http://www.coreycohen.com 407-246-0066 When you’re facing a federal charge, you’re looking at a lengthy loss of your liberty. The attorneys at the Law Office of Corey I. Cohen understand the federal courts system well.
Duration : 0:0:36
The Emergency Homeowners Loan Program will offer a zero interest, forgivable bridge loan to homeowners who have experienced a substantial loss of income (a reduction of at least 15%) due to unemployment or underemployment caused by adverse economic conditions or medical condition. Approved homeowners are eligible to receive one-time EHLP assistance to pay certain arrearages to bring them current, as well as ongoing monthly assistance to help them to make their monthly first lien mortgage payments (including payments of principal, interest, taxes, and insurances). Assistance is limited to a maximum duration of 24 months, or up to a maximum loan amount of $50,000 in mortgage payment assistance, whichever occurs first. The EHLP loan is secured by a junior lien against the approved homeowner’s principal residence and is forgivable over a 5-year principal reduction period.
For homeowners–making mortgage payments is a must to keep your house, but if you’re in danger of foreclosure, a new federal program could help. It’s called the Emergency Homeowners Loan Program (EHLP), and it could be the extra push that people need to prevent foreclosure.
Duration : 0:1:59
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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I have had it with the way the world is beginning to turn out. The more thing “change” the more they stay the same. If we are to survive as an intact species real-authentic change must occur and that starts simply with the individual whose thoughts & actions will reflect into society and begin to change the whole of humanity, but not before the individual changes themselves. Saying, “I believe” or “I am born again,” or “I am Saved,” is no longer enough we need more then professions by lips. We need actions and change that is permanent, not fleeting and flees at the 1st sign of difficulty or temptation.
The goal of my work is as follows:
1. Shatter the Left/Right paradigm by dismissing any remaining doubt that there is a difference between Democrats/Republicans. They have successful run a train on the American people by playing the old good cop/bad cop routine for years. One side will run as far towards tyranny as the people will allow, only to “Hand the Baton Off” to the other on the far side of the elections.
2. Shatter the paradigm that the Constitution never was relevant & now that the “president” can unilaterally declare a US citizen a terrorist, order his assassination, without judicial review, legislative oversight, or administrative appeal. This is proof that the 5th & 14th Amendment right to life liberty, & property reads as void, and no constitution is worth anything, if one is not alive to enjoy its restraint of the state, period.
3. Shatter the paradigm that we have a functional court/justice (JUST-US) system in the US.
5. Shatter the paradigm that the “Republic” is able to be saved. Sorry folks there never was a republic, so it is beyond being saved by Democrats, Republicans, Tea Party Patriot, Truthers, Constitutionalists, etc… It was never ours to begin with:
“But, indeed, no private person has a right to complain, by suit in court, on the ground of a breach of the Constitution. The Constitution, it is true, is a compact, but he is not a party to it. The States are the parties to it. And they may complain. If they do, they are entitled to redress. Or they may waive the right to complain.”
-Padelford, Fay & Co. vs. The Mayor and Aldermen of the City of Savannah. 14 Georgia 438, 520
The Constitution was ordained and established by the people of the United States for themselves, for their own government, and not for the government of the individual States…The people of the United States framed such a government for the United States as they supposed best adapted to their situation and best calculated to promote their interests.
-John Barron v The Mayor and City of Baltimore 32 U.S. 243 (1833)
7. Shatter the paradigm that if we can just get rid of the bad guy, even if we have to use violence, everything is going to be good. It is an incontestable fact that one become the polar opposite of what they resist to the degree that they hate the object of their scorn. Being consumed with hatred for someone trying to take your freedom is the mirror, exact in every way (but opposite of, think the left hand is the mirror image of the right, but they are not the same) of someone trying to fight for freedom. One is fighting to impose the freedom of the state, the other trying to impose the freedom over the state. There will never be a victory in opposition. The only victory will come in synthesis, and transcending the illusory of duality. For more information please see: http://gnosticteachings.org/
Lastly, I wanted to decode the number 666.
In tarot the 6th Major Arcana is Indecision. We have 3 main centers of consciousness in the body, the head, the heart, and the sex. We have filthy minds, filthy hearts, and filthy sexual drives. We have not made the decision to be true to our higher self. As such, we have 6 in the head/mind, 6 in the heart/emotion, and 6 in the sex/sexual impulse.
For more information on this, and more than can be covered in a lifetime visit:
http://gnosticteachings.org/
Together we can make a change.
Together we can make a difference.
Duration : 0:3:49
Today, Attorney General Martha Coakley filed final, revised mortgage broker and mortgage lender regulations with the Secretary of State and has issued official guidance to the broker and lender community to help them understand and implement the new consumer protection regulations governing mortgage brokers and lenders. The regulations, which take effect on January 2, 2008, codify several forms of mortgage fraud and unfair lending which contributed to the recent meltdown in the subprime market and the resulting foreclosure crisis in the Commonwealth.
Duration : 0:5:10
http://realestatemarketingthisweek.com – New Fannie Mae Streamline Loan Modifications may do more harm than good
Part 5 –
We do realize that there are situations that people are in that they want to be out of and we want to move past. We have back in the studio, the author of Real Estates Future also the author of The Foreclosure Sharks white paper, a fantastic manual that he has put together that you can get for free. Dan Havey thank you very much for coming back. You can get a copy of the white paper The Foreclosure Sharks at http://mortgageanswerman.com.
So Dan I know that you have brought the just recently released new Fannie Mae, Freddie Mac guidelines, with their streamlined modification process. This is the kind of thing where the consumer can go and do-it themselves, right?
Yes, except that we would certainly advise against that. These are the guidelines that Fannie Mae came out with; they are effective as of a couple weeks ago now. But with Christmas and the holidays I dont think a whole lot of people have figured out what this is all about yet. So as we said in the last segment the guidelines that they have come out with here, and what I have is a print out but I dont know that this is the whole thing because I have heard some commentary on this that actually says that it is much worse then I am about to relay to everyone on the air.
I am just going to pick out a couple points about this and then I will let Michael laugh about them because some of these things are just crazy in the fact that it doesnt really help the home owner and I also dont think it is going to move us past the conditions we have to get people some really good loan modifications, the kind of loan modifications that we are talking about where you actually employ an attorney to help you with your loan modification.
The reality of it is we need to get through this mess we dont need to stave it off, push it out further and in my opinion that is what this does. That is exactly what is going on here, there was an article I was reading by Fitch, which is one of the major bond rating firms and that is exactly what they said. They said that the alt-A arms are all coming back to roost now, I think the default rate was over 14% on all alt-A arms, being at least 90 days past due. And the comment in the article was something like, well we havent really seen a lot of losses from it yet and then it said in a caveat at the end, and we think its because they are not really foreclosing on any of these guys yet, so that is why they havent seen any losses. Well if you keep pushing it off into the future eventually you are going to have to see some of these losses.
We have the same thing here with Fannie Mae, which I think it is just another band-aid; it is not going to really solve the problem. First what they have here, and this one is pretty benign, that once they give you the new mortgage payment you have a three month trial period. If you make the payments during that trial period they let you keep the modification. So that one is not so bad.
The next one says that the qualified borrower cant be in litigation, bankruptcy, or have an existing work out plan, and you have to be at least 3 months behind or in foreclosure in order to be eligible for this streamline.
Ok I get to comment right? SO basically what Fannie Mae and Freddie Mac just told everyone, according to this that I am reading right here, Fannie Mae and Freddie Mac just told you to be 90 days late on your mortgage. That is exactly right, they said that the only way they were going to be able to help you was to be 90 days late on your mortgage.
So I have been, over the past several months, heck Dan you helped us put together the package, you are the cofounder of the modification hotline and I am on the radio every week when we do a little blip about load mods from time to time, saying dont trust anybody who tells you to be late on your mortgage. First of all no loan professional, no mortgage professional, no loan modification specialist will tell you to be late on your mortgage, however, Fannie Mae and Freddie Mac just said you need to be at least 90 days late on your mortgage if you want them to help you.
Duration : 0:6:53
http://stopforeclosurefraud.com/
WE WILL WIN…WE ARE GETTING CLOSER…ONE LAYER AT A TIME. …I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles.
Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference.
Law Offices Of David J. Stern PA in Plantation Florida Roger Stotts
Dennis Kirkpatrick
These people are ALL over the US pulling this crap
Do searches on them and all and see what you can find out to save your home.
Judge Dale Ross in broward gave my home to IndyMac Bank (Property Managers) and when I tried to speak he rolled his eyes and said “What Difference Does it make”?????? He pre-judged me and this is not his job… The difference is the courts are aiding & abetting FRAUD. Yes Google his name and we will see how his peers enjoy him. I did NOT have a fair trial. I was raped from my RIGHTS as a citizen.
Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all.
These are some excellent resources. YOU ARE NOT ALONE. IT IS NOT YOUR FAULT OUR GOVERNMENT FAILED US.
We have just scratched the surface. Wait to see what is at the CORE.
Duration : 0:1:48
Federal Investigators say they have busted up a huge mortgage fraud ring in the Sacramento area.
Duration : 0:1:47
http://RealEstateMarketingThisWeek.com – What is a Short Sale? – Short Sale experts discuss How to Negotiate to Stop a Foreclosure… http://www.youtube.com/watch?v=kIQ4-b3KnbU
- Short Sale and Loan Modifications; great alternative to Foreclosure –
Kalyn Roberts and Jeri league, welcome to the program. Jeri and Kalyn are short sale experts and have graciously decided to come to the program to discuss some of the short sale important things that people do need to know, and were going to get to all of this short sale information, but a couple of things important to mortgage interest rates. Today is a fantastic day in the mortgage rate world. Leslie and Staci at Velocity Financial were kind enough to put together a scenario for us so listen to this folks.
This is not the teaser, this is not the loss leader, this is the real deal as of today, a $417,000 loan amount, the interest rate is 4.875%, thats 4.875% that is below 5% obviously, the APR is 4.948% and that is for a no cash out loan, and that is a special rate and we have a certain allotment of loans that were allowed to do at that special rate. If youre interested in talking to a member of my staff or myself or anyone else about that program you would call. There are people there standing by to take your phone call.
Were a local licensed firm and one of the only 15% of the mortgage companies in the state of Arizona that is licensed to do FHA loans as well. Any mortgage related needs that you have were here to help but for the next hour were going to be talking about Short Sales.
Now over the last several months we have been talking about loan modifications on the show a lot, Velocity Financial was one of the first companies to work with a national network of attorneys, a 16 year old firm that were working with. They have done thousands of these loan modifications, and the loan modification industry in Arizona is for the most part unregulated, but you want to make sure youre working with a licensed firm, and you want to make sure youre utilizing an attorney.
You dont want to be giving money to anybody that says they can get you a loan modification, the only money you give is to an attorney, dont be giving money to people who come by and say they can help you out. Youre going to have to be very careful on how you handle that, but interestingly enough the loan modification is for the mortgage side, essentially the loan modification is to the loan officer what a short sale would be to a realtor.
Now the short sale part of real estate is not something you want to trust to somebody starting out doing short sales, unless they are being supervised by a pro, you dont want to mess around with it. This is not a time to be trying it out, this is not a time for people to be using you as their guinea pig, not a good idea at all.
That is why we brought Jeri and Kalyn in and were going to talk about some of the specifics. You definitely want to make sure that if you need to do a loan modification, if youre facing foreclosure or you want to do a short sale, whatever scenario is the better decision for you and your family, you have got to work with a professional, Jeri and Kalyn have extensive experience, they have an unbelievably great success rate.
It doesnt have to take six months to get this done they can execute this for you and they are the pros so were going to go through some questions over the next hour, there is just one more thing I want to talk about and that is if a loan modification is something you think you need call the office and we have put together a video for you that you can watch, its very short, it explains the process and we will then get together with you and answer any questions that you have… http://realestatemarketingthisweek.com
Duration : 0:5:36
http://stopforeclosurefraud.com/
Here I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles. Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference.
Law Offices Of David J. Stern PA in Plantation Florida Roger Stotts
Dennis Kirkpatrick
These people are ALL over the US pulling this crap
Do searches on them and all and see what you can find out to save your home.
Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all.
If you need help PLEASE GO TO:
http://www.foreclosurehamlet.org/
http://livinglies.wordpress.com/
http://4closurefraud.org/
These are some excellent resources. YOU ARE NOT ALONE. IT IS NOT YOUR FAULT OUR GOVERNMENT FAILED US.
We have just scratched the surface. Wait to see what is at the CORE.
Duration : 0:9:5