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ARE YOU RENTING A RESIDENCE WHICH IS BEING FORECLOSED UPON? It used to be if you were renting a place in Nevada that got foreclosed on you could get served with 3 day vacate notice. If you didn’t get the hell out a new owner could file to have you evicted. Now the laws have changed As of May 2009 a federal law was enacted called the Helping Families Save Their Homes Act. The bill says that anyone who is renting a property that was foreclosed on anywhere in America must (4 comments)
One of the most aggressive options for getting loan reductions and sometimes principle reductions is performing Loan Litigation. You get a Forensic Audit from a reputable company - hire an an attorney or someone qualified to read the audit. If there are violations on the audit- submit it to the lender to see if they want to play ball. If the lender does not want to play ball you file a lawsuit against them. Once a lawsuit is filed against the lender all foreclosure proceedings and reporting to the credit agencies must cease and desist. You hire an attorney or other qualified professional (0 comments)
Thousands of distressed homeowners have been calling their lenders for loan modifications. A lot of people just want an interest rate reduction that will lower their payment at least for awhile - until things turn around - until the economy starts getting better. A payment reduction of say $200 or $300 would allow some folks who are struggling to continue to stay in their homes and put food on the table. You wouldn't think it would be that hard for a lender to lower an interest rate or lengthen term of the loan to bring the payment amount (5 comments)
When the tides turned for the worst on Las Vegas Real Estate, and I saw people struggling to keep their homes I decided to learn as much as I could about the legal side of Real Property. For the last two years I have been studying, reading and asking questions about how to protect folks who are going through hard times with their homes. Now, for the first time in my life I have found real passion in my work. It gives me a rush when I can help someone scared of losing their home out of a jam. Although (3 comments)
ONE WAY TO SLOW DOWN FORECLOSURE When a Lender of Investor tries to foreclose on a property they normally do not have the original promissory note that displays the wet signature of the homebuyer. When a lien holder does not have the original note they produce an Affidavit of Lost Promissory Note. This Affidavit is a loophole in the law created under a special statute that creates a mechanism to prove prior procession of a financial instrument that was lost by the lien holder. The statute takes into consideration that the lien holder may have lost the note (0 comments)
The Federal Housing Administration, more commonly known as FHA is the insurer of about $750 billion in outstanding mortgages. A HUD Audit on FHA found their cash reserve fund is rapidly depleting and may drop below its Congressionally mandated 2% of insurance liabilities by the end of the year. At a 50 to 1 leverage ratio, the FHA will soon have a smaller capital cushion than did investment bank Bear Stearns on the eve of its crash. FHA is now dealing with a 14% thirty day or more late rate. This is three times more than conventional mortgages. FHA'S cash (1 comments)
CALL ROBIN BASICHIS - 702-279-8025 If were to combine mortgage delinquencies with foreclosures as of today you would come up with a 14.50% national total. This is the highest percentage total on record in. Nevada, Florida and Arizona make up 43% of the national total. Things are likely got get worse before they get better. Stuff like jobs and employment have to come back. Hopefully jobs will start coming back to Las Vegas. Didn't the current administration say it was going to help homeowners who were in trouble? What happened to (4 comments)
They are going to do a census in 2010. I don't think they are going to be asking too many Real Estate questions so it's probably going to be a waste of time. Will you tell the census taker everything about yourself? Will you bare your soul to the census taker? Or will you do something I would never think of doing - like lie to the census taker. What if you said your were making lots of money selling properties and the market is great and still getting better. Would that skew the statistics? Will you let the census taker through the door? You could shout out (3 comments)
Housing Market Predictions: We've Heard Them All, Except the One That Matters ... Yours! - 11/18/09 08:52 PM
I loved this post. Really heart felt and well written. If you doing well God Bless You. For those of us who got caught with our pants down - well hopeully someday soon we'll be able to sleep soundly get up with a song in our hearts. Great post Paul. Via Paul Slaybaugh, Scottsdale AZ Real Estate (Realty Executives): Housing will not fully recover until 2012. That is when the glut of backlogged foreclosures is expected to be phased out of the market. Housing will recover by the end of the year. Now that inventory has contracted to average levels for what (0 comments)
There are some entities in places like Hollywood that would have the government act as a spy on the Internet just in case someone commits copyright infringement. What if your kid stole a new idea for a Fox Pilot or an an NBC Pilot and was savvy enough to sell it to another network. Would you be proud of your kid? I would. He’s a good kid, a smart kid, but maybe he knows too much and he pokes around on the Internet too eagerly for stuff like stories and movie ideas because he loves fiction and loves (0 comments)
In the past month the IRS has warned CPAS' Accountants and Tax Preparation Companies they can not solicit their client base with any services other than accounting. If an accounting firm dares to offer services beyond accounting, say insurance or businsess consulting there is going to big problems. By verdict and decrie of the IRS you can no longer contact your client base by direct mail or email except to say hello and tell them you are still breathing and in the accounting business. If you do not obey the rules the IRS can fine you or take away your license to practice. I saw a (5 comments)
MA Court Rules That A Foreclosure May NOT Be A Foreclosure! - 11/16/09 05:50 PM
There was a recent ruling on MERS in the Kansas Supreme Court. In the case of National Bank VS. Kesler, 2009 Kansas The Kansas Supreme Court held that a nominee company such as MERS has no right or standing to bring an action for foreclosure. Sixty Million homes are held in the MERS system. If this ruling is acknowledged and upheld in all fifty states it will be real difficult for MERS to do anything. The Kansas Supreme Court stated that MERS' relationship is "more akin to that of a Straw Man than to a party pssessing all the rights given (0 comments)
THE CURIOUS CASE OF SEYMOUR LEVIN - 11/12/09 03:01 PM
Philadelphia, like all major cities had its share of crime and psychos, but it was a more innocent time – most of us not yet hardened and cynical enough to shrug off a sex murder of a child by another child as just another story in the newspaper or just another day in the hood. For many Philadelphians, my parents included, it was a first time experience with a juvenile crime of this magnitude sending shock waves through Philadelphia neighborhoods that scared people into becoming more aware there was an evil presence lurking in the shadows, bringing about a bitter realization (2 comments)
An Arizona Couple who were current on their loan agreement were foreclosed on by Chase Bank. The couple found out about the foreclosure when the owner of the property pasted a five-day vacates notice on their door.
They called the number on the vacate notice and the party on the other end claimed to be the owners of their property. They thought they were safe when they cut a deal for a loan restructure with the bank. The thought they were safe as they paid (3 comments)
Mers was orginally set up by the lending industry to manage documents like mortgages and liens that would normally be filed publicly by the lending institution with the County Recorder’s Office. Instead of the lender doing the filing with the County Recorder MER’S creates a onetime filing with the Recorder’s Office. After MER’S does the onetime recording the MERS’ system does an internal monitoring when a deed is transferred from one party to another and the name MRES shows up on the Note and Deed recording instead of the real owner of the security. Over half (2 comments)
How is Las Vegas going to recover? How do we crawl out from this current double-digit unemployment and housing crisis we're experiencing? Once not so long ago they referred to us as the City Of The Future - a city filled with opportunity and growth. Now look at us, we're on are ass, and the future is looking somewhat bleak. I have lived here over seventeen years and I have seen lots of change, but the one thing that hasn't changed enough is the diversification of our economy. We have not put enough effort into improving our schools and (0 comments)
What happened to all that bailout money? The government handed out between $800 Billion and a Trillion dollars in the Bailout Package, or whatever they called it. Where did all that money come from, and where did all that money go? When you or I need money we have to go out and earn it. When the government needs money they print it. Why wouldn't they? If you held all the plates and the presses to make money and started running low on it would you print more? I would. Would I worry if that the money I was (5 comments)
Somtime in August of 2009 the Nevada Legislature enacted AB149. This gives the homeowner a right to seek mediation through the courts. In order to qualify for AB149 you cannot be in bankruptcy, you must be living in the home you are negotiating for, you must apply while you are still in NOD status and the NOD has to have come after July 1, 2009. You pay $200 to the Loan Modification Department in Carson City and your Lender or Loan Service provider matches your $200 which is also sent to Carson City. The homeowner is provided with a pro-bono attorney - there are about seventy (0 comments)
Here is a note I received from some friends who are trying purchase a home from Fannie Mae: Dear Rob we have been fighting to get a Purchase Agreements signed on a foreclosed home that is owned by Fannie Mae. They had the property listed at $275,500 and the place was stripped to the walls. The former owners took everything; all the appliances, the air conditioners, interior doors, the flooring, sinks and toilets - all they left were broken walls and busted windows. My wife and I wanted the house because of the location. It had a large lot (2 comments)
I am seeing Fannie Mae gobbling up most of the homes that are being sold at Sheriff Sale here in Las Vegas. They normally purchase the property and then hand it over to a real estate brokerage to manage it. In some cases they do not evict the home owner - instead they send out a form letter asking if there is a renter in the home and if they renter wants to keep on renting they have the option to do so. I have seen this form letter about ten times this past week. Do you have an (3 comments)
TIME-LINE OF THE MORTGAGE CRISIS The Titanc did not sink from a single gaping hole. It was a series of pin pricks caused by the ship's contact with the iceberg that eventually opened the hull and caused the disaster. 1913: Federal Reserve Act creates national banking system. 1914: Federal Trade Commission Act prohibits unfair or deceptive business practices. 1933: With memories of 1929 stock crash still fresh, Glass-Steagall Act separates "commercial banks" focusing on consumer activities (checking, savings) from "investment banks," which deal with speculative trading and mergers. 1968: Truth in Lending Act requires banks to (1 comments)
Beware of a so-called Loan Modification Specialists that promises you the world. I'm sure you've heard stories about these fly by night Loan Modification Companies or Loan Restructuring Companies that take your money up front, never perform and you wind up losing your home to foreclosure. Don't ever do business with anyone looking for ownership in your property in the guise of needing that ownership to protect your home. No matter what they promise - Loan Modification at 1% fixed for 30 years, Principal Reductions, Forensic Audits that put the bank in a indefensible position - don't do it - (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.