Default mortgage servicers face a daunting array of regulatory and operating challenges, making a unified default servicing platform an excellent option. We weigh the pluses and minuses and assess build vs. buy considerations.
Default mortgage servicers face a daunting array of regulatory and operating challenges, making a unified default servicing platform an excellent option. We weigh the pluses and minuses and assess build vs. buy considerations.
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
Unit one of Floyd Saunders' Personal Money Management Seminars - Learn the basics of budgeting and why managing your money starts with controlling spending. This is the first unit in a series of six that include: buying your first home, credit cards, living on your own, handling credit and savings/investing. Contact me for the instructor's guide and participant workbooks.
The General view of mortgage which helps to understand the Loan cycle. The mortgage is divided into many different processes like credit income, collateral, underwriting, loan set up, processing etc. Any query related to mortgage please write. I will do my best to resolve your query.
I am also freelancer for the different financial product. Any assistance related to any financial product you can reach out to me.
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
Done-For-You Real Estate (Transactional PSA)
Done-For-You Real Estate Transactional Professional Service Agreements (PSA} are all about access. View them as the golden key that opens investment opportunities unavailable anywhere else, while minimizing your personal time, effort, and risk. MENTour through Strongbrook REIC delivers access to the ultimate real estate Power Team complete with education, application and turn-key properties in your own market or the best ones in the country.
What is the 'Time Value of Money - TVM'
The time value of money (TVM) is the idea that money available at the present time is worth more than the same amount in the future due to its potential earning capacity. This core principle of finance holds that, provided money can earn interest, any amount of money is worth more the sooner it is received. TVM is also referred to as present discounted value.
BREAKING DOWN 'Time Value of Money - TVM'
Money deposited in a savings account earns a certain interest rate. Rational investors prefer to receive money today rather than the same amount of money in the future because of money's potential to grow in value over a given period of time. Money earning an interest rate is said to be compounding in value.
BREAKING DOWN 'Compound Interest'
Compound Interest Formula
Compound interest is calculated by multiplying the principal amount by one plus the annual interest rate raised to the number of compound periods minus one.The total initial amount of the loan is then subtracted from the resulting value.
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
Retirement Planning is one of most important part of everyone's life. But most of them ignore this very important thing. Early retirement planning gives you the power to choose the age when you will retire. FinAtoZ gives you the retirement calculator which is an early retirement planner and gives you the idea about the final corpus you need at the time of retirement along with the correct retirement age.
Unit one of Floyd Saunders' Personal Money Management Seminars - Learn the basics of budgeting and why managing your money starts with controlling spending. This is the first unit in a series of six that include: buying your first home, credit cards, living on your own, handling credit and savings/investing. Contact me for the instructor's guide and participant workbooks.
The General view of mortgage which helps to understand the Loan cycle. The mortgage is divided into many different processes like credit income, collateral, underwriting, loan set up, processing etc. Any query related to mortgage please write. I will do my best to resolve your query.
I am also freelancer for the different financial product. Any assistance related to any financial product you can reach out to me.
Retirement is one of the most important life’s event many of us will ever experience. From both personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence. visit https://www.financialhospital.in/retirement-planning.php to know more
Done-For-You Real Estate (Transactional PSA)
Done-For-You Real Estate Transactional Professional Service Agreements (PSA} are all about access. View them as the golden key that opens investment opportunities unavailable anywhere else, while minimizing your personal time, effort, and risk. MENTour through Strongbrook REIC delivers access to the ultimate real estate Power Team complete with education, application and turn-key properties in your own market or the best ones in the country.
What is the 'Time Value of Money - TVM'
The time value of money (TVM) is the idea that money available at the present time is worth more than the same amount in the future due to its potential earning capacity. This core principle of finance holds that, provided money can earn interest, any amount of money is worth more the sooner it is received. TVM is also referred to as present discounted value.
BREAKING DOWN 'Time Value of Money - TVM'
Money deposited in a savings account earns a certain interest rate. Rational investors prefer to receive money today rather than the same amount of money in the future because of money's potential to grow in value over a given period of time. Money earning an interest rate is said to be compounding in value.
BREAKING DOWN 'Compound Interest'
Compound Interest Formula
Compound interest is calculated by multiplying the principal amount by one plus the annual interest rate raised to the number of compound periods minus one.The total initial amount of the loan is then subtracted from the resulting value.
Retirement planning is using your earnings to provide income, after you retire from work. Start planning for retirement now. We can help you use your savings today, to live a comfortable life tomorrow.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
The purpose of this presentation is to show, Realtors and Investors, why working with us on your short sale properties is extremely beneficial. We are a preferred investor with the majority of lenders and have direct contacts to expidite the process.
This is a Very Detailed Listing Presentation about the Short Selling Process and Why it is important to proceed with a knowledgeable agent when faced with a mortgage you can no longer afford. If you want to meet with us on a personal level, please contact us at American Way Real Estate 407-701-7416. Mention Facebook and we will give you a $100 gift certificate that you can redeem for cash at closing. Have a blessed day.
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1. Helping You To Preserve Your Credit John L. Dumas, Realty Source San Diego A Guide To Understanding The Process
2. Helping You To Preserve Your Credit What Is A Short Sale? It’s a transaction where two unique events must occur together. (1) Net Proceeds Sale Loss A short sale occurs when your net proceeds from the sale is insufficient to cover your note balance(s). (2) Lender Agreement The lender(s) agrees to release its mortgage lien(s) and note obligations on the home in exchange for payment less than the full loan balance.
13. Helping You To Preserve Your Credit Why Would A Seller Want To Do A Short Sale? Potential Seller Benefits The Government recently passed HAFA (Home Affordable Foreclosure Alternatives) that is a Godsend for homeowners underwater. With HAFA, the Government requires homeowners are released from their debt, and any future liability from their Lender. Financial Incentives are provided: $1500 for you, $1000 for the Lenders, and up to $3000 for any additional lien holders. The process has been streamlined, and is MUCH faster now than ever before.
14. Helping You To Preserve Your Credit Why Would A Seller Agree To A Short Sale? Continued….. 5. It has less of an impact on your credit rating than a Foreclosure or Deed-In-Lieu of foreclosure. 6. Your lender may stop reporting missed payments to credit agencies. 7. Provides more time for you to act in this difficult situation. 8. You may buy another home sooner as compared to a foreclosure.
33. Helping You To Preserve Your Credit What Is The Short Sale Selling Process? Homeowner signs listing agreement with real estate agent. Agent finds buyer who offers less than note owing. Homeowner accepts buyer’s offer. Homeowner’s lender accepts buyer’s offer. Transaction closes when the buyer delivers the funds, the lender releases the lien, and the Homeowner delivers the deed.
34. Helping You To Preserve Your Credit What Are The Qualifications For A Short Sale? Can you say yes to the following 4 questions? (1) Has your Home’s Market Value Has Dropped? (2) Have you already missed a payment, or foresee the possibility of missing one? (3) Are you in Hardship of any kind? (4) Is your debt (including your current mortgage) more than your assets?
35. Helping You To Preserve Your Credit What Constitutes & Triggers Hardship? Unemployment Divorce Medical emergency Sudden illness Death Bankruptcy Increase in mortgage payment due to resetting of ARM(s)
36. Helping You To Preserve Your Credit What Does Not Constitutes Hardship? 1. Bad Purchase Decisions 2. Unhappy With The Neighbors 3. Buying Another Home 4. Pregnancy 5. Moving Into An Apartment 6. In-Laws Coming To Live With You
37. Helping You To Preserve Your Credit How Is A Short Sale Different From A Normal Sale? (1) Marketing There is no difference. We’ll utilize our extensive marketing program. (2) Buyers There is a big difference. Short sale buyers are price sensitive & driven. (3) Home Pricing There is a big difference. Appraisal is based upon other short sales comparing apples to apples.
38. Helping You To Preserve Your Credit How Is A Short Sale Different From A Normal Sale? (4) Other MLS Agents Only Agents and their buyers will know you are in short sale. (5) Sale Impact Having buyers and agents fully aware of the short sale status increases the likelihood of a fast sale.
39.
40. Helping You To Preserve Your Credit What Are The Consequences of a Short Sale? (2) Deficiency Judgment The lender has the right to pursue a summary Judgment for the deficiency. Example The bank was owed $300,000 and sold short for $210,000. The deficiency is $90,000. The lender sues the seller for the deficiency. With HAFA, Lenders must agree not to pursue this option. (3) Blemished Credit Record Short sales will show up on credit reports as a pre-foreclosure in redemption status. The typical short sale will affect credit up to 2 years and 40-60 points, while a foreclosure 5-7 years and 250-300 points.
41. Helping You To Preserve Your Credit Which Is Better, Foreclosure or Short Sale? Fannie Mae: August 2008 Due to the increased incidence of pre-foreclosure [short] sales, Fannie Mae is establishing a 2-year elapsed time period for reestablishing credit following completion of the action. A foreclosure client must wait 5 to 7 years, maintain at least a 680 credit score in the sixth and seventh year, and pay a minimum 10 percent down on future home purchase.
42. Helping You To Preserve Your Credit What Are The First Steps To A Short Sale? 1. My Role As a Realtor I cannot give you legal or financial advice as both fall outside the scope of my license. It is for this reason I strongly recommend also consulting with an attorney and CPA before you make a final selling decision. The 3 keys to successful short sale are: disclose-disclose-disclose! 2. Lender Requirement You must prepare and submit a Short Sale Approval Application Kit with your lender before you can begin selling as a short sale.