http://www.MyEliteLending.com
Jupiter FL Mortgage Banker and Broker Danny Poulos discusses how Zillow can kill real estate sales
Duration : 0:3:0
503.698.5801 – see today’s rates at www.GoNorthwestLoans.com
Duration : 0:8:17
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Duration : 0:2:11
Home Loan professional Rob Spinosa of http://www.themortgagedictionary.com defines and explains the mortgage subordination process. Many homeowners attempt to refinance a mortgage and already have a second mortgage or home equity line of credit (HELOC) that needs to stay in place. In order to make this happen, the new first lender must initiate a process to subordinate the junior lien, and the holder of the second mortgage must agree to the subordination. From a borrower standpoint, this process must be understood so that the refinance transaction progresses smoothly and closes successfully and without additional cost or trouble. Rob covers the most important points about home Loan subordinations and provides tips on how to work with your bank or Mortgage broker. Also mentioned are some of the fundamentals of real estate title and ownership interests and rights.
This short video contains the basics, and answers, “What is a refinance subordination?” and “How to refinance with a second mortgage?”
For more information or to begin the pre-approval process, contact Rob Spinosa at rspinosa@rpm-mtg.com or by phone at 877-270-5959. Rob is a mortgage banker at RPM Mortgage in Mill Valley, California, just north of San Francisco. He is able to assist anyone in the state of CA, and can be found on social media platforms as below:
http://www.facebook.com/homefinancefundamentals
http://www.youtube.com/HomeFinanceFund
http://www.linkedin.com/in/robspinosa
http://www.twitter.com/robspinosa
Duration : 0:2:55
Mortgage rates hit another record low this week, marking a unique opportunity for people to buy or refinance a house. KMBC 9’s Martin Augustine reports.
Duration : 0:2:16
What are the real costs of a bad credit auto Loan? In this video, Auto Credit Express covers the additional monthly costs to consider when choosing a vehicle. Please visit http://www.autocreditexpressvideo.com for more information.
Duration : 0:1:55
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http://realestatemarketingthisweek.com- Real Estate Marketing – Foreclosure rates on Forbearance Agreements done with banks reaches 58% – With Michael J Barnes and Dan Havey of Real Estate Marketing This Week
Part 3 – In studio with us today on this fine New years eve is Dan Havey, the co founder of the modification hotline as well as the author of The Foreclosure Sharks a great white paper he put together. He is also the author of Real Estates Future and this segment we are talking about loan modifications and some specific information.
You also have a great story to tell about this to. Well unfortunately I have too many stories about people who have had to go through foreclosures, bankruptcies, loan modifications. The one story I want to talk about real quick is a friend of mine who unbeknownst to me went out and did a Loan modification on her own and not to get into a whole bunch of technical details on it she ended up getting a pretty decent interest rate because they actually cut her Mortgage payment in half and she was pretty happy about that.
She owed a little bit more than the house was worth, she wasnt terribly upside down, but by the time they got done with her she certainly was going to be because the modification, and actually I should not call it a modification, I should call it a forbearance agreement, what they did to her was to say, OK we will cut your interest rate in half, we will cut your monthly payment in half, but we will take all of that deferred interest and tack it onto the back end of the loan. So that by the time her interest rate went back to where it had been, it was going to adjust up over the next five years, so that within that five year time period she was actually going to owe $60,000 in back interest on top of the principal balance that she had before she went to go talk to her bank.
What kind of a deal is that? I didnt think it was a very good one and she ended up eventually not taking it and just recently let the house go back to the bank, because she just looked at it and said, Wait a second here, I am already $20,000 upside down, by the time Im done with you guys I will be $80,000 upside down and so great I get a cheaper payment for a while. She moved into a rental property that was even cheaper then what she would have had to pay to stay in the house and from what she tells me the house is nicer.
Some of the unfortunate scenarios that come up that we get to see. Unfortunately we talk to lots of people that have similar situations, trying to do these on their own and it is possible to do a loan modification on your own. We know that, the program is designed for you to do that. The problem is it generally does not work out.
The re-default rate on loan modifications done on your own is significantly higher than loan modifications facilitated by an attorney that is representing you, for a number of reasons. Number one you have to pay an attorney to represent you. The other is that I think you are going to get a better modification based its not just a negotiation between you and the loss mitigation department for the bank. We are talking about using a professional attorney who is a trained negotiator to negotiate on your behalf with another attorney. By the way, theyre not talking to the same loss mitigation people in India that you may be talking too.
Here are some numbers that just came out from John Dugan who is the Office of the Comptroller of the Currency and they did a study of the loan modifications that have been done to date. In many cases these were forbearance agreements, not loan modifications. If an individual talks to his bank, generally speaking he will not get the same as result as what an attorney would do, so most of these are really forbearance agreements. And in that case, 36% had defaulted or were 30 days past due after 6 months and 58% were in default after 8 months. Again that is 58% in default after eight months and I saw some numbers the other day and unfortunately I didnt bring them in with me today, that according to some study of the very few modifications that have been done using an attorney, I say very few, but it is still thousands or tens of thousands, but few compared to what is getting done directly with the bank, the number is only like 5% of the ones done with an attorney have re-defaulted and again I dont have the numbers with me so I cant site the source… http://realestatemarketingthisweek.com/foreclosure-rates-on-forbearance-agreements-reaches-58/
Duration : 0:5:47
http://www.AssociationForResponsibleLending.org
The Foundation for Safe and Responsible Lending
Consumer installment loans, long considered the foundation for safe and responsible lending, are in vogue again. This proven money management practice for personal debt is based on sound financial principles and good insight into human nature.
Personal installment loans are a transparent, affordable and disciplined form of credit which helps consumers meet important economic needs. In critical circumstances, these loans also help smooth out income fluctuations and disruptions from unexpected events like car repairs or medical expenses. An installment loan provides a properly structured and timely repayment schedule based on an individual’s actual ability to pay. It also inherently creates the satisfaction associated with achieving important financial goals through the practice of personal responsibility.
Protecting Consumer Access to Responsible Credit
Consumers Making Good Decisions for the Right Reasons
The Same As It Was Over 100 Years Ago
With traditional installment loans, the process today is the same as it was over 100 years ago. The industry provides high quality loans in a strongly regulated marketplace with all appropriate consumer protections—without having to rely on taxpayer subsidies. Clearly, it is imperative to keep a healthy, diversified private enterprise consumer loan industry available in this country. When lending is available through private enterprise, we eliminate any further burden to taxpayers, while ensuring the most efficient use of capital in delivering this vital service. Thus this business, originally founded to protect consumers, remains the most viable financial option for meeting basic credit needs.
Experts agree, consumer credit is essential to the economic wellbeing of our economy. By providing responsible, affordable, and disciplined credit, the traditional installment loan, underwritten and serviced through private enterprise, continues to help consumers satisfy important credit needs.
Because of its intrinsic discipline and reliability—in a time of economic crisis—people are once again returning to the traditional consumer installment loan as the most responsible form of credit available in America.
http://www.ResponsibleConsumerLoans.org
http://www.KentYounce.com
http://www.KentYounceSecurity.org
http://www.NilaOnline.org
http://www.PsychologyOfWealth.org
This website is dedicated to providing information about the small-dollar personal loan industry, its history and current financial news. We look at how the personal installment loan industry began and how these loan products continue to serve consumers today.
Small-Dollar Personal Installment Loan
The traditional small-dollar personal installment loan has been the responsible, affordable, and safe lending option for consumer’s borrowing needs for the past 100 years. Here’s why:
A Long History
We are a licensed and regulated industry that was created over 100 years ago to provide responsible, affordable, and safe small-dollar personal loans. Our loans are given one-on-one. Customers can call to request a personal loan and then come in to discuss their budget and needs.
Uncomplicated Simplicity
Our personal loans are simple and straight forward with no tricks or traps. They are fixed rate, simple interest, small-dollar loans with no hidden terms or confusing wording.
Safe & Responsible
Our loans are high touch—a one‐on‐one credit product that promotes accountability and financial success for the borrower and lender. Our lending is conducted the “old fashion way,” face to face. Applications are taken, information is verified, and budgets are reviewed. When our customers succeed, we succeed!
Disciplined & Sensible
With the traditional personal installment loan, debt is reduced on a timely schedule that helps to both minimize interest costs and avoid situations that lead to financial distress. Personal installment loans have no balloon payments that people can’t afford, or minimum payments which allow people to borrow more than they should or keeps them in debt much longer than they need to.
A Loan that is Needed Now More than Ever
Small-dollar installment credit has always been in demand for unexpected personal expenses and important household purchases. This is true today as it was over 100 years ago, when the licensed and regulated small-dollar installment industry was created. The recent FDIC Small Loan study stated that there is, and always has been, a significant need for small-dollar personal loans.
★ http://AssociationForInstallmentLending.org
★ http://ResponsibleConsumerLoans.org
★ http://PsychologyOfWealth.org
★ http://KentYounce.com
★ http://KentYounceSecurity.com
★ http://NilaOnline.org
Duration : 0:2:59
Looking for a Home Loan? Our focus is all about YOU! Whether you’re a first home buyer, property investor, upgrading your home or simply looking for a better deal on your existing Home Loan, Think Advantage offers more Choice, better Service & the right finance Solution by comparing products and interest rates from Australia’s top lenders. Our unmatched service experience, provides professional advice & personal support throughout the loan process from application right through to settlement ensuring we’re with our clients every step of the way. Servicing all areas, our Finance Managers meet at a time & place that suits, which saves you time & takes the hassle out of running around to find the right home loan. For a free, no obligation appointment contact the team at Think Advantage today on (03) 9761 1881 or email us at info@thinkadvantage.com.au – To learn more about the unique benefits our clients receive, please visit us at http://www.thinkadvantage.com.au
Duration : 0:2:31
Rob Spinosa of http://theMortgagedictionary.com explains the closing costs commonly associated with a residential mortgage purchase or refinance transaction. Covered in this video are lender fees, title and closing charges and prepaid items, such as real estate taxes, homeowner’s insurance and mortgage interest. If you are comparison shopping for the best home loan, the information contained here will help you interpret the Good Faith Estimate provided by any bank or broker and determine which offer best suits your home finance requirements. Also discussed in this short video are discount points, origination fees, appraisal costs and miscellaneous title, escrow and closing fees (notary, signing, document preparation, recording, etc.). Rob Spinosa is a Home Loan professional with RPM Mortgage in Marin County, California and he can be reached at 877.270.5959 or by e-mail at rspinosa@rpm-mtg.com. You can apply for a mortgage Loan directly online at http://www.themortgagedictionary.com.
Duration : 0:2:53