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  • Important New Information About Wells Fargo Loan Modifications  By : Sarah Carlye
    Confused about whether you can qualify for a Wells Fargo loan modification to lower your mortgage payment? Homeowners facing financial difficulties may apply for a loan workout to lower their monthly loan payment to help them to stay in their home. However, each applicant must complete a loan modification package that will be reviewed for eligibility by the lender. One of the most important qualifications is called debt ratio-this is a percentage figure that Wells Fargo deems acceptable when calculating your new modified mortgage payment. Learn what this figure is and how to calculate your own debt ratio to make sure you have a chance at loan modification approval.
  • Is A Loan Modification Better Than A Refinance?  By : Sarah Carlye
    The current economic pinch has everyone scrambling for the fastest and most manageable solution to their ever-growing financial problems. It almost goes without saying that most people will resort to mortagaging their homes just to try to make ends meet, seeing as how more and more people are now subscribing to the adage that desperate times call for desperate measures, In a manner of speaking, taking out a mortgage on one`s home could be seen as a desperate measure. But what does a homeowner do if, even after taking out a mortgage on their home, they are still in desperate need of money? Does the solution to this secondary crisis lie in a loan modification? Or will taking out a second mortgage be the solution to the problem?
  • It Is Now Easier To Get A Wachovia Loan Modification  By : Sarah Carlye
    Frustrated borrowers stuck with the risky and unaffordable Pay Option ARM loans may be getting a break on their applications for a Wachovia loan modification. The recent final approval for the purchase of Wachovia by Wells Fargo Bank may open the door for a more aggressive loan modification program for homeowners facing default on their mortgage loans. Prior to the announcement of the purchase, Wachovia had implemented a beneficial loan workout program that offered their clients a low, step rate loan modification to help them avoid foreclosure and stay in their homes.
  • Making a Loan Modification Work  By : Sarah Carlye
    You and your lender (or the lenders agent) entered into this transaction with your eyes wide open and both agreed to the terms of your mortgage. Right? With the possible exception of cases of fraud (which existed during the mortgage heydays and still goes on) you and your lender must also approach a mortgage modification with your eyes wide open and agree to a reduced payment or altered terms. It`s a voluntary process and believe it or not, the scales may be tipping to the borrowers side for now.
  • Florida Hardship Get A Loan Modification  By : Sarah Carlye
    A hardship loan modification may help distressed homeowners avoid foreclosure. Most mortgage lenders are willing to work with homeowners that want to remain in their homes. When foreclosure proceedings take place nobody wins. The mortgage lenders lose a great deal of money when a property is repossessed and will try to make arrangements that are suitable for their institution and the homeowner.
  • Get Your Piece of Obama`s Loan Modification  By : Sarah Carlye
    Barack Obama has proposed and passed the Homeowner Affordability and Stability plan which is intended to help over 7 million Americans with loan modifications. The plan is a massive $75 billion, below is a brief summary of what you need to know to get a piece of the large pie and help you save your home from foreclosure.
  • Top Questions About Loan Modifications  By : Sarah Carlye
    The loan modification process can be frustrating and confusing for many distressed homeowners. If you are considering contacting your lender about a loan workout to avoid foreclosure, you need to get as much information upfront as possible so you will be prepared and able to present your case in the best possible light. Programs and guidelines are changing and it is getting much easier for homeowners to get the help they need. To help you understand how the process works and what you can expect, here are the Top 10 Questions and Answers:
  • How to Get My Loan Modified - Mortgage Loan Modification Assistance  By : Sarah Carlye
    The home loan industry has changed stated income loans requirements if you don`t know yet. Most lenders now want full documentation loans and borrowers qualifying by using traditional debt to income ratio calculations. This directly affects the high cost housing markets like California, Florida, and the tri-state area of New York, New Jersey, Connecticut as well as parts of Maryland, Virginia, and Massachusetts. The reason is a lot of homeowners in these markets used adjustable rate mortgages and qualified by using stated income, stated assets and some instances no verification of employment.
  • The Simple Guide to Loan Modification  By : Sarah Carlye
    There`s been a lot of talk lately -- and a heck of a lot of misinformation -- floating around about something called "Loan Modification."

    It`s not hard to see why.
  • Enabling Equity and Efficiency through Auctions in India  By : Sumita Kale
    Often practical and simple ideas are rejected out of ignorance or out of disbelief that simple ideas can work There are innumerable applications for the use of auctions in the economy; in every case, it is the common man who as consumer or taxpayer stands to gain and it is for this reason alone that auctions should take first place as a solution to resource allocation in a country.
  • Military Tax Exemptions  By : Liza C
    The military tax exemptions can be truly bewildering for those who are not aware of it. However, a member of the military should understand this benefit to enjoy it and use the income in other important ways.
  • Get Legal Advice on Loan Modification  By : Sarah Carlye
    Because foreclosure is a harsh legal process, homeowners threatened with foreclosure should immediately obtain legal help. Possible sources of legal help are the neighborhood legal services office, a bar association panel of pro bono attorneys, or a program providing legal assistance for the elderly. A competent attorney can determine whether there are legal defenses to a foreclosure.
  • Negotiate a Delay in Loan Payments  By : Sarah Carlye
    One of the most important strategies today for homeowners in financial trouble is to work out with the lender a temporary delay in payments or a period of reduced payments. More and more creditors are realizing that foreclosure is a losing proposition for the lender, and that they are better off keeping the consumer in the home making whatever payments the household can afford.
  • Steps To Take To Help Prevent Foreclosure  By : Sarah Carlye
    Foreclosure rates have increased nationally by more than 200% since 1980 and show no signs of abatement. More than 600,000 homes were foreclosed in 1989.
  • Refinance Your Home Debt or Foreclosure  By : Sarah Carlye
    If the home was financed at one of the high interest rates that prevailed during the early 1980s, refinancing at a lower interest rate and/or with a longer payment period can greatly reduce monthly payments and bring them within reach. Moreover, refinancing a low interest first mortgage and high interest second mortgage into a low interest first mortgage can also reduce payments. Advocates should keep in mind, however, that many refinancing schemes are frauds. Even legitimate refinancing options that look like an improvement on closer inspection are far more costly than the existing mortgage. The major disadvantages to refinancing residential debts are the increased finance charges that result from extending the repayment period, the possibility of having to pay points, the additional closing costs, and prepayment penalties on the old mortgages. The feasibility of refinancing depends on whether the homeowner can obtain a loan at a reasonable rate, usually from a savings bank, a commercial bank, a credit union, or a legitimate mortgage company. Most finance companies and certain mortgage companies do not make residential loans at reasonable rates and terms.
  • Arcane Income Tax Tip  By : Patrick O Connor
    Cost segregation is simply an accurate way to allocate the cost basis of real estate and establish a depreciation schedule. The real estate depreciation schedule is often established by allocating a portion of the cost basis to land and allocating the balance to a long term depreciation recovery period (27.5 or 39-yr straight-line depreciation).
  • Texas Business Personal Property Rendition and Taxation  By : Patrick O Connor
    The Texas Property Tax Code for many years had required owners of business personal property (BPP) to annually render those assets used in a business. Rendering is summarizing to the central appraisal district the ownership and value of the assets. Historically, however, over half of all owners of business personal property have not rendered.
  • How to stop IP ownership Issues by Joint Venture?  By : Amit Chanana
    Technology-focused collaborations form a foundation of corporate planning strategies today. Such collaborations can be in the form of strategic alliances, joint ventures, open innovation or other legal structures. Regardless of how the participants characterize and legally structure such collaborations, the most common motivation for forming such alliances is to pool technology and R & D resources.
  • Merchant Funding: Why is it making a Buzz Louder than Your New Year’s Fire Crackers.  By : Kirk Tsiaperas
    As the economic debate heats up in Congress as to what companies the government needs to bail out, pangs of uncertainty has crept up not only in the US, but in other parts of the world as well.
  • Advantages of Forex Trading  By : Marco
    Foreign exchange trading involves buying and selling different currencies. It works on the theory that is similar with share market. As we know that to make the profit, you have to buy at lower price and sell at higher price, or we can also sell at higher price first and buy at lower price. For more info visit:
  • Carbon Emission Trading, The Basics Explained  By : Dwayne Strocen
    The Kyoto Protocol of 1997 was signed by 38 signatory countries to address the issues of greenhouse gasses and resulting climate change issues. The following article will provide an understanding of trading greenhouse gas emissions.
  • Forex | Forex Signal | Forex Strategy System | Currency Trading  By : Marco
    Exchange of a nationís currency for that of another is Foreign Exchange (FOREX). The foreign exchange market is a largest non-stop financial market in the world where currencies of different nations are traded. For more information about forex trading strategy, forex, forex alerts, forex signal, currency trading, forex trading signals, visit:
  • Using Technical Analysis To Manage Risk And Maintain Top Quartile Performance  By : Dwayne Strocen
    To manage an effective risk management solution requires more than the calculation of VaR. Ultimately a successful risk management program requires the execution of an effective hedge. Technical analysis is a vital element of this strategy.
  • How to Budget Your Money When Starting Up a New Business  By : Mr. Jeff Nelson
    Starting up a new business can be very difficult, but very rewarding if you are successful.
  • Trading Psychology For Forex Trading  By : Ryan19 Litchfield19
    Lean Tips For Sound Forex Trade Investments

    With the use of better trade strategies, one can make sound investments and learn the art of forex trade.
  • Credit Repair Guide To Quickly Improve Your Credit Score  By : Singair
    Can you repair my credit? The main thing with bad credit repair is to make a conscientious effort to pay your bills on time. There are critical factors that affect your credit score.
  • Best Car Finance  By : Brent Miggles
    Different car financing options and their pros and cons.
  • Transfer of Tangible Personal Property - Regulation 1595, Part 1  By : Thomas Alston
    When contemplating the purchase of an aircraft, a potential owner must consider the ownership structure that will best suit their needs. Often, only afterwards, does the owner realizes they don't own the aircraft in the entity that is most beneficial for tax purposes or that limits their liability.
  • Get Your Unclaimed Money Share  By : Mark Silverman
    The unclaimed money sums are quite incredible, billions of dollars are waiting to return to their rightful owners. Using trusted online records information providers will help you take what you are entitled to.
  • A New Breed of Pawn Shops: Financial Services Provider  By : Chris Robertson
    Today, there's a new breed of pawnshop - one that's a reputable provider of financial services.

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