Loan Modificaton Guideline Changes

Many banks are now granting Trial Loan Modification Payments at the end of the loan modification process. This is due to the fact that many homeowners were getting stuck with "NO True PERMANENT Loan Modification" Banks started implementing this Guideline change a few months back. This allows the bank to verify all the documentation you provided with your loan modification package. It also allows the bank to see if you can "make" loan payment on time.

Call today to get start 800-208-4753 Office or refionce@gmail.com

Former President Clinton: U.S. budget is broken

"25% Unemployment among Construction workers! 2 1/2 times the National Average"

Fortune http://bit.ly/dulxvI

Call me today to get started "Taking Real Financial Steps to save you money" 800-208-4753 Office or refionce@gmail.com

Refinance or Buy Today Lowest Interest Rates in 50 YEARS Won't last!!!

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

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

Fannie Mae Fights Back Against Strategic Defaulters

Great Article!

Fannie Mae announced today policy changes designed to encourage borrowers to work with their servicers and pursue alternatives to foreclosure.

Defaulting borrowers who walk-away and had the capacity to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan for a period of seven years from the date of foreclosure

Troubled borrowers who work with their servicers, and provide information to help the servicer assess their situation, can be considered for foreclosure alternatives, such as a loan modification, a short sale, or a deed-in-lieu of foreclosure. A borrower with extenuating circumstances who works out one of these options with their servicer could be eligible for a new mortgage loan in three years and in as little as two years depending on the circumstances


Call today to get started on foreclosure alternatives, such as a loan modification, a short sale, or a deed-in-lieu of foreclosure (800)208-4753 or email me at refionce@gmail.com

Click on the link below to see full article!

Fannie Mae Fights Back Against Strategic Defaulters

Recap of Real Estate News from CNBC Realty Check

Updated Interest Rates

NEED TO REFINANCE ? 30 Years Fix 4.50% 0 points to close with CASH OUT!!!
(Based on 680 Fico, 80% LTV, Full documentation)

Call today to get started 800-208-4753 Office or email me at refionce@gmail.com

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