Pacific One Lending And's Blog

Happy Veterans Day

Pacific One lending and Real Estate — Wed, 11 Nov 2009 17:59:04 -0600

Happy Veterans Day... Pacific One Lending and Real Estate Supports our Troops and Prays for a safe return. Pac 1 Values our freedom..d

Pacific One Lending & Real Estate

Pacific One lending and Real Estate — Wed, 11 Nov 2009 17:48:00 -0600

Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

WE CAN HELP!!!

Pacific One lending and Real Estate — Tue, 07 Jul 2009 11:10:36 -0500

I am here to help answer any of your questions. I understand that you are probably behind or about to miss a payment and you owe more than the house is worth. There are a lot of government programs out there designed for your exact situation you are in and can help you reduce your monthly payment. Please give me a call or the best time to contact you. You can reach me at 888-733-4224 Ext. 104 definitely speak with me Matthew DeWeese.

We are a full service company that is rated A+ on the BBB and are partnered with several Top Real Estate Law Firms.

First, this is simple process and after taking your application we will present to you a Loan Modification Proposal from your lender.

Second, it is very important for you to contact me back so that I can answer your questions and see if I can get you approved for the Loan Modification Programs your lender is offering.

Please contact me at 888-133-4224 ext. 104 toll free call, or e-mail me back your contact info and best time to call you so I could help you with your questions and possibly help your situation.

Sincerely,

Up Late Worried About Your Mortgage?????? Call Now 888-733-4224 or www.pacific1lending.com

Pacific One lending and Real Estate — Fri, 03 Jul 2009 00:49:35 -0500

Up Late Worried About Your Mortgage?????? Call Now 888-733-4224

Up Late Worried About Your Mortgage or Credit Cards??????

The Pacific One Lending Difference: 888-733-4224

Refinance to the lowest rate
Quick 2 minute form
No SSN required
No credit check conducted
Your information is kept private
Zero Cost
Zero Obligation
Zero Hassle
888-733-4223

Pacific One Lending recognizes Real Estate and Lending Professionals need help also. Please let Pacific One Lenending Help you today..

THE REAL ESTATE MARKET MINUTE

Pacific One lending and Real Estate — Wed, 01 Jul 2009 23:52:41 -0500

The Real Estate Market Minute: Pending Home Sales Record Fourth Straight Monthly Gain
Pending home sales show a sustained uptrend, rising for four consecutive months with very favorable housing affordability and a first-time buyer tax credit boosting activity, according to the National Association of Realtors.

Click Here to Read the Full Article by RealEstateChannel.com

If you're considering a Home Purchase or Refinance, now is the time to take action! Check out the "ResourceCenter" in the left-hand column of this newsletter for an interactive online tool that can help answer just about any mortgage or real estate related question.
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PACIFIC ONE LENDING AND REAL ESTATE TESTIMONY FROM TOM KELLY

Pacific One lending and Real Estate — Mon, 29 Jun 2009 21:10:30 -0500

"Voice of Tom Kelly" Former 43 year Sports broadcaster for the USC Trojans. Known as the Golden Voice of the Trojans.

FOLLOW LINK TO HEAR TOM KELLY http://www.pacific1lending.com/testimony.html

DREAM JOB!!! GET STARTED TODAY!!!!

Pacific One lending and Real Estate — Mon, 29 Jun 2009 20:52:44 -0500

LOOKING FOR YOUR DREAM JOB? CALL PACIFIC ONE LENDING TO START EARNING GREAT MONEY. WORK FROM HOME OR AT ONE OF OUR MANY LOCATIONS. CHECK PAC 1 OUT WWW.PACIFIC1LENDING.COM OR CALL FROM 9AM-5PM AT 1-888-733-4224

Stop Processing, Start Closing!!!!

Pacific One lending and Real Estate — Mon, 29 Jun 2009 20:28:27 -0500

LET US PROCESS YOUR LOANS AND LOAN MOD DEALS...FAST!!

Stop Processing, Start Closing!!

MAKE MORE MONEY!!! and Eliminate Headaches BY TAKING ADVANTAGE OF OUR EXPERIENCED PROCESSORS & NEGOTIATORS.

WE ARE LICENSED BROKER, CFL, AND A+ WITH THE BBB,MULTIPLE LAW FIRMS & LENDERS TO GET YOUR DEALS DONE

*NO MONTHLY MINIMUMS

*SPEADY RESULTS

*YOU MAINTAIN CONTACT WITH YOUR CLIENT

*1 FLAT FEE (NO EXTRA $$ FOR FILES WITH MULTIPLE LOANS)

Email me back today and I will forward you more information on our services.

Pacific One lending & Real Estate

Matthew De Weese

18351 Beach Blvd. ste. I

Huntington Beach Ca, 92648

888-733-4224 Toll Free

800-377-1538 Fax

714-349-6798 Cell/Best

http://www.pacific1lending.com

http://www.pacific1lending.com/testimony.html

Let Pacific One Lending And Real Estate Help!!!

Pacific One lending and Real Estate — Sun, 28 Jun 2009 11:48:02 -0500

www.pacific1lending.com or give Pacific One Lending a call Monday-Friday 9am-6pm. Lets us answer all your Financial and Real Estate Questions Today..

Pacific One Lending

Pacific One lending and Real Estate — Sat, 27 Jun 2009 12:19:06 -0500

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.

Call Pacific One Lending And Real Estate Today for Help 888-733-4224

Pacific One lending and Real Estate — Sat, 27 Jun 2009 11:15:16 -0500

Call Pacific One Lending And Real Estate Today for Help 888-733-4224

Choose From one of our Programs to Help!!!

www.pacific1lending.com

Need to Refinance?

Consolidating Debt?

Purchasing a Home?

Need a Loan Modification?

Let Pacific One Lending refer you to an attorney who will fight for your rights as a home owner!!!

Up Late Worried About Your Mortgage?????? Call Now 888-733-4224

Pacific One lending and Real Estate — Sat, 27 Jun 2009 02:03:44 -0500

Up Late Worried About Your Mortgage??????

The Pacific One Lending Difference: 888-733-4224

Refinance to the lowest rate
Quick 2 minute form
No SSN required
No credit check conducted
Your information is kept private
Zero Cost
Zero Obligation
Zero Hassle
888-733-4224

Need Help on your Mortgage? 888-733-4224

Pacific One lending and Real Estate — Fri, 26 Jun 2009 00:20:50 -0500

Do you need help with high Mortgage Payments? Pacific One Lending can help... Please call today and let one of our Professionals show you some of the many new programs designed to help. 888-733-4224

Stop Processing, Start Closing!!!!

Pacific One lending and Real Estate — Thu, 25 Jun 2009 22:03:19 -0500

LET US PROCESS YOUR LOANS AND LOAN MOD DEALS...FAST!!

Stop Processing, Start Closing!!

MAKE MORE MONEY!!! and Eliminate Headaches BY TAKING ADVANTAGE OF OUR EXPERIENCED PROCESSORS & NEGOTIATORS.

WE ARE LICENSED BROKER, CFL, AND A+ WITH THE BBB,MULTIPLE LAW FIRMS & LENDERS TO GET YOUR DEALS DONE

*NO MONTHLY MINIMUMS

*SPEADY RESULTS

*YOU MAINTAIN CONTACT WITH YOUR CLIENT

*1 FLAT FEE (NO EXTRA $$ FOR FILES WITH MULTIPLE LOANS)

Email me back today and I will forward you more information on our services.

Pacific One lending & Real Estate

Matthew De Weese

18351 Beach Blvd. ste. I

Huntington Beach Ca, 92648

888-733-4224 Toll Free

800-377-1538 Fax

714-349-6798 Cell/Best

http://www.pacific1lending.com

http://www.pacific1lending.com/testimony.html

What is a Loan Modification and Faqs : 1-888-733-4224

Pacific One lending and Real Estate — Thu, 25 Jun 2009 21:10:11 -0500

LOAN MODIFICATION FAQs

Who is Pacific One Lending?

Our team is committed to providing our clients with the highest quality financial services, combined with low interest rates which are currently available in your area. Our outstanding Mortgage/Lending division, Loan Modification and Debt Settlement professionals will work diligently with you and your family members on a personal, yet professional level to ensure you get the best financial solution tailored specifically to meet your financing needs and future goals. Whether you are modifying your existing loan, purchasing your dream home, refinancing an existing loan, or consolidating debts with high interest rates, our highly experienced team of Professionals can help you find the perfect financial solution. Our customer service is second to none no matter what your needs or goals are. Ultimately the main goal is to create lasting relationships with every one of our clients so that you feel comfortable and we can continue providing excellent service for many years to come to your friends and family. Unlike many of the larger national financial service companies out there, all your information will be kept on a secure and private network with many firewalls updated weekly. Our name is trusted throughout the community as you can see we are one of the leading companies in this industry with an

Almost everyone with a loan is eligible for a loan modification or one of our other personalized services we offer. We are partnered with 4 different Law Firm with Real Estate Attorneys, Estate Attorneys, Mitigation specialists, and paralegals that specialize in Loan Modifications and Real Estate contracts. What this means to you and your family: once you retain one of the firms to represent and negotiate on your behalf they can amend your loan with your current lender's approval to alleviate your financial hardship. The terms of your loan would then be changed creating a new note without having to refinance and incur closing costs which are typically higher then the retainer fee applicable to your negotiation.

What exactly is a loan modification?
A loan modification is done through a Real Estate Law Firm which negotiates a new term and note approved by your current lender. They can modify the term, monthly payment, principal balance reduction, interest rate, or change any part of an existing loan. This is a legal negotiation to ease a borrower's financial hardship.

Can a loan modification help me through any present unforeseen financial difficulties?
You should definitely consider a loan modification if you have fallen behind in your mortgage payments, or expect to fall behind, due to a present or future financial hardship. Another benefit is if the balance of the loan is greater than the market value of your home ("upside-down"), or if your adjustable interest rate loan is about to increase, or if your in a loan that you are going backwards on (a Negative Amortization Loan) 95% of the law firms will get your loan modified .

How does the loan modification process work?
If you know that your loan payment is about to increase or you are having any financial difficulties and you will not be able to afford the larger payment, our team can work with your lender to adjust the terms of your loan. Once your lender agrees to a loan modification (about 45-60 days), the terms of your loan will be negotiated for your approval and you can choose to do it or not. The duration of the loan, monthly payments, principle balance, and the interest rate can be adjusted to conform to your current financial situation. Some people choose to do a modification to simply get rid of their escrow account as well so you can pay your taxes on your own and gain the interest on your money instead of the bank.

Can I renegotiate the terms of the loan myself?
Absolutely, however it is a long and annoying process and you would be on hold for hours on end daily, not to mention you would receive a higher rate over what a real estate attorney could accomplish. As you may have discovered, most lenders are not receptive to requests from borrowers (loose the paperwork or have you transferred to 5 or more people and then end up with the same person you spoke to in the beginning). Lenders are very likely to listen to and negotiate with attorneys because of the fear of a law suit from an attorney than that of a borrower. The primary goal of the real estate firm is to work with and protect you, your home and any legal actions the lenders can go through with.

Is a loan modification the same as refinancing or debt consolidation?
A loan modification is NOT the same as a debt consolidation program or refinancing a home. A loan modification, the Law Firms renegotiate the terms of your note, the duration of the loan, monthly payments, principle balance, and interest rates directly with your lender. If you have been turned down for a refinance, or if your balance on your loan is greater than your home's current value, you should consider a loan modification to reduce principle balance and monthly payments. They can possibly increase the length of the loan and decrease your interest rate.

What information will I need to provide to begin the loan modification process?
Beginning the process is quick and easy. The following information is absolutely necessary to start a loan modification but not limited to:

3 months bank statements
Mortgage Statements (Mortgage Coupon). If you have 2 mortgages then both statements.
Tax return 2008 and 2007 (or an extension for 2008 up until October 2009)
Homeowner's Insurance statement / Declaration page
Current retirement coupon/letter or statement.
Social Security Letter (if you are receiving Social Security)
2008 and 2007 W2's or 1099 showing amount of income earned.
A Letter of Explanation for your current financial hardship.
Pay check stubs for the last full month (and during the process everyone that you receive needs to be sent in showing your currently employed)

After we have gathered the preliminary personal information, we will request the items listed above to document your income, expenses, and debts for a detailed underwriting of your current financial situation. In cases where a financial hardship is a factor, we may need letters of explanation to clarify the current hardship and a future outlook. We will use the information to determine how to structure your scenario.

What is the usual amount of time required to complete a loan modification?
The time required varies case by case, because each borrower's circumstances are different, the needs for the modification and each person's financials are different. The process may take only a few weeks from start to finish, or could take several months. Current turn times are 30-45 day to get to a negotiator and then an additional 45-60 days for a meeting of the minds.

Am I required to make all my monthly payments during the modification process?
I always state YES, however your attorney that is assigned to handle your loan modification will advise you. Legally I can not tell you to miss any mortgage payments as we are mortgage professionals.

How willing are lenders and banks to go through this process?
Lenders are usually as anxious to avoid foreclosure as are the borrowers because to foreclose it costs a lot of money and time. In California there is a 90 day moratorium where the lender can not foreclose on any one that took out a loan between 2001 and 2008. When the lenders have to foreclose, list the home and then sell a home at a discount, they lose more money then if they were to keep the borrower in property. Since lenders do not like losing money any more than the rest of us, they are much more willing to modify your loan vs. foreclosing on your property.

Do I need to meet with my bank or lender to deal with the paperwork myself?
Absolutely not! Our Loan Modification Professionals and the Law Firm will manage your paperwork for you, and save you from having to deal with the negotiations and the "legalese" they are filled with. Since you are hiring a Law Firm to represent you in the negotiations, you will not have to meet with your mortgage lender at all.

Do lenders approve everyone who applies for a loan modification?
Not necessarily. They may turn you down if you make too much money vs. debts and do not have a financial hardship or just simply wait too long to begin the modification process. If your loan modification request is turned down, there are several other options we can consider. Our team of experts will discuss your options with you and which one is the best for your individual needs.

I'd like to adjust my Option ARM or Standard ARM. When is the best time to do it?
IMMEDIATELY! If you put it off, you will find that there are fewer options available to you and a higher risk of loosing your home. The quicker you take control of the situation, the faster you can begin your financial freedom

How much time is required to stop a foreclosure?
You must take charge of the situation and act now to stop a foreclosure. Your most formidable enemy is time! Contact us immediately if you are threatened with foreclosure, Notice of Sale or Notice of Default.

How often does your loan modification negotiation lead to a successful resolution?
Because of legal qualifications and our understanding of current modification trends, we are very successful in helping to save many clients' homes and/or reducing the principal balance of their current loan. The average success rate is over 95% with a Law Firm if retained to work on your behalf. As specialists in negotiating with lenders, we have both the training and expertise to maintain a high success rate.

Are you going to offer to buy my home?
We have no interest what-so-ever in buying your home! This is your home not ours. Our focus is entirely on negotiating with your lender to ensure that you can remain in your home as the owner and holder of both the title and the note. We want to help not hurt.