Save Your Home Options
•
0 likes•320 views
Options to save your house from foreclosure -Loan modification and restructuring - Check us out: See our VIDEO Presentations: www.SaveWithRealEstateAmerica.com
Report
Share
Report
Share
Recommended
Subprime crisis
This document discusses the subprime mortgage crisis. It defines a subprime mortgage as a loan granted to borrowers with imperfect or no credit history, often with interest-only terms. It then outlines the key institutions and steps that led to the crisis, including low interest rates, loose lending standards, securitization of risky loans, and widespread defaults that damaged the economy. Finally, it notes some remedies put in place after the crisis like the Dodd-Frank Act and new regulatory agencies.
Reverse Mortgages The Ab Cs
A reverse mortgage is a non-recourse loan for homeowners aged 62+ that converts home equity into tax-free cash payments. No loan payments are required until the home is no longer the primary residence. Common uses are supplementing income, estate planning, long-term care, or funding retirement home purchases. Eligibility requires primary residency in a home owned free and clear. The maximum loan amount depends on the homeowner's age, home value, and interest rates. Loan proceeds can be taken as a lump sum, monthly payments, line of credit, or combination. The loan becomes due when the last homeowner dies, sells the home, or does not live there for over 12 months.
NYSBA Understanding Residential Foreclosure
This document discusses standing and assignment in residential foreclosure cases. It summarizes the key players in the mortgage finance system, including originating lenders, secondary markets, servicers, investors, MERS, and the role of securitization. Securitization led to incentives for quantity over quality of mortgages and "creative" high-risk loan products. The process of slicing, dicing, and selling loans resulted in shortcuts and mistakes in loan documentation and assignment. Plaintiffs must prove they have standing by showing ownership of the note and mortgage at the time of filing. The note is a negotiable instrument that must be properly transferred, while the mortgage is governed by real estate law. Servicers' authority comes from pooling and serv
Staying Fair in Trying Times: Tips for Canceling a Hotel Meeting Contract
Staying Fair in Trying Times: Tips for Canceling a Hotel Meeting ContractDMAI's Destinations Showcase
This document discusses cancellation policies for hotel event contracts. It outlines the key differences between termination, which is caused by outside forces, and cancellation, which is a decision by one of the parties. While contracts often state there is no right to cancel, there is always a right to cancel with financial consequences. These consequences, or liquidated damages, aim to compensate the injured party for losses from the cancellation and must roughly approximate actual damages. The timing of cancellation affects how much revenue the hotel can resell. The document provides guidance on drafting clear and complete cancellation policies that consider both parties' potential losses.Introduction to Default
In finance, default occurs when a debtor has not met his or her legal obligations according to the debt contract
Role of Bail Bond in San Diego
A bail bond in San Diego is an agreement by a criminal defendant to appear for trial or pay the sum of money set by the court. The bail bond is consigned by the bail bondsman, who charges the defendant a fee in return for guaranteeing the payment.
Get Instant Funds Approval with No Dilemma!
Supple loans for bad credit are the finances you'll be capable to concern for once you are yawning in financial disaster. All those who have undergone the anguish of deprived debts have the aid from these plans. These plans are chiefly destined with take care of those whose credit score is very bad. @@@@ www.loanforbadcredits.net/contact-us.html
Credit crunch
The credit crunch was caused by a rise in subprime mortgage defaults in the United States that spread throughout the global financial system. Mortgage lenders sold many inappropriate mortgages to borrowers with low incomes and poor credit and bundled the debt into packages that were given inaccurate low-risk ratings and sold off. This led to widespread defaults when introductory interest rates expired and home prices fell, devastating mortgage lenders and causing banks to severely restrict lending, resulting in a dried up credit market globally.
Recommended
Subprime crisis
This document discusses the subprime mortgage crisis. It defines a subprime mortgage as a loan granted to borrowers with imperfect or no credit history, often with interest-only terms. It then outlines the key institutions and steps that led to the crisis, including low interest rates, loose lending standards, securitization of risky loans, and widespread defaults that damaged the economy. Finally, it notes some remedies put in place after the crisis like the Dodd-Frank Act and new regulatory agencies.
Reverse Mortgages The Ab Cs
A reverse mortgage is a non-recourse loan for homeowners aged 62+ that converts home equity into tax-free cash payments. No loan payments are required until the home is no longer the primary residence. Common uses are supplementing income, estate planning, long-term care, or funding retirement home purchases. Eligibility requires primary residency in a home owned free and clear. The maximum loan amount depends on the homeowner's age, home value, and interest rates. Loan proceeds can be taken as a lump sum, monthly payments, line of credit, or combination. The loan becomes due when the last homeowner dies, sells the home, or does not live there for over 12 months.
NYSBA Understanding Residential Foreclosure
This document discusses standing and assignment in residential foreclosure cases. It summarizes the key players in the mortgage finance system, including originating lenders, secondary markets, servicers, investors, MERS, and the role of securitization. Securitization led to incentives for quantity over quality of mortgages and "creative" high-risk loan products. The process of slicing, dicing, and selling loans resulted in shortcuts and mistakes in loan documentation and assignment. Plaintiffs must prove they have standing by showing ownership of the note and mortgage at the time of filing. The note is a negotiable instrument that must be properly transferred, while the mortgage is governed by real estate law. Servicers' authority comes from pooling and serv
Staying Fair in Trying Times: Tips for Canceling a Hotel Meeting Contract
Staying Fair in Trying Times: Tips for Canceling a Hotel Meeting ContractDMAI's Destinations Showcase
This document discusses cancellation policies for hotel event contracts. It outlines the key differences between termination, which is caused by outside forces, and cancellation, which is a decision by one of the parties. While contracts often state there is no right to cancel, there is always a right to cancel with financial consequences. These consequences, or liquidated damages, aim to compensate the injured party for losses from the cancellation and must roughly approximate actual damages. The timing of cancellation affects how much revenue the hotel can resell. The document provides guidance on drafting clear and complete cancellation policies that consider both parties' potential losses.Introduction to Default
In finance, default occurs when a debtor has not met his or her legal obligations according to the debt contract
Role of Bail Bond in San Diego
A bail bond in San Diego is an agreement by a criminal defendant to appear for trial or pay the sum of money set by the court. The bail bond is consigned by the bail bondsman, who charges the defendant a fee in return for guaranteeing the payment.
Get Instant Funds Approval with No Dilemma!
Supple loans for bad credit are the finances you'll be capable to concern for once you are yawning in financial disaster. All those who have undergone the anguish of deprived debts have the aid from these plans. These plans are chiefly destined with take care of those whose credit score is very bad. @@@@ www.loanforbadcredits.net/contact-us.html
Credit crunch
The credit crunch was caused by a rise in subprime mortgage defaults in the United States that spread throughout the global financial system. Mortgage lenders sold many inappropriate mortgages to borrowers with low incomes and poor credit and bundled the debt into packages that were given inaccurate low-risk ratings and sold off. This led to widespread defaults when introductory interest rates expired and home prices fell, devastating mortgage lenders and causing banks to severely restrict lending, resulting in a dried up credit market globally.
CDO/ CDS: System Based on False Premises
The invisible hand didn't cause the financial meltdown. The bogus belief, the bogus "complex" financial system, and the backing by credit rating agency, government, and AIG (and the like) caused the financial meltdown.
Points to consider when looking into debt consolidation
Vertuity Mortgage is Winnipeg's leader in debt consolidation, refinancing & mortgage services. Visit www.vertuity.ca today for more information on our services.
State Of California Debt Matrix Final
This document summarizes common debt structures used by state and local governments in California. It describes issuer, security, pledged revenues, examples, risks, and notes for:
1) State of California debt including general obligation bonds, lease revenue bonds, and revenue anticipation notes.
2) City and county debt including general obligation bonds, lease appropriation debt, and tax increment revenue bonds.
3) School district and community college district debt including general obligation bonds and lease appropriation debt.
4) Mello-Roos bonds which are special tax or assessment bonds issued by community facility districts to fund infrastructure for real estate developments.
Reaffirmation agreement?
This person filed for Chapter 7 bankruptcy and received a reaffirmation agreement from one of their creditors for a $500 credit union credit card debt. They only want to reaffirm their car loan and are unsure why this agreement was sent or if declining it will prevent the debt from being discharged. Their lawyer has also not been responsive to their calls regarding this issue.
Va Flyer
This document summarizes the benefits of VA loans for veterans, reservists, active-duty personnel, and surviving spouses. Some key benefits include no down payment requirement, no cash reserves or application fees required, and no monthly mortgage insurance premiums. Borrowers may also qualify to finance closing costs or pay off some consumer debt. VA loans can be used to purchase a primary 1-4 unit home or refinance an existing loan, with some restrictions. The document provides contact information for a loan officer at Effective Mortgage Company to learn more about VA loan qualifications.
Foreclosure Settlements
This document summarizes two major foreclosure settlements from 2011-2012. The Independent Foreclosure Review Settlement involved an independent review of foreclosures from 2009-2010 and affected 4.3 million eligible borrowers serviced by 27 institutions. The Multi-State Settlement of Foreclosure Misconduct was a $26 billion settlement with 5 large banks to provide relief to homeowners affected by improper foreclosure practices from 2008-2011. The settlements established funds for direct payments to affected homeowners, principal reductions, refinancing assistance, and support for state programs around foreclosure prevention and assistance.
The Credit Crunch
Presentation I gave to the investment partnership on 1/10/2008, almost 8 years ago. On the MBS/CDO/CDS markets
Mitria Wilson | Americans Underwater
This document discusses principal reduction for underwater mortgages. It presents opposing views that principal reduction amounts to a taxpayer bailout of reckless borrowers or a bank bailout. Alternatively, principal reduction could help address the foreclosure crisis by easing the burden on homeowners. However, others warn that principal reduction may encourage strategic default and create a moral hazard by rewarding past poor behavior. The document seeks to separate fact from fiction around these perspectives on principal reduction.
Debt after Death
This document discusses debt collection after death. It explains that creditors will attempt to collect any outstanding debts from the deceased's estate. As executor, a child is responsible for using estate assets to pay debts in a certain order, but not their personal funds. Debts do not transfer to children unless they co-signed loans. The document provides tips for handling debt, such as estate planning and downsizing assets while alive to pay down debt and protect what is left for heirs.
Funding Options: How You Can Get the Money You Need
Center Street Lending shares a presentation discussing how you can get the money you need for flipping homes.
Joint-Loans-For-Bad-Credit_-Get-Cash-Now-With-Bad-223
Joint loans allow two people with bad credit to apply together, which can strengthen the application and improve chances of approval. Borrowers with a history of late payments, bankruptcies or other credit issues may find it easier to qualify for financing by applying with someone who has a clean credit record. Lenders consider the combined income and credit profiles of all applicants when reviewing a joint loan application.
Brian Zwerner - Fixed Income Securities
Brian Zwerner is a managing principal based in Atlanta, Georgia who provides expertise in risk management for holders of fixed income securities. Fixed income securities guarantee regular payments through interest and return the principal at maturity, making them more reliable than stocks but with generally lower returns. Common types of fixed income securities include treasury and corporate bonds, as well as certificates of deposit and preferred stock, with bonds allowing buyers to loan money to issuers.
Reverse Mortgage Seminar
A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), allows homeowners aged 62 and older to convert a portion of the equity in their home into tax-free loan proceeds. The loan does not need to be repaid as long as the borrower lives in the home, and the borrower retains ownership and title. The loan is insured by the Federal Housing Administration so there is no risk to heirs if the loan balance exceeds the home value upon the borrower's passing. Borrowers must undergo counseling to understand the product but there are no restrictions on how the funds can be used. Qualification is based on age, home value and equity rather than income or credit history.
Wesban september 2011 newsletter
1) Home equity loans, also known as second mortgages, allow homeowners to borrow against the equity in their home. There are two main types - fixed-rate loans which provide a lump sum payment that is repaid over a fixed period at a set interest rate, and home equity lines of credit (HELOCs) which function like credit cards with a pre-approved spending limit.
2) While home equity loans offer lower interest rates than other types of consumer loans, the document cautions that they should only be used judiciously as relying on them for daily expenses could lead to overspending and debt issues.
3) The document provides a brief overview of government health care spending in the US
Microfinance
This document provides an introduction to microfinance. It discusses the nature of microfinance including microcredit and efforts to stimulate savings and insurance. It then summarizes the beginnings of microfinance through the Grameen Bank in Bangladesh. It also discusses some of the economic theories around group lending including adverse selection, moral hazard, and progressive lending. Finally, it discusses some challenges with group lending models and the potential for privatization of microfinance.
Hot Potato
Credit default swaps (CDS) provide insurance for loans by guaranteeing repayment if a borrower defaults. However, CDS only work well in good economies when defaults are rare. As the recession hit, many loans began defaulting, leaving insurance companies on the hook. But CDS had changed hands so often between companies that no one knew who ultimately insured which loans, similar to a house fire where the homeowner doesn't know their insurance provider.
Philanthropy Camp - August 2010
This document summarizes Ken Berger's presentation on charity evaluation at a philanthropy camp. It discusses how over 1 billion children suffer from poverty due to lack of basic needs, and how Charity Navigator aims to provide transparency and accountability for charities. Charity Navigator evaluates thousands of charities and influences billions in donations each year based on financial health, accountability, and effectiveness. Berger introduces Charity Navigator's plan to expand its rating system to provide more comprehensive evaluations and ensure social investments in charities keep pace with growing nonprofit programs and needs. The presentation emphasizes the importance of using both heart and head in philanthropy for real, meaningful, and lasting impact.
Goodfaithestimate2010
This Good Faith Estimate provides borrowers with estimates of settlement charges and loan terms for a potential loan. It includes:
1) Key loan details like the loan amount, interest rate, monthly payment amount.
2) Estimated settlement charges categorized into origination charges and other settlement service charges.
3) Information on prepayment penalties, escrow accounts, interest rate adjustments.
4) Instructions for comparing the GFE to the final HUD-1 settlement statement.
Good Faith Estimate (GDE)
This Good Faith Estimate provides borrowers with estimates of settlement charges and loan terms for a potential loan. It includes:
1) Key loan details like the loan amount, interest rate, monthly payment amount.
2) Estimated settlement charges categorized into origination charges and other settlement service charges.
3) Information on prepayment penalties, escrow accounts, interest rate adjustments.
4) Instructions for comparing the GFE to the final HUD-1 settlement statement.
New Good Faith Estimate for 2010 by HUD
Standardized Good Faith Estimate for home buyers nationwide required for all lenders by The Department of Housing and Urban Development (HUD) in 2010.
Présentation Weavlink
Et si l'authenticité et la transparence étaient les meilleurs moyens de développer votre image employeur ?
More Related Content
What's hot
CDO/ CDS: System Based on False Premises
The invisible hand didn't cause the financial meltdown. The bogus belief, the bogus "complex" financial system, and the backing by credit rating agency, government, and AIG (and the like) caused the financial meltdown.
Points to consider when looking into debt consolidation
Vertuity Mortgage is Winnipeg's leader in debt consolidation, refinancing & mortgage services. Visit www.vertuity.ca today for more information on our services.
State Of California Debt Matrix Final
This document summarizes common debt structures used by state and local governments in California. It describes issuer, security, pledged revenues, examples, risks, and notes for:
1) State of California debt including general obligation bonds, lease revenue bonds, and revenue anticipation notes.
2) City and county debt including general obligation bonds, lease appropriation debt, and tax increment revenue bonds.
3) School district and community college district debt including general obligation bonds and lease appropriation debt.
4) Mello-Roos bonds which are special tax or assessment bonds issued by community facility districts to fund infrastructure for real estate developments.
Reaffirmation agreement?
This person filed for Chapter 7 bankruptcy and received a reaffirmation agreement from one of their creditors for a $500 credit union credit card debt. They only want to reaffirm their car loan and are unsure why this agreement was sent or if declining it will prevent the debt from being discharged. Their lawyer has also not been responsive to their calls regarding this issue.
Va Flyer
This document summarizes the benefits of VA loans for veterans, reservists, active-duty personnel, and surviving spouses. Some key benefits include no down payment requirement, no cash reserves or application fees required, and no monthly mortgage insurance premiums. Borrowers may also qualify to finance closing costs or pay off some consumer debt. VA loans can be used to purchase a primary 1-4 unit home or refinance an existing loan, with some restrictions. The document provides contact information for a loan officer at Effective Mortgage Company to learn more about VA loan qualifications.
Foreclosure Settlements
This document summarizes two major foreclosure settlements from 2011-2012. The Independent Foreclosure Review Settlement involved an independent review of foreclosures from 2009-2010 and affected 4.3 million eligible borrowers serviced by 27 institutions. The Multi-State Settlement of Foreclosure Misconduct was a $26 billion settlement with 5 large banks to provide relief to homeowners affected by improper foreclosure practices from 2008-2011. The settlements established funds for direct payments to affected homeowners, principal reductions, refinancing assistance, and support for state programs around foreclosure prevention and assistance.
The Credit Crunch
Presentation I gave to the investment partnership on 1/10/2008, almost 8 years ago. On the MBS/CDO/CDS markets
Mitria Wilson | Americans Underwater
This document discusses principal reduction for underwater mortgages. It presents opposing views that principal reduction amounts to a taxpayer bailout of reckless borrowers or a bank bailout. Alternatively, principal reduction could help address the foreclosure crisis by easing the burden on homeowners. However, others warn that principal reduction may encourage strategic default and create a moral hazard by rewarding past poor behavior. The document seeks to separate fact from fiction around these perspectives on principal reduction.
Debt after Death
This document discusses debt collection after death. It explains that creditors will attempt to collect any outstanding debts from the deceased's estate. As executor, a child is responsible for using estate assets to pay debts in a certain order, but not their personal funds. Debts do not transfer to children unless they co-signed loans. The document provides tips for handling debt, such as estate planning and downsizing assets while alive to pay down debt and protect what is left for heirs.
Funding Options: How You Can Get the Money You Need
Center Street Lending shares a presentation discussing how you can get the money you need for flipping homes.
Joint-Loans-For-Bad-Credit_-Get-Cash-Now-With-Bad-223
Joint loans allow two people with bad credit to apply together, which can strengthen the application and improve chances of approval. Borrowers with a history of late payments, bankruptcies or other credit issues may find it easier to qualify for financing by applying with someone who has a clean credit record. Lenders consider the combined income and credit profiles of all applicants when reviewing a joint loan application.
Brian Zwerner - Fixed Income Securities
Brian Zwerner is a managing principal based in Atlanta, Georgia who provides expertise in risk management for holders of fixed income securities. Fixed income securities guarantee regular payments through interest and return the principal at maturity, making them more reliable than stocks but with generally lower returns. Common types of fixed income securities include treasury and corporate bonds, as well as certificates of deposit and preferred stock, with bonds allowing buyers to loan money to issuers.
Reverse Mortgage Seminar
A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), allows homeowners aged 62 and older to convert a portion of the equity in their home into tax-free loan proceeds. The loan does not need to be repaid as long as the borrower lives in the home, and the borrower retains ownership and title. The loan is insured by the Federal Housing Administration so there is no risk to heirs if the loan balance exceeds the home value upon the borrower's passing. Borrowers must undergo counseling to understand the product but there are no restrictions on how the funds can be used. Qualification is based on age, home value and equity rather than income or credit history.
Wesban september 2011 newsletter
1) Home equity loans, also known as second mortgages, allow homeowners to borrow against the equity in their home. There are two main types - fixed-rate loans which provide a lump sum payment that is repaid over a fixed period at a set interest rate, and home equity lines of credit (HELOCs) which function like credit cards with a pre-approved spending limit.
2) While home equity loans offer lower interest rates than other types of consumer loans, the document cautions that they should only be used judiciously as relying on them for daily expenses could lead to overspending and debt issues.
3) The document provides a brief overview of government health care spending in the US
Microfinance
This document provides an introduction to microfinance. It discusses the nature of microfinance including microcredit and efforts to stimulate savings and insurance. It then summarizes the beginnings of microfinance through the Grameen Bank in Bangladesh. It also discusses some of the economic theories around group lending including adverse selection, moral hazard, and progressive lending. Finally, it discusses some challenges with group lending models and the potential for privatization of microfinance.
Hot Potato
Credit default swaps (CDS) provide insurance for loans by guaranteeing repayment if a borrower defaults. However, CDS only work well in good economies when defaults are rare. As the recession hit, many loans began defaulting, leaving insurance companies on the hook. But CDS had changed hands so often between companies that no one knew who ultimately insured which loans, similar to a house fire where the homeowner doesn't know their insurance provider.
Philanthropy Camp - August 2010
This document summarizes Ken Berger's presentation on charity evaluation at a philanthropy camp. It discusses how over 1 billion children suffer from poverty due to lack of basic needs, and how Charity Navigator aims to provide transparency and accountability for charities. Charity Navigator evaluates thousands of charities and influences billions in donations each year based on financial health, accountability, and effectiveness. Berger introduces Charity Navigator's plan to expand its rating system to provide more comprehensive evaluations and ensure social investments in charities keep pace with growing nonprofit programs and needs. The presentation emphasizes the importance of using both heart and head in philanthropy for real, meaningful, and lasting impact.
Goodfaithestimate2010
This Good Faith Estimate provides borrowers with estimates of settlement charges and loan terms for a potential loan. It includes:
1) Key loan details like the loan amount, interest rate, monthly payment amount.
2) Estimated settlement charges categorized into origination charges and other settlement service charges.
3) Information on prepayment penalties, escrow accounts, interest rate adjustments.
4) Instructions for comparing the GFE to the final HUD-1 settlement statement.
Good Faith Estimate (GDE)
This Good Faith Estimate provides borrowers with estimates of settlement charges and loan terms for a potential loan. It includes:
1) Key loan details like the loan amount, interest rate, monthly payment amount.
2) Estimated settlement charges categorized into origination charges and other settlement service charges.
3) Information on prepayment penalties, escrow accounts, interest rate adjustments.
4) Instructions for comparing the GFE to the final HUD-1 settlement statement.
New Good Faith Estimate for 2010 by HUD
Standardized Good Faith Estimate for home buyers nationwide required for all lenders by The Department of Housing and Urban Development (HUD) in 2010.
What's hot (20)
Points to consider when looking into debt consolidation
Points to consider when looking into debt consolidation
Funding Options: How You Can Get the Money You Need
Funding Options: How You Can Get the Money You Need
Joint-Loans-For-Bad-Credit_-Get-Cash-Now-With-Bad-223
Joint-Loans-For-Bad-Credit_-Get-Cash-Now-With-Bad-223
Viewers also liked
Présentation Weavlink
Et si l'authenticité et la transparence étaient les meilleurs moyens de développer votre image employeur ?
Romano
Papa Noel o Santa Clauss es un viejecito bonachón de barbas blancas que festeja la noche de Navidad dejando regalos en los zapatos. La leyenda se origina en San Nicolás, obispo de Mira, quien alivió las necesidades de una familia dejando su fortuna en los zapatos junto a la chimenea. Los emigrantes holandeses llevaron la historia a Estados Unidos y cambiaron el nombre de Santerklaus a Santa Claus debido a dificultades fonéticas.
Semestral
Este documento presenta un resumen de los temas de álgebra que se abordarán en el primer semestre de un curso, incluyendo definiciones, ejemplos y problemas sobre sumas, restas, división algebraica, productos notables, factorización, fracciones algebraicas, ecuaciones lineales y de segundo grado. El documento contiene definiciones de estos conceptos algebraicos fundamentales y ejemplos ilustrativos de cada uno.
Diapositivas (alca)
El documento resume el Área de Libre Comercio de las Américas (ALCA), un acuerdo comercial propuesto en 1994 para eliminar gradualmente las barreras al comercio e inversión en las Américas. El ALCA tiene como objetivo establecer un área de libre comercio para los 34 países del continente americano, excepto Cuba. Sus principales objetivos son maximizar la apertura de mercados y eliminar barreras al comercio para promover la prosperidad económica en la región.
el miedo
El documento habla sobre diferentes tipos de miedos que las personas pueden experimentar, como el miedo a suspender un examen, a la oscuridad, a ser uno mismo, a la muerte, al amor, a la soledad y a las alturas. También menciona que muchos problemas tienen su raíz en el miedo y que el miedo puede desaparecer a través del amor, aunque el amor también nos da miedo. Finalmente, señala que todos podemos tener miedo a la violencia y que la violencia de género es un problema f
Terremotos (ady y j carlos)
Un terremoto es una sacudida del terreno producida por el choque y movimiento de las placas tectónicas, liberando energía acumulada. Puede medirse su magnitud usando la escala de Richter, que indica la energía liberada, o su intensidad usando la escala de Mercalli, basada en los daños causados. Los terremotos más grandes registrados han ocurrido en Chile, Alaska y Rusia, con magnitudes sobre 9 en la escala de Richter.
Andres 3
El documento describe el nombre "Andrés" que tiene dos silabas con la segunda silaba tónica y lleva tilde por ser aguda y terminar en s. El nombre es de origen griego y significa "hombre viril" y su día onomástico es el 30 de noviembre. El autor se llama Andrés porque su padre también se llama así y su madre hizo un trato con su padre de que si era niño se llamaría como él y si era niña se llamaría Ana Belén como su madre.
Redes sociales tarabjo final
Las redes sociales han cambiado la forma en que las personas se comunican y comparten información. Hoy en día, millones de personas usan herramientas de redes sociales como Facebook y Twitter para mantenerse en contacto sin importar la distancia. Las redes sociales también son importantes para los negocios y la sociedad en general al permitir el intercambio eficiente de información y romper barreras geográficas.
Reseller Hotelevolution.com.ar
Este documento presenta una propuesta para que los resellers se asocien con Grupo-E Marketing para ofrecer servicios de SEO y e-marketing. Los resellers pueden ganar comisiones referiendo clientes o vendiendo los servicios directamente bajo una marca blanca. Grupo-E ofrece varios niveles de servicios SEO, soporte dedicado, capacitación y pagos rápidos de comisiones.
Presentación nanofilología
El documento presenta una introducción a la nanofiología, que analiza expresiones literarias breves para dilucidar los fundamentos de la literatura a través de contextos históricos y culturales. Define conceptos como literatura, fractales, microficción y características del microrrelato como brevedad y concisión. Incluye ejemplos de microrrelatos de autores como Monterroso y Chejov.
Raymond Werlen (CRUS) - Les enjeux de l’information scientifique. Le point de...
Présentation de Raymond Werlen (Conférence des recteurs des universités suisses CRUS) lors du colloque infoclio.ch 2011 le 30 septembre 2011 à Berne.
Ecouter la conférence:
http://soundcloud.com/infoclio-ch/raymond-werlen
Les enjeux de l’information scientifique. Le point de vue de la CRUS
Un accès sans encombre et généralisé des hautes écoles suisses aux informations scientifiques disponibles à l’échelle internationale représente un enjeux majeur pour la compétitivité de la place scientifique suisse. Grâce à un réseau de bibliothèques universitaires qui fonctionne bien, la Suisse se trouve actuellement dans une position plutôt confortable en comparaison internationale. Mais le déplacement rapide de l’acquisition, du traitement, de l’échange, de l’archivage et de la diffusion de l’information de la forme papier vers les médias électroniques (internet) et vers des plateformes de données toujours plus importantes qui s’établissent en dehors du domaine de compétence traditionnel des bibliothèques représente un changement de paradigme qui concerne l’ensemble des chercheurs, des enseignants et des étudiants. Les conséquences de ce changement de paradigme sur le travail scientifique ainsi que les efforts de monopolisation des entreprises qui fournissent des informations scientifiques rendent nécessaire une mise en réseau plus étroite des hautes écoles suisses. Pour répondre aux défis qui en découlent, la CRUS prépare, sur mandat de la CUS, un Programme CUS 2013-2016 sur l'accès, le traitement et la sauvegarde de l'information scientifique. La présentation donnera un aperçu de l'état des réflexions au sein de la CRUS.
Viewers also liked (20)
Raymond Werlen (CRUS) - Les enjeux de l’information scientifique. Le point de...
Raymond Werlen (CRUS) - Les enjeux de l’information scientifique. Le point de...
Similar to Save Your Home Options
Repayment info
1. The document provides information on preparing for student loan repayment, including choosing a repayment plan, consolidating loans, making payments on time, contacting lenders if struggling, and avoiding default.
2. It advises completing exit counseling, knowing loan amounts and servicers, understanding grace periods, setting up online accounts, and communicating with lenders about address or contact changes.
3. Borrowers are warned that ignoring loans or failing to make payments for 270 days can result in wages being garnished, taxes seized, and damaged credit ratings, and advised to contact lenders if having trouble making payments to discuss options like deferment or forbearance.
Refinance
This document discusses how refinancing a home can help pay off credit card or other consumer debt, make home improvements, resolve adjustable rate mortgages, lower monthly payments, eliminate student or auto loans, and set up a retirement portfolio. It provides contact information for a mortgage lender who can help with refinancing and offers $400 off closing costs by showing a good faith estimate from another lender, which they will meet or beat.
Commercial Loan Workout & Advisory Asante Asset Group
This document provides information about commercial loan workout and advisory services. It discusses obtaining loan modifications such as interest-only payments, extended amortization schedules, and deferred or reduced mortgage payments. The document notes that commercial property owners experiencing financial difficulties due to the economic downturn are candidates for loan restructuring. It claims the service can help properties become cash flow positive again and reduce interest rates and debt levels at no upfront cost if monthly payments are lowered.
Creditram Brochure Red
This document summarizes the services of a credit restoration company. It offers to increase clients' credit scores by an average of over 50 points within six months by developing a personalized plan to address negative items on credit reports and educate clients on credit management. Key services include identifying credit goals, raising scores by disputing inaccurate or outdated negative information with credit bureaus and creditors, and monitoring progress to help clients qualify for loans, pay lower interest rates, and achieve their financial goals. The company claims a 70% average success rate in removing negative items from credit reports.
Avoiding Foreclosure
An explanation that helps distressed homeowners realize they still have options to avoid foreclosure.
Remington Senior Funding: Introduction to Reverse Mortgages
An Introduction to facts about Reverse Mortgages, including the most frequently asked questions and examples of how seniors are using Reverse Mortgages to supplement their income today.
So you want a mortgage loan seminar
So its the time for you to buy your first home and you need a mortgage. In this seminar learn about all of the options for a mortgage, and how you can qualify for a loan. We will cover all of the details and answer your questions. If you are a professional, this is the perfect seminar to help your customer learn about the mortgage loan process and we can customize it to your needs. Just contact us for details.
Short Sale Information
This document provides information about short sales and options for homeowners facing foreclosure. It discusses the short sale process in 4 steps: 1) gathering required documentation, 2) marketing the home, 3) presenting the offer to the bank which can take 1-4 months, and 4) closing once approved. It warns homeowners not to delay or ignore their situation, and outlines common reasons people face foreclosure like job loss or medical issues. The document emphasizes that the real estate agent can help negotiate with lenders to avoid foreclosure and formal legal proceedings.
Becoming A Homeowner
This workshop will help you gain a basic understanding of how the homebuying and home financing process works. So you’ll know what to expect and be better able to make informed decisions.
Saving family's
This document discusses various options for homeowners facing foreclosure, including reinstatement, forbearance plans, selling or renting the property, refinancing, loan modifications, deeds-in-lieu of foreclosure, bankruptcy, and short sales. It provides details on the short sale process, noting it can take 3-12 months and requires proving financial hardship, marketing the home for sale, and getting lender approval of any purchase offer. A short sale is presented as less damaging to credit than foreclosure and allowing homeownership sooner.
What Is a Hard Money Loan How a Hard Money Loan Works
Money lenders come in a variety of shapes and capacities & sizes. To comprehend “what is a hard money lender,” you must first understand the question “what is hard money lending.” It’s nothing more than a short-term asset-based loan backed by property as collateral, funded by alternative sources to more conventional financing. Hard money lending is essentially a non-traditional loan secured by real property. It seems to be asset-based financing in which the borrower obtains the funds that are secured by real property. They have been considered the loans of “last resort” but these days they have many uses, with one being short-term bridge loans primarily used in real estate transactions.
Asset Income Plan
The document discusses an "Asset Income Plan" that allows homeowners and business owners to access the equity in their property to earn quarterly income payments without debt, interest payments, or loss of title to the property. It involves placing a charge on the property that is assigned to insurance companies to help them increase capital reserves as required by EU regulations. This allows the insurance companies to afford paying the property owners a quarterly income in return. The plan aims to benefit both property owners and insurance companies.
Loans and project hard copy
This document provides information about a group presentation on loans and project appraisal given by six students to their professor. It defines what a loan is, discusses different types of loans including term loans, secured and unsecured loans, and home loans. It also outlines the features of term loans, types of restrictive covenants lenders place on borrowers, and how collateral like liens or mortgages can be used to secure loans.
Subprime Meltdown: From U.S. Liquidity Crisis to Global Recession
The document summarizes how loose lending standards for subprime mortgages, encouraged by government policies, led to a housing bubble and eventual financial crisis. It describes how banks took on risky loans but avoided liability by selling them to Fannie Mae and Freddie Mac through securitization. When housing prices fell and borrowers defaulted, the effects rippled through the global financial system due to the widespread distribution of mortgage-backed securities.
WLR Group Presentation
WLR Group is a consulting firm that specializes in helping homeowners obtain affordable loan modifications to avoid foreclosure through negotiating with lenders. They work directly with lenders and servicers to facilitate loan modifications, which typically involve verifying a homeowner's financial hardship and ability to pay, analyzing documentation for errors, and negotiating modifications that reduce payments, interest rates, or principal balances based on current home values. Their goal is to help homeowners keep their homes and stay in compliance with their modified loans through an intensive process that often requires dozens of phone calls and resubmitting documentation.
Loss Mitigation Flyer
This document provides information about foreclosure prevention services offered by MainStreet Capital Housing. It begins with a call to action to contact MainStreet for a free foreclosure prevention consultation. MainStreet employs certified counselors who will analyze the homeowner's situation and set up a plan to help avoid foreclosure. They have success in negotiating with lenders to stop foreclosures. The document then provides background on loss mitigation and various options it can involve like repayment plans, forbearance, loan modifications, and more to help homeowners avoid losing their homes to foreclosure. Contact information is provided to seek a free consultation.
A CEOs Guide to Business Banking
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
Good Faith Example Calculator
This document provides a Good Faith Estimate (GFE) of settlement charges and loan terms for a $294,566 loan with a 30-year term and 5% interest rate. The total estimated settlement charges are $13,501.44, including adjusted origination charges of $3,750 and charges for other settlement services totaling $9,751.44. The monthly principal and interest payment would be $1,713.98, not including amounts for taxes and insurance held in an escrow account. The interest rate can increase over the life of the loan but the loan does not have prepayment penalties or balloon payments.
Business Credit: Bottom-Line Profits and Beyond
More than half of all small business used some kind of business credit last year as working capital. Find out how you can manage exposure. Get solutions for your cash flow needs from Christine Janklow, president, SettleSource, Inc. and David Gass. president, Earn.com. Learn more at http://bit.ly/aHxjc0 .
A beginners guide to debt and debt relief
The document provides an introduction to budgeting and debt management. It discusses the differences between good debt and bad debt, with examples of each. Good debt includes mortgages and student loans, while bad debt includes credit card balances and vacation loans. The document offers basic budgeting tips to help avoid accumulating more bad debt, such as cutting back on small luxuries like daily coffee purchases. Managing existing debt requires prioritizing debts and focusing on paying off bad debt first through budgeting and debt repayment strategies.
Similar to Save Your Home Options (20)
Commercial Loan Workout & Advisory Asante Asset Group
Commercial Loan Workout & Advisory Asante Asset Group
Remington Senior Funding: Introduction to Reverse Mortgages
Remington Senior Funding: Introduction to Reverse Mortgages
What Is a Hard Money Loan How a Hard Money Loan Works
What Is a Hard Money Loan How a Hard Money Loan Works
Subprime Meltdown: From U.S. Liquidity Crisis to Global Recession
Subprime Meltdown: From U.S. Liquidity Crisis to Global Recession
More from Sergio Morgadinho
How Selling is Done
The document discusses different commission structures for real estate agents and advocates for lower commissions. It notes that traditional agents may not be motivated to sell a property if they receive the same commission regardless of who sells it. The document then presents different commission split options, including a tiered commission structure based on property value. It argues that paying agents a larger commission split makes a property more attractive to buyers' agents and can save homeowners thousands of dollars compared to a standard 6% commission.
Referral Program
The document promotes a referral reward program, encouraging customers to refer friends by email or phone call. By making a referral, customers have a chance to receive an unspecified reward. The process is described as simple, only requiring an email or call from the customer with their referral.
Community Business Directory
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Why Advertise with Real Estate America
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Local Directory Advertising
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
How We Work
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Lender Investor
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness and well-being.
Free Builder Marketing
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise stimulates the production of endorphins in the brain which elevate mood and reduce stress levels.
More from Sergio Morgadinho (20)
Recently uploaded
Sunrise Infra Properties Company Profile Pradeep.pdf
COmpany Profile of SunRise Infra Properties Pvt. Ltd.
Future of andhra pradesh real estate.pdf
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
Why is Revit MEP Outsourcing considered an as good option for construction pr...
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaon
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
Floople Real Estate Market in the UK - Current Trends and Future Prospects
Housing prices, rental rates, market demand, and investment trends
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptx
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
Selling your home can be easy. Our team helps make it happen.
Why hire one realtor when you can hire a team for the exact cost? Our team ensures better service, communication, and efficiency, which can make all the difference in finding your perfect home or securing the right buyer. See how we market homes for sellers.
The Slifkin Real Estate Team Listing Presentation
Selling your home can be easy. Our team helps make it happen. Download our listing presentation to see how we market homes for sellers.
Expressways of India: A Comprehensive Guide
India’s expressway network is a testament to the nation’s dedication to improving infrastructure and connectivity. These high-speed corridors facilitate seamless travel across vast distances, reducing travel time and fuel consumption
Gianluigi Torzi | Managing Director and Head of Capital Markets
Gianluigi Torzi is a prominent figure in the financial industry, known for his strategic leadership as Managing Director and Head of Capital Markets for the Middle East and Africa. Gianluigi Torzi extensive experience in investment banking equips him with the skills to navigate complex financial landscapes and deliver exceptional results for clients
Stark Builders: Where Quality Meets Craftsmanship!
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Living in an UBER World - June '24 Sales Meeting
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
Office Building for Sale - 2810 City View Drive, Madison, WI
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Listing Turkey - Piyalepasa Istanbul Catalog
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
SVN Live 6.17.24 Weekly Property Broadcast
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Recently uploaded (17)
Sunrise Infra Properties Company Profile Pradeep.pdf
Sunrise Infra Properties Company Profile Pradeep.pdf
Why is Revit MEP Outsourcing considered an as good option for construction pr...
Why is Revit MEP Outsourcing considered an as good option for construction pr...
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaon
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaon
Floople Real Estate Market in the UK - Current Trends and Future Prospects
Floople Real Estate Market in the UK - Current Trends and Future Prospects
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptx
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptx
Selling your home can be easy. Our team helps make it happen.
Selling your home can be easy. Our team helps make it happen.
Gianluigi Torzi | Managing Director and Head of Capital Markets
Gianluigi Torzi | Managing Director and Head of Capital Markets
Stark Builders: Where Quality Meets Craftsmanship!
Stark Builders: Where Quality Meets Craftsmanship!
Office Building for Sale - 2810 City View Drive, Madison, WI
Office Building for Sale - 2810 City View Drive, Madison, WI
Save Your Home Options
- 2. Qualification: Typically, you need to be in a position where you no longer can afford to make payments to your lender. You are basically getting behind with your mortgage payments. We can HELP Sudden hardship involving loss of income, or We will an immediate family death. negotiate with your lender to An increase of an adjustable rate mortgage avert further damages and Foreclosure threat from your lender obtain a mortgage plan Inability to obtain refinancing due to lack of that will work for substantial value in your home (lack of you. equity) We try to get late fees waived Inability to get refinancing due to damaged and obtain a personal credit payment that you can afford!
- 3. 1) Most recent pay stubs (for the past 30 days) 2) Last two months bank statements 3) Last two years W2’s or tax returns 4) Copy of current mortgage payment coupon 5) Any lender correspondence 6) Any legal correspondence from your lender 7) A letter stating your hardship 8) Documentation supporting your hardship (if job loss, letter indicating layoff, if sick provide a medical letter etc.) 9) Application with current financial information 10) Provide a letter indicating any and all efforts to work things out with your lender 11) A signed authorization for us to represent and communicate on your behalf with your lender (power of attorney)
- 4. IF YOU WANT TO GET OUT: A short sale will show your efforts to work with your lender and may help in the future when you try to re-establish yourself. It’s less expensive than a foreclosure and could get your property sold. It will decrease your exposure as well as the lender’s It’s the next step if a “Loan Modification” is not achieved with your lender
- 5. Consideration would normally be given after: 1) Having tried to refinance your mortgage 2) Having tried the Loan Modification process 3) Having tried a short sale Your efforts will help with your future credit.