Jan O'Brien - Real Estate Coach

Bank of America Signs on for HAMP Second Lien Program

2010-01-27T07:02:00-08:00

I was pleasantly surprised last Friday when I was reviewing the Making Home Affordable website for our Certified Short Sale Professional designation training. I noticed that Bank of America and Countrywide are now on the list of servicers who have have formalized their commitment to the program through a signed contract.

Recommended steps for homeowner to see if HAMP is a viable alternative to foreclosure:

Complete the quick online form on the eligibility page of Making Home Affordable
http://www.makinghomeaffordable.gov/eligibility.html
Determine if your lender is participating in HAMP by either looking them up on this page: http://www.makinghomeaffordable.gov/contact_servicer.html AND calling your lender to verify and discuss your options.
HAMP has a Request a Modification process - http://www.makinghomeaffordable.gov/requestmod.shtml. Recommend contacting your Mortgage Servicer first.

More news today regarding the Second Lien Modification Program. Bank of America is first servicer to sign up for the HAMP Second Lien Mod Program.... read more:

BofA Signs on as First Servicer of HAMP's Second Lien Program

Home Affordable Modification Program Admin Site explains:

The Second Lien Modification Program is a complementary program to the Home Affordable Modification Program designed for first lien mortgages. This Program is expected to reach approximately 1 - 1.5 million responsible homeowners who are struggling to afford their mortgage payments. The Second Lien Modification Program coordinates with HAMP's first mortgage modification program to lower payments on second mortgages and offer comprehensive affordability solutions for homeowners.

The guidelines of the Second Lien Modification Program are detailed further in: Download Sd0905Second LienMP

Making Home Affordable Program Deadline Extended to October 3, 2010
Treasury Secretary Timothy Geithner recently informed Congress that the Obama Administration is extending the Troubled Asset Relief Program (TARP) until October 3, 2010. As a result, the deadline for servicers to register to participate in the Making Home Affordable Program is extended from December 31, 2009, to October 3, 2010.

Related posts:

Our CSP designaton course covers all the latest information you need to know about short sales and other alternatives to foreclosure. Check out the current Training Schedule for dates, times and locations.

Negative Equity and Strategic Defaults - Will We Ever See Principle Reduction Loan Mods?

2010-01-26T17:40:30-08:00

Have you noticed a lot of recent press criticizing the HAMP program as short-sighted and delaying the inevitable onslaught of more foreclosures? The underlying theme is pointing to "negative equity" as a primary factor for homeowners "strategically defaulting" - ultimately deciding to let their home go to foreclosure or short sale.

In case you missed some of those recent articles and resources:

Amherst Securities testified before the House Financial Services Committee (12-8-09) - Download Amherst Securities Group - HAMP Testimony

Two main points from this report:
1. Single largest problem with housing market is negative equity.
2. Current modification program does not address negative equity and is destined to fail.

WSJ Development Blog (1-4-10) NY Fed: Most Successful Mortgage Modifications Reduce Borrowers’ Principal

Borrowers who receive loan modifications that reduce loan balances and not simply interest rates are far less likely to re-default on their loans, according to a new study from the Federal Reserve Bank of New York. Modifications that write down loan balances “can double the reduction in re-default rates achieved by payment reductions alone,” the study says.

Negative Equity Report for Q3 (Calculated Risk Blog 11-24-09)

Data Highlights

Nearly 10.7 million, or 23 percent, of all residential properties with mortgages were in negative equity as of September, 2009. An additional 2.3 million mortgages were approaching negative equity, meaning they had less than five percent equity. Together negative equity and near negative equity mortgages account for nearly 28 percent of all residential properties with a mortgage nationwide.

The distribution of negative equity is heavily concentrated in five states: Nevada (65 percent), which had the highest percentage negative equity, followed by Arizona (48 percent), Florida (45 percent), Michigan (37 percent) and California (35 percent).

Other articles/reports/studies:

White Paper Sees Strategic Defaults Rise with Negative Equity (12-08-09)
Strategic Default White Paper - Strategic_Default_White_Paper.pdf
Negative and Equity and Foreclosure - Negative Equity and Foreclosure.pdf
Moral and Social Constraints to Strategic Default - MoralandSocialConstraintsto_StrategicDefault.pdf
Subprime Mortgage Modification and Re-Default - Subprime Mortgage Modification and Re-Default.pdf

Become a Certified Short-Sale Professional - get the latest information regarding alternatives to foreclosures and processing short sales from A to Z.

Friday, February 19th, 2010 - 9:00am-5:30pm ~ Doors Open 8:30
Realty Executives 1903 S. Jones Blvd., #100, LV, NV 89146 (N of Sahara Ave.) MAP
REGISTER NOW for the February 19th Course

2009 Las Vegas Real Estate Market Report - Foreclosure and Short Sale Stats

2010-01-24T19:21:26-08:00

The Las Vegas real estate market may be showing signs of recovery.

The Greater Las Vegas Association of Realtors (GLVAR) released its local housing statistics for December 2009 with some interesting findings for the year.

According to GLVAR, sales of existing homes in Las Vegas were up 64% in 2009. GLVAR reported 46,879 local housing sales in 2009. That represents a huge spike from 28,618 total sales in 2008 and trails only the 71,963 homes sold during the record year of 2004. The increasing sales continue to be driven by low prices. GLVAR reports that the average single family home sold in the area in December 2008 was $204,000 in December 2008. By December of 2009, that number had fallen to $165,000.

To read the full report: PDF file Download 2009_12_Dec (released 1-8-10)

Single Family Residential closings for 2009 totaled 38,127 which is a 53% increase over 2008. Additionally, townhomes and condos saw another 8752 closings which represent a 137% increase over 2008.

Las Vegas Foreclosure Report for 2009

From RealtyTrac's Year-End 2009 Foreclosure Market Report™ :

... a total of 3,957,643 foreclosure filings — default notices, scheduled foreclosure auctions and bank repossessions — were reported on 2,824,674 U.S. properties in 2009, a 21 percent increase in total properties from 2008 and a 120 percent increase in total properties from 2007

More than 10 percent of Nevada housing units received at least one foreclosure filing in 2009, giving it the nation’s highest state foreclosure rate for the third consecutive year. Nevada foreclosure activity in December increased 27 percent from the previous month but was still down 22 percent from December 2008. Fourth quarter foreclosure activity in Nevada was down 37 percent from the previous quarter thanks to substantial decreases in October and November.

2009 foreclosure stats would have been worse but for initiatives to slowdown foreclosures from the Lenders as well as the by the Obama Administration - including HAMP (Home Affordable Modification Program) and alternatives to foreclosures like short sales.

GLVAR reported a total of 33,974 bank-owned residential properties for 2009.

Las Vegas Short Sales for 2009

According to the National Association of Realtors, almost 500,000 transactions in 2009 were short sales, representing almost 10 percent of all home sales.

In Las Vegas, a total of 5,422 residential properties sold and closed in 2009.

2009 Residential Closings Recap

The GLVAR 2009 report quotes a total of 46,879 local housing sales. However, the 3 individual graphs of residential closing for 2009 totals 47,084 (a 205 discrepancy - I am not certain why).

REO/Bank-Owned sales = 33,974 (72.2%)

Traditional residential sales = 7,688 (16.3%)

Short Sale Closings = 5,422 (11.5%)

Best Content Ideas for Real Estate Bloggers

2010-01-13T21:16:43-08:00

Are you considering starting a blog in 2010 for your Real Estate Business? Or maybe you have a blog and need a little inspiration, some new ideas to spark your writing.

Researched and served up from me to you - Your Real Estate Coach - some of the best posts I've found on blog content ideas for real estate bloggers:

Chris Brogan - If I were a Realtor Read this right-to-the-point post as well as the comments. Its about connecting with the community, being a local source about your area. It's not about you and selling.

NikNik (My Tech Opinion) - 30 Blog Post Ideas To Keep Your Content On A Roll

Print this post out for great ideas and keep it with you. Use this list and the next one from the Real Estate Tomato to start your Blog Post Idea Notebook. Carry this notebook around with you. When you get ideas, ad them to the list. If you pay attention, you will become aware of things to blog about daily.
I absolutely agree with and recommend NikNik's technique - I keep a blog notebook, sorted by my different blogs/topics and schedule time in my calendar to blog.
I’ve found the best way to maintain regular blog posts and fight “blogger’s block” is by creating a content posting plan. This is really nothing more than making an on-going list of content or story ideas from which you can pick and choose to create posts from. If you want to take it a step further, you could schedule time to write, as well as “read & research”.

Teresa Boardman - Real Estate Tomato - Food for Fodder - 101 Real Estate Blog Topics

...the trick is to take every day experiences, based on these topics and weave them into a post.
Teresa is an excellent blogger who has mastered the art of blending photos, real estate and community in her St Paul Real Estate Blog.

And two more good posts fom the RE Tomato:

Recommended marketing, tech, social media blogs for the Real Estate Industry to bookmark, subscribe to and READ...

Blog & Social Media Training Class

Kathryn Bovard and I are teaching our 3 Hour Nevada CE class "Blogging & Social Networking for Business" on Friday, February 12, 2010.

Approved by the Nevada Real Estate Commission

3 Hours Continuing Education (PD) CE.3706000-RE

Next Class Date: Friday, February 12, 2010, 1:00 to 4:00 pm
Download the class flyer: Blog Class Flyer Feb 12, 2010

Location: Robb & Stucky Community Room, (Town Square Las Vegas • At I-15 and the 215 Beltway )

Address: 6521 Las Vegas Boulevard South, Las Vegas, NV 89119
View Mapquest

$45 in advance; $55 at the door
Register online at: http://business-blog-consultant.com/register/

Best Lifehacks of 2009: The Year in Review - Personal Productivity and Creativity Excerpt

2010-01-05T22:02:31-08:00

Dustin Wax of Stepcase Lifehack posted this Best of 2009 - I am highlighting the Productivity and GTD links in this post. Read the comprehensive blog post with 90 Best Links at Lifehack.org.
Personal Productivity and Creativity
Advice about getting productive makes up the core of Lifehack’s content, so naturally our most popular and most talked about posts this year were just that. From developing the right mindset to promoting creativity to finding inspiration and motivation, we offered tons of advice on getting things done.

12 Lists That Help You Get Things Done (Dustin M. Wax)

Procrastination – NOT a Problem! (Francis Wade)

10 Best Productivity Books of 2009 (Dustin M. Wax)

11 Ways to Think Outside the Box (Dustin M. Wax)

8 Ways to Kill Clutter in 5 Minutes (David Pierce)

Reaching Your Goals – Dutch Style (Christine Buske)

New Year’s Resolutions Don’t Work – Here’s Why (Steve Errey)

How to Make Decisions Under Pressure (Joel Falconer)

Limits and Creativity (Dustin M. Wax)

The Daily Grind: A Matter of Momentum (Joel Falconer)

4 Pocket-Sized Tools to Help You Generate Killer Ideas Any Time, Anywhere (Chuck Frey)

How to Think What Nobody Else Thinks (Paul Sloane)

9 Lists To Keep Updated, and Keep Handy (David Pierce)

10 Reasons Paper is The Most Flexible Productivity Platform (Joel Falconer)

3 Tips to Improve Memory Quickly (Steve Martile)

How to Wake Up and Instantly Achieve Something Everyday (Paul Dickinson)

Stripped GTD: 3 Habits That Make You More Productive (David Pierce)

Ten Great Ways to Crush Creativity (Paul Sloane)

Scoring 100% in Time Management (Francis Wade)

7 Steps For Making a New Year’s Resolution and Keeping It (Annabel Candy)

My incomplete series on getting back on track with a productivity system, “GTD Refresh”, was quite popular but was never completed. The next step for me was supposed to be eliminating my email backlog and adopting an “Inbox Zero” approach, but frankly, email won. This year – I’m going to try again in 2010 and so you may well see more “GTD Refresh posts in the not-too-distant future.

GTD Refresh, Part 1: Getting My Head Together

GTD Refresh, Part 2: Contexts and Calendar

GTD Refresh, Part 3: Projects

GTD Refresh, Part 4: Getting Sorted

GTD Refresh, Part 5: Building the Weekly Review Habit

GTD Refresh, Part 6: Decisiveness

2009 was bookended by two publications with something to offer the would-be personal productivity expert. David Allen’s Making It All Work revisited the core concepts of GTD and expanded on elements that had been weakly developed in his earlier work. You can read my lengthy review here: (Part 1) (Part 2) (Part 3)
And our most popular series, my “Back to Basics” posts from 2008, were collected, revised, and expanded (with 2 new chapters) in the release of Back to Basics Productivity which will be joined in 2010 by several more ebook releases.

via lifehack.org

Posted via web from jan obrien's posterous

FREE Virtual RE BarCamp is 1-4-10; Social Media & Tech All Day Mega-Webinar

2010-01-03T08:57:06-08:00

I attended the first amazing REBarcamp in San Francisco, August 2008 - held prior to the Inman Connect. REBarcamp is now Virtual and still FREE and it's TOMORROW - January 4, 2010.

If you want to seriously get a jump start on how to integrate Social Media into your Real Estate Business --- sign up now!

Educating Real Estate Agents On How To Use Modern Technologies To Better Their Business Will Never Be The Same!

On January 4th, 2010 dozens of the most respected educators in the real estate industry converge to host most exciting event of its kind, the Virtual Real Estate BarCamp.

Virtual Real Estate BarCamp is a 1-Day Learning Extravaganza.
From 9am until 4pm PST, three concurrent webinar "rooms" will each host 7 different sessions, for a total of 28 different presentations.
There is something for everyone and everything for someone, and best of all, IT IS FREE and attendance is unlimited!

Click below to:
Register.
Learn more.
See who is coming.
Check out the Session Calendar.
Get sponsorship info.

Attendance is projected to be at least 1000 agents, nationwide.
Do not miss out on being part of this ground-breaking event.

Potential Session Topics Include:

Facebook for Real Estate
Twitter 101
Driving Quality Traffic to Your Website
Beginning Search Engine Optimization
Advanced SEO
Getting Started with WordPress
Advanced WordPress Techniques
Using Flickr for Real Estate
Using YouTube for Real Estate
LinkedIn Business & Referral Strategies
Selecting an IDX Company
Single Property Websites
Getting the Most Out Of Your Mobile Devices
The iPhone and Real Estate
Photoshop for Real Estate
Video Blogging
Video Listings
Advanced Twitter Tips
Preparing to Start a Real Estate Blog
Google Analytics and Traffic Statistics

...and much more, with new sessions being added every day.

And if that wasn't cool enough, individuals from around the country are volunteering to host In-Real-Life MeetUps for after the event.
Learn all day, and then meet to have a beer with local participants. This is going to be a blast!

We hope to see you there!

2009 in Music - Music Mashups by DJ Earworm

2009-12-29T14:43:27-08:00

Last year I posted a 2008 Year in Review - and discovered DJ Earworm - creator of brilliant video and song mashups. From his About page… Basically, what I do is take a bunch of songs apart and put them back together again in a different way. I end up with tracks called mashups, which I post to this website."

Visit his website and checkout all the great mashups - you can also download the MP3s.

Here is the latest mashup from DJ Earworm: United States of Pop 2009, with the Top 25 most popular songs according to Billboard:

The Black Eyed Peas - BOOM BOOM POW
Lady Gaga - POKER FACE
Lady Gaga Featuring Colby O’Donis - JUST DANCE
The Black Eyed Peas - I GOTTA FEELING
Taylor Swift - LOVE STORY
Flo Rida - RIGHT ROUND
Jason Mraz - I’M YOURS
Beyonce - SINGLE LADIES (PUT A RING ON IT)
Kanye West - HEARTLESS
The All-American Rejects - GIVES YOU HELL
Taylor Swift - YOU BELONG WITH ME
T.I. Featuring Justin Timberlake - DEAD AND GONE
The Fray - YOU FOUND ME
Kings Of Leon - USE SOMEBODY
Keri Hilson Featuring Kanye West & Ne-Yo - KNOCK YOU DOWN
Jamie Foxx Featuring T-Pain - BLAME IT
Pitbull - I KNOW YOU WANT ME (CALLE OCHO)
T.I. Featuring Rihanna - LIVE YOUR LIFE
Soulja Boy Tell ‘em Featuring Sammie - KISS ME THRU THE PHONE
Jay Sean Featuring Lil Wayne - DOWN
Miley Cyrus - THE CLIMB
Drake - BEST I EVER HAD
Kelly Clarkson - MY LIFE WOULD SUCK WITHOUT YOU
Beyonce - HALO
Katy Perry - HOT N COLD

And I absolutely LOVE this Mashup of Annie Lennox songs....

2009 Year in Review - A Year of Change & Adjustment

2009-12-29T12:04:26-08:00

For me, 2009 was all about change and adjusting to that change. Personally, I made a major career change in July when I resigned as General Manager at Prudential Americana Group, REALTORS to pursue my passion for coaching and training on my own. Many people thought I was out of my mind to leave the security of a great position in a successful company in the middle of the worst economic downturn and recession since the Great Depression.

It was the best decision for me and at a perfect time. I am happy to be doing what I talked about for years...finally! I am living my passion. I look forward to an amazing 2010 - on all levels.

While I was googling 2009 year in review listings, several themes emerged for me:

The economy, recession, housing crisis, bailouts, recovery, stimulus plans...and the polarity. Crisis brings out the best and, unfortunately, the worst in people.
Power of Social Media in our lives:
1. Twitter and the Iran Protests - Election
2. Overall explosion of Twitter (News, TV personalities, Businesses...)
3. Facebook has over 350 million active users
We, as a collective culture, feed on the drama and the tragedy ...and the media loves to serve it up 24/7...
1. Reality TV shows
2. Octomom
3. Jon & Kate plus 8
4. Sarah Palin
5. Bubble Boy
6. Tiger Woods
7. Ft Hood Massacre
8. Michael Jackson
9. .... just to highlight a few events and trends

How about a couple of positive highlights... from my perspective:

Susan Boyle story was one for me. Amazing, brilliant, uplifting, emotional, inspirational, a true wake-up call and lesson for us all to take that chance and to not let anything or anyone hold you back. Over 100 million views on YouTube. Here's a link to the video on YouTube - embedding has been disabled. Susan Boyle - Singer - Britains Got Talent 2009

Her debut album is amazing... Get it!
I Dreamed A Dream

From Billboard (12-23-09): "I Dreamed a Dream" has now sold a total of 2,465,000 copies and is the second-best selling album of 2009. Only Taylor Swift's "Fearless" -- with 2,933,000 sold -- is standing in its way. And with two weeks left in the 2009 tracking year, anything is possible.

Check out this documentary - "Susan's story so far".

President Barrack Obama. Wonder what our world would be like if we all focused on progress and took action steps TOWARD what we wanted rather than continue to spew or buy-in to the negativity, hate and criticism? Change is only going to happen when we all decide to do something about it...not the politicians... the people. I voted for and continue to support and believe in Obama's leadership. I also know it is going to take time, patience and right action to get there.
Miracle on the Hudson. Captain Chesley Sullenberger, known as "Sully," was the epitome of "Calm Under Extreme Pressure". For the first time in 50 years of commercial jet flight, the pilots of US Airways Flight 1549 successfully executed one of the most technically challenging maneuvers, landing a jetliner on water without fatalities.

Listen to his voice on this air traffic control tape and watch the animated recreation of the incident:

A look back at events of 2009 ... the highs, the lows, the in-betweens.

Time - The Top 10 Everything of 2009

Yahoo - 2009 Year in Review

And, finally, if you haven't seen this Annual Video yet from JibJab (the same people who bring you the Dancing Elves videos)....Enjoy:

Home Affordable Foreclosure Alternatives Program (HAFA) Guidelines

2009-12-24T14:11:16-08:00

The following is a re-posting of the recent article from Realtor.org on the newly released guidelines for the Home Affordable Foreclosure Alternatives Program (HAFA) with added commentary from me :)

On November 30, 2009, the Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA). HAFA is part of the Home Affordable Modification Program (HAMP). HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on a loan eligible for modification under the HAMP program. Servicers participating in HAMP are also required to comply with HAFA. A list of servicers participating in HAMP is available at MakingHomeAffordable.gov. NOTE: Not All Loan Servicers are participating!

HAFA applies to loans not owned or guaranteed by Fannie Mae or Freddie Mac, which will issue their own versions of HAFA in coming weeks.

HAFA is a complex program, with 43 pages of guidelines and forms, designed to simplify and streamline use of short sales and deeds-in-lieu of foreclosure.

Download the official document: Download Hampupdate122309

HAFA:

Complements HAMP by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home.
Uses borrower financial and hardship information already collected in connection with consideration of a loan modification. This is why it is so important for real estate professionals to understand ALL alternatives to foreclosures! See my recent posts on Understanding Alternatives...
Allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds). Hopefully this will speed up the lengthy process everyone has been experiencing for final short sale approval. Are you a CSP yet? Check upcoming course dates.
Prohibits the servicers from requiring a reduction in the real estate commission agreed upon in the listing agreement (up to 6 percent). Yeah!
Requires borrowers to be fully released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed). A welcomed relief for Nevada homeowners...Deficiency Judgment issues will be the biggest impediment to successful short sale closings as homeowners and real estate agents are better educated.
Uses standard processes, documents, and timeframes/deadlines. Have not seen the forms / standards as of yet...
Provides financial incentives: $1,500 for borrower relocation assistance; $1,000 for servicers to cover administrative and processing costs; and up to $1,000 for investors for allowing a total of up to $3,000 in short sale proceeds to be distributed to subordinate lien holders (on a one-for-three matching basis).

The program does not take effect until April 5, 2010, but servicers may implement it before then if they meet certain requirements. The program sunsets on December 31, 2012.

Press Release, HAMP Update—New Program Offers Borrowers Foreclosure Alternatives

Supplemental Directive 09-09, Introduction of Home Affordable Foreclosure Alternatives—Short Sale and Deed-in-Lieu of Foreclosure

Understanding Alternatives to Foreclosure... Updates on Loan Modifications under HAMP and the new HAFA guidelines

2009-12-20T12:17:14-08:00

Real Estate Professionals... are you staying informed and updated on the developments and guidelines regarding all alternatives to foreclosures in order to assist homeowners?

My recommended approach to serving your clients who are dealing with their own housing crisis and/or economic downturn is to be the conduit of information. Provide options and possible solutions as well as recommendations to other experts and professionals to help each individual make their best decision.

One of your initial qualifying questions is to ask the homeowner... "Do you want to keep/stay in your home?"

If the answer is yes, then consider recommending that the client...

Contact their loan servicer to see if they qualify for a loan modification under HAMP or another program
Visit the www.MakingHomeAffordable.gov website to learn more about HAMP (Home Affordable Modification Program)
Learn about their rights under the new Nevada legislation concerning the Nevada Foreclosure Mediation program (http://www.nevadajudiciary.us/index.php/foreclosuremediation)

If your client is unable to get loan modification, then a short sale may be an option for them. I encourage you to get educated on the short sale process if you haven't already done so. Steve Kitnick and I teach the CSP (Certified Short-Sale Professional) designation course in Las Vegas at least monthly. You can check the schedule and register for an upcoming course right here on this blog or at Steve's site: NevadaCE.com.

Here are some more resources, recent articles and news regarding Short Sales & Loan Modifications:

A link to an article on the new Treasury Guidelines for Short Sales (HAFA):
Treasury Releases Guidance for Making Home Affordable Short Sales

Great news...read all the details...download the official supplement from the Treasury...Not so good news..

Not effective until April 5, 2010. Unless participating servicers want to opt in early!

MakingHomeAffordable.gov website is a MUST read/review. It's loaded with all the information regarding loan mods under the HAMP program.... Who is eligible, Is the Loan with Fannie or Freddie, How to request the Loan Mod, etc.

Did you know?......(from the site):
A wide array of servicers have agreed to participate in the Home Affordable Modification program and have already engaged borrowers and expanded capacity to begin the modification process for eligible homeowners. In addition, all servicers for loans owned by Fannie Mae and Freddie Mac are required to participate. The following is a list of servicers who have formalized their commitment to the program through a signed contract:

Search for Your Mortgage Servicer: show all servicers

Other recent articles of interest:
Quarter of HAMP Mods in Default Again
Industry's Mortgage Workouts Exceed Completed Foreclosures, HOPE NO...
Bank of America: 2/3 of Borrowers May Lose Government Mods ....of the 65 thousand trial modifications set to expire Dec. 31st with B of A, a full two thirds of the borrowers, while current on their payments, have not submitted the full documentation required to turn a trial mod permanent under the HAMP guidelines.

I highly recommend subscribing to...

Links for 2008-11-29 [del.icio.us]

2008-11-30T00:00:00-08:00

Lifehacker Top 10: Top 10 Ways to Stay Energized

Links for 2008-11-24 [del.icio.us]

2008-11-25T00:00:00-08:00

Ping.fm / Update all of your social networks at once!

Links for 2008-09-29 [del.icio.us]

2008-09-30T00:00:00-07:00

Links for 2008-09-26 [del.icio.us]

2008-09-27T00:00:00-07:00

The Foreclosure Investing Web Guide: 100 Useful Resources | International Listings Blog

Links for 2008-09-22 [del.icio.us]

2008-09-23T00:00:00-07:00

Technorati: State of the Blogosphere 2008

Links for 2008-04-26 [del.icio.us]

2008-04-27T00:00:00-07:00

DreamHost : Login
DreamHost.com - Providing scalable Linux-based web hosting, domain registration, and dedicated servers. Offering PHP4, Perl/CGI, MySQL, Miva Merchant, SSL, RealMedia, and much more!

Links for 2008-04-22 [del.icio.us]

2008-04-23T00:00:00-07:00

Facebook | Blog It
Facebook is a social utility that connects people with friends and others who work, study and live around them. People use Facebook to keep up with friends, upload an unlimited number of photos, share links and videos, and learn more about the people they