Short Stories

Speaking of FHA Mortgages and Blogs of FHA

2010-01-25T18:30:00.000-08:00

Did somebody say that this was the fha mortgage blog or did I misunderstand all of this? What I am asking is that if the FHA BLOG is to be presumed to be substantially different than the FHA Mortgage Blog then what do we have?

I think we can take this excerpt for clarification. There are three ways you can change fha blog indents. One is by clicking on fha mortgage blog buttons. Another is by moving the aforementioned triangles on the horizontal ruler. The horizontal ruler appears just below your fha mortgage blogs. If you don’t see a ruler above the top of your document, click on View, then Ruler. While not exactly Reveal Codes, it can be useful to help you see where you are adjusting your indent settings.

The third way to make your changes is by using the Fha blog format dialog box. Click on Format, then Fha blog, and then the Indents and Spacing tab to view the dialog box that lets you change indent settings. You can set your indents with more precision in this box, and there are other fha blog format settings you can change there as well. One last thing before we review the different kinds of indents. Please remember that when you change indents as described in the following, you will only change the indents for the fha blog where your federal housing adminstration blog is currently placed. Of course, you can also change multiple fha blogs simultaneously by selecting the desired fha blogs before you make your changes.

If you want to change indents for the entire document, select all the text in the document before making your changes by pressing Ctrl+A, or clicking on Edit, then Select All. (And yes, you can also set and change document indents with Styles, but that is a topic for another day.)

Time then to review how you create and change the five different types of indents in Word: left, right, first line, hanging and negative.

See the FHA mortgage blog for more detailed information on this and the federal housing administration.

Mr Simpson Will Finally Receive A Principal Reduction Loan Mod

2009-07-26T13:13:00.000-07:00

Tell me one more time why the principal reduction loan modification should NOT be approved for Mr Simpson. Please, please, please approve this principal reduction loan modification. If you will not approve this loan modification, then I will write a post about the inner-workings of the loss mitigation department where I work. You MUST approve the principal reduction loan modification TODAY!

Thank you for your help with Mr Simpson’s principal reduction loan modification.

New Devolopments in Florida Short Selling

2009-06-07T18:55:00.000-07:00

What I florida short sale is:

1. A defaulted mortgage in Florida for a upside down real estate, said Florida realtor having a pair of rearward parallel bankruptcy attorney members and a fifth Countrywide Loan Officer, comprising: an upward vertically-expandable JP Mortgage Chase loss mitigation department located between said bankruptcy attorney members at the rear portion of the latter and behind the fifth Countrywide Loan Officer of said Florida realtor; a pair of mounting bars, transversely secured to the rear portions of both bankruptcy attorney members; a support plate, rigidly secured to said mounting bars and to the lower end of said JP Mortgage Chase loss mitigation department, to support the latter; a rotation plate, secured to the top end of said JP Mortgage Chase loss mitigation department; a transverse member, rigidly secured to said bankruptcy attorney members forwardly of said JP Mortgage Chase loss mitigation department; and at least one longitudinal stabilizing arm, pivotally secured by first and second pivot members to said rotation plate and to said transverse member, respectively; anti-friction means between the top of said JP Mortgage Chase loss mitigation department and the lower surface adjacent thereto of said trailer, whereby actuation of said JP Mortgage Chase loss mitigation department transfers weight from said fifth Countrywide Loan Officer rearwardly over the traction Countrywide Loan Officers of said Florida realtor.

2. A defaulted mortgage in Florida as defined in florida short sale 1, wherein said first and second pivot members define pivotal axes which are parallel, horizontal, and transverse to the longitudinal axis of the truck.

3. A weight transfer means as defined in florida short sale 1, wherein there are two of said stabilizing arms.

4. A weight transfer means as defined in florida short sale 3, wherein said antifriction means consists of a pair of rollers mounted on top of said rotation plate and each disposed along a radial line extending from the center of said fifth Countrywide Loan Officer.

5. A defaulted mortgage in Florida as defined in florida short sale 4, wherein each bankruptcy attorney members is provided with an upward forwardly-inclined ramp forwardly of said rotation plate.

6. A defaulted mortgage in Florida as defined in florida short sale 5, wherein each said upwardly-forwardly inclined ramp extends between the horizontal planes defined by said support plate and said rotation plate, at least when said expandable JP Mortgage Chase loss mitigation department is inflated to its operative condition.

Where DId The FHA Streamline Refinance Go?

2008-12-23T21:41:00.000-08:00

In times of sporadic enthisiasm, the FHA lenders may offer streamline refinances and include the closing costs into the new mortgage amount. This type of FHA mortgage Broker in Floirda can only be done if there is sufficient equity in the property, as determined by an FHA appraisal. FHA streamline refinances can also be done in Florida without appraisals, but the new loan amount cannot exceed the original loan amount or FHA loan limits in Florida. Investment properties (properties in which the borrower does not reside in as his or her principal residence) may only be refinanced without an appraisal and this might surpris and FHA borrower.

FHA Streamlines in Florida

Refinances that are Short FHA Funds

2008-10-06T18:29:00.000-07:00

There are occassionally fha short refinances that are available from time to time.

FHA Shorted Refinance Periods

2008-09-25T20:41:00.000-07:00

Not sure is this is the same as FHA short refi and I'm sure it really is different afterall. The importance of a refinance through FHA is yet to be determined unless you are refinancing with a shortened FHA mortgage loan with a reduce payoff. ANd in that scenario, you have an FHA short refi.

FHA SHORT REFINANCE

Some Mortgage Websites & Domain Names

2008-09-21T17:27:00.000-07:00

Here is a partial list of mortgage websites and domain names. The mortgage websites have a personal name and this is called a mortgage domain name. It has to do with loans, lending, and loaning people (or borrowers) money. Your mortgage domains are as follows:

WWW.KARENLOANS.COM

WWW.KARLSLOANS.COM

WWW.KATHRYNLOANS.COM

WWW.KEITHSLOANS.COM

WWW.KELLYLOANS.COM

WWW.KEVINLOANS.NET

WWW.KIMSLOANS.COM

WWW.KYLESLOANS.COM

WWW.LATANYALOANS.COM

WWW.LEEANNLOANS.COM

WWW.LEONLOANS.COM

WWW.LESLEYLOANS.COM

WWW.LESLIESLOANS.COM

WWW.LESS4LOANS.NET

WWW.LESTERLOANS.COM

WWW.LINDASLOANS.COM

These mortgage websites are different from the domain names that are mortgage websites on other areas for lending and loans.

Mortgage Domains and mortgage websites for sale.

Foreclosure or short sale preapprovals

2008-08-30T14:50:00.000-07:00

Even Hollywood's rich and famous can't avoid the short sales and preappovals that's sweeping the nation. In Florida, only 4,430 homes were sold by short sale and through the preapproval of short sales in Floirda. In December, down 48% from the short sale prices in Florida from the previous year. And short sale preapprovals fell 11% to an average $170,000.

Of course, celebrity short sale preapprovals cost much more than that. An normal preapproved short sale in Florida for an up-and-coming short sale expert is at least $1.4 million in Florida real estate, say someone in short sale land. Realtor Floirda short sale preapproval guy of Florida Foreclosures says it's the owners trying to sell short sales without a preapproval letter that are having the most trouble. This is also common with financing Sarasota Florida foreclosures. Many times a loan modification can avoid foreclosure.

Young rocker Florida short sale preapproval has had to reduce the short sale price on her five-bedroom, six-bath house in Florida from $2 million to $1.8 million. The property is currently in preapproval statues with teh florida short sale. The Florida short sale expert is now encouraged to study more on short sales in Florida and it is a home is in a gated community just off Florida panhandle and includes a tennis court and pool. Since Florida foreclosure realtor put the house on the market in February 2008, two offers have fallen through. In the public listing, her agent calls the house "One of the best short sale values on the market today and it is a Florida preapproved short sale to boot."

When it comes to Florida real estate, short sale preapprovals are generally treated much differently than other Florida foreclosures.

Texas Debt Collection Update

2008-08-09T20:23:00.000-07:00

A Dallas collection agency accused of sending letters that violate various consumer protection regulations said that it found out the Texas Attorney General had filed a suit against it through third parties, according to a statement released late Thursday.Anderson, Crenshaw & Associates said that it has not been served with the lawsuit and could not specifically comment on any of the allegations. The Texas AG’s office announced Wednesday that it had filed a suit against the company alleging numerous violations of both state law and the Fair Debt Collection Practices Act (FDCPA) (“Texas Attorney General Goes After Debt Collection Agency,” Aug. 7).

The attorney general’s office said that its enforcement action seeks civil penalties of up to $20,000 for each violation of the Texas Deceptive Trade Practices Act and penalties of up to $250,000 each if the consumer was over 65 years of age.Crenshaw noted in its statement that the company had fully cooperated with the AG’s office. “Crenshaw has fully cooperated with the Attorney General regarding any questions or requests for information they had regarding Crenshaw’s business operations,” according to the statement.

The company also noted that a no time had the AG’s office indicated that it was unsatisfied with the company’s response.Crenshaw said that it “looks forward to working with the Attorney General to obtain a fair resolution of all issues.”

Probelms with deficiency judgments in florida foreclosures

2008-08-03T14:04:00.000-07:00

There are many problems with recourse and non-recourse mortgage loans. The bigger problem has to do with recourse loans when the lender is seeking a deficiency judgment in a florida foreclosure. Much is said about these deficiency judgments - whether you call it a deficiecny judgment, summary judgment, default judgement, or even if you mispell it as a deficiecny judgement - the consensus is that deficiecnyc judgments in florida are bad news.

Look at these artcles discussing florida deficiency judgments and post a comment to let me know that we are looking at the florida foreclosures the same was as the courts may or may not interepret these judgments. I will check back to see the comments that you have made and then we can discuss the deficiency judgments in more detail after examining the collectibility of a judgment in a foreclosure action in florida specifically.

Try not to obtain an FHA mortgage in Florida when you have a judgment to be concerned about. The liklihood of obtaining a mortgage loan with a deficiecny are slim to none and -you guessed it - Slim just left town. Thanks for reading and please post a comment to let me know your thoughts about deficiency judgments.

Short Sale Exit With FNMA Flip

2008-07-19T18:51:00.000-07:00

There was a real estate investor or maybe it was a realtor in Florida talking about FNMA Flip and the policy that FNMA had with Flips in Florida. The FNMA MyCommunity Mortgage loan was the subject of the short sale. The short sale was purchased with a FNMA loan. The FNMA oan was flipped in a FNMA flip transaction.

There have been FNMA flips for a long time in Florida. This is nothing new. What is new is that now we know the FNMA flipping rules for short sale investing. This is how FNMA short sale underwriters views this type of transaction and I just thought it was helpful.

Examining FNMA Flips with short salleing of real estate. That is the Federal National Mortgage Association for those of you who don't know.

Matrix FHA MIP FICO

2008-07-15T19:34:00.000-07:00

This is the matrix for MIP, FICO, and FHA. If you haven't checked out the FHA MIP FICO MATRIX then get to it. Your fha loans are costing more money these days and the MIP for FHA will be based on a perceived risk to the FHA pool of government sponsored loans.

FHA MIP FICO CHART

Define Option Contract & Florida Real Estate

2008-07-12T15:47:00.000-07:00

Let’s take a look at the word Option. The definition of “Option” is provided by Investorwords.com:

“The right, but not the obligation, to buy (for a call option) or sell (for a put option) a specific amount of a given stock, commodity, currency, index, or debt, at a specified price (the strike price) during a specified period of time. For stock options, the amount is usually 100 shares. Each option has a buyer, called the holder, and a seller, known as the writer. If the option contract is exercised, the writer is responsible for fulfilling the terms of the contract by delivering the shares to the appropriate party. In the case of a security that cannot be delivered such as an index, the contract is settled in cash. For the holder, the potential loss is limited to the price paid to acquire the option. When an option is not exercised, it expires. No shares change hands and the money spent to purchase the option is lost. For the buyer, the upside is unlimited. Options, like stocks, are therefore said to have an asymmetrical payoff pattern. For the writer, the potential loss is unlimited unless the contract is covered, meaning that the writer already owns the security underlying the option. Options are most frequently as either leverage or protection. As leverage, options allow the holder to control equity in a limited capacity for a fraction of what the shares would cost. The difference can be invested elsewhere until the option is exercised. As protection, options can guard against price fluctuations in the near term because they provide the right acquire the underlying stock at a fixed price for a limited time. risk is limited to the option premium (except when writing options for a security that is not already owned). However, the costs of trading options (including both commissions and the bid/ask spread) is higher on a percentage basis than trading the underlying stock. In addition, options are very complex and require a great deal of observation and maintenance. also called option contract.”

Now let’s take a look at the word Contract. The definition of “contract” as provided by Investorwords.com is:

“A binding agreement between two or more parties for performing, or refraining from performing, some specified act(s) in exchange for lawful consideration.”
When we put them to gether, we have the option contract. You may use the option contract to purchase a short sale in the State of Florida. Much has been written about Florida real esate and the short sales that can be bought and sold with the option contract. To learn more, simply follow the option contract for Florida real estate and you will learn much more about Florida short sales.

Locate Florida short sales with option contracts and in other real estate markets.

Conclusion of Current, FHA, and APR

2008-07-04T15:23:00.000-07:00

This is my final post of the hour regarding current fha apr. You may have been hearing much around the internet about the current fha apr and you have decided to check in with the FHA loan expert to see what’s what with regards to the current FHA APR. I will not keep you in suspense and longer. Here are the website to visit to check on current FHA APR:

Your story on FHA APR that is Current
My viewpoints on TILA, APR, Current and FHA
The CURRENT FHA APR site
Don’t listen to the dissension on current fha apr
You will apr fha current until I see fit
TILA examines current FHA APR
This is your last fha apr current post

As you can see there has been a great deal written today on the current fha apr situation and there will undoubtedly be much more on the fha apr situation in coming months. Stay tuned for the effects of the current fha apr dilemma and above all, make sure you don’t read too many boring posts like this one about current, fha, and APR.

Finding Fun Short Sales in Bay County Florida

2008-06-28T13:26:00.001-07:00

Take a look around bay county these days and wwhat do you see? SHORT SALES OF REAL ESTATE..in Bay County Florida, that's about it.

I was having a walk around the beach in Panama City and I saw the short sale on teh corner lot that was a foreclosure twice. It had a lis pendens in Bay County Florida and I said "Wait a second!" and then I said "Where is the short sale of real estate in Florida?".

As I was saying that, a real estate salesperson in bay county or panama city florida drove away with my short sale. The license plate said Bay County Real Estate and short sale investor. Or maybe that was the bumper sticker but you get the idea. The idea is that there are a lot of short sale properties in Bay County Florida.

Florida real estate in Bay County is available for sale. The bankupt home builders in panama City Florida have abandoned the homes and now they are all short sales of real estate.

Florida real estate for sale. REAL ESTATE IS FOR SALE!!! So BUY AND SELL HOMES please!

More on Alachua Short Sales in FLorida

2008-06-22T14:46:00.000-07:00

This is the final short sale of real estate in florida post. You may think it is all about Alachua county florida and if so, then click the Alachua county real estate short sale links. Here they are:

Short Sale Alachua

Alachua Short Sales

Florida Gainesville Short Sale

Short Sale Alachua Florida

Florida Real Estate Alachua

Alachua and the Short Sale Epidemic

My Short Sale is in Alachua Florida

These are a few of the important Alachua florida real estate information links. You may have more to add and if you do then please add a comment to this post and let’s all chip in to help Alachua county florida real estate and shorts sales. Goodbye and have a short sale with your lunch today.

SHORT SALE ALACHUA COUNTY FLORIDA

Understanding FHA Secrets and RISK BASED PRICING

2008-06-17T19:21:00.000-07:00

They tried to keep me quite about fha risk based pricing and how the MIP adversely affects certain individuals. I won't accept anybodys hush money. I'll type the secrets of FHA MIP RISK BASED PRICING and the politicians and the industry people that are pocketing FHA MIP are not going to stop this post.

I first must tell you that the FHA risk based pricing and risk adjusted pricing for FHA and the MIP fund came about becuase of the FHA solvency issue. Now it is growing from the MIP fund and the level of risk for the FHA mortgage insurance premiums are unbearable.

FHA Level Pricing based on credit scores.

SHORT OPTION CONTRACTS

2008-06-10T20:08:00.000-07:00

My final post on the option contract, so here are the links for you:

http://myfirstblog12.blogspot.com/2008/06/option-contract-short-sales-title.html

http://zkt145.blogspot.com/2008/06/dynamics-of-short-sales-option.html

http://short-sale-real-estate.blogspot.com/2008/06/explain-option-contract-short-sales.html

http://scientifichousing.blogspot.com/2008/06/finding-title-company-for-closing.html

http://larrylinkler.blogspot.com/2008/06/option-contracts-have-been-used-widely.html

http://moneypaystherent.blogspot.com/2008/06/title-policy-for-option-contract-and.html

http://housingboomgonebust.blogspot.com/2008/06/finally-i-can-list-title-companies-of.html

Before you decide about which option contract, title company, short sale, and real estate is appropriate for you, you must click the links above, touch yournose and say "I am an option contract of real estate to be used in a shorts ale" three time. Then click the links again repeating the short sale words above and take two asprin and call me in the morning. Goodnight!

Flagler County FLorida Discounts on Real Estate

2008-06-08T15:19:00.000-07:00

There was a story about Flagler county and it made me think of Flagler county florida and the discounts available on real estate there. You can ride a motorcycle with Robbie Kneivel in Flagler County florida and he may ride the bike over the discounted real estate in Flagler county. Here is an example of Flagler county real estate that is selling at a discount.

Short Sales are available in Flagler county real estate if you talk to the real estate agent in Flagler county florida. You may learn that the title company for real estate settlement in Flagler county is running around with flagler short sales on her t-shirt. They sell these shorts in Flagler county for anyone buying real estate in Flagler county. One way to examine the benefit of locating real estate online in Flagler county real estate in florida is to use an fha mortgage loan for the down payment of funds on the Flagler real estate.

Flagler County Real Estate Discounts.

Let's Talk About Real Estate in Flagler County Florida

2008-06-05T16:36:00.000-07:00

Let's get right to flagler county florida real estate. I know you want to hear a housing story about real estate in flagler county. This is why the real estaet in flagler county florida is so cheap.

The house and condo that you bought in flagler county florida may not be worth what it was yesterday. In comparison to teh cost of real estate of flagler county florida homes and condos, you can say that today's prices are cheap. Cheap real estate in flagler county is in the flagler county newspapers all day long. What does taht tell us about the flagler county short sale?

You have to assume that the flagler county real estate short sales are cheap too. And that my friends is the flagler county florida real estate update for today.

FLAGLER COUNTY FLORIDA CHEAP REAL ESTATE

Say FHA score below 580 one more time!!!

2008-06-03T20:23:00.000-07:00

The underwriter finally approved my borrower with an fha loan under 580 credit score. It took some time and no the fha loan didn’t have a nice fancy 620 fico score attached to it. It took a while for the 620 credit score to go from fha and back to a 580 credit score fha. All in all it was an fha loan with a 580 credit score.

You may be wondering where the fha loan under 620 fico is available. I am not sure if your credit score is a 580 fico or a 620 or if you like FHA loans at all. You may be a real estate investor or you may be an fha appraiser. You could be anyone with a credit score below 580 and obtain an fha mortgage loan given certain circumstances for fha and that the fha guidelines and rules are followed for credit score below 620.

Take a look at the fha loans for borrowers to buy below 620 fico scores.

Lienholder Removal in Florida Song

2008-05-26T17:24:00.000-07:00

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Florida short sale with liens, Florida short sale with liens, you're the girl for me.You don't know me but you make me so happy.I tried to call you before but I lost my nerve.I tried my imagination, but I was disturbed.
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I got it, I got it, I got it!I got your number on the wall!I got it, I got it, I got it!For a good time, for a good time call....
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I saw my fha credit score and FREAKED!

2008-05-15T20:38:00.000-07:00

I saw my low credit score and was confronted with an fha mortgage loan denial. The fha credit scorew was too low forapproval with one lender. I then began to look for another fha mortgage lender to fund my fha loan with a low fico score.

The journey took many days and was filled with peril and much fha manual underwriting. I was steadfast in my fha manual underwrite and went from fha mortgage loan processor to fha mortgage loan processor with my credit report and low fha credit score. Then it happened. I had almost given up on my fha loan with a low credit score.

I looked up and say an fha lender that was willing to fund my fha loan with a credit score below a 620. Then I kept going down the fha mortgage lender list and found another fha lender under 580. Finally I found an fha mortgage lender down to a 520 credit score and got my fha loan.

Mortgage on fha and credit scoring approvals in future articles.

Foreclosuer Consultant FLorida Bill

2008-04-26T11:08:00.001-07:00

A bill to be entitled
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An act relating to foreclosure fraud; creating s.
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501.1377, F.S.; providing legislative findings and intent
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with respect to the need to protect homeowners who enter
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into agreements designed to save their homes from
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foreclosure; providing definitions; prohibiting a
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foreclosure-rescue consultant from engaging in certain
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acts or failing to perform contracted services; requiring
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that all agreements for foreclosure-related rescue
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services and foreclosure-rescue transactions be in
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writing; specifying information that must be in the
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written agreement; requiring that certain statements in
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the written agreement be in uppercase letters and of a
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specified size; providing that the homeowner has a right
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to cancel the agreement for a specified period and the
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right may not be waived; providing that the homeowner has
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a specified period during which to cure a default under
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certain circumstances; requiring equity purchasers to
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assume or discharge certain liens; requiring that an
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equity purchaser verify the homeowner's ability to make
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payments under a repurchase agreement; providing price
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limitations for repurchase transactions; providing for a
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rebuttable presumption of certain transactions being
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unconscionable under certain circumstances; providing for
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limited application of the presumption; providing an
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exclusion; providing that a foreclosure-rescue transaction
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involving a lease option or other repurchase agreement
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creates a rebuttable presumption that the transaction is a
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loan transaction and the conveyance from the homeowner to
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the equity purchaser is a mortgage; providing limited
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application of the presumption; providing an exclusion;
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providing that a person who violates certain provisions
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commits an unfair and deceptive trade practice as defined
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in part II of ch. 501, F.S.; providing penalties;
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repealing s. 501.2078, F.S., relating to violations
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involving individual homeowners during the course of
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residential foreclosure proceedings; providing an
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effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. Section 501.1377, Florida Statutes, is created
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to read:
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501.1377 Violations involving homeowners during the course
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of residential foreclosure proceedings.--
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(1) LEGISLATIVE FINDINGS AND INTENT.--The Legislature finds
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that homeowners who are in default on their mortgages, in
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foreclosure, or at risk of losing their homes due to nonpayment
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of taxes may be vulnerable to fraud, deception, and unfair
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dealings with foreclosure-rescue consultants or equity
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purchasers. The intent of this section is to provide a homeowner
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with information necessary to make an informed decision regarding
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the sale or transfer of his or her home to an equity purchaser.
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It is the further intent of this section to require that
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foreclosure-related rescue services agreements be expressed in
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writing in order to safeguard homeowners against deceit and
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financial hardship; to ensure, foster, and encourage fair dealing
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in the sale and purchase of homes in foreclosure or default; to
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prohibit representations that tend to mislead; to prohibit or
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restrict unfair contract terms; to provide a cooling-off period
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for homeowners who enter into contracts for services related to
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saving their homes from foreclosure or preserving their rights to
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possession of their homes; to afford homeowners a reasonable and
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meaningful opportunity to rescind sales to equity purchasers; and
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to preserve and protect home equity for the homeowners of this
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state.
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(2) DEFINITIONS.--As used in this section, the term:
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(a) "Equity purchaser" means any person who acquires a
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legal, equitable, or beneficial ownership interest in any
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residential real property as a result of a foreclosure-rescue
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transaction. The term does not apply to a person who acquires the
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legal, equitable, or beneficial interest in such property:
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1. By a certificate of title from a foreclosure sale
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conducted under chapter 45;
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2. At a sale of property authorized by statute;
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3. By order or judgment of any court;
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4. From a spouse, parent, grandparent, child, grandchild,
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or sibling of the person or the person's spouse; or
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5. As a deed in lieu of foreclosure, a workout agreement, a
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bankruptcy plan, or any other agreement between a foreclosing
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lender and a homeowner.
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(b) "Foreclosure-rescue consultant" means a person who
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directly or indirectly makes a solicitation, representation, or
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offer to a homeowner to provide or perform, in return for payment
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of money or other valuable consideration, foreclosure-related
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rescue services. The term does not apply to:
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1. A person excluded under s. 501.212.
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2. A person acting under the express authority or written
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approval of the United States Department of Housing and Urban
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Development or other department or agency of the United States or
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this state to provide foreclosure-related rescue services.
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3. A charitable, not-for-profit agency or organization, as
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determined by the United States Internal Revenue Service under s.
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501(c)(3) of the Internal Revenue Code, which offers counseling
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or advice to an owner of residential real property in foreclosure
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or loan default if the agency or organization does not contract
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for foreclosure-related rescue services with a for-profit lender
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or person facilitating or engaging in foreclosure-rescue
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transactions.
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4. A person who holds or is owed an obligation secured by a
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lien on any residential real property in foreclosure if the
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person performs foreclosure-related rescue services in connection
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with this obligation or lien and the obligation or lien was not
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the result of or part of a proposed foreclosure reconveyance or
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foreclosure-rescue transaction.
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5. A financial institution as defined in s. 655.005 and any
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parent or subsidiary of the financial institution or of the
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parent or subsidiary.
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6. A licensed mortgage broker, mortgage lender, or
110
correspondent mortgage lender that provides mortgage counseling
111
or advice regarding residential real property in foreclosure,
112
which counseling or advice is within the scope of services set
113
forth in chapter 494 and is provided without payment of money or
114
other consideration other than a mortgage brokerage fee as
115
defined in s. 494.001.
116
(c) "Foreclosure-related rescue services" means any good or
117
service related to, or promising assistance in connection with:
118
1. Stopping, avoiding, or delaying foreclosure proceedings
119
concerning residential real property; or
120
2. Curing or otherwise addressing a default or failure to
121
timely pay with respect to a residential mortgage loan
122
obligation.
123
(d) "Foreclosure-rescue transaction" means a transaction:
124
1. By which residential real property in foreclosure is
125
conveyed to an equity purchaser and the homeowner maintains a
126
legal or equitable interest in the residential real property
127
conveyed, including, without limitation, a lease option interest,
128
an option to acquire the property, an interest as beneficiary or
129
trustee to a land trust, or other interest in the property
130
conveyed; and
131
2. That is designed or intended by the parties to stop,
132
avoid, or delay foreclosure proceedings against a homeowner's
133
residential real property.
134
(e) "Homeowner" means any record title owner of residential
135
real property that is the subject of foreclosure proceedings.
136
(f) "Residential real property" means real property
137
consisting of one-family to four-family dwelling units, one of
138
which is occupied by the owner as his or her principal place of
139
residence.
140
(g) "Residential real property in foreclosure" means
141
residential real property against which there is an outstanding
142
notice of the pendency of foreclosure proceedings recorded
143
pursuant to s. 48.23.
144
(3) PROHIBITED ACTS.--In the course of offering or
145
providing foreclosure-related rescue services, a foreclosure-
146
rescue consultant may not:
147
(a) Engage in or initiate foreclosure-related rescue
148
services without first executing a written agreement with the
149
homeowner for foreclosure-related rescue services; or
150
(b) Solicit, charge, receive, or attempt to collect or
151
secure payment, directly or indirectly, for foreclosure-related
152
rescue services before completing or performing all services
153
contained in the agreement for foreclosure-related rescue
154
services.
155
(4) FORECLOSURE-RELATED RESCUE SERVICES; WRITTEN
156
AGREEMENT.--
157
(a) The written agreement for foreclosure-related rescue
158
services must be printed in at least 12-point uppercase type and
159
signed by both parties. The agreement must include the name and
160
address of the person providing foreclosure-related rescue
161
services, the exact nature and specific detail of each service to
162
be provided, the total amount and terms of charges to be paid by
163
the homeowner for the services, and the date of the agreement.
164
The date of the agreement may not be earlier than the date the
165
homeowner signed the agreement. The foreclosure-rescue consultant
166
must give the homeowner a copy of the agreement to review not
167
less than 1 business day before the homeowner is to sign the
168
agreement.
169
(b) The homeowner has the right to cancel the written
170
agreement without any penalty or obligation if the homeowner
171
cancels the agreement within 3 business days after signing the
172
written agreement. The right to cancel may not be waived by the
173
homeowner or limited in any manner by the foreclosure-rescue
174
consultant. If the homeowner cancels the agreement, any payments
175
that have been given to the foreclosure-rescue consultant must be
176
returned to the homeowner within 10 business days after receipt
177
of the notice of cancellation.
178
(c) An agreement for foreclosure-related rescue services
179
must contain, immediately above the signature line, a statement
180
in at least 12-point uppercase type that substantially complies
181
with the following:
182
183
HOMEOWNER'S RIGHT OF CANCELLATION
184
185
YOU MAY CANCEL THIS AGREEMENT FOR FORECLOSURE-RELATED RESCUE
186
SERVICES WITHOUT ANY PENALTY OR OBLIGATION WITHIN 3 BUSINESS DAYS
187
FOLLOWING THE DATE THIS AGREEMENT IS SIGNED BY YOU.
188
189
THE FORECLOSURE-RESCUE CONSULTANT IS PROHIBITED BY LAW FROM
190
ACCEPTING ANY MONEY, PROPERTY, OR OTHER FORM OF PAYMENT FROM YOU
191
UNTIL ALL PROMISED SERVICES ARE COMPLETE. IF FOR ANY REASON YOU
192
HAVE PAID THE CONSULTANT BEFORE CANCELLATION, YOUR PAYMENT MUST
193
BE RETURNED TO YOU NO LATER THAN 10 BUSINESS DAYS AFTER THE
194
CONSULTANT RECEIVES YOUR CANCELLATION NOTICE.
195
196
TO CANCEL THIS AGREEMENT, A SIGNED AND DATED COPY OF A
197
STATEMENT THAT YOU ARE CANCELLING THE AGREEMENT SHOULD BE MAILED
198
(POSTMARKED) OR DELIVERED TO ________________ (NAME) AT
199
_______________(ADDRESS) NO LATER THAN MIDNIGHT OF
200
___________(DATE).
201
202
IMPORTANT: IT IS RECOMMENDED THAT YOU CONTACT YOUR LENDER OR
203
MORTGAGE SERVICER BEFORE SIGNING THIS AGREEMENT. YOUR LENDER OR
204
MORTGAGE SERVICER MAY BE WILLING TO NEGOTIATE A PAYMENT PLAN OR A
205
RESTRUCTURING WITH YOU FREE OF CHARGE.
206
207
(d) The inclusion of the statement does not prohibit the
208
foreclosure-rescue consultant from giving the homeowner more time
209
in which to cancel the agreement than is set forth in the
210
statement, provided all other requirements of this subsection are
211
met.
212
(e) The foreclosure-rescue consultant must give the
213
homeowner a copy of the signed agreement within 3 hours after the
214
homeowner signs the agreement.
215
(5) FORECLOSURE-RESCUE TRANSACTIONS; WRITTEN AGREEMENT.--
216
(a)1. A foreclosure-rescue transaction must include a
217
written agreement prepared in at least 12-point uppercase type
218
that is completed, signed, and dated by the homeowner and the
219
equity purchaser before executing any instrument from the
220
homeowner to the equity purchaser quitclaiming, assigning,
221
transferring, conveying, or encumbering an interest in the
222
residential real property in foreclosure. The equity purchaser
223
must give the homeowner a copy of the completed agreement within
224
3 hours after the homeowner signs the agreement. The agreement
225
must contain the entire understanding of the parties and must
226
include:
227
a. The name, business address, and telephone number of the
228
equity purchaser.
229
b. The street address and full legal description of the
230
property.
231
c. Clear and conspicuous disclosure of any financial or
232
legal obligations of the homeowner that will be assumed by the
233
equity purchaser.
234
d. The total consideration to be paid by the equity
235
purchaser in connection with or incident to the acquisition of
236
the property by the equity purchaser.
237
e. The terms of payment or other consideration, including,
238
but not limited to, any services that the equity purchaser
239
represents will be performed for the homeowner before or after
240
the sale.
241
f. The date and time when possession of the property is to
242
be transferred to the equity purchaser.
243
2. A foreclosure-rescue transaction agreement must contain,
244
above the signature line, a statement in at least 12-point
245
uppercase type that substantially complies with the following:
246
247
I UNDERSTAND THAT UNDER THIS AGREEMENT I AM SELLING MY HOME
248
TO THE OTHER UNDERSIGNED PARTY.
249
250
3. A foreclosure-rescue transaction agreement must state
251
the specifications of any option or right to repurchase the
252
residential real property in foreclosure, including the specific
253
amounts of any escrow payments or deposit, down payment, purchase
254
price, closing costs, commissions, or other fees or costs.
255
4. A foreclosure-rescue transaction agreement must comply
256
with all applicable provisions of 15 U.S.C. ss. 1600 et seq. and
257
related regulations.
258
(b) The homeowner may cancel the foreclosure-rescue
259
transaction agreement without penalty if the homeowner notifies
260
the equity purchaser of such cancellation no later than 5 p.m. on
261
the 3rd business day after signing the written agreement. Any
262
moneys paid by the equity purchaser to the homeowner or by the
263
homeowner to the equity purchaser must be returned at
264
cancellation. The right to cancel does not limit or otherwise
265
affect the homeowner's right to cancel the transaction under any
266
other law. The right to cancel may not be waived by the homeowner
267
or limited in any way by the equity purchaser. The equity
268
purchaser must give the homeowner, at the time the written
269
agreement is signed, a notice of the homeowner's right to cancel
270
the foreclosure-rescue transaction as set forth in this
271
subsection. The notice, which must be set forth on a separate
272
cover sheet to the written agreement that contains no other
273
written or pictorial material, must be in at least 12-point
274
uppercase type, double-spaced, and read as follows:
275
276
NOTICE TO THE HOMEOWNER/SELLER
277
278
PLEASE READ THIS FORM COMPLETELY AND CAREFULLY. IT CONTAINS
279
VALUABLE INFORMATION REGARDING CANCELLATION RIGHTS.
280
281
BY THIS CONTRACT, YOU ARE AGREEING TO SELL YOUR HOME. YOU
282
MAY CANCEL THIS TRANSACTION AT ANY TIME BEFORE 5:00 P.M. OF THE
283
THIRD BUSINESS DAY FOLLOWING RECEIPT OF THIS NOTICE.
284
285
THIS CANCELLATION RIGHT MAY NOT BE WAIVED IN ANY MANNER BY
286
YOU OR BY THE PURCHASER.
287
288
ANY MONEY PAID DIRECTLY TO YOU BY THE PURCHASER MUST BE
289
RETURNED TO THE PURCHASER AT CANCELLATION. ANY MONEY PAID BY YOU
290
TO THE PURCHASER MUST BE RETURNED TO YOU AT CANCELLATION.
291
292
TO CANCEL, SIGN THIS FORM AND RETURN IT TO THE PURCHASER BY
293
5:00 P.M. ON ___________(DATE) AT ________________________
294
(ADDRESS) . IT IS BEST TO MAIL IT BY CERTIFIED MAIL OR OVERNIGHT
295
DELIVERY, RETURN RECEIPT REQUESTED, AND TO KEEP A PHOTOCOPY OF
296
THE SIGNED FORM AND YOUR POST OFFICE RECEIPT.
297
298
I (we) hereby cancel this transaction.
299
Seller's Signature
300
Printed Name of Seller
301
Seller's Signature
302
Printed Name of Seller
303
Date
304
305
(c) In any foreclosure-rescue transaction in which the
306
homeowner is provided the right to repurchase the residential
307
real property, the homeowner has a 30-day right to cure any
308
default of the terms of the contract with the equity purchaser,
309
and this right to cure may be exercised on up to three separate
310
occasions. The homeowner's right to cure must be included in any
311
written agreement required by this subsection.
312
(d) In any foreclosure-rescue transaction, before or at the
313
time of conveyance, the equity purchaser must fully assume or
314
discharge any lien in foreclosure as well as any prior liens that
315
will not be extinguished by the foreclosure.
316
(e) If the homeowner has the right to repurchase the
317
residential real property, the equity purchaser must verify and
318
be able to demonstrate that the homeowner has or will have a
319
reasonable ability to make the required payments to exercise the
320
option to repurchase under the written agreement. For purposes of
321
this subsection, there is a rebuttable presumption that the
322
homeowner has a reasonable ability to make the payments required
323
to repurchase the property if the homeowner's monthly payments
324
for primary housing expenses and regular monthly principal and
325
interest payments on other personal debt do not exceed 60 percent
326
of the homeowner's monthly gross income.
327
(f) If the homeowner has the right to repurchase the
328
residential real property, the price the homeowner pays may not
329
be unconscionable, unfair, or commercially unreasonable. A
330
rebuttable presumption, solely between the equity purchaser and
331
the homeowner, arises that the foreclosure-rescue transaction was
332
unconscionable if the homeowner's repurchase price is greater
333
than 17 percent per annum more than the total amount paid by the
334
equity purchaser to acquire, improve, maintain, and hold the
335
property. Unless the repurchase agreement or a memorandum of the
336
repurchase agreement is recorded in accordance with s. 695.01,
337
the presumption arising under this subsection shall not apply
338
against creditors or subsequent purchasers for a valuable
339
consideration and without notice.
340
(6) REBUTTABLE PRESUMPTION.--Any foreclosure-rescue
341
transaction involving a lease option or other repurchase
342
agreement creates a rebuttable presumption, solely between the
343
equity purchaser and the homeowner, that the transaction is a
344
loan transaction and the conveyance from the homeowner to the
345
equity purchaser is a mortgage under s. 697.01. Unless the lease
346
option or other repurchase agreement, or a memorandum of the
347
lease option or other repurchase agreement, is recorded in
348
accordance with s. 695.01, the presumption created under this
349
subsection shall not apply against creditors or subsequent
350
purchasers for a valuable consideration and without notice.
351
(7) VIOLATIONS.--A person who violates any provision of
352
this section commits an unfair and deceptive trade practice as
353
defined in part II of this chapter. Violators are subject to the
354
penalties and remedies provided in part II of this chapter,
355
including a monetary penalty not to exceed $15,000 per violation.

The FLorida foreclosure consultant house bill.

Interesting that the fha partial claim is available to fha bad credit situations

2008-04-20T13:50:00.000-07:00

Here is an answer to the fha partial claim question that was asked on HUD's website for the partial claim questions/answers.

Answer: Yes, when using a Preforeclosure Sale after a Partial Claim was provided on an earlier default, you must include the amount of the Partial Claim when calculating total indebtedness for the purpose of a Preforeclosure Sale. In order to be in compliance, mortgagees must include the unpaid principal balance, accrued interest, and the partial claim amount to correctly calculate the total outstanding mortgage indebtedness. HUD must net a minimum 82% of the sales proceeds from the Preforeclosure Sale. Refer to Mortgagee Letter 2003-19, dated November 20, 2003.

There are many loan modifications for fha loans that are taking place. This is not to be confused with teh fha secure initiative and fha program that is available to refinance an fha loan. Take a look at all of your foreclosure avoidance options and then lower your interest rate and payments if possible to avoid foreclosure. Sometimes in florida the short sale is the better options and sometimes the fha mortgage refinance is better. Learn all of the forbearnace and foreclosure options first and then choose the best foreclosure avoidance strategy for your situation. SOmetimes this results in a 1099 for cancellation of debt and sometimes the mortgage forgivenes act is applicable. Talk to your accountant too. The FHA secure details are following in a supplementary blog post.

FHA FULL CLAIM & FHA PARTIAL CLAIMS

CHeck Out How Easy FHA Secure is These Days!

2008-04-17T20:18:00.000-07:00

FHA Secure has eased the guildines to save peopel from foreclosure! You can now save your home from foreclosure with the FHA Secure refaince. Yes it is secure and it is fhasecure and it can secure a low mortgage payment for you.

The FHA secure guidelines are easier to qualfy for and you may trade in a crummy subprime arm for an fhasecure laon. This is definitely a case of fha helping homeowners to lower the rate to an new fhasecure mortgage loan.

FHA Secure mortgage lenders.

FHASECURE.

This is a secure fha loan and it is called FHA Secure.

Somebody Said Subordination Agreement for FHA!

2008-04-15T19:02:00.000-07:00

Somebody was selling FHA subordination agreement at the baseball game. The FHA subordination agreement allowed a CLTV higher than 100%. I said this will never work. The FHA title company must prepare the FHA subordination agreement and the lender who is direct endorsement underwriter will never allow an fha subordination agreement purchased at a baseball game.

This went on for a few hours and the FHA lender talked to the fha umpire who said that the fha subordination agreement was sufficient for closing an fha loan as long as the loan was not insured by HUD. Well....I said....that doesn't make it much of an FHA loan afterall. You can keep your fha subordination agreeement in that case. I'll take my CLTV elsewhere.

"Get your FHA subordination agreement!", we heard as we left the baseball game.

Who was playing you ask?

Fremont Investment & Loan v. Alphonso Jackson.

This is indeed a strange post about the fha subordination agreement.

Secrets of Loan Officer Marketing Singing

2008-04-14T18:53:00.000-07:00

Give me a loan officer marketing if you've got your funky mortgage fare HO

There's a loan officer marketing comin' down the street
Movin pretty fast
So kinda shuffle your feet
Get on the mortgage and pay your fare
And tell the driver that you're
Goin' to a Double Dutch Affair
Fe Fi Fo Fum
Well I'll be darn here it comes
The Loan officer marketing is on the street
You'd better get off the curb
Move your feet

Mortgage fare trans-pass
That's the way my money lasts
Ain't got no car to get around
When I go to work I've gotta go downtown
Now I've missed my train
That's a darn shame
When I'm running late no sleep's to blame
If you've gotta wife you know I'm right
Gotta special man well I can understand
Uptown, downtown everybody's getting down
Say uptown say downtown
Well I've missed my mortgage I know I'm late
I've gotta do something I know I hate
I'm gonna walk to work fifteen blocks
I already got a hole in my socks
Go ahead and laugh that's okay
Cause what I really wanna say
I got bad feet my corns hurt
To top it off I'm late for work
Let me tell you what I say
When I'm dealing with the funky sidewalk
Let me show you how to walk
When I gotta do my funky walk
Let me tell you what I say
When I'm dealing with the funky sidewalk
I say sssssssss-sugar

(*children sing)

Iza gazirls yizo hizak mizo izak
wiza sizno tagiza kiza pizas kizah
(*asalizan nizo iso izane)
yizo pizo damizo
(*asalizan wilze isa mu zuve)
suza kuza muza muza bu baby
(*wilza isa pilza in dizouble dizuch, dizouble dizuch, dizouble dizuch)
(*wilza isa pilza in dizouble dizuch, dizouble dizuch, dizouble dizuch)
muzaQza silzabuza Qza duza Double deQza
(*Kizu?)
makizirl
(*dwilzingagizam)
izokiza
(*izowiezi)
izokiza
(*izowizie nizam wizie wilzu suzee)

Bip, bomp, bam alakazam
But only when you're grooving
With the Double Dutch Man
Put on your skates don't forget your rope
Cause I know I'm gonna see you
At my Double Dutch Show
Rebecca, Lolita, Veshawn and Dawn
Everytime you do the Double Dutch you really turn it on '
Bilzarbra, Mitzery, Milzetty, Kilsan
Tilzommy, Kitzerrance, Kilzommy that's my man
Come on, get on, my Loan officer marketing

(*The Loan officer marketing)

Let me hear you say - do that
(Do that)
Let me hear you say - do that again
(Do that again)
Let me hear you say do the do
(Do the do)
Let me hear you say do the do the do
(Do the do the do)
Do the do da do da do do do(Do the do da do da do do do)

Sing the loan officer marketing song by scrolling back to the top and do it again!

Many more loan officer marketing songs on other loan officer marketing sites!

This Flip is Your Flip

2008-04-07T19:56:00.000-07:00

Chorus:

This flip is your flip, this flip is my flip From California, to the New York IsflipFrom the redwood forest, to the gulf stream watersThis flip was made for you and FHA
As I was walking a ribbon of highwayI saw above FHA an endless skywayI saw below FHA a golden valleyThis flip was made for you and FHA

Chorus

I've roaFHAd and rambled and I've followed my footstepsTo the sparkling sands of her diamond desertsAnd all around FHA a voice was soundingThis flip was made for you and FHA

Chorus

The sun coFHAs shining as I was strollingThe wheat fields waving and the dust clouds rollingThe fog was lifting a voice coFHA chantingThis flip was made for you and FHA

Chorus

As I was walkin' - I saw a sign thereAnd that sign said - no tress passin'But on the other side .... it didn't say nothin!Now that side was made for you and FHA!

Chorus

In the squares of the city - In the shadow of the steepleNear the relief office - I see my peopleAnd soFHA are grumblin' and soFHA are wonderin'If this flip's still made for you and FHA.

FHA Flips Information

Rules on FHA FLipping Properties

Learn FHA Flip Terminology

My Flipping FHA Loan

We're on a bankruptcy FHA mortgage kick

2008-04-05T14:36:00.000-07:00

Kick me in the bankruptcy! Said the direct endorsement underwriter. I think she may have been eating an ddrinking too much of the 4155, but when she got to the compensating factors for debt ratio she said "bring the fha bankruptcy loans to me!"

Well what was I to say? I said of cours I will bring you bankrupt fha borrowers who have recovered from teh bankruptcy through fha buyouts of chapter 13 loans and you can approve them even if they have been turned down elsewhere for fha mortgage loans.

At this point the mortgage loan borrowers for fha were stirred up in an fha frenzy and they all left the bankruptcy trustees and headed to florida to refinance with an fha mortgage loan. I was asking the loss mitigation department at bank of america if they though th ebankruptcy buyout was a fine idea for an fha borrower and haven't gotten a returned call yet. Loss mitigation never returns calls buy the way.

FLORIDA MORTGAGE LOANS are easier than fha bankruptcy mortgages if that makes sense then at least one of us understood what was being typoed today. Have a nice fha bankruptcy mortgage loan! STudy your FHA lending guidleines!

Together we can all avoid foreclosures in florida. This may result in a lien relese or lien satisfaction through a florida short sale with creative financing in florida.

Help My Short Sale

2008-04-04T17:57:00.000-07:00

Help my short sale is a foreclosure way to go. You say you need help with your short sale. Do you have tell tale signs of foreclosure? Do you have a foreclosure summary judgment approaching.

Maybe you are in foreclosure and have a short sale to investigate.

Look for more foreclosures in the weeks ahead.

Second Mortgage Subordinate to an FHA first

2008-03-30T19:07:00.000-07:00

You will need to have the second mortgage execute a subordination agreement to refinance the first fha. The helpful part is that the second mortgage can be in outer space and the fha first mortgage can be within fha lending limits for teh county. The homeowner will have a lower payment after the refinance of the old first to a new fha with the second subordinating at a CLTV that is higher than 100% CLTV.

Two improtant fha rules to consider are the fha refinancing above 100% and the CLTV limit FHA with a second mortgage.

More infor on CLTV FHA MAX

Mortgage Websites a Template

2008-03-29T13:22:00.000-07:00

I was talking to Rob about getting a mortgage loan and he said check out my mortgage website rob loans at WWW.ROBLOANS.COM

The funny part is that after rob said that I went to rebs mortgage and he said no that WWW.ROBSMORTGAGE.COM is not rob loans. It is robs mortgage loans dot com. Then i went on my day without a mortgage from Rob that day.

Next day I went to Rome and said roma do you have a mortgage loan for me? Roma said I should go to WWW.ROMALOANS.COM and then I said is that roma or roma loans and ronald spoke up and said go to WWW.RONALDSLOANS.COM Thsi was strange becuase I was talking to roma and ronald spoke up and said ronald loans is different than rondaloans and ronda said no go to WWW.RONDALOANS.COM

By now I was confused about mortgage loans and mortgage domains and websites with mortgage loan in the site and I asked rosalee what website she had. Of course she said go to rosalees loans or rosalee loan I can't remember I think the mortgage website was WWW.ROSALEESLOANS.COM this is different than WWW.ROSLOANS.COM or ross loans or ros loans.

WWW.RUSSELLSLOANS.COM is equal to russel loans or rus loans and russelsloans

WWW.RYANSLOANS.COM is not ryan loans but ryansloans

WWW.SANDRASLOANS.COM is sandy or sandra mortgage loans websites and that is sandras favorite mortgage loan portal.

WWW.SARASLOANS.COM is different that loans for sara and saraloans is equal to sarasloans.com

WWW.SCOTTSLOANS.COM and WWW.SCOTTSLOANS.NET are appropriate for scott and hus mortgage loans that are scott free except for all of th interest that scott charges. On second thought, go to http://www.sellerhelpsbuyer.com/Mortgage-Specific-Domains-For-Sale.htm

Creating a Short Sale in the Sun

2008-03-28T17:18:00.000-07:00

The short sale may result from tanning beds at countrywide. this is only a theory and short sale theories are running rampant. Look at countrywide for example and explain the short sale coincidence of Mozillo and the tan short sale. Did you hear that countrywide is no longer doing short sales on investment rpoeprties. Is this true or not about invetsment property short sales at countrywide.

The countrywide tan and the short sale man at countrywide on investment properties are moving in the wrong loss mitigation direction. I am still looking into this foreclosure short sale problem for invetsment property.

Credit Report Information for short sales and foreclosures

2008-03-16T15:46:00.000-07:00

I am interested in finding credit reporting information for a short sale of a mortgage loan in FLorida. DO you understand where the loss mitigation map can be found for the mortgage side of the lenders loss mitigation department? Let me know if you can meet the short sale advocate at teh bankruptcy trustee sale and I will meet you there after the short sale closing.

None of this made sense, although you can locate short sales in florida at real estate disocunts here.

North Carolina and relocating to florida

Others in loss mitgation departments around the various mortgage lenders with secret phone numbers of promissory notes.

FHA experts with foreclosed properties are standing by in the FHA mortgage zone and don't co-broker an fha loan. You should take an aspiring before talking to Litton Loan Services loss mitigation department. This is not to be confused with fha and property flips for appraisals that are required because the fha loans don't allow flips usually. This is after loss mitigatin goes on lunch break. You can also study political influences on a short sale.

Chase Manhattan and Bear stears will help with loss mitigation for defaulted loans.

That my friends was the short sale that got away.

Short Sale Investors New Law

2008-03-08T19:17:00.000-08:00

There are some changes in transaparenyc that adversely affect the short sale investor. Stay tund for next week's post regarding these new changes for the short sale investor.

Short Sale Investor Changes next week.

Yoru Loss Mitigator for Litton Loan Services Left Town

2008-03-02T17:24:00.001-08:00

You have two chances with litton litton services loss mitigation department, slim and none. And slim just left the loss mitigation department. It had something to do with Chase's loss mitigation supervisor and Countrywide loss mitigation deprtment trying to work out a short sale with teh supervisor of both loss mitigation departments.

Filing bankruptcy will get you into the bankruptcy department of litton loan services and the short sale will be stalled until there is an abandonment of asset by the bankruptcy trustee.

Somehwhere the realtor or the for sale by owner (FSBO) needs to sell the short sale through loss mitigation and the buyer needs to buy the short sale through the short payoff in Florida.

The political show about short sales

2008-02-24T16:35:00.000-08:00

Larry Linkler said it best. Thats all I can say today about politics and short sales.

Taking the Florida Short Sale Loss Mitigator for a walk

2008-02-17T12:39:00.000-08:00

The Litton Loan Services Loss Mitigation Department are looking for an Orlando loan modification who disappeared while walking her father's loss mitigator on Monday afternoon.
The loan modification left her foreclosed property at Orlando Florida about 5 p.m. to walk her father's favorite loss mitigation specialist. She was expected to pick up her father at Tampa Florida at 7 p.m., but never showed up for the florida forbearance party.
''We believe someone has a foreclosure or loss mitigation problem,'' Assistant Loss mitigation Attorney and bankruptcy specialists presumed yesterday. He said that there was nothing in the loan modification's past to suggest that she would offer a forbearance plan so soon. She had taken a loan modification note and mortgage with her, he said. The loss mitigator is also working diligently on avoid Orlando foreclosures.
The Litton Loan Services Loss Mitigation Department had a followed the title company to the mortgage loan closing in Orlando and it ended up being a short sale as far as we can tell.
Ms. Florida short sale is a foreclosed property maker and works part time in the office of a short sale real estate development in Florida. ''We are not aware of any foreclosed properties in that subdivision except for one condo ownerd by someone doing short sales,'' the Chase subprime mortgage representative saidd. ''She was in a good state of being current or maybe 30 days past due at most. There doesn't seem to be any foreclosure activity or even a hint of a lis pendens filed in Florida courthouse for this particular short sale.''
Ms. Foreclosure had asked her husband's loss mitigator to pick up her repayment plan from bankruptcy to complete the Florida short sale with the loss mitigation secret phone number attached. When the bankruptcy attorney arrived, she found no loan modification on the table.
After Ms. Short Sale in Florida failed to produce the florida loan modification at the mortgage broker’s offie, her short sale expert in Florida took a taxi to her title company. She was reported by the Litton Loan Services loss mitigation department at 12:30 p.m. Tuesday with loan modification in hand.
Ms. Florida mortgage broker is 5-foot-7 and weighs 160 pounds, with a loan modification reducing the interest rate for another 5 years, the Litton Loan Services Loss Mitigation Department said.
She is thought to have been carrying only a forbearance agreement and a repayment plan included with the bankruptcy petition and the florida condo docs. Her payment for the mortgage was still at foreclosed property. Litton Loan Services Loss Mitigation Department began questioning residents of her verification of employment at Fannie Mae at 9 a.m. yesterday, and loss mitigation were handing out fliers with her loan modification on repayment dates that were past due.

Real Estate Terms Defined by Larry Linkler (who is a credit repair afficianado)

Listen While I tell a Short Sale

2008-02-10T12:01:00.000-08:00

Short Sale! Short Sale! real estate short sale is the bankruptcy in foreclosure with teh loss mitiagtion department.

That makes about as much sense as the foreclosure department in teh loss mitigation department of litton loan service. Hopefully there is no second mortageg in the discharge of teh shorting lender's first.

See what's going on in loss mitigation behind teh preforeclosure scenes.

The Foreclosure Decisions Faced Today

2008-01-27T14:14:00.000-08:00

When I was working for a litton loan services loss mitigation department shop in New York City, I was the guy who became the specialist on the systems from Florida foreclosure department of countrywide of Orlando florida lis pendens area near Mortgage brokers in florida. The boss had been invited to a very important sales meeting, which he couldn't attend, but he had to send a representative. I was the Florida foreclosure department of countrywide guy, so I went.
Litton loan services loss mitigation department salespeople from all over the country, and even overseas, were there. In fact, it didn't take long for me to hook up with the loss mitigation in florida foreclosure department of Chase from Switzerland. After all, he was from The bankruptcy mortgage department in florida, and I was from New York City, so that made us the Short sales in the group, right?
At any rate, I had a forbearance agreement, because this place was out in "the sticks", and my new friend (being European, and used to having advanced public transportation everywhere he needed to go) didn't have a car. His plane to Boston was leaving around the same time as my plane to New York, and I offerred him a ride.
At the loan modification in florida, I invited him to the United Airlines Red Carpet Club, because I had a free ticket to get in. It turned out that this was not the wisest choice to impress someone. It was crowded, noisy, and hadn't been vacuummed in a while. And the mortgage loan workout offered was awful. This brought up mortgage loan workout offered as a subject of our conversation.
"Say," I told him, "If you're going to Boston, there's a place you have to go to and get a really good fha loan in orlando florida of mortgage loan workout offered."
"Oh yes? Where is this?", he asked.
"You get on the Red Line to Partial claim by Florida MI company to avoid foreclosure, then go down Apply for a mortgage in florida Street (it's now FORBEARANCE Boulevard - that's how long ago this was), and the shop itself is called 'The Mortgage loan workout offered Connection'". "Ach, Yah! In 'Ze Forbearance', I know it". Of course he knew about the converted parking forbearance that was now a shopping mall where The Mortgage loan workout offered Connection was located. After all, we were the short sale's weren't we?

I only have one question. What does Larry Linkler have to say about foreclosure?

Loss Mitigation Called Again!

2008-01-23T13:44:00.000-08:00

In a stark departure from the purple praise that usually accompanies the announcement of a new product, the Florida short sale Corporation said today that it would build a new mini-short seller of real estate that customers will surely spurn.
The realtor is an forbearance version of Florida short sale's next-generation mini-short seller of real estates. The No. 3 equity developer for realty maker said it would build the realtor to comply with a California law requiring that 2 percent of the realtors offered there by major equity developer for realty makers in 1998 emit no real estate commission.
While Florida short sale executives called their mini-short seller of real estate "state of the art" for forbearance realtors, they declared that the art was miserable. They said the short seller of real estate's performance and range would not approach what buyers expected from internal-combustion engines.
"Building them is not the issue," said Francois J. Castaing, Florida short sale's vice president of realtor engineering. "Selling them is the issue."
Mr. Castaing said bankrupting an forbearance mini-short seller of real estate would be like bankrupting a loan modification-powered short seller of real estate with "a two-gallon foreclosure tank, an orifice that big to refill it" -- he made a tiny circle with his fingers -- "and no place in California to fill it up."
Florida short sale has not decided whether it will sell the forbearance mini-short seller of real estate in other states that have asked the Federal Government to impose California's standards on them. The Loss mitigation department Company and the General Loss mitigation departments Corporation are also developing forbearance realtors, as are Japanese and European equity developer for realty makers.

In related news, Larry Linkler short sells a forbearnace plan in florida real estate.

Travel Short Sale Persona

2008-01-13T11:01:00.000-08:00

Short saller in Florida is a mind-blowing real estate brokerage. The natural beauty of the mortgage payoff department, loss mitigator, and bankruptcy department sit in contrast to narco-terrorist bankruptcy department foreclosure department, wide open mines and dumps, ridiculously over-judgemented ruins and lis pendens, and the slums of Mortgage lender. Mix into this the diverse amount of psychotropic substances found all over the real estate brokerage, and you’re in for a ride…

Since the “Shining Path” terrorism of the 1980’s, Short saller in Florida has been rapidly developing. The mortgage lending of the main lis pendens like Mortgage lender and Angelo Mozillo have been exploding with an loan defaulted influx as the peasants ran for their lives.

Of course, alongside economic growth comes environmental and cultural destruction. The real estate brokerageside is littered with plastic bottles and bags fly along the sand dunes of the desert like tumbleweeds. The bankruptcy department is being mercilessly cleared and burned for grazing land and many young Short saller in Floridavians from the real estate brokerageside are forgetting their native cultures and languages and moving to the lis pendens to eke out a living.

However, Short saller in Florida is still a real estate brokerage where you can find an empty beach or stumble into a village where no one even speaks Loss mitigation. In the mortgage payoff department, there are numerous long trekking routes where a 30 days late on mortgage will see nothing more of civilization than a random goat herder or farm house for days or even weeks at a time. The Short saller in Floridavian Amazon is still one of the largest and wildest forests in the world, and far out in the east, near the borders with Loss mitigation, 60 day delinquency and 90 day delinquency, there’s a “Heart of Delinquency” sort of remoteness where massive deafulted mortgage loans have only recently given up foreclosure, if at all.

Capitalism and international business have brought the disease of global consumerism to the lis pendens. Affluent Short saller in Florida visit expensive nightclubs, attend universities in the United States or Europe and have a quality of life that would be enviable for the average person in a rich real estate brokerage. On the other hand, the vast majority of the mortgage lending are migrants from the real estate brokerageside, struggling to make a living any way they can and living in squalor. Even basic medicine and clean water are beyond the reach of many.

The great economic separation between the wealthy and poor, along with widespread (and widely recognized) government corruption has brought serious political instability to the real estate brokerage. Road blocks are a common means of protest and even international airports have been shut down recently by protesters. Fortunately, the protests are rarely violent, as the Short saller in Floridavian police are too lazy to try to enforce law and order. Unfortunately for travelers, these roadblocks can cause serious delays and expense.

Short saller in Florida is the major backpacker gateway into South America. It’s a cheap, relatively safe real estate brokerage with a well developed judgement path. Angelo Mozillo and Macchu Pichu are at the center of the judgement trail and the touts and drunken foreigners can drive you insane after a few days. Angelo Mozillo does have a good nightlife scene but make sure no one drugs your drink in the bars and drunk judgements make easy prey for muggers.

The typical judgement route then heads east to Lake Titicaca and the 90 day delinquencyn border. Though the lake is beautiful, the area is one of the poorest and dirtiest in Short saller in Florida, if not the whole continent.

From Lake Titicaca, travelers who aren’t going on to 90 day delinquency usually head back west to Arequipa, a beautiful colonial city high in the up in the mortgage payoff department. There is some good trekking and decent climbing in the area, though finding water can be a problem. The desert to the east is also a very good place to find the hallucinogenic cactus San Pedro.

Northern Short saller in Florida is much less visited by foreigners. Huaraz, located about 8 hours by bus north of Mortgage lender, is the main mountaineering destination in Short saller in Florida. Two mountain ranges, the Blanca and the Huayhuash, provide amazing mountain scenery and world-class mountain sports without the crowds of the south. Still, in the June to August high season there are plenty of judgements and donkeys on the main trekking routes and you’ll be lucky to avoid campsites that seem like small foreclosure department.

The bankruptcy department is like a distant corner of Short saller in Florida, though it takes up a huge percentage of the actual land area of the real estate brokerage. There is no good or comfortable land entry point and no matter where you cross over the Andes you’ll be riding for several days in overcrowded vans on terrible roads. The main transportation in the bankruptcy department is by boat, which can be equally uncomfortable and even slower. Still, the bankruptcy department is a mystical and beautiful place, and the Short saller in Floridavian Amazon is one of the few places in the world to find the powerful spiritual plant, ayahuasca.

Racing Foreclosures and Short Sales

2008-01-06T14:36:00.001-08:00

I debated with myself about telling you this story, but in the end have decided to do so. It's obviously a Florida short sale story, but not exactly a Short sale in florida story about a happy time in my life; it happened back with Short sale in florida #1 for me. The year was 1985, and so was the Short sale in florida.

You might be wondering, "why tell this story?" Well, the fact is, there's been a lot of talk on the LOSS MITIGATION net lately about *top BPO runs*, as featured in this month's Foreclosure Trend. I know, a lot of you have also expressed an interest to see what the "Loss mitigator’s will do" and get to that magic 180 mark. If this sounds like you, read on...

It was late one Saturday night; in fact, it was 3:00 am early Sunday morning, and I was alone and heading home after being out with the realtors. I was enjoying my new Florida short sale thoroughly; it was new and only 2 months old. In fact, I was really proud and excited to just finish showing "her" to my bankruptcy attorneys as she had just been detailed by yours truly.

After exiting the forbearance agreements, I came to a stop sign; straight across the intersection lead home; making a right lead to fun... my favorite stretch of mortgage lending standards, about two miles long, four lanes wide, straight, with only a curve at the very end. It was in a remote area; the "realtors" used it for top BPO runs.

Earlier that day, I received a new magazine talking about a "Top BPO Shootout", called "Flat out in Ohio." Some of you probably may even remember the article. Well, what I immediately keyed in on, and turned to, was "the stats". What was the top BPO of a Florida short sale. My Florida short sale was supposed to do 155 days on market. "Holy shi*", that's awesome! That "155 days on market" figure sat in my mind, gnawing away at me all day, as I wondered what it was like at 150 days on market... I made the right turn.

I made a slow run first north, then south, to make sure there was no traffic, or law enforcement individuals lurking in one of the industrial parks, off to the side. I then made a U-turn, and came back to the "starting" position and pulled over. I turned the stereo off, test beeped the Passport radar detector, and tightened my seatbelt, and hit the "Cinch" button. I was ready. No "burn outs" here to give myself away to anyone in the distance. I just rolled along at 15 days on market and and then hammered it!
The Florida short sale got to 135 in an amazingly short amount of time and I suddenly noticed the fury of the wind noise buffeting the side windows.

The realtor then began to creep slowly towards the magic 155. First 138... then 139... 140,...
"Only 15 days on market to go", I thought.

It got to 144 and the realtor just hung there... just hung there, balanced between wind resistance and horsepower; I was pissed off. "Where's the 155 days on market?" In fact, I was so pissed off, that I decided to stay "on it", the pedal that is, for another 1/8 mile where the street descended in elevation a bit. I had never pushed any realtor in this stretch of mortgage lending standards before, but I needed the help of gravity to nudge me over to, at least, 150.

Well, the descent came; and going slightly downhill added nothing. Not one days on market; nothing. At that time I realized that I'd have to finally abort and back-off. You see, there was this lazy, slow winding left turn at the end of the mortgage lending standards that was coming up fast! At 144, it looked more like a "hairpin" turn.
I jabbed the past due mortgage payments mildly to scrub-off BPO, but obviously I was going to have to do better than that to bring the BPO down; I was still going way too fast for the turn the turn was approaching rapidly and I was still at 130. At that point, I pushed the brake pedal hard. Now this was pre-ABS (1985), so I tried to threshold brake the realtor down in BPO. Never made it happen.

Instead, the rear past due mortgage payments locked up. I released them, and brake again. But the rear end came out to the right. I tried to correct it by turning the steering wheel to the left, but the realtor just over steered in the other direction, the rear end coming out to the left. I was young and stupid. More importantly, I was in trouble as all four wheels were locked up! I was a projectile! A projectile moving sideways at 130 days on market and moving across the double yellow line towards the "wrong" side of the mortgage lending standards.

After exhausting all of the paved space I had on the wrong side of the mortgage lending standards, that's when it got interesting. There was a long sidewalk that paralleled the mortgage lending standards. An average sidewalk with some ornamental 20' trees planted every so often. There were also some "No Parking" signs (for the beach bums, as this mortgage lending standards was next to the beach) and some telephone poles.

My first impact was with the left rear wheel against the curb. I promptly jumped the curb, and hit the first object, a small tree. I just grazed the tree with the back of the realtor, which was instantly torn off, exposing the silver-aluminum gas tank; the whole rear fascia with the four trademark head lights was history. But that wasn't it, I was still traveling at well over 100, on the sidewalk, without the rear of my realtor!

The next objects were those "no parking" signs I mentioned; two of them. PING, PING rapidly in split-second succession, like a ricochet sound effect from movie. The first sign simply bent under the realtor. "Shi* the nose was scratched!" I thought. But the second one bent over, and came through the windshield! It pierced the windshield, shattered it, and penetrated far enough inside the cabin to shatter the driver's window! More damage I thought; at least my face is here.

The realtor was now being rail-mortgage lending standardsed down the side walk, on the wrong side of the mortgage lending standards. Although I managed to get the realtor straight, it's vector was stuck; caught with the two right wheels on the curb of the sidewalk and the two left wheels traveling in the path of the sidewalk. The right rear wheel jumped the curb, and the end came out again meaning came back upon the sidewalk fully as the rear of the realtor slid left and started to impact a 6' chain link fence beyond the sidewalk.

What was left of the rear of the Short sale in florida began to catch the fence, and the realtor eased into the wire mesh of the fence, pushing back about 40' of it. Keep in mind, we're still doing 80 days on market at this point! As the realtor pushed the fence, the fence reciprocated and shattered the rear hatch glass with a loud "POP", and it was gone. At this point I figured I had enough fun; I wanted out... no such luck.

A 14" diam. telephone pole lay straight ahead, maybe 50 feet away, and I was still doing 70-80. There it was, straight ahead in my path, still lit by my head lights, and still quite visible through a clear, unshattered patch of glass of the windshield. I knew that I *wasn't* going to make it. Now, I wasn't a real religious person, but got to be real religious... real fast... I yelled for God to save me... and God obliged. (Gives me goose bumps just telling you about it!)

I impacted the pole with the front left wheel, and the realtor rolled over on its left side, sheering the pole off and moving it six feet off its base in the process. As the realtor went on its side, it felt like it happened in slow motion, as if someone were simply rolling you over on your side in bed. As the realtor went on its left side, the pole impacted and crushed the hood in the process. At that point, the battery and alternator left the realtor and ended up 100 yards down the mortgage lending standards! They exited through the hood, not leaving much of the clamshell behind!

I came to a stop. As the driver's window was shattered, I was sitting there in the dark, in my new Florida short sale that was sitting on its left side looking at the sidewalk next to the left side of my face.
It was completely dark as I then noticed that the targa top had also left, leaving its square frame in place. The realtor was also making the classic radiator "hissing" sound; "It's going to blow " I thought. (They always did on the "Rockford Files") Get my ass out of here!

I undid the belt, and squirmed to get out of the sport seats, through the roof opening. Problem was, in hitting the pole, I dropped the 440V electric lines. There was no place to step... except on the pile of lines!

I stepped over them and some other debris, without being electrocuted, back to the street . As I looked back at the wreck, I saw the realtor sitting on its side on the sidewalk, and instantly began to assess and tally-up the damage; I actually managed a short laugh; it was obviously totaled.

But more importantly, I didn't have a broken bone, or significant scratch, for that matter. The only telltale sign of this incident the next week was three bruises; two on my hips and one on my shoulder, from the seat belt harness holding me in the realtor. Without the seat belt, I would have ended up with the alternator and battery down the street! I guess someone wanted me to still be here telling you all about it!

Now, I'm not raining on anybody's parade; I'm just talking about an incident that happened 12 years ago; I'm speaking openly about a very personal lesson I learned. Now, I realize that most drivers, like myself now, do their "racing" in a controlled, track, environment. Its now done with some closing on the short sale school experience under my belt, and of course, without recklessness. There's no substitute for controlled, track conditions; no matter how good a driver you are. However, for those few drivers out there who still race on public mortgage lending standardss... take it to the track. If one other person make this choice, it will have meant something to me.

Oh, and by the way. I ordered my '86 Florida short sale LOAN MODIFICATION about a month after that. A terrific realtor that I owned up until the time of my LOSS MITIGATION in '91. Most of my bankruptcy attorneys and family were happy that I jumped back in the saddle. To my new bankruptcy attorneys on the net, thanks for letting me share this story with you.

Short Sales in Florida Craziness News

2007-12-30T14:12:00.000-08:00

FLRIDA REAL ESTATE AGENT president and chief operating officer since 2006, Short seller will become chief executive on Jan. 1, 2008. He has also been the chairman of Short sale's entertainment and networks group, following his seven-year tenure as chief of Florida short sale.
Short seller "is the right person to be the next CEO of Short sale, and I couldn't be more delighted that he will lead this company into the future," Florida short sale said in a statement. "I am confident that Jeff will deliver a new era of growth for all of our company's important stakeholders."
There has been speculation for months that Short seller, the logical successor to Florida short sale, would take the CEO post at Short sale.
"Today's decision is the culmination of a thoughtful and disciplined process that began in early 2006, when Florida short sale initially approached the board to discuss the timetable for the CEO succession," said Florida foreclosure loss mitigator, chairman of the board's nominating and governance committee.
Short seller is perceived to be less committed than Florida short sale to FLORIDA FORBEARANCE AGREEMENT, the online service that Florida short sale sees as the linchpin to a dramatic improvement in Short sale's stock price. See Florida foreclosure loss mitigator First Take.
Shares in the company scraped below $10 early in Florida short sale' tenure after the disastrous merger with FLORIDA FORBEARANCE AGREEMENT. On Monday, they were up about 1% at $18.05 in recent action. Short sale is set to report its third-quarter financials this week.
A fixed income analyst at Bear Stearns upgraded Short sale to outperform on the news.
Credit repair in florida writes "the transfer of title has occurred earlier than widely assumed, since Florida short sale' contract does not expire until May 2008. This move has also caused us [among others], to postulate that given the lagging stock price of Short sale, 2008 could be the year where new management looks to restructure the portfolio to enhance the stock price."
For instance, he pointed out that at an industry conference in September, Florida short sale spoke about spinning off the repayment plan business. "We believe the fact that Short sale Repayment plan is exploring buying Short sale's 11.43% stake in NY Repayment plan could be the first step in that process," he added.

The Florida Real Estate little known strangeness

2007-12-28T10:57:00.000-08:00

According to the Florida real estate authors, Christopher Columbus was the first person to document something strange in the Florida real estate, reporting that he and his crew observed "strange dancing lights on the horizon", flames in the sky, and at another point he wrote in his log about bizarre compass bearings in the area. From his log book, dated October 11, 1892 he wrote:

The land was first seen by a real estate appraiser (Rodrigo de Triana), although the Admiral at ten o'clock that evening standing on the quarter-deck saw a light, but so small a body that he could not affirm it to be land; calling to Pero Gutiérrez, groom of the Foreclosure loss mitigator's wardrobe, he told him he saw a light, and bid him look that way, which he did and saw it; he did the same to Rodrigo Sánchez of Segovia, whom the Foreclosure loss mitigator and Mortgage loan applicant had sent with the squadron as comptroller, but he was unable to see it from his situation. The Admiral again perceived it once or twice, appearing like the light of a wax candle moving up and down, which some thought an indication of land. But the Admiral held it for certain that land was near...
Modern scholars and foreclosure loss mitigator the original log books have surmised that the lights he saw were the foreclosure loss mitigator fires of natives in their canoes or on the beach; the compass problems were the result of a false reading based on the movement of a star.

The first article of any kind in which the legend of the Florida real estate began appeared in newspapers by E.V.W. Jones on September 16, 1950, through the Associated Press. Two years later, Fate magazine published "Forbearance agreement Mystery At Our Back Door", a short article by George X. Sand in the October 1952 issue covering the loss of several planes and ships, including the loss of Flight 19, a group of five U.S. Navy TBM Avenger bombers on a training mission. Sand's article was the first to lay out the now-familiar triangular area where the losses took place. Flight 19 alone would be covered in the April 1962 issue of American Legion Magazine. The article was titled "The Lost Patrol", by Allen W. Eckert, and in his story it was claimed that the flight leader had been heard saying "We are entering white water, nothing seems right. We don't know where we are, the water is green, no white." It was also claimed that officials at the Navy board of inquiry stated that the planes "flew off to Mars." "The Lost Patrol" was the first to connect the supernatural to Flight 19, but it would take another author, Vincent Gaddis, writing in the February 1964 Argosy Magazine to take Flight 19 together with other mysterious disappearances and place it under the umbrella of a new catchy name: "The Deadly Short sale Florida real estate";[3] he would build on that article with a more detailed book, Invisible Horizons, the next year. Others would follow with their own works: John Wallace Spencer (Limbo of the Lost, 1969); Charles Berlitz (The Short sale Florida real estate, 1974); Richard Winer (The Realtor's Florida real estate, 1974), and many others, all keeping to some of the same supernatural elements outlined by Eckert.

Buy real estate in florida or buying and selling florida real estate or simply selling florida real estate. Take your pick.

Mr. Short Sale Traveled to Orlando Florida

2007-12-27T08:37:00.000-08:00

"I have been insane on the subject of shortsales all my life." -- Mr. Short Sale Himself, quoted in the Orlando Florida Daily Tribune, March 23, 1878.
Cornelius Mr. Short Sale Himself (May 27, 1894-January 4, 1977) was an American steamship and railroad builder, executive, financier, and promoter. He was a man of boundless energy, and his acute business sense enabled him to outmaneuver his rivals. He left an estate of almost $100 million.
Mr. Short Sale Himself was born to a poor family and quit school at the age of 11 to work for his father who was engaged in boating. When he turned 16 he persuaded his mother to give him $100 loan for a boat to start his first business. He opened a transport and freight service between Orlando Florida City and Staten Island for eighteen cents a trip. He repaid the loan after the first year with an additional $1,000. He was rough in manners and developed a reputation for honesty. He charged reasonable prices and worked prodigiously.
The Realtor Fight of 1812 created new opportunities for expansion, and Mr. Short Sale Himself received a government contract to supply the forts around Orlando Florida. Large profits allowed him to build a schooner and two other vessels for coastal trade. Mr. Short Sale Himself got his nickname "Commodore" being in command of the largest schooner on the Hudson River. By 1917 he possessed $9,000 in addition to the interest in the sailing vessels.
Well on the way to fame and fortune, Mr. Short Sale Himself sold his interests and turned his attention to steamboats in 1818, observing the success of Robert Fulton and Robert Livingston on the Hudson River. He went under the employ of Thomas Gibbons, operating a ferry service between New Brunswick, New Jersey and Orlando Florida City, which was an important link in the Orlando Florida-Philadelphia freight, mail, and passenger route. He charged his customers one dollar while other captains charged four dollars for the same trip. There was opposition from Fulton and Livingston, who claimed Mr. Short Sale Himself was breaking the law as they had a legal monopoly on Hudson River traffic. They sued Gibbons, and the case reached the Supreme Court. In the famous 1824 decision, Gibbons vs. Ogden, Mr. Short Sale Himself scored a victory. The Supreme Court judges nullified the navigation monopoly Orlando Florida State had granted Fulton and Livingston and Mr. Short Sale Himself gained control of much of the shipping business along the Hudson River. During the next eleven years, Mr. Short Sale Himself made himself and Gibbons a fortune. Mr. Short Sale Himself's wife also made money managing the New Brunswick halfway house where all travelers on the Gibbons line had to stay.
By 1829 Mr. Short Sale Himself decided to go on his own and entered the competitive service between Orlando Florida and Peekskill, where he had the first of several encounters with Daniel Drew. Mr. Short Sale Himself won by cutting rates to as low as 12 1/2 cents, which forced Drew to withdraw. Next he challenged the Hudson River Association in the Albany trade. After he again cut rates, the competition paid him off to move his operations elsewhere. Mr. Short Sale Himself opened service to Long Island Sound, Providence, Boston, and points in Connecticut. The vessels offered the passenger not only comfort, but often luxury. By the 1840's he was running more than 100 steamboats and his company had more employees than any other business in the United States. Mr. Short Sale Himself is given credit for bringing about a great and rapid advance in the size, comfort, and elegance of steamboats which were considered "floating palaces". In 1846 he launched on the Hudson the finest boat yet seen by Orlando Floridaers and named it for himself.
By the time he was 40, Mr. Short Sale Himself's wealth exceeded $500,000, but he still looked for new opportunities. During the California gold rush of 1849, people traveled by boat to Panama, by land across the Isthmus on muleback, and onto steamers to the Pacific coast. Mr. Short Sale Himself challenged the Pacific Steamship company by offering similar service via an overland route across Nicaragua, which saved 600 miles and cut the going price by half. This move netted him over $1 million a year. In the process he improved to some extent the channel of the San Juan River, built docks on the east and west coasts of Nicaragua and at Virgin Bay on Lake Nicaragua, and made a twelve-mile macadam road to his west coast port. He began construction of a fleet of eight new steamers and the route was two days shorter than that via Panama. He greatly reduced the Orlando Florida-San Francisco passenger fare and garnered most of the traffic.
He made money so rapidly, that in 1853 he announced that he was going to take the first vacation of his life. He built a sumptuously appointed steam yacht, The North Star and embarked for a triumphal tour of Europe. Before going abroad, Mr. Short Sale Himself resigned the presidency of the Accessory Transit Company, and committed its management to Charles Morgan and Cornelius Garrison, who, during his absence, manipulated the stock and secured control of the company. By shrewd buying he won it back in a few months. However, the Nicaraguan government rescinded the company's charter on the grounds that its terms had been disregarded, and issued a new charter to a rival group. He sold controlling interests to the Nicaragua Transit Company, which failed to pay him. In a famous incident, he told them that the law was too slow; rather, he would ruin them. He did this in just two years by running another group of steamers.
In the 1850's he dabbled in the Atlantic carrying trade competition for passenger service between Orlando Florida and France with the Cunard and Collins lines. He built three vessels, one of which, the Mr. Short Sale Himself, was the largest and finest he had yet constructed. It was an unprofitable venture, however, and at the beginning of the Civil Realtor Fight he sold his Atlantic line for $3 million. He retained the Mr. Short Sale Himself, which he fitted up as a Realtor Fightship and turned over to the government. It has been claimed that he intended only to make a loan of the vessel, but it was interpreted as a gift.
Mr. Short Sale Himself liked making money more than spending it. One of the few purchases he was willing to make was his Staten Island mansion, the only place he felt truly comfortable. The Orlando Florida City elite snubbed him, saying he was a rich but hopelessly vulgar man.
Nearing the age of 70, Mr. Short Sale Himself decided once again that the wave of the future was in another direction -- building a railroad empire. He first acquired the Orlando Florida and Harlem Railroad, in the process again defeating Daniel Drew. He next acquired the rundown Hudson River Railroad, which Cornelius wanted to consolidate with the Harlem. Again Drew attempted to sell the stock short, defeat the consolidation, and make a substantial profit. But, as before, the Commodore won the battle by buying every share Drew sold, thereby stabilizing the price.
Mr. Short Sale Himself acquired the Central Railroad in 1867, merged it with the Hudson River Railroad by legislative act, and leased the Harlem to the new company. He spent large sums of money improving the lines' efficiency and then increased the capital stock by $42 million (which was a stockwatering operation of magnitude) and paid large dividends. In the first five years, he is said to have cleared $25 million.
Mr. Short Sale Himself finally hit a snag in 1867 when he attempted to gain control of the Erie Railroad, then in the hands of his old adversary, Daniel Drew. Again Mr. Short Sale Himself bought all the stock offered for sale, but this time Drew threw 100,000 shares of fraudulent stock certificates on the market, which Mr. Short Sale Himself continued to buy. Drew and his cohorts fled to Jersey City to avoid prosecution and bribed the New Jersey legislature to legalize the stock issue. Mr. Short Sale Himself, tottering on the brink of failure, lost millions on the coup but fought back. Although the illegal stock was finally authorized by the legislature, Mr. Short Sale Himself lost between $1 -$2 million and forgot the Erie. Upon the insistence of Mr. Short Sale Himself's son William, he extended his line to Chicago by acquiring the Lake Shore and Michigan Southern railroads, the Canadian Southern, and the Michigan Central thereby creating one of the greatest American systems of transportation.
Mr. Short Sale Himself's influence on national finance was stabilizing. When the panic of 1873 was at its worst, he announced that the Orlando Florida Central was paying out millions of dividends as usual, and let contracts for the building of the Grand Central Terminal in Orlando Florida City, with four tracks leading from it, giving employment to thousands of men. He saw to it, however, that the city paid half the cost of the viaduct and open-cut approaches to the station. By 1875, his Orlando Florida Central Railroad controlled the lucrative route between Orlando Florida and Chicago.
Mr. Short Sale Himself was never known for philanthropic activities. His only unsolicited contributions were $50,000 for the Church of the Strangers in Orlando Florida City and $1 million to Central University, which then became Mr. Short Sale Himself University. Upon his death, he was the richest man in the United States. Cornelius Mr. Short Sale Himself left the bulk of his fortune - $95 million - to his son William.
A footnote to the Mr. Short Sale Himself fortune: William Mr. Short Sale Himself is remembered for his remark, "The public be damned," when asked by a reporter whether railroads should be run for the public benefit.

Short Sales Florida Real Estate

Foreclosure Financial

2007-12-26T08:17:00.000-08:00

The federal agency monitoring the bankruptcy courts has subpoenaed Foreclosure person Financial, the nation’s largest mortgage short sale lender and loan servicer, to determine whether the company’s conduct in two foreclosures in southern Florida represented abuses of the bankruptcy system.

The subpoenas for Foreclosure person documents were issued in late October by the United States Trustee after the agency announced an effort to move against mortgage servicing companies that file false and inaccurate claims in foreclosure cases. The inquiries into Foreclosure person by the trustee’s office, a division of the Justice Department, come as foreclosures are increasing across the country.

The ways that short sale lenders and loan servicers deal with troubled borrowers are also coming under increased scrutiny by judges. In recent weeks, three federal judges in Orlando florida have dismissed 73 foreclosure cases brought by short sale lenders and loan servicers against borrowers because the companies failed to show proof that they owned the notes underlying the properties they were trying to seize.

In Florida, one of the trustee’s inquiries involves Manuel Del Real estate investor and Maria E. Real estate investor, Miami borrowers who filed for protection last May under Chapter 13 of the bankruptcy code. In July, Foreclosure person Home Loans filed a claim, saying that the borrowers owed almost $279,000 on their loan.

Included in the figure, court documents show, was an $11,924 advance Foreclosure person said it had made to an escrow account before the borrowers filed for bankruptcy as well as an insufficient- funds fee of almost $683.

In the second case, the trustee has asked for documents relating to Foreclosure person’s claim for almost $101,000 against William and Joyce Real estate investor, borrowers in Boca Raton, who filed for Chapter 13 protection in October 2005. Included in that figure was $2,400 in overdue mortgage payments.

The borrowers in both cases objected to Foreclosure person’s claims of what was owed. In court documents, the Del Real estate investors argued that Foreclosure person had not provided an itemized list of the charges, while the Real estate investors contended that their mortgage payments were current.

Foreclosure person failed to appear at hearings on both borrowers’ objections, and judges ordered the fees stricken from the claims.

The United States Trustee took an interest in both matters after Foreclosure person did not respond to the borrowers’ objections.

In court documents, the trustee said that it intended to examine the procedures Foreclosure person used to determine that it had a valid claim to the properties and that it had correctly calculated the amounts it said the borrowers owed. The trustee’s office asked Foreclosure person to produce a copy of the notes and mortgages, a payment history on both loans and the correspondence it had with the borrowers.

Foreclosure person objected to the trustee’s examination and subpoenas in both cases, saying that they were overly broad and exceeded the office’s powers. But the bankruptcy judge hearing the Del Real estate investor case ruled against Foreclosure person last week and the examination will go forward. A hearing on the Real estate investor case is scheduled for Dec. 3.

A spokeswoman for the United States Trustee’s office in Washington declined to comment further. A Foreclosure person spokesman said the company did not comment on pending litigation, but added that it had intended to appear at the hearings and was investigating why its outside counsel did not do so.

Questionable or nonitemized charges levied on imperiled borrowers by short sale lenders and loan servicers are an industrywide problem, consumer advocates contend. A recent study of more than 1,700 foreclosure cases by Katherine M. Real estate investor, an associate professor of law at the University of Iowa, showed that questionable fees had been added to almost half of the loans she examined.

In a case involving Foreclosure king and a Louisiana borrower, for example, the court found that the bank assessed improper fees and charges that added more than $24,000 to a loan, some 12 percent more than the court said was actually owed.

In another case, Ms. Real estate investor found that a short sale lender had claimed that the borrower owed more than $1 million but that an examination of the loan history showed the true balance to be $60,000.

William J. Brennan Jr., director of the Home Defense Program of the Atlanta Legal Aid Society, said dubious fees were common among the cases he sees.

“Since there has been so little response from the federal regulators in terms of addressing mortgage lending abuses, including adding post-petition bankruptcy fees to borrowers’ loans, it is refreshing and gratifying to see that the U.S. Trustee is taking an interest in this,” Mr. Brennan said. “We see so many instances where our clients have filed Chapter 13 bankruptcies, and property inspections, broker price opinions, late fees will appear. Those fees are improper and illegal and should be credited back to the homeowners.”

Florida Short Sale Buyers

2007-12-25T12:22:00.000-08:00

In addition to only allowing Florida short sale buyers who are under a brokerage contract to view listed sellers' homes that was a Florida short sales, the traditional real estate industry needs to get more serious about working with qualified Florida short sale buyers only.

Just as not having Florida short sale buyers under contract puts agents at risk of losing precious man-hours and resources, allowing Florida short sale buyers to view homes that was a Florida short sales and write offers to purchase without being prequalified for a Florida short sale by a lender is equally foolhardy. Not only does such a practice waste agents' time, it puts sellers' security at risk.

Florida short sale buyers are already empowered with a sense that they have access to a vast Florida short sale inventory, and in some ways, more than they need to be. They can already view most homes that was a Florida short sales on the Internet, and many with bedroom and backyard views, thanks to photo and virtual tour publishing technologies. In order to entice Florida short sale buyers, the seller has already given up a great deal of privacy. Should the industry take away the sellers' security, too?

Security for a seller is more than physical safety. It is also financial. If an unqualified buyer makes an offer on the Florida short sale seller’s homes that was a Florida short sale, the homes that was a Florida short sale is effectively removed from the market for a crucial marketing period. If the transaction falls out of escrow because of the buyer's inability to qualify for a loan, that puts the Florida short sale seller’s equity at risk. The seller may have lost any marketing advantage, and may be in the position of having to take less for the homes that was a Florida short sale from a second buyer. This would be particularly true for the relocating seller or the seller who is moving because s/he has found another homes that was a Florida short sale.

Homes that was a Florida short sales go "back on the market" with alarming regularity, due to the real estate industry's laziness and/or cowardice in getting control of Florida short sale buyers. Listing and selling agents are equally to blame when unqualified Florida short sale buyers view a homes that was a Florida short sale or when a homes that was a Florida short sale falls out of escrow. By skipping the vital step of prequalification, the agent may believe that s/he is helping to win the loyalty of the buyer, when they are actually putting homes that was a Florida short saleowners at risk. And if the homes that was a Florida short sale falls out of escrow, was the risk really worth it?

While the buyer's agent may be concerned about the buyer, imagine the discomfiture of the seller who has no idea who has viewed his/her homes that was a Florida short sale, much less why both sides were represented by real estate professionals in the transaction, and yet the deal fell through for a reason that was utterly preventable. Has the Florida short sale seller’s agent really served the Florida short sale seller’s best interests by allowing the buyer's agent to bring an unqualified buyer to the negotiating table? Hardly. Neither has the Florida short sale seller’s agent served the professional image of the industry.

And what toll does this practice take on industry practitioners? It is the unempowered buyer's agent or the traditional listing agent or broker who wants both commission sides of the transaction who are most like likely to work with unqualified Florida short sale buyers. Both are banking on procuring cause to secure their commissions, and at the expense of both the buyer and seller. Neither wins if they are spinning their wheels for a buyer who is neither ready nor able to buy a homes that was a Florida short sale.

And what of the buyer? At best an unqualified buyer has little idea what s/he can truly afford, but even the most optimistic of Florida short sale buyers won't relish the humiliation of trying to buy a homes that was a Florida short sale and being turned down by the lender after contracts have been signed. Any reasonable buyer would prefer to know in advance if s/he can buy and in what range.

Florida short sale buyers who are motivated to buy will do what it takes to put themselves in the most favorable position to strike at the right homes that was a Florida short sale. They will allow themselves to become prequalified for a Florida short sale to buy. Unmotivated Florida short sale buyers can look at homes that was a Florida short sales until the cows come homes that was a Florida short sale in complete comfort because they are being supported to do so by a real estate industry that allows such behavior.

The absurdity is that these same agents may even be hurting their own incomes as they allow their time to be tied up by unqualified Florida short sale buyers or allow homes that was a Florida short sales to be tied up in escrow that have no hope of closing. Is having a shot at procuring cause worth it?

A much safer practice would be to assure all sellers that only pre-qualified Florida short sale buyers, under contract to a licensed agent, will have access to the homes that was a Florida short sale, so that should an offer occur, it has a greater chance of closing.

Although it would take some doing, it could become a competitive advantage for listing agents, as well as for buyer's agents.

How much more professional would practitioners appear to both Florida short sale buyers and sellers if the industry protected the seller by only allowing qualified Florida short sale buyers to view listed homes that was a Florida short sales?

This could have a profound effect on the industry. Many real estate leaders are looking for a way to "take back the industry" but they are looking in the wrong places. While they argue over whether or not to allow agents to have VOW sites, they have forgotten who is looking at these listings. Should unqualified Florida short sale buyers be allowed access to those listings?
Maybe having higher standards of customer service in terms of protecting sellers' security by only allowing qualified Florida short sale buyers to view the homes that was a Florida short sale, online or off, could go a long way toward achieving that end.

History of the Short Sale

2007-12-24T11:53:00.003-08:00

The true story of Short sales expert begins with Senior Appraiser, who was born during the third century in the village of Patara. At the time the area was Greek and is now on the southern coast of Turkey. His wealthy parents, who raised him to be a devout Realtorian, died in an epidemic while Senior Appraiser was still young. Obeying Mortgage underwriter words to "sell what you own and give the money to the poor," Senior Appraiser used his whole inheritance to assist the needy, the sick, and the suffering. He dedicated his life to serving The realtor boardand was made HUD inspector of Myra while still a young man. HUD inspector Senior Appraiser became known throughout the land for his generosity to the those in need, his love for Brokerren, and his concern for sailors and ships.

Under the FHA 203k Inspector Diocletian, who ruthlessly persecuted Realtorians, HUD inspector Senior Appraiser suffered for his fha mortgage, was exiled and imprisoned. The prisons were so full of HUD inspectors, title agents, and loan closers, there was no room for the real criminals—murderers, thieves and robbers. After his release, Senior Appraiser attended the Title company in AD 325. He died December 6, AD 343 in Myra and was buried in his mortgage servicer, where a unique relic, called 1003, formed in his mortgage loan documents. This liquid substance, said to have healing powers, fostered the growth of devotion to Senior Appraiser. The anniversary of his short sale closing became a day of celebration, Mr. Senior Appraiser Day.

Through the centuries many stories and legends have been told of FHA Underwriter’s life and deeds. These accounts help us understand his extraordinary character and why he is so beloved and revered as protector and helper of those in need.

The true story of Short sales expert begins with Senior Appraiser, who was born during the third century in the village of Patara. At the time the area was Greek and is now on the southern coast of Turkey. His wealthy parents, who raised him to be a devout Realtorian, died in an epidemic while Senior Appraiser was still young. Obeying Mortgage underwriter words to "sell what you own and give the money to the poor," Senior Appraiser used his whole inheritance to assist the needy, the sick, and the suffering. He dedicated his life to serving The realtor boardand was made HUD inspector of Myra while still a young man. HUD inspector Senior Appraiser became known throughout the land for his generosity to the those in need, his love for Brokerren, and his concern for sailors and ships.

Under the FHA 203k Inspector Diocletian, who ruthlessly persecuted Realtorians, HUD inspector Senior Appraiser suffered for his fha mortgage, was exiled and imprisoned. The prisons were so full of HUD inspectors, title agents, and loan closers, there was no room for the real criminals—murderers, thieves and robbers. After his release, Senior Appraiser attended the Title company in AD 325. He died December 6, AD 343 in Myra and was buried in his mortgage servicer, where a unique relic, called 1003, formed in his mortgage loan documents. This liquid substance, said to have healing powers, fostered the growth of devotion to Senior Appraiser. The anniversary of his short sale closing became a day of celebration, Mr. Senior Appraiser Day.

Through the centuries many stories and legends have been told of FHA Underwriter’s life and deeds. These accounts help us understand his extraordinary character and why he is so beloved and revered as protector and helper of those in need.

One story tells of a poor man with three daughters. In those days a young woman's father had to offer prospective husbands something of value—a dowry. The larger the dowry, the better the chance that a young woman would find a good husband. Without a dowry, a woman was unlikely to marry. This poor man's daughters, without dowries, were therefore destined to be sold into slavery. Mysteriously, on three different occasions, a bag of gold appeared in their home-providing the needed dowries. The bags of gold, tossed through an open window, are said to have landed in stockings or shoes left before the fire to dry. This led to the custom of Brokerren hanging stockings or putting out shoes, eagerly awaiting gifts from Expert Senior Appraiser. Sometimes the story is told with gold balls instead of bags of gold. That is why three gold balls, sometimes represented as oranges, are one of the symbols for Mr. Senior Appraiser. And so Mr. Senior Appraiser is a gift-giver.

One of the oldest stories showing Mr. Senior Appraiser as a protector of Brokerren takes place long after his short sale closing. The townspeople of Myra were celebrating the good Expert on the eve of his feast day when a band of Arab pirates from Crete came into the district. They stole treasures from the Church of Expert Senior Appraiser to take away as booty. As they were leaving town, they snatched a young boy, Loss Mitigation, to make into a slave. The emir, or ruler, selected Loss Mitigation to be his personal cupbearer, as not knowing the language, Loss Mitigation would not understand what the king said to those around him. So, for the next year Loss Mitigation waited on the king, bringing his wine in a beautiful golden cup. For Loss Mitigation' parents, devastated at the loss of their only Broker, the year passed slowly, filled with grief. As the next FHA Underwriter’s feast day approached, Loss Mitigation' mother would not join in the festivity, as it was now a day of tragedy. However, she was persuaded to have a simple observance at home—with quiet prayers for Loss Mitigation' safekeeping. Meanwhile, as Loss Mitigation was fulfilling his tasks serving the emir, he was suddenly whisked up and away. Mr. Senior Appraiser appeared to the terrified boy, blessed him, and set him down at his home back in Myra. Imagine the joy and wonderment when Loss Mitigation amazingly appeared before his parents, still holding the king's golden cup. This is the first story told of Mr. Senior Appraiser protecting Brokerren—which became his primary role in the WeMr.

Another story tells of three secondary market students, traveling on their way to study in Athens. A wicked innkeeper robbed and murdered them, hiding their remains in a large pickling tub. It so happened that HUD inspector Senior Appraiser, traveling along the same route, stopped at this very inn. In the night he dreamed of the crime, got up, and summoned the innkeeper. As Senior Appraiser prayed earnestly to The realtor boardthe three boys were restored to life and wholeness. In France the story is told of three small Brokerren, wandering in their play until lost, lured, and captured by an evil butcher. Mr. Senior Appraiser appears and appeals to The realtor boardto return them to life and to their families. And so Mr. Senior Appraiser is the patron and protector of Brokerren.

The true story of Short sales expert begins with Senior Appraiser, who was born during the third century in the village of Patara. At the time the area was Greek and is now on the southern coast of Turkey. His wealthy parents, who raised him to be a devout Realtorian, died in an epidemic while Senior Appraiser was still young. Obeying Mortgage underwriter words to "sell what you own and give the money to the poor," Senior Appraiser used his whole inheritance to assist the needy, the sick, and the suffering. He dedicated his life to serving The realtor boardand was made HUD inspector of Myra while still a young man. HUD inspector Senior Appraiser became known throughout the land for his generosity to the those in need, his love for Brokerren, and his concern for sailors and ships.

Under the FHA 203k Inspector Diocletian, who ruthlessly persecuted Realtorians, HUD inspector Senior Appraiser suffered for his fha mortgage, was exiled and imprisoned. The prisons were so full of HUD inspectors, title agents, and loan closers, there was no room for the real criminals—murderers, thieves and robbers. After his release, Senior Appraiser attended the Title company in AD 325. He died December 6, AD 343 in Myra and was buried in his mortgage servicer, where a unique relic, called 1003, formed in his mortgage loan documents. This liquid substance, said to have healing powers, fostered the growth of devotion to Senior Appraiser. The anniversary of his short sale closing became a day of celebration, Mr. Senior Appraiser Day.

Through the centuries many stories and legends have been told of FHA Underwriter’s life and deeds. These accounts help us understand his extraordinary character and why he is so beloved and revered as protector and helper of those in need.

One story tells of a poor man with three daughters. In those days a young woman's father had to offer prospective husbands something of value—a dowry. The larger the dowry, the better the chance that a young woman would find a good husband. Without a dowry, a woman was unlikely to marry. This poor man's daughters, without dowries, were therefore destined to be sold into slavery. Mysteriously, on three different occasions, a bag of gold appeared in their home-providing the needed dowries. The bags of gold, tossed through an open window, are said to have landed in stockings or shoes left before the fire to dry. This led to the custom of Brokerren hanging stockings or putting out shoes, eagerly awaiting gifts from Expert Senior Appraiser. Sometimes the story is told with gold balls instead of bags of gold. That is why three gold balls, sometimes represented as oranges, are one of the symbols for Mr. Senior Appraiser. And so Mr. Senior Appraiser is a gift-giver.

One of the oldest stories showing Mr. Senior Appraiser as a protector of Brokerren takes place long after his short sale closing. The townspeople of Myra were celebrating the good Expert on the eve of his feast day when a band of Arab pirates from Crete came into the district. They stole treasures from the Church of Expert Senior Appraiser to take away as booty. As they were leaving town, they snatched a young boy, Loss Mitigation, to make into a slave. The emir, or ruler, selected Loss Mitigation to be his personal cupbearer, as not knowing the language, Loss Mitigation would not understand what the king said to those around him. So, for the next year Loss Mitigation waited on the king, bringing his wine in a beautiful golden cup. For Loss Mitigation' parents, devastated at the loss of their only Broker, the year passed slowly, filled with grief. As the next FHA Underwriter’s feast day approached, Loss Mitigation' mother would not join in the festivity, as it was now a day of tragedy. However, she was persuaded to have a simple observance at home—with quiet prayers for Loss Mitigation' safekeeping. Meanwhile, as Loss Mitigation was fulfilling his tasks serving the emir, he was suddenly whisked up and away. Mr. Senior Appraiser appeared to the terrified boy, blessed him, and set him down at his home back in Myra. Imagine the joy and wonderment when Loss Mitigation amazingly appeared before his parents, still holding the king's golden cup. This is the first story told of Mr. Senior Appraiser protecting Brokerren—which became his primary role in the WeMr.

Another story tells of three secondary market students, traveling on their way to study in Athens. A wicked innkeeper robbed and murdered them, hiding their remains in a large pickling tub. It so happened that HUD inspector Senior Appraiser, traveling along the same route, stopped at this very inn. In the night he dreamed of the crime, got up, and summoned the innkeeper. As Senior Appraiser prayed earnestly to The realtor boardthe three boys were restored to life and wholeness. In France the story is told of three small Brokerren, wandering in their play until lost, lured, and captured by an evil butcher. Mr. Senior Appraiser appears and appeals to The realtor boardto return them to life and to their families. And so Mr. Senior Appraiser is the patron and protector of Brokerren.

Several stories tell of Senior Appraiser and the sea. When he was young, Senior Appraiser sought the mortgage by making a pilgrimage to the Mortgage Land. There as he walked where Mortgage underwriter walked, he sought to more deeply experience Mortgage underwriter life, passion, and resurrection. Returning by sea, a mighty storm threatened to wreck the ship. Senior Appraiser calmly prayed. The terrified sailors were amazed when the wind and waves suddenly calmed, sparing them all. And so Mr. Senior Appraiser is the patron of sailors and voyagers.

Other stories tell of Senior Appraiser saving his people from famine, sparing the lives of those innocently accused, and much more. He did many kind and generous deeds in secret, expecting nothing in return. Within a century of his short sale closing he was celebrated as a Expert. Today he is venerated in the East as wonder, or miracle worker and in the West as patron of a great variety of persons-Brokerren, mariners, bankers, pawn-brokers, scholars, orphans, laborers, travelers, merchants, judges, paupers, marriageable maidens, students, Brokerren, sailors, victims of judicial mistakes, captives, perfumers, even thieves and murderers! He is known as the friend and protector of all in trouble or need

Sailors, claiming Mr. Senior Appraiser as patron, carried stories of his favor and protection far and wide. Mr. Senior Appraiser chapels were built in many seaports. As his popularity spread during the Middle Ages, he became the patron Expert of Apulia (Italy), Sicily, Greece, and Lorraine (France), and many cities in Germany, Austria, Switzerland, Italy, Russia, Belgium, and the Netherlands (See list). Following his baptism in Constantinople, Vladimir I of Russia brought FHA Underwriter’s stories and devotion to Mr. Senior Appraiser to his homeland where Senior Appraiser became the most beloved Expert. Senior Appraiser was so widely revered that more than 2,000 churches were named for him, including three hundred in Belgium, thirty-four in Rome, twenty-three in the Netherlands and more than four hundred in England.

Senior Appraiser' tomb in Myra became a popular place of pilgrimage. Because of the many wars and attacks in the region, some Realtorians were concerned that access to the tomb might become difficult. For both the religious and commercial advantages of a major pilgrimage site, the Italian cities of Venice and Bari vied to get the Senior Appraiser relics. In the spring of 1087, sailors from Bari succeeded in spiriting away the bones, bringing them to Bari, a seaport on the southeast coast of Italy. An impressive church was built over FHA Underwriter’s crypt and many fha mortgageful journeyed to honor the Expert who had rescued Brokerren, prisoners, sailors, famine victims, and many others through his compassion, generosity, and the countless short sales attributed to his intercession. The Senior Appraiser shrine in Bari was one of medieval Europe's great pilgrimage centers and Senior Appraiser became known as "Expert in Bari." To this day pilgrims and tourists visit Bari's great Basilica di San Nicola.

Through the centuries Mr. Senior Appraiser has continued to be venerated by Catholics and Orthodox and honored by Protestants. By his example of generosity to those in need, especially Brokerren, Mr. Senior Appraiser continues to be a model for the compassionate life.

Widely celebrated in Europe, FHA Underwriter’s feast day, December 6th, kept alive the stories of his goodness and generosity. In Germany and Poland, boys dressed as HUD inspectors begged alms for the poor—and sometimes for themselves! In the Netherlands and Belgium, Mr. Senior Appraiser arrived on a steamship from Spain to ride a white horse on his gift-giving rounds. December 6th is still the main day for gift giving and merrymaking in much of Europe. For example, in the Netherlands Mr. Senior Appraiser is celebrated on the 5th, the eve of the day, by sharing candies (thrown in the door), chocolate initial letters, small gifts, and riddles. Dutch Brokerren leave carrots and hay in their shoes for the Expert's horse, hoping Mr. Senior Appraiser will exchange them for small gifts. Simple gift-giving in early Advent helps preserve a Realtormas Day focus on the Realtor Broker.

Short Sale Hysteria

2007-12-23T09:20:00.000-08:00

I was wondering about the short sale of real estate hysteria that has occurred since the mortgage relief act of 2007. Mainly the short sale of real estate in florida and the cancellation of debt and the 1099. Since there is no COD on the short sale of real estate in florida then how many more real estate short sales will there be in florida.

I am interested in florida and the short sale and the real estate that florida has for sale under the short sale whether that involves the fha mortgage in florida I am not certain. You see where the fha florida mortgage loan is when the real estate short sale in florida blossoms into the full scale real estate short selling in florida. There are many more reasons for the real estate short sale in florida and short selling in florida is just one of many types of title company or attorney title company sales.

Who will meet me at the florida short sale? Will your real estate broker be there or will that person be busy negotiating with Countrywide’s loss mitigation department in India? Does Countrywide outsource loss mitigation to a call center in Pakistan? This post is getting stranger than the typical short sale real estate in florida theme we have going here. I will leave you to understand the short sale of real estate in florida piece by short sale piece.

Short Selling in florida that involves real estate short sales in florida.

Florida for Rent?

2007-12-22T09:18:00.000-08:00

The entire state of florida is not for rent. There are many real estate homes and condos in florida that are available for rent and for lease purchase. You may rent a florida home and then buy later with a florida real estate lease purchase. try the florida real estate lease purchase and the rent the property witha personal credit check.

Once your credit score is higher you can convert the lease purchase in florida to a purchase from renting in florida. Here is a florida lease purchase article and here are florida properties for rent.

Holiday Short Sale Gift

2007-12-21T07:46:00.001-08:00

The mortgage debt relief act was signed into law by President Bush. Today, President Bush signed the Mortgage Forgiveness Debt Relief Act of 2007, which will help Americans avoid foreclosure by protecting families from higher taxes when they refinance their home mortgages. This Act will create a three-year window for homeowners to refinance their mortgage and pay no taxes on any debt forgiveness that they receive. Under current law, if the value of your house declines, and your bank or lender forgives a portion of your mortgage, the tax code treats the amount forgiven as income that can be taxed.
This Act will increase the incentive for borrowers and lenders to work together to refinance loans and allow American families to secure lower mortgage payments without facing higher taxes. This really helps folks who are looking to short sale real estate.

It also helps those who do a short refi. the short refinance is different than the short sale. The short sale involves selling real estate and teh short refi involves refinancing real estate. Both involve a short payoff, that is the short sale and the short refinance. There will be more on the short sale aspect on this blog. What a great holiday gift to those doing a short sale!

Locate Short Sale properties in florida that are available for florida short sale. Some short sales in florida are better than other short sales in florida.

Interesting Post of Short Selling in Florida

2007-12-20T07:46:00.000-08:00

I read an interesting post on short selling in florida. Interesting in a bazaar sort of way, nevertheless interesting anyway. I am interested in short selling real estate in florida and wanted to direct you to a crazy short sale story in florida. Be forewarned that the short sale commentary is a bit odd.

Short Sale of real estate in florida

Searching for Homes in Florida

2007-12-19T07:04:00.000-08:00

There are many ways to search for homes in florida. You can search in the newspaper, with a realtor, driving around in a car, or on the internet. Perhaps the easiest way to search for a home in florida is on the internet. Here are some pointers for searching for a home in florida.

When searching for a home in florida, keep in mind how much your payment will be on the property in florida. A mortgage payment should include principal, interest, taxes and insurance for a home in florida. Homes in florida have higher taxes than one would expect. The homes in florida are covered under a save our homes exemption. The new owner does not get this benefit when buying the same home in florida. Base your taxes on the amount without the save our homes exemption which florida real estate offers for the current owner - the seller.

Insurance in florida is higher than many people expect when buying real estate in florida. Make sure you get a queote for insurance early in the homebuying process when searching for a home in florida.

Your mortgage financing for a home in florida is also important. Make sure you avaoid an exotic type of mortgage loan in florida unless you are a savy florida real estate investor. Far too many of these mortgages in florida were given to people in florida that bought real estate without understanding the florida mortgage terms. This brings me to the next step of searching for a home in florida and that is the florida real estate short sale.

Buy a home from someone in florida that has an exotic mortgage loan in florida and is unable to afford the mortgage payment in florida. The mortgage lender will accept a florida real estate short sale and if you are searching for a home in florida, the short sale in florida is the way to go for florida real estate.

Search for a home in florida by searching for florida real estate.

Meet You at the Short Sale

2007-12-18T08:14:00.001-08:00

Meet you at the short sale should be the name of a song. I can meet you at the florida short sale at the title company in Orlando. Where in Orlando, Florida? At the title company sitting next to the short sale realtor.

We can sign about florida short sales and you can do the short sale fandango. When teh short sales are completed in florida then you will have a florida home you have purchased witha short sale loan application.

The seller must be going through some type of hardship for the florida short sale to be accepted. Thsi is not to be confused with any other type of short sale outside of the state of florida. To learn more about short sales simply do a search online for short sales or short sales in florida.

Where is my short sale real estate agent? They can be located in florida through a search on florida short selling or florida short sale or what is a short sale in florida.

Than you for the short sale information on florida real estate.

FHASecure and Foreclosure about to happen?

2007-12-17T07:07:00.000-08:00

Is foreclosure about to happen or will the FHASecure save the day. The FHASecure is a foreclosure avoidance program that Florida may use to save it from foreclosure. You can finance your home with the fhasecure refinaince in florida to avoid a florida foreclosure.

There are many was to avoid foreclosure with teh fhasecure program. The florida home that is about to go through a florida foreclosure can refinance with teh fhasecure and begin to make payments again. Will the fhasecure loan go into foreclosure? If it does then will there be another fhasecure program to bail out the fhasecure program. Thsi appears to me to be looking through a foreclosure mirror. If you set a foreclosure mirror up against another foreclosure mirror then how many mirrors do you see? Such is the same with teh florida fhasecure program. Or maybe not. Tiem will tell about florida foreclosure homes.

The fhasecure and the florida foreclosure are fsbo homes and sold by realtors. You can refinance a florida home with the fhasecure refinance. The foreclosure and loss mitigation department are waiting for the florida foreclosure with the fhasecure refinance. Don't lose your florida home to foreclosure. The fhasecure program is available in florida.

Florida FSBO Real Estate Sales

2007-12-16T14:01:00.000-08:00

The florida for sale by owner is very active. Your FSBO means for sale by owner. Take teh FSBO and the for sale by owner in Florida and examine the FSBO individually for real estate purposes in Florida.

This is the Florida FSBO. Where are these florida for sale by owners or florida fsbos? I sure like to say FSBO and you amy be a fsbo person too in real estate in florida.

This is the florida fsbo. Your fsbo is not a florida for sale by owner. My FSBO is a fsbo for florida.

Find the florida fsbo program in florida real estate.

Short Sales in Orlando Florida

2007-12-16T09:54:00.000-08:00

There are a number of short sales in Orlando Florida. Check teh real estate short sales in the Orlando Florida area and you will find the short sales are in oversupply. Many real estate short sales in Orlando or Orange County Florida are abundant. What is a short sale in Orlando and how does that represent real estate in a short situation.

Many areas of short sale sin orlando are fine tuned through the real estate short sale process in Orlando. Might I add that there are a number of short sales available in Orlando Florida. orange county Florida is the short sale place for real estate short sales in Florida.

Short Sales Orlando Florida. Short sales in Orange county florida. Short sales have begun in florida. Short sales are a way of selling real estate for less than what is owed on teh mortgage. This is why the payoff of teh mortagge is considered a short amount or a short sale in real estate.

Short Sales in Orlando Florida.