For rent one new 4 stall barn with turnout, $1,000.00 per month; and
4 stall barn with roundpen, ring, turnout, feed/tack room and 4 stalls attached to private trails for rent for $1,000.00 depending on situation. For more information call Henry at 631-680-5791
A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.
With foreclosure reaching nearly historic levels, the bank is truly not interested in adding your home to the ever growing list of foreclosed properties. The bank is, however, interested in collecting on your loan. The nation is educated now and is aware of the preditory lending techniques used by many brokers and banks to obtain mortgages for those people who should have never received them in the first place, and then were given the loan with the punishment of absurd and unmanageable interest rates adjusting to the sky. Shame on them! That dream, you know the one, the dream of home ownership with the proverbial "white picket fence"...Huh, it turned out to be more like owning a 9 ton pair of handcuffs that even the tornado in the Wizard of Oz couldn't shake off of you.
With the impending money crisis in America, the banks have graced us all with the possibility of new loan agreements and/or modification of the existing terms of our loans. I guess they have decided its better to collect some money then to become a real estate company in today's market. The banks are willing to modify as many loans as possible, as fast as possible, before the collateral damages bottoms out the median home prices. Each drop in the bucket shrinks the number of future foreclosures.
In mid October, the federal prosecutor indicated that charges will be filed in the coming months in an investigation of the banks and subprime lenders for their role in the nation's mortgage crisis. Hmmmm imagine that ?
Since the year 2000, lenders have made more than 2.5 trillion in subprime loans. Nearly all of these mortgages are going bad as millions of families lose thier homes. A large percentage of these mortgages were sold to those of us with credit scores good enough to qualify for loans with far better terms, but instead, we were given subprime loans by mortgage brokers motivated by favorable commissions using deceptive tactics.
The following list of subprime criminal CEO's that have been compared to the mob or drug cartel for their involvement in the economic meltdown.
1. Angelo R Mozilo – Former CEO of Countrywide Financial - $144 million- 5-Year Compensation Total $295.73 million
2.Richard S Fuld Jr - Lehman Bros Holdings - $51.65 million - 5 year compensation unknown
3. James E Cayne - Bear Stearns Cos $38.31 million - 5-Year Compensation Total $155.26 mil
4. Lloyd C Blankfein - Goldman Sachs Group $37.05 Million - 5 year unknown
5. E Stanley O’Neal - Merrill Lynch $36 million - 5-Year Compensation Total $87.45 mil and Mr. O’neal was only at Merrill for 4 years. During the height of bad investments and subprime slime. Yet, as captain of Merrill, he averaged $20 million a year in income for running the investment firm into the ground.
6. Kerry K Killinger - Washington Mutual $22.73 million - 5 year compensation unknown
7. Charles Prince - Citigroup $19.67 million - 5 year compensation $68.92 million
8. Brad A Morrice - New Century Financial $15.22 million – Morrice was CEO of New Century Financial for one year and the same year, the company failed. Investors lost 99% of their stocks value. They were the #2 subprime lender
9. G Kennedy Thompson - Wachovia $10.79 million - 5-Year Compensation Total $48.91 mil
10. Robert G Wilmers - M&T Bank $10.45 million - 5 year compensation unknown
11. David A Daberko - National City $9.35 - 5 year compensation unknown
12. Richard F Syron - Freddie Mac $8.05 – 5 year compensation $15.91 million
13. John J Mack Morgan Stanley $7.46 million - 5 year compensation unknown
15. Stuart A Miller - Lennar $6.73 million- 5 year compensation $84.51 million
16. Daniel H Mudd - Fannie Mae 3.94 Million - 5 year compensation unknown
17. Michael W Perry - IndyMacBancorp $2.13 million – 5 year compensation unknown - IndyMac is now being controlled by federal regulators (FDIC) after it failed in July.
After giving the above information much thought, do you still really think that mortgage modification sounds too good to be true? I think not....rather, the criminals are attempting to back peddle out of a situation they clearly created before the 9 ton pound of handcuffs go on their wrists.
For more information and help with your mortgage, go to http://www.allmortgagemods.com
Did you know that you could disguise yourself by changing your ip address. Sorry guys but there is a point to this will finish up shortly. In the interim, check out www.sitemeter.com it is great for tracking traffic on your website and literally show you each and every page, entry, exit and in between. Ip addresses, location of ip address, etc., etc. Actually the only reason you would change your ip address is to disguise yourself. I have a person who is so infautuated with me that they actually spend hours and hours on my website. After some time they changed their ip address thinking that I would not know that it was them, but I do. This person has attempted to break into my Point 2 account among as the most of you stated numerous other ridiculous things, like altering listings. Seems a little pathetic to me. It must be they have NO life left. My computer guy was able to divulge the information to me through a product called site meter. In any event, site meter is a really great FREE tool which can be added to your website. Sitemeter provides you with statistics including traffic, to and from hits, search words, referring url and, of course, lastly the identity of certain ip addresses via location if required. There is a small fee for this information. In any event, this is great information for those of you who have websites. Alternately, this is also a little "i SEE YOU" for the person alternating ip addresses and spending endless hours of their pathetic little life on my website.
Operating in 50 States, insured, bonded and attorney backed Agency
If you answered yes to one of these questions, I can help you by lowering your monthly mortgage payment, lowering your interest rate, and quite possibly lower your entire principal based upon the appraised value of your home.
. Currently behind on mortgage payments
. Currently In Foreclosure (Notice of Demand/Lis Pendens)
. An Adjustable rate mortgage That Has Adjusted Higher Or Will Adjust Higher Next Month Or Two
. A Legitimate Hardship
. Reduced Income
. Pay cut At Work
. Reduced Hours
. New Job (Less Pay)
. Loss Of Employment
. On Disability (Worker’s Comp)
. Divorce/Separation
. Excessive Medical Bills
. Back Taxes That Are Currently Being Paid Back (Ex. $30,000 being paid back to IRS)
. Death Of Household Provider
. Failed Business
Free pre-qualification!
The lowest cost in the industry!
100% Money Back guarantee!
A success rate over 98%!
Over the past 8 to 12 months', I have sat down with homeowner's just like yourselves, to discuss the possibility of a sale. In 90% of the cases, the homeowner felt that just had no other option than to sell out from under the INSANE MONTHLY PAYMENT of their existing mortgage. I can still see the expression on most of your faces when I had to tell you that the market value of your home was far less than the amount you owed on your mortgage or that you would just break even if you sold leaving you with no cash flow to "start over" and no where to live. This volatile market never ceases to amaze even the experts at this point. The government is parading around telling citizens that FHA and their new guidelines will bail us all out. Did you know that barely 300 individuals have profited to date from this new government planned bailout?
That being said, and based upon the great need on Long Island for available solutions, I have joined the American Modification Agency with over 18 years in the business and 50 offices throughout the United States for the purpose of helping my customers retain their homes with peace of mind and pride in ownership. If your mortgage just adjusted or you are barely getting by and need a life preserver, give me a call immediately to schedule an appointment at 631-979-3930, ext. 218....All modifications are guaranteed (full 100% money back guarantee) and if I am unsuccessful in obtaining a modification for you...you owe absolutlely NOTHING. We have a 98% sucess rate! Beware of imposters. There are many so called, "modification agencies". Please ensure that they are bonded, licensed, insured and attorney backed or you may wind up putting your most valuable asset in the hands of an individual pretending to be from an Agency.
What can a loan modification can do for you?
Avoid Bankruptcy
Reduce your monthly payments
Change your loan without refinancing
Bring your late mortgage payments current
Stop foreclosure
The above is just a few of the many ways I can help you and your family. I can give you a fresh start! I look forward to helping you reduce your monthly payment...for more information, email me at cwebber@yourama.com and leave me your name and telephone number, your call will be returned in 24 hours OR GO TO
TWO 4 STALL BARNS FOR RENT ~ PRICE NEGOTIABLE AND BASED UPON INDIVIDUAL SITUATION
4 Stall shed row barn with separate feed/tack room, run-in shed, roundpen, ring and huge turnout attached to private trails for rent. Must be rented to one person, price negotiable and based upon independent situation.
Additional Brand new 4 stall Barn for rent, with room for feed and tack, with two huge turnouts within walking distance to trails. Also available 3 bedroom 2 bath Ranch steps away from the Barn $1,800.00 per month
TIRED OF PAYING OVERPRICED STALL FEES, RENT THE WHOLE BARN AND SAVE $$$$$
For more information email me at Claudia@horsepropertyagent.com. SERIOUS INQUIRIES ONLY.
Looking for horse property or properties with the ability to rent a barn? Go to http://www.horsepropertyagent.com
This property is now available for RENT TO OWN! What a great deal this is with the economy of "doom and gloom"! You can now rent this home, or rent the home with the barn, orrent the barn individually, YOU PICK IT ---Serious inquiries only...contact Claudia immediately at 631-580-5685. THIS WILL NOT LAST!!!
For those of you interested in the Barn only:
This barn is brand new having been used only 1/2 of a season. There are four stalls, 2 huge turnouts and woods in the backyard. This barn is located within walking distance to trails as well. There is a large area in the rear suitable for use to store tack or usable for hay storage. There is a loft as well. The barn is well constructed and uses are endless!! The barn is being rented for $1,200 and is negotiable depending on use and number of horses!
For those of you interested in the Barn and the House:
The house is a 3 bdrm, 3 bath cape in mint condition. Wood floors throughout, there is a jacuzzi bath on the main floor for tired riders. Also, the basement is full, finished with an outside entrance also suitable as usable living space. The basement has a summer kitchen and bath as well. Should you be interested in renting the home itself, the monthly rental fee is $2,500.00/negotiable together with a fee for the Barn to be determined, and a month to month lease is required. The landlord will accept one months' security payable as 1/2 up front and balance of which shall be paid in monthly installments as added rent.
For those of you interested in just the House rental:
All of the above applies without the Barn!
BE THE FIRST TO GET THIS PROPERTY BECAUSE IT DEFINITELY WILL NOT LAST! SHOWINGS ARE TO BE SCHEDULE FOR TWO DATES AND TIMES SO GIVE ME A CALL TO SCHEDULE YOUR SHOWING! 631-680-5685
Recently, I changed Associations. During my employ with my prior Association, Long Island Horse Properties, I listed and sold 2 properties resulting in commissions due and owing for these listings. The closing came and went, The Broker, Sharyn Guzzi, kept the commission due and owing to me. The behavior indicates the untrustworthy business methods she elects to practice. Most certainly, her retaining the commissions of an ex-salesperson, thinking she can "get away with it", indicates what her moral standing is. The Broker is not able to pick and choose whom she elects to pay. The delineation of payment is set forth in the Listing Agreement. The disgruntled Broker displays her immature, irrational and greedy business practices. Be aware of the Broker and Agency you are dealing with!
After researching the situation, I learned that NYS law and rules supersede MLS rules and hired an attorney and took it to District Court in Suffolk County, where the Court system could decide. Unfortunately, NYS small claims does not exceed $5,000.00, per claim. The DOS advised me that the listing agreement executed by the listing Agent as representative of the Agency and signed by the homeowner was sufficient and IS THE CONTRACT that will be entertained in the Court Systems. Providing the percentages are set forth in said listing agreement you will win your case. They were very helpful and supportive and recognized that this is an ongoing battle with a disgruntled ex Broker who was trying to keep commissions they are not entitled to. I am sure there are many of you out there who can relate to this situation? Please be reminded that you do not have to stay in a bad situation for fear of losing your commission, just maintain accurate records and copies of all your listing agreements and sales and you too can take your Broker to Court and get the commission you are entitled to.
This is a category of Brokers whose behavior is so egregious it gives all of us, agents and Brokers alike a bad reputation. One bad Broker ruins the reputation of the rest of us.
One wonders what thought process this Broker goes through retaining commissions due to others? Either they began by swimming in the lower end of the gene cesspool or they are so sadly desperate in these economic times that their greed overtakes the concern of their moral standing?
Located right here on Long Island, NYHR is in need of our support. Their Mission is to prevent the inhumane slaughter of injured, abused, and unwanted horses. Their goal is to rehabilitate andplace these horses in qualified adoptive homes.
THEY SAVE HORSES WITH YOUR HELP!
Thanking you in advance for any donations you can make to this terrific organization. If money is an issue why not volunteer your time? If everyone gave just a little via a donation or volunteer work, we could all SAVE A HORSE A DAY! Please make a donation today. New York Horse Rescue is a 501(c)(3) not-for-profit corporation. Donations are tax deductible. There are many ways for us to help serve this great cause, go ahead and SAVE A HORSE TODAY, just click the link below and you too can make a difference. There are many horses that need loving caring homes. Why not adopt a horse today? For more information regarding this amazing Organization, copy and paste the information below into your browser:
This new Foreclosure Division will be located on http://www.horsepropertyagent.com, tab, entitled, "LI Foreclosures sales." All the information on current foreclosures, spec houses, etc., located in Suffolk County, New York will be displayed along with relative information on how to preview and finance the property. For further information regarding this Division call Claudia @ 941-4000, ext. 355.
The one and only LI Horse Property Specialist announces the development of a bi-weekly Newsletter
When/Where: Scheduled for delivery sometime in October of 2008
UPCOMING EVENTS AND ANNOUNCEMENTS!!!
THE ONE AND ONLY HORSE PROPERTY SPECIALIST IS PROUD TO ANNOUNCE THE UPCOMING DEVELOPMENT OF A NEW NEWSLETTER, entitled, "The Long Islander Horse Enthusiasts Newsletter"!
This Newsletter is in the process of being prepared right now and is projected to be completed and ready to roll some time in October! The Newsletter will feature a horse property or rental of the week, current specials and discounts from local horse community vendors, Special Horse related Events happening on Long Island, as well as, special selected Articles from you or other knowledgeable individuals on handling horse related problems common to all of us and a classified section. We will also be accepting photos for publication too. So if you have an incredible horse photo that you feel is Newsletter worthy please submit those as well. This is going to be your Newsletter and it will depend on your feedback, photos and articles for its success! Please feel free to submit any informatin you feel would be relative!
If you feel you are knowledgeable regarding a certain horse related subject or subjects, submit your Article to me, and if your Article is selected for the Newsletter, you will receive a Thank you from me in the form of a money order in the amount of $15.00!!! The success of this New Newsletter will depend on our own Long Island Horse Enthusiasts!
To subscribe to this Newsletter please click below and enter your email address.
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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.
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