fri, 29 Feb 2008 14:22:57 PST

f you owe more than your house is worth, what are your options? One is that you can keep your home and continue making payments.

Eventually inflation will increase the value of real estate and you should be okay. This may take five, ten or fifteen years but it will happen. More inflation is pretty much guaranteed. Of course, one can question the wisdom of paying every month on an asset that is falling in value and that is not worth what you are paying. To read more visit here

Project Lifeline - Your 30 Day Foreclosure Reprieve

mike@avoidforeclosuretoday.info — Thu, 14 Feb 2008 17:02:38 PST

Announced yesterday (Feb 11, 2008), "Project Lifeline" is yet another attempt by both the Bush Administration and six of the nations top mortgage lenders to "lend a helping hand" to the American Homeowner. The first wave of government intervention into the troubled real estate market was just a few weeks ago and apparently they figured out the same thing that we already knew. It helps .5% of the home owners in the country, while the others sit around wondering what to do.

Enter round two. Where the first round of government intervention focused its attention on the subprime market, Project Lifeline offers help this time to home owners with Conventional Mortgages, Home Equity Loans, and Second Mortgages. Great! So how does it work?

To read more click here

Understanding the Foreclosure Process

mike@avoidforeclosuretoday.info — Wed, 06 Feb 2008 17:44:35 PST

Foreclosures have been steadily increasing over the past few months in most American cities. Some of the cities with the highest number of foreclosures include Atlanta, Los Angeles, Miami, Detroit, Phoenix and many others.

There are many different reasons why homes go into foreclosure. One of the most important reasons today is the day so called sub-prime mortgage mess. This occurred because many banks relaxed their lending guidelines. A lot of people who would otherwise not be able to buy a home were able to buy a home over the past few years because of these relaxed guidelines.

Unfortunately, most of these people bought homes with mortgages that they could not afford to pay. A lot of these mortgages were adjustable rate mortgages. The payments on these loans were initially very low however, the loan payments increased dramatically as the interest rates adjusted upwards. So these homebuyers could not afford to pay and so had to go into foreclosure.

When a homeowner is not able to pay his or her mortgage, the bank may decide to take back the home. This is also called a foreclosure.

Different states have different guidelines on how banks can foreclosure on a property.

This process is very short and straightforward in the state of Georgia. It is much along that in many other states. There are two types of foreclosure processes: one is a judicial process, and the other is non-judicial. Some states like Georgia use the non-judicial foreclosure process. This non-judicial process is very fast. A homeowner in Georgia may lose their home in as little as 30 days if they fail to pay a mortgage on time.

The bank merely has to go to cost and declared that the mod gauge these view immediately. When this happens, the home owner may come up with the money in order to stop the foreclosure. This is very difficult because many of these home owners are already facing a lot all financial difficulties. The bank publishes a note these in the Loki newspaper that they are ready to foreclose on the home.

The bank is required by law to publish this no tears in the paper for at least four weeks before the actual foreclosure date. If the home owner does not come up with the money to pay the loan within this time the bank has the right to go to court and set a property at the court steps to the highest bidder. Some banks succeed in selling the home quickly, however most of them would end up buying back the property. This is now called an REO property.

The bank now recruits a real estate broker to list and sell their property to any interested buyers. These homes are initially listed at market value. The bank will eventually discount the property, if they are not able to sell it at fair market value. This represents a good bargain for a savvy home buyer. This savvy homebuyer really needs to work with a real estate agent who knows how to locate these discounted properties. And remember not all foreclosures are good deals.

Eric Mabo is an Atlanta foreclosures Expert. He helps people find real estate deals

Article Source: http://EzineArticles.com/?expert=Eric_Mabo

Review of Foreclosure Free Zone

mike@avoidforeclosuretoday.info — Thu, 31 Jan 2008 13:36:01 PST

Everyday the news is full of the looming foreclosure crisis. For some the crisis is now! Banks, lenders and the government are all trying to fix the problem and help homeowners save their home and their credit. "Foreclosure Free Zone" is a new book written to help homeowners prevent foreclosure. There are many sites offering free information on foreclosures, but what this ebook does is give you solutions that can literally stop the foreclosure process in a matter of days.

The author is Bryan Ward a financial researcher, writer and strategist. Part of Bryan's passion is helping empower people financially. Bryan claims that this book "Foreclosure Free Zone" is a results-oriented ebook showing you how to stop foreclosure and save your credit in 9 days or less. It is a no-nonsense, easy to understand guide that in the right hands, will stop help homeowners save their homes and keep their credit rating.

Some of the areas covered in his book are:

1. How you can get your house back yourself without resorting to an expensive foreclosure prevention service or loan consolidation.

2. Discover the critical question you must ask your bank to avoid being blind-sided with a huge five-figure bill weeks after you thought everything was taken care of.

3. Learn the simple solution to stopping mortgage loan default in clear, plain English. Most foreclosure info is either dated, jaded, biased. It's also usually very difficult to understand: too much jargon or just poorly written. Foreclosure Free Zone is tightly edited, clear and easy to understand.

4. The truth about declaring bankruptcy as a prevention strategy. There is a lot of misinformation out there about this topic... you deserve to know the truth. Learn it know before you waste precious time and money on a dead end path.

Bryan Ward's book even includes a four page hand-crafted telephone script, complete with prompts, that gives you prep, coaching and step-by-step instructions for the most important phone call of your life. Learn powerful psychological tactics that give you instant rapport and access with the person who holds your financial fate in their hands.

This book comes with information showing you how to create a custom financial worksheet, a repayment plan tactical worksheet and more. It also comes with a full money back guarantee. At $47.00 this is a great deal for anyone facing defaulting on their home loan. Foreclosure Free Zone will give you the tools you need now to deal effectively with your bank/lender.

If you found the above information useful and would like a copy of the Foreclosure Free Zone go to http://www.foreclosurefree.blogspot.com Coach Pete is a Life Coach and author of several books included "The Bike of Life". Coach Pete uses his 60+ years of living to help his clients "ride" from the ordinary to the extraordinary visit http://www.onelifecoach4u.com

Article Source: http://EzineArticles.com/?expert=Pete_A_Turner

mike@avoidforeclosuretoday.info — Wed, 09 Jan 2008 09:52:38 PST

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mike@avoidforeclosuretoday.info — Sat, 29 Dec 2007 16:07:58 PST

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mike@avoidforeclosuretoday.info — Thu, 22 Nov 2007 12:06:19 PST

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mike@avoidforeclosuretoday.info — Sat, 10 Nov 2007 16:10:11 PST

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"You're About To Discover The Way I stayed out of foreclosure

And How this can Help you!

If you are 30, 60, 90, 120 days late you must read this!

This is 100% FREE!
Interest rates and fees vary between subprime lenders just like regular mortgage lenders. Just because you have bad credit, that doesn’t mean you should accept the first financing offer from a subprime lender. Take the time to do your research, and you can make sure you are getting the best deal in terms of interest rates and fees. It’s A Service Subprime lenders take risks that the average bank refuses, namely loans to people with bad credit. As a result, subprime lenders charge higher interest rates and fees to ensure they make a profit even with the higher rate of loan foreclosures. Compare Online The best way to compare interest rates and fees of subprime lenders is to go online. You can get a straight answer on rates and fees from a number of lenders by entering your information online. When you are comparing between lenders, remember to enter the same information for each lender so you are getting a quote for the same risk level. Rates And Fees VaryInterest rates and fees can vary as much as 5% between subprime lenders. While a few dollars a month may not seem much, over years this can mean the difference of thousands of dollars. You should also compare closing costs and other fees in the financing package which can also add up to hundreds of dollars. Apply Online Once you have compared companies and found the best lender for you, you can finish the process by applying online with the subprime lender. Mortgage lenders will process your information and send out the paperwork for your final approval and signature. The whole process can take a matter of days. Read Your Paperwork Whether you are refinancing or buying a home, make sure you know what type of deal you are getting into by reading the paperwork the subprime lender sends. If you have any questions, you can contact the lending company by email or phone. You can also take the paperwork to a lawyer to get their opinion. You should be comfortable with all the terms before you sign. Online subprime lending companies means people with bad credit can now find reasonable mortgage loans. To view our list of recommended bad credit or subprime mortgage lenders online, visit this page: Recommended Subprime Mortgage Lenders Online.

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mike@avoidforeclosuretoday.info — Sat, 13 Oct 2007 18:23:00 PDT

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Believe that you're enough!
If you believe that you're not enough," you'll validate that belief and create the reality that your don't have enough.

But if you believe that you're more than enough, you'll create more than enough in every part of your life.

You can get out of this अवोइड फोरेक्लोसुरे today

mike@avoidforeclosuretoday.info — Sat, 06 Oct 2007 17:31:04 PDT

"You're About To Discover The Way I stayed out of foreclosure

And How this can Help you!

If you are 30, 60, 90, 120 days late you must read this!

This is 100% FREE!
Login | Free Trial Home >> Stop Foreclosure STOP FORECLOSURE TODAY! Save your home from foreclosure. Get the help you need now! FREE CONSULTATION Even if your mortgage payments are 90 days or more behind, our program can get you caught up. Just fill out the simple form on the right and a foreclosure specialist from your area will contact you soon. We’ve helped hundreds of homeowners save their homes from foreclosure, and we can help you too. Get the help you need to: Avoid bankruptcy Protect your good credit rating Get current on your mortgage payments Safeguard your investment DON'T WAIT UNTIL IT'S TOO LATE! Contact Information First Name*: Last Name*: Address*: City*: State*: Zip*: Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachussetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Home Phone*: Work Phone*: Best Time to Call*: Email*: - Select - 08:00 - 09:00 AM 09:00 - 10:00 AM 10:00 - 11:00 AM 11:00 - 11:59 AM 12:00 - 01:00 PM 01:00 - 02:00 PM 02:00 - 03:00 PM 03:00 - 04:00 PM 04:00 - 05:00 PM Property Information Purchase Price*: Mortgage Lender*: Loan Type*: Monthly Payment*: Months Behind*: Can Afford Payment*: Company About Us Contact Us #1 Rated In the News Careers Training What's Next Webinars Community Blog Forum Testimonials Learning Center Articles FREE Newsletter e-Books e-Documents Coaching/mentoring Stop Foreclosure FAQs Tools Calculators FREE Email Alerts Lost Access Links Site Map Partners Affiliates Agents Nonprofits Government Services Lenders Real Estate Agents Real Estate Brokers Real Estate Agent Tools Privacy Policy | Terms and Conditions of Service © Foreclosure.com / ForeclosureFree
"You're About To Discover The Way I stayed out of foreclosure

And How this can Help you!

If you are 30, 60, 90, 120 days late you must read this!

This is 100% FREE!