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| Author | : Grantian Network |
| Publisher | : Grantian Network Inc |
| Total Pages | : 42 |
| Release | : 2011-01-26 |
| Genre | : Business & Economics |
| ISBN | : 1613570066 |
| Author | : Dean Allen Kackley |
| Publisher | : American Bar Association |
| Total Pages | : 0 |
| Release | : 2014 |
| Genre | : Foreclosure |
| ISBN | : 9781627227636 |
The federal Home Affordable Modification Program, enacted in 2012, provides a set of rules that gives financial incentives to mortgage providers to modify the loans of eligible borrowers so that their monthly payments do not exceed 31% of their monthly income. It was designed to help homeowners under financial duress to stay in their homes. The program is complex and not always perfectly understood by mortgage providers. The Consumer Guide to Mortgage Modification provides homeowners with simple and complete reference when working with lenders under the program. Step by step, it explains what a homeowner needs to know and do to get a loan modification. Homeowners will learn the qualification rules, determine how much they can lower their payments, and assess if their lender is following the rules and using the program effectively. In addition, the book provides homeowners with questions to ask their lender, forms, grids, and worksheets. Knowledge is power and The Consumer Guide to Mortgage Modification gives consumers the knowledge they need to effectively negotiate with their lender and get the most favorable terms possible.
| Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity |
| Publisher | : |
| Total Pages | : 144 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : |
| Author | : Martha Maeda |
| Publisher | : Atlantic Publishing Company |
| Total Pages | : 290 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : 1601382308 |
This guide provides you with strategies for getting legal advice, keeping current on your mortgage payments, negotiating temporary delays in payments, restructuring loans, refinancing, filing for bankruptcy, and creating and sticking to a budget. You will learn about debt counselling and income maintenance, tax abatement, and public assistance programs. This book also provides details on the March 2010 modifications to the Home Affordable Modification Program (HAMP) and to the Federal Housing Administration (FHA) programs offered by the federal government to assist homeowners who have been affected by the economic crisis through no fault of their own. In addition, this book will show you how to decide if your property is worth saving, how to figure out how much time you have to act, how to use the courts to stop foreclosure, how to decide whether bankruptcy is your best option, and how to use your military status to prevent foreclosure. You will also learn about foreclosure rescue scams, non-judicial foreclosure, judicial foreclosure, and notice of default. Also included is an explanation of the alternatives to foreclosure, such as special forbearance, mortgage modification, partial claim, pre-foreclosure, and deed-in-lieu of foreclosure. With foreclosures on the rise, it makes sense to know how to protect your home. The guide also provides you with tips, tricks, strategies, and secrets to prevent your home s foreclosure now before it is too late.
| Author | : Mark Zandi |
| Publisher | : |
| Total Pages | : 270 |
| Release | : 2008 |
| Genre | : Electronic books |
| ISBN | : 9780137151769 |
| Author | : Viral V. Acharya |
| Publisher | : Princeton University Press |
| Total Pages | : 233 |
| Release | : 2011-03-14 |
| Genre | : Business & Economics |
| ISBN | : 1400838096 |
Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
| Author | : Laura Riddle |
| Publisher | : Atlantic Publishing Company |
| Total Pages | : 290 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : 1601380259 |
This book is a must-have for any individual looking to effectively sell their home for the best price. Put your home at the head of the market with the help of Laura Riddles expertise. Riddle, a Masters-level, award-winning real estate broker, walks today's home sellers through everything they need to know to get the best price in today's real estate market. Laura guides readers through the basics of the home selling process. Readers will learn how to determine the value of their home, prepare the home to be sold, stage the home inside and out, know when the time is right to list the home, plan for showings and open houses, accept an offer, and ultimately sell for top dollar. A firm believer in making your home stand out to sell faster by assisting potential buyers through the complicated loan process, the book carefully compares loan options, from low down payment FHA, and 0% down payment USDA, and VA loan programs, allowing readers to choose the loan that works best for their successful sale. Also covered are different Buyer Down Payment Assistance Programs, making this a complete guide to give you everything you need to put your house up for sale. Sell Your Home Now also includes timely information for sellers including resources on: Short sale versus Foreclosure options, Foreclosure prevention programs, The Homeowner Affordability and Stability Act passed in February 2009, and Loan modification options. This complete guide includes information about: selling techniques for selling up to 80 percent faster, and advertising to sell for 15-20% more, and where to list your home online to get the most exposure. Plus the book has a section on staging the home for the quickest sale in order to gain an advantage over other homes (particularly foreclosures) in your neighbourhood. Tips are given on common mistakes home sellers often make that could hinder your efforts so thoughtfully included are sample real estate contracts, titles, and home inspection reports. Selling the home For Sale By Owner? All of the information the book contains is exceptionally helpful to the do it yourselfer, plus, Laura has included case studies from agents and sellers around the country to provide readers with proven tips and tricks for selling a home in the quickest time possible and for the most money.
| Author | : David Dayen |
| Publisher | : The New Press |
| Total Pages | : 441 |
| Release | : 2020-07-21 |
| Genre | : Business & Economics |
| ISBN | : 1620975424 |
From the airlines we fly to the food we eat, how a tiny group of corporations have come to dominate every aspect of our lives—by one of our most intrepid and accomplished journalists "If you're looking for a book . . . that will get your heart pumping and your blood boiling and that will remind you why we're in these fights—add this one to your list." —Senator Elizabeth Warren on David Dayen's Chain of Title Over the last forty years our choices have narrowed, our opportunities have shrunk, and our lives have become governed by a handful of very large and very powerful corporations. Today, practically everything we buy, everywhere we shop, and every service we secure comes from a heavily concentrated market. This is a world where four major banks control most of our money, four airlines shuttle most of us around the country, and four major cell phone providers connect most of our communications. If you are sick you can go to one of three main pharmacies to fill your prescription, and if you end up in a hospital almost every accessory to heal you comes from one of a handful of large medical suppliers. Dayen, the editor of the American Prospect and author of the acclaimed Chain of Title, provides a riveting account of what it means to live in this new age of monopoly and how we might resist this corporate hegemony. Through vignettes and vivid case studies Dayen shows how these monopolies have transformed us, inverted us, and truly changed our lives, at the same time providing readers with the raw material to make monopoly a consequential issue in American life and revive a long-dormant antitrust movement.
| Author | : |
| Publisher | : R2p Incorporated |
| Total Pages | : 138 |
| Release | : 2013-01-01 |
| Genre | : Political planning |
| ISBN | : 9780615799865 |
The importance of effective and well-planned presidential transitions has long been understood. The Presidential Transition Act of 1963 provided a formal recognition of this principle by providing the President-elect funding and other resources "To promote the orderly transfer of the executive power in connection with the expiration of the term of office of a President and the Inauguration of a new President." The Act received minor amendments in the following decades, but until 2010 all support providedwas entirely post-election. The Pre-Election Presidential Act of 2010 changed this by providing pre-election support to nominees of both parties. Its passing reinforced the belief that early transition planning is prudent, not presumptuous. The Romney Readiness Project was the first transition effort to operate with this enhanced pre-election focus. While Obama's re-election prevented a Romney transition from occurring, it is hoped that the content of this book can provide a valuable insight to future transition teams of both parties.
| Author | : Aaron Glantz |
| Publisher | : HarperCollins |
| Total Pages | : 448 |
| Release | : 2019-10-15 |
| Genre | : Business & Economics |
| ISBN | : 0062869558 |
“[I] can’t recommend this joint enough. ... An illuminating and discomfiting read.” —Ta-Nehisi Coates "Essential reading." —New York Review of Books A shocking, heart-wrenching investigation into America’s housing crisis and the modern-day robber barons who are making a fortune off the backs of the disenfranchised working and middle class—among them, Donald Trump and his inner circle. Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses. In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.
