Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
Step by step process to buying a home. Everything you need to know from making the offer, to getting the proper inspections, the paperwork, and closing process.
Mike Hall
Http://www.myohiohouse.com
614-937-4162
Now is a great time to take advantage of the low rates on our home equity lines of credit. BB&T can help provide the funds you need to make improvements to your home, take care of planned or surprise
BENEFITS AND SAVINGS YOU WILL ENJOY:
■ No origination fees or appraisal fees*
■ Quick turnaround time, minimal paperwork
and local closings
■ Flexible payment options
■ A fixed option feature allowing a fixed term,
rate, and payment on all or a portion of
your line
■ Interest may be tax-deductible**
Call or stop by your local financial
center today to find out more!
expenses, or save money by consolidating debt.
Advocate for Fair Lending - Save your home (english)Mark Shoemaker
Advocate for Fair Lending is a organization dedicated to helping you keep your dream alive of owning your own home. We are in the business of helping home owners that are trapped in their mortgages. We can reduce your payments, interest and principal balance without refinancing your home.
Herramientas de monitorización de la rentabilidad de las explotaciones: la ap...Feiraco
I Xornada Técnico Económica: A producción láctea en clave económica.
Negreira, 22 de marzo de 2013.
Vídeo de la ponencia: http://www.youtube.com/watch?v=cFOCwBqGUDA
Ponencia a cargo de Esperanza Orellana, subdirección general de Productos Ganaderos del Ministerio de Agricultura, Alimentación y Medio Ambiente.
Now is a great time to take advantage of the low rates on our home equity lines of credit. BB&T can help provide the funds you need to make improvements to your home, take care of planned or surprise
BENEFITS AND SAVINGS YOU WILL ENJOY:
■ No origination fees or appraisal fees*
■ Quick turnaround time, minimal paperwork
and local closings
■ Flexible payment options
■ A fixed option feature allowing a fixed term,
rate, and payment on all or a portion of
your line
■ Interest may be tax-deductible**
Call or stop by your local financial
center today to find out more!
expenses, or save money by consolidating debt.
Advocate for Fair Lending - Save your home (english)Mark Shoemaker
Advocate for Fair Lending is a organization dedicated to helping you keep your dream alive of owning your own home. We are in the business of helping home owners that are trapped in their mortgages. We can reduce your payments, interest and principal balance without refinancing your home.
Herramientas de monitorización de la rentabilidad de las explotaciones: la ap...Feiraco
I Xornada Técnico Económica: A producción láctea en clave económica.
Negreira, 22 de marzo de 2013.
Vídeo de la ponencia: http://www.youtube.com/watch?v=cFOCwBqGUDA
Ponencia a cargo de Esperanza Orellana, subdirección general de Productos Ganaderos del Ministerio de Agricultura, Alimentación y Medio Ambiente.
Understanding your mortgage options as a home buyer is the first step to home ownership. With millions of lenders that offer millions of solutions, who do you pick. In this presentation, we will help clear some of your options.
From a Sept. 2009 Making Home Affordable meeting where a rep from the U.S. Treasury went more in depth on the HAMP and HARP programs along with representatives from Freddie and Fannie
Understanding home loan eligibility criteria.pptxAvinashTyagi15
Qualifying for a home loan is like unlocking the door to your dream home! But before you start house hunting, understanding home loan eligibility is key.
Visit : https://www.pnbhousing.com/home-loan-eligibility-calculator/
2. About Us
Hope for Homeowners , LLC was established to help
home owners:
Facing Foreclosure
Have an ARM (adjustable rate mortgage)
Upside down i.e. owe more than house is worth
Experienced A Financial Hardship
Desire a Lower Monthly Payment
Wahl & Ribadinera PLLC, Legal Representation
Combined 24 years experience in the residential
mortgage and real estate markets.
3. Our Services
Represent You & Work As Your Advocate Through
This Process
Forensic Review & Audit Of Your Loan Documents
Structure A Financial Package Based On Our
Experience With Your Specific Lender
Prepare A Proposal & Submit To Lender
Leverage Our Contacts Within The Loss Mitigation
Dept of Lender. To Expedite The Process
Negotiate To Obtain The Best Possible Outcome
Bring A Proposal
4. The Process
• Request Loan File
• Financial Analysis
• Proposal
• Submission
To Lender
• Lender Review
• Follow up
Negotiation • Proposal
• New Documents
Documents
5. Why it works
Lenders do not want to foreclose on your home.
Lender’s want you to keep your home
It is very expensive to foreclose on a property
New government initiatives have been designed to
stop foreclosures
This helps to stabilize home values & markets
Turn a non performing loan into a performing asset
creates value for the lender
7. Examples
Currently 3 months behind, with now unaffordable
ARM of 11.25%
Lender: Chase
Negotiated offer – rate reduction to 2.25%, 5yr fixed, 4.25% for
remaining 25 years
Currently on time with now unaffordable 7.375% rate
Lender: Aurora
Negotiated offer – rate reduction to 4% for remaining 24years
– fixed rate
These are results of dedicated hard work, negotiating experience, and good
working relationships with the lenders & servicers. Results will vary.
8. Examples
Currently on time with rate scheduled to adjust
drastically
Lender: Countrywide
Negotiated offer – rate locked at 5.25% for 30 years.
Currently on time with now unaffordable rate of
8.625%
Lender: Countrywide
Negotiated offer – rate reduction to 4.25% for 7 years.
Payment savings of 1180.00 per month
These are results of dedicated hard work, negotiating experience and good working
relationships with the lenders & servicers. Results will vary.
9. Retail Cost Breakdown
First Mortgage: 2050.00
First & Second
Same Lender: 2350.00
First & Second
Different Lender: 2800.00
Forensic Audit: 550.00 per loan
10. How The Marketing Promotion Works
Our company takes the money it would otherwise
invest in retail marketing and passes on a discount to
our promotional clients
By passing on the savings to the client it allows our
company to market “organically” via referral and
word of mouth – which has proven to be our most
efficient marketing method.
11. Marketing Promotion
Participation requires agreeing to the following:
1. Price protection
2. Allow us to use your modification as a case study
3. Allow us to use you as a reference for future retail
customers.
4. Providing referrals
12. Promotional Pricing
Retail
First Mortgage: 2050.00
First & Second
Same Lender: 2350.00
First & Second
Different Lender: 2800.00
*includes forensic audit
Promotion
First Mortgage: 1225.00
First & Second
Same Lender: 1375.00
First & Second
Different Lender: 1500.00
Average Savings of 40%
*includes forensic audit
13. Unconditional Price Guarantee
As a promotional client we guarantee the price. In
the event that you are able to find another company
that will provide the same service for less that our
promotional price we will refund you the difference.
With our unconditional price guarantee you can be
confident you are getting the very best value
14. Payment In Full Payments
Check
Cash
Money Order
Credit Card
5% Surcharge
Minimum of ½ down
& balance within 30
days
Payment Options
15. Getting Started
Documents
Last months paystubs
Last 2 years W2’s or Tax Returns
Last Months Bank Statement
Last Months Mortgage Statement(s)
Financial Worksheet & Package
Agreement to participate in promotion