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We Help You Act on a Prompting
When you act on a prompting you can change someone’s life. Our convenient system lets you send that birthday, anniversary or thank you card without the hassle of pen, paper, stamps, envelopes or mailboxes. Sending a card has |
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Why would Real Estate Agents use SendOutCards
when tools are already provided by Brokers?
- Send REAL birthday cards to clients and prospects without leaving your home or office (sent by the company, in an envelope, for you, through the regular mail, with a stamp). Cards can be in your own handwriting, with your own signature in them. (And, use your handwriting font and signatures in other programs such as Word.)
Wholesale* card cost = $.62; Retail card cost = $.98 (plus stamp)
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This is a legitimate program that was implemented beginning on June 1, 2011, from the Treasury Dept. It is a HAFA alternative Deed in Lieu program and does have some requirements.
Servicers have the discretion to approve sales to non-profit organization with the stated purpose that the property will be rented or resold to the homeowner, so long as all other HAFA program requirements are met.
NAR's Frequently Asked Questions - HAFA
(May 5, 2011)
Treasury Department Amends HAFA Program to Increase
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What is a Mortgage Late? When a customer does not pay their mortgage on time, their lender may report the lateness to a credit bureau. The severity of the lateness is measured by the number of days by which the payment is late. A lateness of 30 days is reported when 2 payments are due. A lateness of 60 days is recorded when 3 payments are due.
Did You Know ...NOD is a Mortgage Late?
...so if you are calling homeowners who have a 30, 60, |
Predarory Loan Origination Tactics, Predatory Loan Servicing Practices, Consumer Civil Rights Violations, Contract Misrepresentation, Mortgage Banking Errors, Violations & Fraud
FREE Lender FrauDetect Violation Analysis
- High percentage of Loans Originated from 2004 thru early 2009 had multiple State & Federal Lending or Consumer Civil Rights violations ether by mistake due to sloppiness or with intention due to pure WALL STREET greed.
- Many Mortgage loans with very commonly found
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The Alternative your lender won't tell you about!
Why is your lender willing to accept a larger potential loss having you sell your home in a short sale for far less than what you owe on your loan? MUCH less than what you ask them to adjust your loan to so you can afford your hame? Why do they turn down short sale offers then sell the homes for far less to investors after they've foreclosed on you?
- You only asked for a small reduction from what you owe.
- You're willing to continue
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LEGAL LIQUIDATION vs A STANDARD SHORT SALE
In today's environment the Standard Short Sale has almost as high a failure rate as the lender's voluntary Loan Modification. Maybe not a 97% failure rate but in many states it has been reported that close to 8 out of every 10 Short Sales fall very SHORT of permanent relief for the homeowner while banks enjoy Tax Payer (T.A.R.P) relief to offset their losses, Mortgage Insurance Loss Reimbursement Claims from the Private Mortgage INsurance (PMI) or
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What is a "Pre-NOD Lead, Anyway?
Pre-NOD leads are property owners that are either 30 - 60 -90 or 120 days late on their mortgages. The data is reported by the credit reporting agencies, and is delivered on a monthly basis (We get them every 3 weeks). This list is so awesome because the information is not public record (yet), which gives you a "leg-up" on your competition because you have access to information that is not otherwise available to the public.
The Pre-NOD leads is released every |
Hello and Happy New Year! Several new laws affecting the real estate industry have become effective as of January 1, 2011. Below is a short overview of a few new laws that may relate to your business:
Short Sale Deficiency Protection for Sellers:
Lenders who have agreed to a short sale will not have the ability to obtain a deficiency judgment against the seller after the short sale is completed.
Foreclosure Protection for Tenants:
Tenants remaining in a property |
Short Sale & Loan Modification Leads –
Distressed & Delinquent
Homeowners
Marketing to delinquent homeowners is tricky. The goal is to generate a
response that is ready to work on either a short sale or loan modification or
something in-between to avoid foreclosure. There are many options out there but
avoiding foreclosure is the most important and in most cases achievable if you
can approach the homeowner at the right time. Consumer
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How to Find New Customers and Increase SalesHow to better understand your target audience, generate new sales leads, and focusing on getting more revenue from existing clientele. In a perfect world, you would have an unlimited budget to market your business in order to find new customers and increase sales. You could buy lots of online and offline advertising, run promotions to build traffic in store and online, and launch a proactive public relations campaign to increase your product or |
 
Welcome to freehomeownershiphelp.org. This site is the result of a dedicated and comprehensive effort to provide free and applicable information to the general public in regards to the tough questions we face as a nation in an economic crisis. Some of these questions include:
Where is my bail out?
Do I qualify for a note |
Fannie Mae Deed-for-Lease Program
Fannie Mae is introducing the Deed-for-Lease Program (D4L), a program designed to minimize family displacement, deterioration of neighborhoods caused by vandalism and theft to vacant homes, and the effect these have on families, communities and home price stabilization.
D4L allows qualifying borrowers of properties transferred through deed-in-lieu of foreclosure (DIL) to remain in their home and community by executing a lease of up to 12 months in conjunction |
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For the week of Nov 16, 2009 --- Vol. 7, Issue 46 |
"A STEP IN THE RIGHT DIRECTION...BUT DON'T PUSH YOUR LUCK."
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"A STEP IN THE RIGHT DIRECTION...BUT DON'T PUSH YOUR LUCK." Barbra Streisand obviously wasn't singing about Bond prices or interest rates in her 1980's song. But those lyrics were fitting last week when the Federal Reserve stepped in with more buying of Mortgage Backed Securities (MBS), | |
Short Sales – Time to Take Control
I mentioned previously that as a society we don’t have the political will to foreclose on every mortgage in default. As a result, we see government interventions including foreclosure moratoriums, troubled asset relief, and new loan modification programs. However, these are at best stop gap measures — each failing to adequately reduce principal balances to address the core problem of negative equity.
It’s time to stop waiting for a government bailout or |
July 7, 2009
Dear C.A.R. Member:
We have good news to report: Property profiles again may be provided to you by title companies. As you may have heard, the California Dept. of Insurance (CDI)
issued a letter June 12 that was unclear in this respect. C.A.R.’s Governmental Affairs Dept. met with the Dept. of Insurance on July 2 and expressed concern about the interpretation of the June 12 letter and its impact on the market. The CDI said they did not intend their |
Home Valuation Code of Conduct
- Appraiser Independence Safeguards
- An "appraiser" must be, at a minimum, licensed or certified by the state in which the property to be appraised is located.
- No employee, director, officer, or agent of the lender, or any other third party acting as joint venture partner, independent contractor, appraisal management company, or partner on behalf of the lender, shall influence or attempt to influence the development, reporting, result, or review of an
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Does Freddie Mac Own Your Mortgage?
Call your servicer -- the organization to which you make your mortgage payments -- immediately if you are having difficulty paying your mortgage on time. The telephone number and mailing address of your mortgage servicer should be listed on your monthly statement. There are also a number of organizations that may be able to help you.
Your servicer should be able to tell you if your mortgage is owned by Freddie Mac. If you wish, you may conduct a search |
http://www.federalhousingtaxcredit.com/2009/glance.php
$8,000 Home Buyer Tax Credit at a Glance
- The tax credit is for first-time home buyers only.
- The tax credit does not have to be repaid.
- The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
- The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009.
- Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify
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