Refinance or Purchase at Historical Low Interest Rates 0 points to close!!!

4.50% 30 year fix with 0 points to close!!!
4.50% 20 year fix with 0 points to close!!!
4.25% 10 year fix with 0 points to close!!!



CALL TO GET STARTED 800-208-4753 office or dreyes@refionce.com








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New rule expedites answers to short sale requests | democratandchronicle.com | Democrat and Chronicle

Based on what is happening right now hopefully these rules will speed the process up.

If you have any questions or need any help you can contact me at 800-208-4753 Office or refionce@gmail.com

New rule expedites answers to short sale requests | democratandchronicle.com | Democrat and Chronicle

Completed Loan Modification Most Updated Approvals!

Click below to see most updated Approvals! Banks are doing modifications
Get yours started today!

800-208-4753 Office or refionce@gmail.com


http://www.mediafire.com/?sharekey=3d1ffe6f43605ab0ab1eab3e9fa335ca6c1c07dfff641360

Interest Rates in the Mid 4% Fix for 15, 20, 30 Years Refinance or Purchase Now!

Contact me now if you are in the market to Buy or Refinance for Cash out!

800-208-4753 Office or refionce@gmail.com 

NEW APPROVAL!!!! SLS or Specialized Loan Servicing, LLC 2nd Mortgage Settled!

This is a 2nd mortgage with SLS.  The borrower owed the bank
$19,208.00! We just settled for $5,162.59!! that's over 70% off the original loan balance!

This was the fastest turn around for us about 5 days! We worked with this very nice person at the bank and followed up with her for the 5 days and we got the written approval just yesterday!

This borrower will be saving over $27,000.00 in just interest alone since the loan was amortized over 30 years at 7.25% fix over the life of the loan.

Check out the approval below!

http://www.mediafire.com/?mgyoi3fd52n

If you are in need of help with a Loan Modification or Settlement of a 2nd mortgage Contact me let's get started!
You can also give me a call with any questions you may have 800-208-4753 or by email at refionce@gmail.com

Time to Secure your Financial Foundation? HELL YEAH Check this out!

The economical BAD news keeps coming and I hate to say it but I hate it when I'm right. Down the road we will see HIGHER INTEREST RATES, HIGHER TAXES ESPECIALLY IN CALIFORNIA, MORE JOB LOSSES due to our slow down in our economy!

90% of home loan business is the Government.
Were down 4% on home loan applications for the 4th straight month.
Were down 40% on home loan applications from 1 month ago.

CHINA - How does this play out and matter to YOU and I Everyone is now talking about a slow down in China and a BUST IN REAL ESTATE! just like here!

EUROPE - About to Default without major CUTS many don't see that happening!

Most experts are now saying that if ALL this plays out then we WILL face a DOUBLE DIP RECESSION but in my opinion...WE ARE IN A DEPRESSION!

If you are in Financial Trouble LET ME HELP! Settle your Credit Card Debt! Do a Refinance Loan with Historical Interest Rates or do a Short Sale or Loan Modification! CALL ME NOW! 800-208-4753 Office or refionce@gmail.com

Loan Modification Approvals (Most Current)

Past Loan Modification Approvals! Save your money and your home!
Free Pre-Approval based on your Debt Ratio Gross Monthly & Monthly Mortgage Payment

PAST LOAN MODIFICATION APPROVALS CLICK BELOW & CALL TODAY 800-208-4753

http://www.mediafire.com/?sharekey=3d1ffe6f43605ab0ab1eab3e9fa335ca6c1c07dfff641360

Feel free to contact me at 800-208-4753. Based on HAMP Guidelines you may qualify for loan modification if your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) is more than 31% of your current gross income.

See how Homeowners are getting their Mortgages modified ! MANY ARE SAVING HUNDREDS EVEN THOUSANDS PER MONTH & OVER THE LIFE OF THE LOAN!!! CALL TODAY 800-208-4753

SEE OUR PAST APPROVALS BELOW!

http://www.mediafire.com/?sharekey=3d1ffe6f43605ab0ab1eab3e9fa335ca6c1c07dfff641360

For Some Homeowners in Foreclosure, a Rent-Free Approach - NYTimes.com

Foreclosure procedures have been initiated against 1.7 million of the nation’s households. The pace of resolving these problem loans is slow and getting slower because of legal challenges, foreclosure moratoriums, government pressure to offer modifications and the inability of the lenders to cope with so many souring mortgages.

The average borrower in foreclosure has been delinquent for 438 days before actually being evicted, up from 251 days in January 2008, according to LPS Applied Analytics.

For Some Homeowners in Foreclosure, a Rent-Free Approach - NYTimes.com


Feel free to contact me with any questions you may have at anytime. 800-208-4753 or refionce@gmail.com

Leading index posts first drop since early 2009 | Reuters

Leading index posts first drop since early 2009 | Reuters

Eye on the Loan Modifications - ProPublica

Awesome Site! With some much data and stories relating to Loan modifications and the Real Estate Industry!

Feel free to contact me with any questions you may have at anytime. 800-208-4753 or refionce@gmail.com



Eye on the Loan Modifications - ProPublica

Notice of Default Time Frame

STATES	NOTICE OF DEFAULT                  TIME   FRAME IN MONTHS
Alabama	3
Alaska	4
Arkansas	3
Arizona	3
California	4
Colorado	5
Connecticut	6
Delaware	7
Missouri	3
Montana	6
Nebraska	4
Nevada	4
New Hampshire	3
New Jersey	9
New Mexico	5
New York	10
DC	4
Florida	6
Georgia	3
Hawaii	7
Idaho	8
Illinois	7
Indiana	7
Iowa	7
Kansas	4
Kentucky	7
Louisiana	6
Maine	8
Maryland	5
Massachusetts	5
Michigan	3
Minnesota	4
Mississippi	4
North Carolina	4
North Dakota	4
Ohio	8
Oklahoma	7
Oregon	5
Pennsylvania	8
Phode Island	3
South Carolina	6
South Dakota	4
Tennessee	3
Texas	2
Utah	5
Vermont	9
Virginia	4
Washington	5
West Virginia	4
Wisconsin	9
Wyoming	3
Feel free to contact me with any questions 800-208-4753 or refionce@gmail.com

Underwater? Many are walking away!

Even though I don't recommend this for everyone it may be the last possible step a homeowner can take
to get their financial house in order.  Feel free to contact me 800-208-4753 or refionce@gmail.com

One in 7 US Homeowners Late Paying or In Foreclosure - CNBC

Article showing things are getting worse then what Media has been saying for much of this year. I feel that CNBC blog is sometimes too soft on the Banks and lenders
but they do cover a lot of issues.

In my professional opinion I see a double dip recession coming I apologize for the doom outlook and can't wait for the day I can say
that we are recovering but after the Summer time I see the Real Estate Values dropping more and the Unemployment Rate going over 10%

If you need help getting your Financial "House" in order feel free to contact me. 800-208-4753 Office or refionce@gmail.com

One in 7 US Homeowners Late Paying or In Foreclosure - CNBC

Past Loan Modification Approvals! Save your money and your home!

Free Pre-Approval based on your Debt Ratio Gross Monthly & Monthly Mortgage Payment

PAST LOAN MODIFICATION APPROVALS CLICK BELOW & CALL TODAY 800-208-4753

http://www.mediafire.com/?sharekey=3d1ffe6f43605ab0ab1eab3e9fa335ca6c1c07dfff641360

Feel free to contact me at 800-208-4753. Based on HAMP Guidelines you may qualify for loan modification if your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) is more than 31% of your current gross income.

See how Homeowners are getting their Mortgages modified ! MANY ARE SAVING HUNDREDS EVEN THOUSANDS PER MONTH & OVER THE LIFE OF THE LOAN!!! CALL TODAY 800-208-4753

SEE OUR PAST APPROVALS BELOW!

http://www.mediafire.com/?sharekey=3d1ffe6f43605ab0ab1eab3e9fa335ca6c1c07dfff641360

Move Your Money!!!!

Need Help Call me today! 800-208-4753 Office

America's Underclass: The Growing Gap Between the Rich and Poor

Get your financial house in order Call today 800-208-4753 OFFICE or email me at refionce@gmail.com See how you can save hundreds even thousands per month!

Macro economic data suggest the great recession is over. But the gap between the haves and the have-nots is growing, thanks, in large part, to a jobless recovery. Wall Street Cheat Sheet’s Damien Hoffman says the growing underclass now accounts for about 10% of the U.S. population.

In this clip, he and his brother Derek, who jointly run the Wall Street Cheat Sheet website, point to several signs America is turning into a two-class society:

* -The foreclosure problem. 2.8 million homes were foreclosed in 2009. RealyTrac expects that number to increase to 3-3.5 million in 2010. Damien Hoffman thinks it could be even higher if "strategic foreclosures" become a more accepted practice.
* - Unemployment. The official rate is 9.9% but the wider measure of under employed and those who have given up on their job search is more like 17%. That's more than 24 million Americans out of work.
* - Record numbers using food stamps. The Agriculture Department said a record 40 million Americans, or 1 in 8 Americans, may not be able to eat without government assistance. “This is the ultimate sign of an under class,” the Hoffman Brothers say.
* - Take a look at Dollar Tree Stores. The discounter's stock is near an all-time high while revenues are up 12.5% this year. In other words, more Americans are chasing cheaper goods.

Foreclosure numbers for California

I am reviewing the Foreclosure Radar report on Foreclosures in California for the month of April 2010.  The numbers are not good in my professional opinion.  It might be good news to some.. Lawyers and Realtors! Here is a breakdown

"Foreclosure filings were down in April for the 1st time since the beginning of the year.  Despite the decline in filings, the inventory of properties in Pre-foreclosure or scheduled for sale only dipped slightly as the drop in filings were offset by an increase in the time to foreclosure" --Foreclosure Radar

1. Notice of Trustee Sale

still close to the pace of 2009  3.10% vs. Prior Year

Notice of Trustee Sale filings set the date and time of auction and serve as the homeowner’s final notice before sale.

2. REO Inventory still high

REO is a class of property  owned by a lender, typically a bank, after an unsuccessful sale at a       foreclosure  auction.

3. Notice of Trustee Sale

Cancellations higher by 11.39% prior month and 174.37% from this time last year!!!!

*After the filing of a Notice of Trustee Sale, there are only three possible outcomes. First, the sale can be Cancelled for reasons that include a successful loan modification or short sale, a filing error, or a legal

requirement to re-file the notice after extended postponements. Alternatively, if the property is taken to sale, the Bank will place the opening bid. If a 3rd party, typically an investor, bids more than the bank’s opening bid, the property will be Sold to 3rd Party; if not, it will go Back to Bank and become part of that bank’s REO inventory. –Per Foreclosure Radar Report April report

This is the number that bugs me the most since it just shows that one a cancellation can be the bank re-filing    the Notice of Trustee sale due to extended postponements, a filing error or successful short sale or loan modification which I highly doubt.   Since I am seeing more and more banks delaying loan modification approvals  by up to 6 to 9 months.  The number just is not going down and it's creating a major back log.

4. Sold to 3rd Party

Is up 6.05% from the previous month and up 158.62% from last year!!! This just brings surrounding homes market    value down since most 3rd Party sales are below the Market value of the home.

Based on these numbers I don't see a Real Estate Recovery this year.  I would consider this year gone and done for Real Estate barring something drastically happening down this year like having the Federal Government doing something about changing the "Making Home Affordable" program to include values and having the Banks seriously doing modifications of home loans to a reasonable payment of the home loan since I see possible worse case scenarios affecting all debt ridden homeowners.  One scenario is Interest rates shooting upwards after inflation takes effect and it will due to ALL the spending being done by the Federal Government.  Second scenario is continuing slow down of the economy on the job front which experts are saying could last into 2014!!!!!!! All this will continue to trickle down the whole economy as a whole especially when our economy is 75% consumer spending!

I will be coming out with a Do it yourself Consumer and Loan modification package soon.  This package can get you on a more solid financial footing.  Feel free to call me at 800-208-4753 or email me at refionce@gmail.com for pre-order special price of $79.00 once the package goes online for sale the price will be $125.00. 

New Approval 2nd Mortgage with GMAC Settled for 20% of Original loan amount

This loan is a 2nd lien or 2nd mortgage on a Rental property. The original loan amount was $30,314.00.  GMAC at first turned down the settlement offer all together but after a few months they came around.  They came back with a initial offer of $7,500.00 we countered with $6,000.00 and we just got the approval! Click at the link to see it!
APPROVAL

So now the borrower has no 2nd mortgage and that eliminates the 2nd mortgage payment of $294.43 & over the life of the loan he is saving $70,000 in just what he would pay on INTEREST!!!

OLD TERMS

30,314.00 LOAN AMOUNT
11.25% INTEREST RATE
30 YEARS
$294.43 PRINCIPAL AND INTEREST


NEW TERMS

$6,000.00 SETTLEMENT AMOUNT
NO MORE PAYMENTS
NO MORE 2nd Mortgage


FYI I will soon be releasing a Consumer Credit & Loan Modification Package which could save you hundreds per month & hundreds of thousands over the life of the loan!  This will not be a just Do it yourself Package or E-BOOK.  This is a package of how to beat the banks at their own game! Sign up for email updates and I will send out an email once it's ready! Like always feel free to contact me at 800-208-4753 Office or email me at refionce@gmail.com for more information. 

New Approval! 2nd Home Rental Property GMAC!

This is a Rental Property & the borrower was on an Adjustable loan which got up to 11.00% before settling to 10.25% and the client was behind over 12 months on the mortgage payment.  His main worry was his Interest rate could go up higher once Interest rates start moving upwards.  The old and new terms are as follows

OLD TERMS

10.25% Interest Rate (Adjustable)
No Escrows included
12 months behind on mortgage payments
Loan modification was turned down once before by the bank

NEW TERMS

8.00% Interest Rate (Fixed)
Loan is now impounded
Client is now current and is longer facing foreclosure 




I would like to note that the loan modification is not the best of terms but at the end of the day ALL banks have the final say on what they want to give the Borrower as in new loan modification terms or even approving a loan modification.  Feel free to give me a call or email me with any questions you may have 800-208-4753 Office or refionce@gmail.com  Click on the link for Approval                                                                             http://bit.ly/ayjl5hNewApproval

Walking Away from your home! Interesting story on 60 minutes

Watch CBS News Videos Online


Feel free to contact me at 800-208-4753 or refionce@gmail.com if you have any questions regarding loan modifications or if you are thinking of doing a short sale on your home!