FL Mortgage » bankruptcy

What You Need to Know About Mortgage-Backed Securities – FL Foreclosure Defense Lawyer Steve Kramer

admin — Sun, 22 Jan 2012 10:14:07 +0000

http://www.cflforeclosure.com

Florida foreclosure defense attorney Steve Kramer examines what you should know about mortgage backed securities and how it affects your foreclosure.

Foreclosures can be a very complicated thing. To add to that confusion, banks don’t keep your loans they are possibly sold off again and again. While you signed a loan with Bank A, you may find down the road you’ve been with Bank C, D, E, and so on. Your loan is like a signed check that can be passed around. When a bank gets a bunch of these loans, they tie them up together and sell them off as a mortgage backed security. When you begin to get foreclosed on, we need to find out who truly owns the property and work from there. Mistakes happen, even electronic ones from big banks. You may be getting sued for foreclosure from someone who doesn’t even hold the note to your house anymore. Watch the video now to learn more.

For more information about foreclosure law and my firm, visit our educational website at http://www.cflforeclosure.com, where we help you through these difficult topics and defend your home. If you have legal questions, I want you to call me at (877) 493-4847. I welcome your call.

The Kramer Law Firm
Attorneys & Counselors at Law

Main Office
999 Douglas Avenue, Suite 3333
Altamonte Springs, FL 32714
407.834.4847

Tampa Office
8875 Hidden River Pkwy, Ste 300
Tampa, FL 33637
813.975.7463

Downtown Orlando Office
37 N. Orange Avenue, Suite 500
Orlando, FL 32801
407.834.4847

Duration : 0:4:13

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Specific Abuses by Mortgage Lenders that Brookstone Law’s Legal Panel has Uncovered…

admin — Sun, 15 Jan 2012 02:52:51 +0000

For more information please visit http://www.Brookstone-Law.com or call Brookstone Law today! 1-800-304-1538.

Brookstone Law
4000 MacArthur Blvd., Suite 1110
Newport Beach, California 92660

http://www.Brookstone-Law.com

Duration : 0:5:28

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Bankruptcy Interview – Jim Normand and Maureen Higham

admin — Tue, 10 Jan 2012 08:10:19 +0000

Attorney Jim Normand and Attorney Maureen Higham talk about bankruptcy and answer some common questions about the process.
Bankruptcy could stop harassing phone calls from creditors and save your house, car and pension plans.
Your family deserves a fresh start. It is time to speak to a Bankruptcy law professional to understand your rights.
While many individuals are embarrassed with the thought of having to file bankruptcy, you may owe it to your family and yourself to have a second start in life. Many of our clients are surprised at how affordable and quick the process is. New Hampshire state laws and federal bankruptcy laws control the rights and obligations of individual debtors as well as the creditors. In New Hampshire you can usually keep your house by filing a reaffirmation with your first mortgage bank. You usually can keep your car and begin to develop credit again.

Duration : 0:7:52

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mortgage secrets for real estate investors:Real Estate Investing Training Video Wholesale Deal

admin — Sat, 10 Dec 2011 17:27:22 +0000

http://vzturl.com/dm24
A step-by-step guide on how to take control of the Mortgage process and A glossary of terms that you absolutely need to know to understand mortgages!…….http://vzturl.com/dm24

HAFA guidelines.wmv

admin — Sat, 22 Oct 2011 22:43:29 +0000

Because so many million homeowners across the United States are struggling to make their mortgage payments and facing foreclosure, the US Treasury Department under Making Home Affordable implemented the Home Affordable Foreclosure Alternatives Program (HAFA). Effective April 5, 2010, HAFA offers incentives to homeowners, investors, and loan servicers to complete a short sale or deed in lieu of foreclosure. The incentives for homeowners include receiving $3,000 in relocation costs and avoiding foreclosure.
Not all homeowners qualify. The HAFA program applies to homeowners who:
1. do not qualify for a trial mortgage modification under the Making Home Affordable Program;
2. do not successfully complete the trial period for their modification;
3. miss at least two consecutive payments during their modification period; or
4. request a short sale or deed-in-lieu of foreclosure.
In addition, the property must be the homeowners primary residence, the first mortgage must have been obtained prior to January, 2009, loans balances cannot exceed $729,750, and the homeowners monthly principal, interest, taxes and insurance must exceed 31% of their gross monthly income.
Mortgage servicers participating in the Making Home Affordable Program (HAMP) must evaluate homeowners for a Home Affordable Modification before evaluating them for other options as well as implement the Home Affordable Foreclosure Alternatives Program (HAFA).
Some limitations under HAFA include the bank pre-approving short sale terms (the servicer can dictate price before the home can list it), the deficiency will be reported to the IRS, the servicer may still deny the short sale, VA and FHA loans are excluded, and investor properties are excluded.
For more information, visit the Making Home Affordable website or call a real estate attorney for more information. At the law office of PEARSON & BUTLER, our Utah attorneys offer free consultations to Utah homeowners struggling to make their house payments and trying to decide what to do. Dont be a victim: know your rights. Call a foreclosure attorney today to learn what options may be available to you. We may be able to help you stop foreclosure and help you know what options are available under HAFA, HAMP, Making Home Affordable, and bankruptcy.

Duration : 0:3:44

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Oz Title West Palm Beach FL Real Estate Debt Relief

admin — Tue, 18 Oct 2011 01:16:03 +0000

If you’re moving up in the world, the attorneys at Oz Title of West Palm Beach can get you there. Experts in real estate law, they can walk you through the process of getting a second mortgage, real estate closings, refinancing, or landlord and tenant relations. Whatever your real estate legal needs, the wizards at Oz Title will be there every step of the way.
Visit us http://www.yellowpages.com/info-451059473/Ozment-Drake?from=youtb

Duration : 0:1:18

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Clermont FL Mortgage Modifications Attorney Lake County Interest Principal Reduction Lawyer Florida

admin — Fri, 30 Sep 2011 01:12:13 +0000

Bankruptcy attorney Joel L. Gross of Clermont Florida works exclusively in the area on bankruptcy. He helps people keep their homes by assisting them with mortgage modifications to reduce payments.

Duration : 0:1:4

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Foreclosure Help : About Government Programs to Stop Foreclosure

admin — Mon, 19 Sep 2011 05:40:15 +0000

Check with the Federal Housing Administration for government refinancing programs that will help in refinancing a mortgage and lowering the interest rate on a monthly mortgage payment. Get help in making mortgage payments with help from a civil mediator in this free video on foreclosure law.

Expert: Robert Todd
Bio: Robert Todd is the managing partner and president of Robert M. Todd, P.A. and Family Law Solutions.
Filmmaker: Christopher Rokosz

Duration : 0:1:34

Technorati Tags: bankruptcy, banks, foreclosure, foreclosure help, foreclosure law, legal issues, legal proceedings, lenders, mortgages

Real Estate Marketing – Mortgage Meltdown, Fraud and Scams – Part 7

admin — Sat, 13 Aug 2011 21:53:48 +0000

http://realestatemarketingthisweek.com – Real Estate Marketing – Foreclosure Rescue Scams and How to Protect Yourself – With Michael J Barnes, Brett Fallon and Dan Havey of Real Estate Marketing This Week

Part 7 – The Foreclosure Sharks, you have written this book or I think it’s called a white paper. Free report whatever you want to call it its packed full of really good and interesting information. It’s called The Foreclosure Sharks – A look at the rampant theft of Americans homes through foreclosure rescue scams.

And folks I have to tell you I think we’re going to spend the next week, the majority of the show talking about what the heck is going on out there. And what you need to do to protect yourself in case you should happen to be against this problem. You really need to know what your options are. This free report is available online at http://mortgageanswerman.com. You have got to get this. The information is really good, and one of the taglines that you have here Dan is, Theres blood in the water and the sharks can smell it.

Right. What made me actually write this was a number of years ago I had been working with people in foreclosure for years, and it was just a way to let them know what was going to be going on once the foreclosure was filed against them. Now in many cases, these people were already experiencing what was going on.

And again I’ve recently had a friend or two go through foreclosure and I had them collect all of the paperwork that they got from all of the foreclosure guys out there trying to help them sell their house or do whatever it was, and I was surprised at how thin the stack was. This one gal in particular, lives in Scottsdale in a very nice house and she didnt have more than maybe 6 letters. In the past, a couple of years ago, especially at the peak of the market, when somebody was in a foreclosure situation they would have seriously a stack 6 inches thick.

People would be knocking on their door 24 hours a day, calling them, dropping off stuff. There were cars driving by all the time and it really got to be a nuisance. And frankly I think it hurt the home owner and their standing in a neighborhood, with all of that traffic and of course everybody knew that they were having problems. So that is why the report was originally written and why I wanted to talk about it today because of all the foreclosures going on in the market right now.

Now let me ask you a question, you are saying that two years ago if I were in a foreclosure my mail box would be chock-full of marketing products. Youre telling me now that there is virtually none?

Well I think that part of it is that back then there was financing available to be able to come in and refinance the people. I certainly myself did dozens of loans, at least, to bail people out of bankruptcies and foreclosures, and also people had equity back then. Property values were continuing to go up. I forget how many scams I pointed out here in the book, I think there are 18 or something in here, and most of them are essentially people attempting to get your house away from you, either refinance it, sell it for you, take a lease option, there are all kinds of different scams involved, but I think the reason we see so much less of it today is because there is so much less equity. So if you are upside down by $300,000 in your house, i dont care how good of a scammer you are, you are not going to make a lot of money off that.

But there are a couple of scams going on right now that I want to talk about because there are a couple of things that happened just recently that harkened me back to when I first got started in real estate here in Arizona in the late 1980s. I was selling repos for Fannie Mae, Countrywide, and the Resolution Trust Corporation, which was in charge of selling off all of the real estate owned for the 1,800 or so Savings and Loans that failed in the late 1980s early 1990s. There were so many scams going on then, I mean we had just tons of vacant houses we were selling, and one of the big scams that I thought was actually being perpetrated on a friend of mine the other day is a little something known as rent skimming… http://realestatemarketingthisweek.com/foreclosure-rescue-scams-and-how-to-protect-yourself/

Duration : 0:6:36

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How to Stop Foreclosure – Foreclosure Program

admin — Sat, 09 Jul 2011 08:49:03 +0000

http://www.BankMortgageSecrets.com/ How to Stop Foreclosure – Foreclosure Program. The Step By Step Procedure to Save Your Home From Foreclosure Tells You How to Stop Foreclosure. This Foreclosure Program Can Change your Life.

Duration : 0:5:45

Technorati Tags: avoid foreclosure, bankruptcy, foreclosure, Foreclosure Program, foreclosure rescue, Home-Loan, loan, loan modification, loan mortgage, Loss-Mitigation, mortgage, Mortgage-Modification, Short-Sale, stop foreclosure