C21AGVoices

After attending the International Home and Housewares show, The Today Show filmed a 5-minute segment called “Housewares You Won’t Be Able To Live Without”. The title is somewhat over-the-top but don’t let that turn you off.  The gadgets reviewed are both practical and inexpensive.  They include: Make-no-mess vegetable peeler for the kitchen Efficient kabob tool […]

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Since 2007, foreclosures have dominated real estate news.  You can’t turn on the news or open a paper without some foreclosure-related story. But for all of the discussion, foreclosures continue to be geographically concentrated. Adding up the latest stats from RealtyTrac.com, more than half of the country’s foreclosure actions from March occurred in just 3 states — California, Florida […]

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Image by mary hodder via Flickr Congratulations! Your loan modification is almost done. Here are just a few tips to wrap up the process. You’ll receive a loan modification packet from your bank that looks very similar to loan documents. Review them to ensure the following terms are what you agreed to: Interest rate Interest […]

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Image by TheTruthAbout… via Flickr If you’ve gotten this far, congratulations! It means you’ve been approved as a loan modification candidate and the bank has or will be making you an offer very soon. This post will cover some ways to negotiate with your lender to get the best possible modified terms for your new […]

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Image by TheTruthAbout… via Flickr So far we’ve discussed the basics as it relates to getting a loan modification. Now we’ll talk about a few tips that will help you qualify for a loan modification. These tips are centered around your hardship letter and the monthly expense worksheet. The hardship letter Called an LOE in […]

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Image by TheTruthAbout… via Flickr So far we’ve discussed the basics as it relates to getting a loan modification. Now we’ll talk about a few tips that will help you qualify for a loan modification. These tips are centered around your hardship letter and the monthly expense worksheet. The hardship letter Called an LOE in […]

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Image by taberandrew via Flickr So far in this series we’ve talked about the process of loan modifications, how to get started and how to collect the information you need to accurately complete your monthly expense worksheet. The monthly expense worksheet is going to be used by your lender to determine if you qualify for […]

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Image by TheTruthAbout… via Flickr Once you’ve received your loan modification application from your lender it’s time to do your home work. What do we mean by “your homework?” We mean simply the collecting and ascertaining of your income and expenses in order to successfully complete your loan modification application. In brief – think back […]

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Image by TheTruthAbout… via Flickr Getting Started with a Loan Modification The mortgage payments are soaring because your ARM reset, or your income was cut in half, or two-thirds, or completely by a recent layoff. The bills are piling up and the savings is disappearing quickly. You need relief, and you’ve heard a lot about […]

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Image by Getty Images via Daylife Mortgage loan modification, the changing of terms on an existing home loan, is becoming a well-known practice as the US housing market continues to crater. Borrowers who find themselves underwater on their mortgage – owing more than the property is currently worth – and facing a rising monthly mortgage […]

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