At Last! An Easy To Follow Guide Shows You How You Can... "Avoid Foreclosure Right Now...You Can Save Your Home From The Bank But You Have To Take Action Today! Stop Foreclosure Before It's Too Late!""You Get The Foreclosure Secrets of a 20 Year Veteran Mortgage Banker. My step by step guide shows you how to get foreclosure help today and save your home without a lawyer or going deeper in debt..."
It Seems Like All You Read About Today is Bad News You’ve seen recent headlines where homeowners all over the country with Adjustable Rate Mortgages (ARM’s) are losing their homes due to default and foreclosure. You may even know someone close to you who is experiencing this hardship. It has been a common practice, up until just recently, for some prime and sub-prime lenders to allow people with fixed incomes, first-time buyers, or with a "not so great" credit scores to borrow up to 125% of their homes appraised value. Have these lenders done these people a favor? NO! The enticement of a low introductory rate ARM, which made it very cheap to get into a home, has led many people to purchase homes well above their means of income. Sure it was affordable at first, but when the loan began to recast every 6 months and the payment increased, homeowners began defaulting on their payments in record numbers, making it impossible to refinance into fixed rate mortgages, which ultimately led to foreclosure. You need mortgage foreclosure solutions that work and you need them today!
From the desk of: Robert Barr Date: Why I wrote this book.... My name is Robert Barr and I have been a Mortgage Banker since 1973. I have lived through the days of 18% interest and zero growth in home values during the 70's and the hyper-growth and out of control spending of the late 80's and 90's. I retired in 2003 to spend time with my family after a long and fruitful career but I continued to watch the markets and stayed close with some of my former co-workers who confirmed for me that the market was changing and fast. You see, people piled on more and more debt through 2004 and 2005 and they took record amounts of equity from their homes to pay off credit cards, remodel, go on vacation, or buy expensive cars. That was fine as long as home prices continued to rise but all good things must come to an end. That end started in the Spring of 2007 when the first wave of banks and mortgage companies began reporting delayed mortgage payments and many began to initiate the foreclosure process on a record number people's homes to protect thier investment. Well, who is protecting yours? If you are past due on your mortgage payments you need to address it RIGHT NOW! If you are reading this sentence, chances are you have gotten behind on your mortgage. Maybe "gotten behind" is a loose definition for your home is about to be foreclosed on. That's o.k. but you have to act now! The first thing you need to do is work with your lender and my book will show you how, right now, today. There really is no time to waste, you need to get your act together today and take the right steps to save your home. Understand that as the bills piled up and you ignored the phone calls you lost valuable time. You should act today and get out in front of this problem. If it has been some time since you have spoken to your lender you must realize they are making plans to take your home. But you may have a chance to turn things around and stop the foreclosure process, keep your home, and avoid giving your house back to avoid foreclosure. Your home is the last thing you want to put into jeopardy and there are ways to stop the bank from taking it. But you are going to have to be proactive from here on out. You need to realize that the last thing the bank wants to do is take your home away from you. Not because they feel compassion or will lay awake at night thinking about you and your family out in the cold. While this "It's a Wonderful Life" moment may play well on t.v. you really are just a number to your lender and either your money or your home is what they are after. Now please pay attention, the bank does not want to have your home on their books. Understand that taking possession of your home represents a non-performing asset to the bank and they want to get it off of those books as quickly as possible. In reality, they would really rather not have to take your home at all. Here in lies one of the many dirty little secrets I reveal in the book. You see, given your perceived position of weakness, you actually have a very strong hand to play while trying to save your home and stave off foreclosure. How? Well this is just one of the many mortgage foreclosure solutions you will read about in the book! Since foreclosures involve time and expense for the lender, many banks have options available to "work out" an amicable resolution with you. Although you have no legal right to insist that the bank modifies a mortgage loan agreement to fit your changed financial circumstances, they would much rather modify your loan than go through the effort and expense of foreclosure and I will show you how. In the book I will show you how these "work out" resolutions can help save you from
the day your local sheriff puts padlocks on your very own home! I want you to.... Know The Foreclosure Laws in Your State and How to Stop The Foreclosure Process Right Now. I WIll Give You Real World Mortgage Foreclosure Solutions You Need to: Save Your Family's Home Today!
You will know:
At the end of a long and hard days work of running the kids around, of presentations and paperwork in the office, skipped meals because of some appointment, when all you want to do is sleep it all off, you come home to a bunch of harassing calls or final notices in the mail. This is not what you intended when you bought your home but it is now time to deal with it. You can't ignore this problem as it will litarally be at your front door within a few months. You need to take steps now to:
For most families, a home is not only a significant financial investment but also a source of pride. The loss of your home due to unexpected events such as loss of job, injury, or sickness can be financially and personally devastating. If you are facing any of these circumstances and cannot pay your bills, now is the time to look closely at what you owe and what you earn. You Need The Following Information To Arm Yourself:
Why? You need to eliminate unnecessary spending if you still can't meet your
financial obligations. Taking action now can help you protect your family from the loss of your home. I created this book to help you find
advice, information, and the help you need to keep your home.
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