Foreclosure Victim/Survior

Welcome, my friend

Tip of the Day:

Need- something you have to have
Want -something you would like to have

The difference between a need and a want is pretty simple — until you set yourself loose in a store. Double chocolate chip ice cream? It’s a food, so mark it as a need. That designer t-shirt that fits you perfectly? Well, you need more shirts, so why shouldn’t it count too?

Tally up the damage caused by a few justifications like these, and suddenly you’ve spent far more than you intended.

What’s the solution?

A better understanding of what a need really is.

Needs

In actuality, you only need four things to survive:

• A roof over your head
• Enough food and water to maintain your health
• Basic health care and hygiene products
• Clothing (just what you need to remain comfortable and appropriately dressed)

Everything that goes beyond this – a big house, name-brand clothes, fancy foods and drinks, a new car – is a want.

Does that mean that you should only buy the things that you need? Not at all. Life is meant to be lived, not survived. Treat yourself to some wants along the way, but do so when you can afford to, and enjoy those wants as the extras that they are.

By Erin Huffstetler, About.com Guide

Fun Fact : All of the clocks in the movie Pulp Fiction are stuck on 4:20.

Fact or Crap Question: Jim Crow was the name of a Confederate officer who was supposedly massacred by a mob of freed slaves.

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Answer: CRAP Jim Crow was the character in a comedy named Thomas rice performed a one-man show in New York, caricaturing southern blacks.  It was the first known blackface performance.  His bumbling, singing, dancing character, Jim Crow, was extremely popular in its time.  By the 1830′s the term Jim Crow had become a racial epithet for blacks and would remain so until the end of the century, after which it eventually became the name for segregation laws in the South.

The_Nevada Edge Business Information 1-866-411-2002 mention my name for a FREE eBook Justine Nupp Clark

mortgage questions Real Estate Acquisition Firm Office: 740 229-9642

Forbes Thought Of The Day

“ We often give our enemies the means for our own destruction. ”

— Aesop

Filed under: Foreclosure

Foreclosure Victim/Survior

Welcome, my friend

Tip of the Day:

Downsizing baby boomers are faced with a challenging opposition of selling or upgrading their homes. As the market is still suffering, prices are also on the decline with the economy. Taking steps to do a short sale early in the processes of emint default could save a poor credit rating. Qualifications for a Short Sale

Before you eagerly climb aboard the short sale bandwagon, consider the following to determine whether you may qualify for a short sale. If you cannot answer yes to all three requirements, you may not qualify for a short sale.

1. The Home’s Market Value Has Dropped.Hard comparable sales must substantiate that the home is worth less than the unpaid balance due the lender. This unpaid balance may include a prepayment penalty.
2. The Mortgage is in or Near Default Status.It used to be that lenders would not consider a short sale if the payments were current, but that is no longer the case. Realizing that other factors contribute to a potential default, many lenders are eager to head off future problems at the pass.
3. The Seller Has Fallen on Hard Times.The seller must submit a letter of hardship that explains why the seller can not pay the difference due upon sale, including why the seller has or will stop making the monthly payments.A few examples that do NOT constitute a hardship are:

Fun Fact : Captain Kangaroo won five Emmy awards.

Fact or Crap Question: Al Capone died in prison in 1947.

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Answer: CRAP He died of a heart attack at home in Palm Island, Florida. He served less than 7 years of his 11-year sentence for income tax evasion and was released from Alcatraz in 1939 for good behavior. Suffering from the advanced stages of syphilis, he spent the rest of his life in recluse.

The_Nevada Edge Business Information 1-866-411-2002 mention my name for a FREE eBook Justine Nupp Clark

mortgage questions Real Estate Acquisition Firm Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Victim/Survior

Welcome, my friend

Tip of the Day:

Sources at Citigroup and Bank of America tell FOX Business that bank officials worked through the weekend and were in close talks with state attorneys general and the Department of Justice to try to wrap up a potential $20 billion settlement that could come as early as this week or next over improper mortgage practices and robosigning.

A deal could help restart a clogged foreclosure system that is keeping the housing market down and the economy at stall speed. Home owners would have a chance at keeping homes.   Read more: http://www.foxbusiness.com/markets…

Found this information online. Hope it helps those of us trying to do this on our own. The helpful steps have been emphasized.

Loan Mod Process Steps

1. We interview the client (homeowner) and mutually agree on expectations.
2. We collect the client’s complete financial information and complete the debt to income (DTI) spreadsheet.

(complete financial information and all other necessary forms and perform NPV test)

3. We help the client fill out all of the necessary forms.
4. Client signs all the paperwork and gives us authorization to represent them.
5. We send the completed information package to the client’s lender or lenders.

6. We contact the lender to have the modification case assigned and delegated to a loan rep. (squeaky wheel)

7. We send additional requested information to the loan rep. We only send what is asked for.
8. We review information with the loan rep.

9. We start the negotiation by requesting a specific amount of reduction and terms. (Here is where the NPV test is helpful in formulating your proposed affordable terms to lender. You can even enclose the results of your NPV test with your application packet to buttress your argument that it is more beneficial to modify than to foreclose).

10. We review clients financial state with lender. We discuss all options with lender and we demonstrate why it is in the best interests of the lender to re-negotiate this loan rather than foreclose.
11. We spend HOURS and HOURS emailing the lender, and playing phone tag and leaving voice mails.

12. If the loan rep is not responding, we take the case up to higher levels of management. (In other words, if denied, email the CEO and work through the Executive Office to hopefully get a much more favorable disposition).

13. The Lender outlines what they would like to see from the borrower
14. We outline the realistic payment needed.
15. The lender requests additional information that was not requested during the initial contact.

16. We provide the lender with an up to date re-sale value of the property. (Research recent and pending sales in your neighborhood and enclose with your application packet to show how far underwater you are. All of this information can be easily retrieved online, ex: longandfoster.com; trulia.com; yahoo real estate).

17. The Lender resubmits the information to their investor for a decision based on the information we have provided and their perception of the value of the property.

18. The Lender makes first offer.
19. We discuss the offer with our client (homeowner) and we make a counter offer.
20. The Lender makes a counter to our counter. This may go on for days.
21. Finally, all parties agree on the loan modification terms and conditions.
22. The Lender wants to talk to borrower to go over conditions.
23. We receive written conditions from the Lender
24. We review conditions to make sure it is the terms discussed. This is where a “Loan Mod Do It Yourselfer” gets hammered. They are not savvy to the hidden terms. (No problem, if you do not feel confident in your ability to understand the fine print, contact and consult with a lawyer to review the offer)

25. The deal is signed by borrower and returned to the lender.
26. The deal is done. The homeowner gets to keep his / her home and has the new lower monthly payments and possibly a smaller loan than what they had before.

Fun Fact :  An estimated 257 tons of ivory was poached worldwide in 2006. In order to harvest that much ivory, approximately 23,000 elephants would have to be killed illegally.

Fact or Crap Question: It never rains on the moon.

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Answer:   FACT The moon has no atmosphere, so it has no weather at all.  No rain, no wind, no nothing.  The moon’s famed Sea of Tranquility contains no water.  I’s one of the moon’s maria, which are really just giant basaltic lava beds.

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Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Victim/Survivor

Welcome, my friend

Tip of the Day:

House for sale? In the classifieds, and a brightly-colored sign in the front yard. And now days, all this can be skipped, and the listing, buying/selling, and roommate finding can all be done through social media.  Not only do you not have to post an ad in the paper (or have to pay for it), you can simultaneously advertising to all of your friends. Not to mention the ability to ask and post information as instantly as one can get to their computer. And now, even mortgage rates can be found online.

With the rising trends of social media, younger generations using social media to sell and buy homes is much higher and with the older generations. In fact, first time homebuyers can skip the realtor, which in turn saves them money.

Read more; 

Fun Fact :  Donald Duck lives at 1313 Webfoot Walk, Duckburg, Calisota.

Fact or Crap Question: The World Championship Barbecue Goat Cook-Off and Arts & Crafts Fair takes place in Texas.

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Answer:   FACT Now in its 30th year, this unique event takes place in Brady, Texas, over Labor Day weekend.  More than 100 teams participate in the quest to serve up the tastiest goat.  In one of the festival’s other events, children dress up their live goats in elaborate costumes to vie for the coveted Goat Queen title.

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Victim/Survivor

Welcome, my friend

Tip of the Day:

Downsizing your home is most commonly associated with empty-nesters and retirees looking for smaller spaces after the kids have moved out, but it’s also becoming a more popular move for a growing number of hard-working, money-smart homeowners. It’s also a move that makes a lot of financial sense.From a corporate perspective, the whole concept of downsizing is financial. Companies close facilities, shed business lines and lay off workers in order to save money. When they do, Wall Street cheers and stock prices rise because lower expenses lead to bigger profits. The exact same thing occurs, on a smaller and more personal scale, when you downsize your house.Chasing the Savings
Soaring home prices, soaring energy prices and high gasoline prices all add to the cost of living. As a result, the financial benefits of moving to a smaller place are numerous, and well worth exploring. (To continue reading about real estate, see Investing In Real Estate and Smart Real Estate Transactions.)

Read more: http://www.investopedia.com/articles/pf/07/downsize.asp#ixzz1RoGsK300

Fun Fact :  Ice Cream is chinese food!

Fact or Crap Question: The practice of tattooing originated in Korea in the 12th century.

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Answer:   CRAP Tattooing is such a universal and ancient art that it’s been impossible to trace its roots.  We do know that tattoos have been found on ancient Egyptian and Nubian mummies that are 4,ooo years old.  There is also speculation that some marks on t man found encased in ice from about 3300 B.C. are tattoos.

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Victim/Survivor

Welcome, my friend

Tip of the Day:

7 Ways to Create a Cohesive Style 

Small updates will have a more dramatic impact if home owners are careful to keep the styles consistent and find ways to draw out the home’s best features. Here are some tips from experts on how to make small improvements pay off.

1. Concentrate on big impact rooms.   Be selective about what you do. Kitchens and bathrooms still usually offer the most bang for your buck, says remodeling industry expert Bill Millholland, executive vice president with Case Design/Remodeling Inc.

2. Go neutral.   Don’t introduce too much color to the “bones” of the home. You don’t want buyers to see too much bold color on cabinets and walls and say, “‘I have nothing to go with red,’” says Terrylynn Fisher, crs, green, a staging consultant at Empire Realty in Walnut Creek, Calif. “Buyers will have a tough time seeing past it.” Stay neutral with walls, cabinets, and fixtures. Bring in pops of colors through accessories.

3. Consult an expert.   A professional stager or remodeler can work within your budget and pinpoint where best to spend your dollars. For a list of contractors or interior decorators, ask colleagues or friends for recommendations or check the Web sites of organizations such as the Real Estate Staging Association or the National Kitchen and Bath Association.

4. Know when inexpensive won’t work.   Certain projects simply can’t be done cheaply, especially in a high-end home. “If it’s a luxury home, replacing the vanity with an off-the-shelf product from a big-box store isn’t going to cut it,” Millholland says. “Most consumers will be able to tell that you did something cheap. They won’t even see the value of it, so you’re better off cleaning what’s there and having it appear its best.”

5. Find inspiration.   For design guidance, grab a catalog from Pottery Barn, Restoration Hardware, or Williams-Sonoma. “Anything you see in there is fairly consistent with what the average consumer is looking for,” Millholland says.

6. Plan your budget.  Even small projects can carry a premium if a contractor is needed for installation. For labor savings, bulk your work, grouping several projects in a full day’s work rather than hiring a handyman or contractor for separate hourly jobs, Millholland says.

7. Complement the architecture.   If it’s a two-story colonial home, avoid overly contemporary updates, such as stainless steel countertops. Likewise, if the exterior is modern or contemporary, stay away from traditional styles, such as dark wood or classic lighting fixtures, Millholland says.

Melissa Dittmann Tracey is a contributing editor for REALTOR® magazine. She can be reached at mtracey@realtors.org

Fun Fact :  The human brain has the capacity to store everything that you experience.

Fact or Crap Question: Albert Einstein never won a Nobel Prize.

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Answer:   CRAP  He received the prize, but it was not for his most famous work.  Although Einstein’s theory of relativity is possibly the greatest scientific achievement of the 20th century, he received the Nobel Prize in Physics for work he had done many years earlier in the study of photoelectric light.  The Noble committee was said to be waiting for the relativity theory to be legitimized by further experiments before awarding Einstein for it, which they never did.

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

InforForeclosure

Welcome, my friend

Tip of the Day:

Potential buyers make their decision to purchase your home in the first 30 seconds upon entering. First impression is the key to selling your home fast and for top dollar.

In addition, well staged homes sell for 30-50% faster than their counterparts.

Read Article  http://www.wikihow.com/Stage-Your-Home-for-a-Sale

Fun Fact :  20% of tuxedo rentals take place in May.

Fact or Crap Question: Mormons are not permitted to drink tea.

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Answer:   Alcohol, tobacco, coffee, and even tea are all prohibited.  The Book of Mormon, believed by followers to be a message sent by God to Joseph Smith for translation, does not specifically mention coffee and tea.  It simply prohibits “hot drinks.”

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Justine Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure, celebrity foreclosure, housing slump, Pre-foreclosure, Real Estate Trends, short sale, underwater

Foreclosure Victim/Survior

Welcome, my friend

Tip of the Day:

Bank of America Leak to Anonymous

Balboa makes some money by charging these companies to track your insurance (the payment of which is factored into your loan). If you do not meet the minimum insurance requirements set by your lienholder, Balboa Insurance places a force placed insurance policy on your loan. You are sent a letter telling you that you do not have insurance, and your escrow account is then adjusted for the inflated premium of a full coverage policy placed by Balboa’s insurance tracking group, run by Steven Ramsthel, Sr Vice President of Loan Tracking Operations & Customer Care at Balboa Insurance Group, as seen on his LinkedIn profile.

Read article; http://www.tumblr.com/tagged/news+

Fun Fact :  The human brain has the capacity to store everything that you experience.

Fact or Crap Question: Albert Einstein never won a Nobel Prize.

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Answer:   CRAP  He received the prize, but it was not for his most famous work.  Although Einstein’s theory of relativity is possibly the greatest scientific achievement of the 20th century, he received the Nobel Prize in Physics for work he had done many years earlier in the study of photoelectric light.  The Noble committee was said to be waiting for the relativity theory to be legitimized by further experiments before awarding Einstein for it, which they never did.

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Survivor/Victim

Welcome, my friend

Tip of the Day:

The Right Bid Is Key To Closing Short Sales

When you bid on a home, you usually open negotiations with a deliberately low offer.

Short sales are different.

Lenders must approve any deal that allows a home to be sold for less than what’s owed on the mortgage, and it can take weeks, sometimes months, for them to evaluate and approve (or reject) each offer.

That makes it tough to do a lot of dickering.

Here’s how to make sure your first bid is a realistic offer with a good chance of being accepted.

Read more;

Fun Fact :  Nurses and doctors wash their hands between patients less than one-third of the time.

Fact or Crap Question: There is a Toilet Seat Museum in San Antonio, Texas.

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Answer:   FACT Barney Smith, a former plumber and now perhaps the world’s most renowned toilet-seat artist, displays a collection of 600 plus thrones in his museum, all painted by him over the past 30 years.  None of the works is for sale, but you can view them in his oversize garage.

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure

Foreclosure Victim/Survivor

Welcome, my friend

Tip of the Day:

In response to the initial question – The difference between a foreclosure and a short sale is that a foreclosure is owned by the bank and a short sale is still owned by the homeowner of record. That homeowner is dependent upon the bank(s) approval of the sale of their property for less than what they owe on their mortgage(s). The short sale process can take awhile but, there are different schools of thought as to which is the best to purchase–short sales or foreclosures.

Consider this–Many homeowners who have lost their home to foreclosure, leave their homes angry and tend to stop maintaining or caring for their home, sometimes removing appliances and light fixtures as they are asked to leave their home, and sometimes even maliciously destroying their former homes as they leave the home. Many short sellers WANT to protect themselves from the 7-10 years of bad credit that a foreclosure can bring, therefore they do everything that they can to keep their homes maintained so that they CAN get a buyer and get out from under their mortgage with as little damage to their credit as possible.

Read more;

Fun Fact :  The three most valuable brand names on earth: Marlboro, Coca-Cola, and Budweiser, in that order.

Fact or Crap Question: Contrary to popular belief, beehives can have more than one queen.

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Answer:   CRAP The first born eats the other royal larvae to ensure that she rules alone.  The queen is descended directly from the previous queen and lives a life of gluttony, attended by her drones, during the warm-weather months.  As it become colder, she lays her eggs in a safe place and flies off to die in the cold.  Then the race to be born first begins, as the hive may only have one ruler..

Business Information 1-866-411-2002                                                                                                                                                                                                                mention my name for a FREE eBook

Justine Nupp Clark

mortgage questions

Real Estate Acquisition Firm
Office: 740 229-9642

Filed under: Foreclosure