Home Loan Mortgage

Quicken Loans client, Alex from New York, discusses in this video testimonial how Quicken Loans helped him and his wife purchase their first home mortgage as well as their first refinance. Alexs mortgage banker worked with him daily in order to lock in the best rate. Alex was surprised at how easy, quick, and worry-free the overall process was. Two years after his first mortgage Alex contacted Quicken Loans to refinance his home. By adding a small amount of money to his loan and increasing his monthly payments slightly, he was able to reduce his interest rate by over 1% and was able to pay off more principle in each of his monthly payments, leading to an eventual savings of over $100,000 in interest over the course of his loan. Alex looks forward to working with Quicken Loans again and would recommend Quicken to anyone who wants to get a mortgage or refinance.

Duration : 0:4:27

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Technorati Tags: Customer, First-Time-Home-Buyer, home, loan, loans, mortgage, New, New York, news, quicken, refinance, Review, Reviews, service, Testimonial, video

http://www.SaveMeFromForeclosure.com is the nations leading foreclosure prevention expert. If you are a homeowner in default we can help you stop foreclosure and avoid foreclosure on your mortgage and your home and house. You Have Options & We Can Help is our slogan, and you can get free foreclosure help. We can help you stop foreclosure and save or keep your home, or we can help you avoid foreclosure and sell your home fast.

If you are behind on your mortgage payment & want to save your home from foreclosure & keep it to avoid foreclosure, http://www.SaveMeFromForeclosure.com will suggest an attorney backed loan modification. A loan modification is a great way to stop foreclosure. It can help you reduce your interest rate, the principal balance on your loan, or sometimes even both.

To see if you qualify for a loan modification and to get a free, no-risk, no-obligation analysis of your mortgage situation, visit http://www.savemefromforeclosure.com/questionnaire.php or call us toll free at 1-888-472-8380 so we can help you stop foreclosure fast and you can avoid home mortgage foreclosure.

If you are behind on your mortgage payment & you want to sell your home fast, even if you have no equity, or you owe more than your home is worth and need help with a short sale, http://www.SaveMeFromForeclosure.com can you help you. We can help find a buyer for your home, or negotiate a short sale with your lender so you can sell your home fast without having to bring any cash to closing.

To get started with a free, no-risk, no-obligation analysis of your mortgage situation if you need to sell your home fast, visit http://www.savemefromforeclosure.com/questionnaire.php or call us toll free at 1-888-472-8380. We can help you avoid bankruptcy & we can help you stop foreclosure fast so you can avoid home mortgage foreclosure.

Duration : 0:1:19

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Technorati Tags: assistance, attorney, avoid foreclosure, avoid home repossession, bank, bankruptcy, crisis, fast, forclosure, foreclosure, foreclosure prevention, free, help, home, house, how to stop foreclosure, information, late payments, Lender, loan modification, Loan Modifications, loss mitigation, mod, mods, money, mortgage meltdown, mortgage modification, personal finance, preforeclosure, real estate, restructure, service, short sale, Short Sales, solutions, stop foreclosure, sub-prime, subprime

Create a mortgage (loan) payment calculator with an amortization table (payment schedule) for detailed payment information.

Duration : 0:9:53

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Technorati Tags: Amortization, excel, finance, function, loan, mortgage, pmt(), rrphillips

The 7 STEPS TO A 720® CREDIT SCORE program was created when mortgage broker Philip X. Tirone noticed that good people with good intentions were consistently turned down for home loans. Those who did qualify often paid unnecessarily high interest rates. On a $300,000 home loan, a person with a poor credit score could pay as much as $212,040 extra over the course of 30 years.

This is simply unacceptable. 7 STEPS TO A 720® CREDIT SCORE exposes the rules of the credit game, allowing countless Americans to increase their credit scores and save hundreds, sometimes thousands of dollars in interest payments. 7 STEPS TO A 720® CREDIT SCORE is a credit-improvement strategy based on patterns of change identified by studying tens of thousands of credit reports. Available to the public, the system is also used by real estate agents, mortgage brokers, investment advisors, and accountants across the nation to help borrowers save money, qualify for the best loans, and reduce interest payments.
An expert in residential home financing, Philip X. Tirone has a unique background in difficult-to-obtain loans, having started his career working with borrowers with stated incomes and/or poor credit scores. With this foundation, he became a specialist in the credit-scoring process, authoring the book, 7 STEPS TO A 720® CREDIT SCORE, as well as the bestselling workbook, APPLYING THE 7 STEPS TO A 720® CREDIT SCORE.

Philip is the founder of the Mortgage Equity Group (the MEG) and specializes in educating borrowers and helping them increase their credit scores so they qualify for the best loan programs available. The MEG is a non-traditional mortgage company composed primarily of team members committed to providing each homebuyer with specialized time and services unique to his or her needs, complementing traditional mortgage services with innovative programs aimed at reducing mortgage payments and maximizing buying power.

Philip’s commitment to educating homebuyers prompted him to create the 7 STEPS TO 720® LICENSING PROGRAM FOR PROFESSIONALS in which he trains other mortgage planners and industry professionals on consistently outperforming the market by helping clients improve their credit scores. As well, he established the 7 STEPS FOUNDATION, a charitable fund that allocates resources to help low-income and underserved Americans increase their credit scores. Philip has an uncanny ability to develop innovative strategies to simplify the mortgage process. As a frequent guest lecturer at the University of California Los Angeles, Philip has authored and delivered numerous speeches about avoiding the “Mortgage Lifestyle Dilemma,” a phrase he coined to describe an emotional buying decision that results in overextension and a life that revolves around high mortgage payments.

Philip and his programs have been featured in the Los Angeles Times, New York Times.com, Wall Street Journal, Newsday, Woman’s World Magazine, San Francisco Chronicle, Bottom Line Magazine, and Bankrate.com, among others. He was recently featured in the New York Times bestseller, Secrets of the Young & Successful. In 2008, he will be featured in Dan Sullivan’s forthcoming book, Industry Transformers, which identifies eight individuals who are having a profound impact on their industry by creating meaningful ways for their clients to bypass the bureaucracy and the red tape most consumers face.

Duration : 0:9:49

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Technorati Tags: bad, credit, good, Increase, Raise, Report, score

http://www.lowestpymt.com/fha-streamline-refinance.php
How consumers can receive lower FHA or VA mortgage payments without paying to refinance. Lower rate for free using the FHA streamline program.

FYI – in 2009, Kwe “Clay” Parker joined American Bank and has been helping more people, but now in ALL 50 states.

Visit

http://www.SmartHomeBuyingBook.com

http://www.rateguardian.com

http://www.lowestpymt.com/fha-streamline-refinance.php

http://www.thecreditrepairsecrets.com

http://www.thedebteliminationkit.com

http://www.themarketinggenie.net

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Technorati Tags: American-Bank, eddie-turner, fha home loan, fha loan, FHA loans, fha mortgage, fha refinance, FHA streamline refinance, fha-qualifications, fha-rate-reduction, fha-rates, fha-streamline-mortgage, fha-streamline-refinancing, fha-streamline-requirements, IRRL, kwe-clay-parker, lower-mortgage-payment, no appraisal, refinance, refinancing

http://www.lowestpymt.com/fha-streamline-refinance.php
How consumers can receive lower FHA or VA mortgage payments without paying to refinance. Lower rate for free using the FHA streamline program.

American Bank – Lutherville Office specializes in the FHA Streamline refinance loans. HUD created the program to help homeowners nationwide lower their mortgage payments and take advantage of todays extremely low FHA fixed mortgage rates.

*In 2009, Kwe “Clay” Parker joined American Bank and has been helping more people, but now in ALL 50 states.

Visit

http://www.SmartHomeBuyingBook.com

http://www.rateguardian.com

http://www.lowestpymt.com/fha-streamline-refinance.php

http://www.thecreditrepairsecrets.com

http://www.thedebteliminationkit.com

http://www.themarketinggenie.net

Duration : 0:7:48

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Technorati Tags: American-Bank, eddie-turner, fha home loan, fha loan, FHA loans, fha mortgage, fha refinance, FHA streamline refinance, fha-qualifications, fha-rate-reduction, fha-rates, fha-streamline-mortgage, fha-streamline-refinancing, fha-streamline-requirements, IRRL, kwe-clay-parker, lower-mortgage-payment, no appraisal, refinance, refinancing

What steps should I take if I see mortgage problems in the near future? If you know of or think there may be a change in your employment situation in the near future, try and set some money aside to allow you to make your mortgage payments in the future. Your mortgage payment must be the first bill you pay each month. If you anticipate having problems making your payments, contact your lender as soon as possible to work out a solution. If you have more questions, you can call the United Way’s helpline at 1-800-427-4626 or 2-1-1 for information about trusted community resources in the Greater St. Louis area you can turn to.

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Technorati Tags: 2-1-1, crisis, Ezell, Facing, Forbearance, foreclosure, KETC, Lender, mortgage, payments, resources, the, United, Way

Honk If You’re Paying My Mortgage
House Chamber, Washington, D.C.
March 17, 2009

M. Speaker:

I have been asked to present more than 6,000 postcards generated by the Armstrong and Getty radio show to protest policies that can best be described by the new bumper sticker, Honk if youre paying my mortgage, or todays reprise, Honk if youre paying AIGs bonuses.

Rick Santelli of CNBC struck a nerve last month when he asked, How many of you want to pay for your neighbors mortgage who has an extra bathroom and cant pay their bills?

Jack Armstrong and Joe Getty, who host the most popular radio talk show in Northern California, asked the same question of their listeners. And here is their response.

On each of these thousands of post cards is the story of a responsible family struggling to make ends meet in the worst recession in a generation families who are meeting their obligations, staying current with their mortgages even though many of them are upside down on their home values and owe more than their home is worth.

And theyre watching as this government says to borrowers who lied on their loan applications, who put no money down and accepted teaser rates, who withdrew all the equity of their home to pay for stuff, dont worry, well force your neighbor to pay for your mortgage.

Theyre watching as this government says to lenders who knowingly made loans to people they knew couldnt afford them, who made millions creating the housing bubble, dont worry, well cover your bonuses with taxpayer money.

But the families who sent in these postcards keep making their payments, many eating into their savings, foregoing vacations, postponing retirements, turning down consumer purchases because they stand by their word.

These are the families that turned down the opportunity to flip that house, to make a quick fortune, to cash out their equity for a second home or a boat they couldnt afford. They are the 92 percent of borrowers who are making their mortgage payments, despite all the incentives that this administration is offering them to stop.

And these postcards are eloquent testimony to their resentment at being required to bail out the banks and the borrowers who created the housing bubble, who caused the credit collapse, and who now are being subsidized, bailed out, and lavished with multi-million dollar bonuses paid for with our tax money.

Joe Getty asked the question yesterday: What has happened to the words Sadder but wiser; what has happened to the American tradition that you make your own decisions good or bad and then you live with them?

The President tells us that if your neighbors home is on fire, you dont quibble over who pays for the water. Thats true, but as Jack Armstrong pointed out, if my neighbor burns down his house by shooting off Roman candles in his living room, Ill be darned if Im going to pay for him to rebuild it.

Armstrong and Getty, Rick Santelli and others are speaking for the vast silent majority of Americans who pay their bills, who honor their commitments, and who make this country run.

The President recently said that were all to blame. No, were not all to blame. Those families who passed up the get-rich-quick real estate seminars and who turned down the loans they couldnt afford, or who settled for a smaller home or who rented because thats what they could afford theyre not to blame. And they shouldnt be left holding the bag.

Ninety two percent of Americans are making their mortgage payments not only because its the right thing to do, but because they know that the sooner the market corrects itself, the sooner our homes will begin to appreciate once again.

Sadly, by prolonging the real estate correction, by propping up bad loans, by undermining responsible homeowners, and by subsidizing bonuses for the smartest guys in the room who created this catastrophe, this government is extending the agony and postponing the day when the market will bottom out and homebuyers can safely re-enter the housing market.

M. Speaker, I take great hope from the publics response to Armstrong and Gettys invitation to protest the mortgage bailout. It means that the American spirit is not dead, that there are still millions of Americans who believe in individual responsibility and integrity. Even if such people are in short supply in Washington today, they still comprise the vast majority of our nation and that great silent majority is growing tired of remaining silent.

Congressman Tom McClintock represents Californias Fourth Congressional District. His website address is http://www.mcclintock.house.gov.

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Technorati Tags: mortgage

Homeowners who are in danger of losing their homes through judicial foreclosure should not forget about the equity that always exists in a mortgaged property represented by the sum of the mortgage payments that the mortgagor no longer makes while the property is in foreclosure (and for several months before and after). This is so even if the property is worth less than the amount owed to the bank. The total amount of these monthly payments to be saved can be considerable, depending on (i) the number of total number of months of non-payment of mortgage; (ii) the regular amount of the monthly mortgage payment not being paid; and (iii) the legal costs to defend the foreclosure action. Attorney Carl Person explains how homeowners can extract this remaining, hidden equity while ultimately losing their home in foreclosure, and use this hidden equity to reduce or pay off their outstanding credit card balances and stop payment of 30% credit-card interest. CEPersVid-27

Duration : 0:6:34

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Technorati Tags: ACTION, attorneys, balances, card, carl, CEPersVid-27, credit, defense, down, equity, fees, foreclosure, home, homeowner, Legal, Losing, paying, person

We’ve found another one. Kwe “Clay” Parker is at it again.

http://www.lowestpymt.com/fha-streamline-refinance.php

Another client steps up and spills the beans. With the FHA Streamline Refinance available, is this program any different? Did HUD really create the programs that Kwe has been claiming can save FHA borrowers money on their mortgage payments. Watch the full story to hear directly from their past client.

FYI – in 2009, Kwe “Clay” Parker joined American Bank and has been helping more people, but now in ALL 50 states.

Visit

http://www.SmartHomeBuyingBook.com

http://www.rateguardian.com

http://www.lowestpymt.com/fha-streamline-refinance.php

http://www.thecreditrepairsecrets.com

http://www.thedebteliminationkit.com

http://www.themarketinggenie.net

Duration : 0:2:46

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Technorati Tags: American-Bank, eddie-turner, fha home loan, fha loan, FHA loans, fha mortgage, fha refinance, FHA streamline refinance, fha-qualifications, fha-rate-reduction, fha-rates, fha-streamline-mortgage, fha-streamline-refinancing, fha-streamline-requirements, IRRL, kwe-clay-parker, lower-mortgage-payment, no appraisal, refinance, refinancing