HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what are you teling the bank?)
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Yes, I know it is because you don’t have the money… but that is not a reason that the bank wants to hear. The REASON why you don’t have the money is more important than the fact they you can’t pay—in the lenders’ eyes. They are looking for reasons which are acceptable to them: an acceptable hardship or circumstance which triggered your inability to send your scheduled payment. They do NOT want to hear that you had to bail your drunken brother out of jail. Again. Nor it is a good idea to tell them the trip to Vegas was one you had planned for the past 2years so you had to go. I had to buy Christmas presents because I have young kids is also NOT an acceptable hardship. We’ll cover for you what ARE acceptable reasons for being in default. You can be better prepared to defend your position and your need for help when you know what is and IS NOT acceptable. We’ve got you covered.
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A group of friends go on a cave adventure organized by their friend Juno, but she takes them to the wrong, unexplored cave where they get trapped. Sarah, the main character, notices an unknown creature in the cave but her friends do not believe her. As the creatures attack, the friends try to defend themselves and escape, but by the end Sarah is the only survivor, having reached a new equilibrium differing from the start with fewer people.
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HOM INtro #37: REALTORS®: Dare to Re-Define Yourself
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Vol. 04: PALM—Practical Applications of Loss Mitigation
It’s hard to make a choice about what to do if you don’t clearly know what your choices are. We want help by providing you with some basic information on the possibilities.
This one hour webinar is designed to give you clarity on the options you might consider if you are in default. Options for retention will be discussed as well the options if you are no longer able to afford your home and need to transition into other housing.
This webinar gives an overview of the most common options. For more details once you think you know which route you wish o take, we suggest you view one of the Intros about that specific option.
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$8,000 Tax Credit
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Intercepting and Preventing Foreclosure.
The document discusses options for homeowners facing foreclosure such as loan modifications, refinancing, or selling the home. It cautions homeowners to carefully review their loan documents to ensure they met the lender's qualifications and warns of potential foreclosure rescue scams. Homeowners are encouraged to audit their loan documents for potential fraud and stand up for their rights to prevent wrongful foreclosure.
Alternative Financing
The document discusses seller financing options for real estate transactions. It provides an overview of different types of seller financing agreements like contract for deed, lease options, and AITD. It also discusses the benefits of seller financing for buyers and sellers, as well as the importance of customizing agreements, educating parties, and obtaining proper legal advice for each transaction. The document encourages real estate agents to educate themselves and others on seller financing to expand their client pool and increase successful transactions.
Divorce Lending Dec
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The document discusses various options for homeowners facing foreclosure, including reinstatement, forbearance plans, selling the property, refinancing, mortgage modification, deed-in-lieu, bankruptcy, and pursuing a short sale. It notes that more than 70% of homeowners enter foreclosure without intervention and explains the foreclosure process and potential consequences of foreclosure and short sales like tax liabilities and credit impacts.
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Oltersdorf Realty Home Buying Presentation, Leelanau, Grand Traverse, Travers...
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Please take a moment to browse our detailed guide for homebuyers geared especially towards first time home buyers in the Traverse City region (Leelanau and Grand Traverse County). The combination of decreased home values, low interest rates, and federal incentives make this a very attractive time to purchase your first home or to be a move up buyer. Topics covered include: The current Traverse City real estate market, the buying process, buy vs. rent, tax incentives, home buyer credit, finding an agent, securing a loan, and protecting your investment. Please visit http://www.oltersdorf.com for additional information!Home buying jw presentation
The document provides instructions for customizing a Homefinding Guide PowerPoint presentation by replacing placeholder text with a buyer's personal information, sales professional's details, and closing cost amounts. It describes editing the presentation slides to add photos and resumes, then recommends deleting the instructions page once customized. The customized Homefinding Guide can then be used as a PowerPoint or printed version to guide home buyers through the process.
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The document provides information on foreclosure and alternatives to foreclosure such as reinstatement, forbearance plans, selling or renting the property, refinancing, mortgage modifications, deed-in-lieu, bankruptcy, and pursuing a short sale. It outlines national foreclosure statistics and details the short sale process, including working with a Certified Distressed Property Expert who can help negotiate with lenders and navigate the required documentation and homeowner responsibilities.
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The document discusses various financial challenges facing many people such as job and home losses, rising costs of health care and education, and unfulfilled retirement plans. It then describes credit restoration services that can help improve credit scores and remove negative items from credit reports. The document promotes a business opportunity to sell these credit restoration and identity protection services and earn commissions.
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HOM INtro #51: Buyer\'s Agent—A Different Game: Short Sale or REO Buyer
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Vol. 04: PALM—Practical Applications of Loss Mitigation
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10 Secrets to Successful Private Lending - July 2015
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HOM INtro #33: Why Are You Behind on Your Mortgage Payments? (At least, what are you teling the bank?)
- 1. Brought to you by: Home Ownership Matters Training Institute INtro #33 “ Your Real Estate Advisor”
- 2. Description: The goal of this intro is to cover for viewers how to explain the reason for their default in a way which is true but will increase their chances of getting help instead of guaranteeing that they lose their home. Some explanations are better than others, and while we never advocate that you misrepresent the facts—the truth of the matter is, that what you say can open doors or seal your fate. Watch your mouth! Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.
- 3. Explaining Your Default to the Bank... Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved. HINT: “I don’t have the money” is NOT the right answer! T R U E ...but definitely the WRONG answer.
- 7. A Picture is Worth a Thousand Words Has Always Been True... But, when you need a word, you need the RIGHT word(s) To get help with your mortgage default, you MUST PRESENT YOUR PROBLEM IN LANGUAGE THE BANK PEOPLE UNDERSTAND *Remember to present a true picture of your situation, since you will be required to provide documentation of whatever explanation you have given them. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.
- 9. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved. Partial List of Webinars Offered by HOM Vol 01: Getting to the Closing Table Vol 02: Is it Fraud or “just predatory”? Vol 03: Brokers: Are Your Agents Putting You at Risk? Vol 04: PALM—Practical Application of Loss Mitigation Vol 05: Secrets of a Professional BPO Vol 06: Fair Housing Vol 07: Seller is the Lender Vol 08: Short Sale: Not Your Typical Transaction Vol 09: Foreclosure Intervention: Why Do You Need a Specialist? Vol 10: Buying REO is Risky Business The BT Series Vol 11: Buying TIME—When Your Money is Running Out Vol 12: Mr. Smitherman—The Connection for Your Housing Situation Vol 13: Q W R—In Detail Vol 14: Foreclosure: a PROCESS & an EVENT Vol 15: Taking Charge of Your Housing Situation
- 10. HOM Disclaimer/Hold Harmless The material provided is deemed to be reliable and accurate at the time of publication. However, the subject matter is undergoing almost constant change and you should assume responsibility for current research on procedures, policies, guidelines and changes in the law concerning your housing situation. Trainer has relied upon such sources as the National Consumer Law Center but is NOT an attorney. This information is provided as a community service. Please seek legal counsel to address your specific mortgage or housing situation and to determine your rights and responsibilities. Home Ownership Matters, LLC and contributing author hereby disclaim any responsibility or liability which may be asserted or claimed arising from reliance upon the information provided. Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.
- 11. Survey You can take the survey online at: http://www.surveymonkey.com/s.aspx?sm=2M63rhnWI80dBfs72fg_2f_2fQ_3d_3d Or fax this to (Toll Free): (877) 587-4507 Name: _________________________________ Phone: _____________________ Firm Name (If Applicable): ______________________________________________ Address: _____________________________________________________________ City: ____________________ State: ____________ Zip: ______________________ E-Mail Address: _______________________________________________________ I would like to be added to the HOM Distribution List: ___ Yes ___ No I understand that my information will not be sold or shared with anyone other than HOM ---------------------------------------------------------------------------------------------------------- Please let us know if you have any questions or comments: ____________________________________________________________________________________ ____________________________________________________________________________________ ____________________________________________________________________________________ What would you like to see HOM do in the future? (Webinars, courses, e-mails, articles, etc): ____________________________________________________________________________________ ____________________________________________________________________________________ ____________________________________________________________________________________ Thanks for your input, we really appreciate it! Copyright © 2008. Home Ownership Matters, LLC. All Rights Reserved.