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Obama's Mortgage Rescue Plan
 
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More than 11 million homeowners are at risk of foreclosure. President Obama rolled out a new plan that he hopes will help 4 million homeowners in the next 3 years. Chip Reid reports.
Views: 1377 CBS News
Obama's Mortgage Plan Worthless Waste
 
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President Obama came to ground zero of the mortgage crisis--Arizona to announce his plan to help those with distressed mortgages. Now that the details have been released it turns out to be not only a waste--but worthless: http://tinyurl.com/72mj88
Views: 259 beckychr007
PETITION FOR MORTGAGE MORATORIUM  PART II
 
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The case for needing a mortgage rescue program for homeowners who are ineligible for existing mortgage rescue programs because they cannot meet the income or home value qualifications. Currently 1 in 5 homeowners have an "underwater" mortgage meaning that their home value is less than the loans against it. 1 in 10 homeowners are at least one month behind on their mortgages or already in some stage of foreclosure. By June of 2008, more than ONE MILLION homes in the U.S. were in foreclosure and in the Third Quarter the foreclosure filings doubled over the same period the previous year. More than 10,000,000 Americans are unemployed and this number is rising. Many self-employed individuals have likewise suffered significant business losses on account of the recession. Current mortage rescue packages require the homeowner to qualify financially. Those who have become unemployed or suffered a drop in self-employment income will not likely be able to meet the income qualifications. Existing mortgage rescue programs also require that homeowners are at least 60 days delinquent on their mortgage payments. Many homeowners who are not yet behind on their mortgage loans, but are likely to fall behind due to recent loss of employment or drop in family income, could be spared the significant damage to their credit ratings that reports of mortgage lates result in. A rescue program offering early intervention is needed to help preserve the credit ratings of these homeowners so they do not face additional hardships because of credit denials or high cost of credit due to unavoidable temporary financial hardship. We are petitioning the Congress to immediately enact emergency mortgage rescue legislation to serve these homeowners who have been shut out of other solutions. Find out more at: http://www.mortgagemoratorium.com Sign the petition at http://www.rallycongress.com/mortgage-moratorium. Take it viral. Help get it into the Guinness Book of World Records for most signatures on a petition to the U.S. Congress ever. THIS IS PART II OF 2 VIDEOS. PLEASE PLAY PART I BEFORE VIEWING PART II OF THIS PRESENTATION.
Views: 133 Mimiy2k2
Zombie Titles - More Horrifying Than Home Foreclosure
 
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"Five years ago, Keller, 10 months behind on his mortgage payments, received notice of a foreclosure judgment from JP Morgan Chase. In a few weeks, the bank said, his three-story house with gray vinyl siding in Columbus, Ohio, would be put up for auction at a sheriff's sale."* "Zombie titles" are so much crueler for a home owner than a normal foreclosure. Just when you think the house is completely out of your hands-- it isn't, and you're stuck with piled-on debt and responsibilities without any rights. How does this even work, and why do the banks do this? How is this legal and ethical? Cenk Uygur breaks it down. *Read more from Michelle Conlin/ Reuters: http://uk.reuters.com/article/2013/01/10/uk-usa-foreclosures-zombies-idUKBRE9090GD20130110 Support The Young Turks by Subscribing http://bit.ly/TYTonYouTube Like Us on Facebook: Follow Us on Twitter: http://bit.ly/OkX87X Buy TYT Merch: http://theyoungturks.spreadshirt.com/
Views: 54559 The Young Turks
Do you Owe More than your Property is Worth?
 
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Are you upside down on your Mortgage? Is your home worth less than you owe? DON'T JUST WALK AWAY! This is the ONLY PROGRAM that removes you from the title - within days!! http://realtycrisis.com
Заброшенный урановый рудник. Пятигорск. Бештау. Сталк с МШ \ Abandoned uranium mine
 
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Заброшенный рудник на Кавказе, где добывали урановую руду для создаваемого ядерного щита СССР. Термос от Арктики: https://goo.gl/sW4j4i Лайв об этой поездке: https://www.youtube.com/watch?v=nX6GNZ7NQGs Для сотрудничества и рекламы: urbanturizm@mypage.vip Лайв канал: https://www.youtube.com/user/LiveMSH Инстаграм: https://www.instagram.com/urban_msh/ Телеграм @urbanmsh или http://t.me/urbanmsh Магазин Urbanturizm: http://urbanmsh.vsemaykishop.ru/catalog/urbanturizm Я в вк: https://vk.com/urbanmsh Паблик: https://vk.com/urbanturizm FB: https://www.facebook.com/UrbantourismMsh/ Помощь проекту: ЯД: 410011603839767 WebMoney: R402915687615; Z250888207371 Карта: 5321 8672 3287 5560 ПриватБанк: 4149 4391 0323 4062
Views: 470216 urbanturizm
Housing Bubble and the Great Recession
 
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The Great Recession was initiated by bursting of the housing bubble. But why there was a housing bubble in the first place? Learn Austrian Economics in a fun way! LINKS SUPPORT our project: http://bit.ly/2fgJR9e Visit our website: http://econclips.com/ Like our Facebook page: http://bit.ly/1XoU4QV Subscribe to our YouTube channel: http://bit.ly/1PrEhxG ★★★★★★★★★★★★★★★★★★★★★★★★★★ Music on CC license: Artifact – The Dark Contenent Kevin MacLeod: Artifact – The Dark Contenent – na licencji Creative Commons Attribution (https://creativecommons.org/licenses/by/4.0/) Źródło: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100324 Wykonawca: http://incompetech.com/ Kevin MacLeod: Brittle Rille - Reunited – na licencji Creative Commons Attribution (https://creativecommons.org/licenses/by/4.0/) Źródło: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1200047 Wykonawca: http://incompetech.com/ Kevin MacLeod: Home Base Groove – na licencji Creative Commons Attribution (https://creativecommons.org/licenses/...) Źródło: http://incompetech.com/music/royalty-... Wykonawca: http://incompetech.com/ ★★★★★★★★★★★★★★★★★★★★★★★★★★ Econ Clips is an economic blog. Our objetive is teaching economics through easy to watch animated films. We talk about variety of subjects such as economy, finance, money, investing, monetary systems, financial markets, financial institutions, cental banks and so on. With us You can learn how to acquire wealth and make good financial decisions. How to be better at managing your personal finance. How to avoid a Ponzi Scheme and other financial frauds or fall into a credit trap. If You want to know how the economy really works, how to understand and protect yourself from inflation or economic collapse - join us on econclips.com. Learn Austrian Economics in a fun way!
Views: 43349 EconClips
President Barack Obama unveiled his $75 billion mortgage relief plan, a series of measures the presi
 
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(18 Feb 2009) HEADLINE: Obama unveils $75 billion mortgage relief plan CAPTION: President Barack Obama unveiled his $75 billion mortgage relief plan, a series of measures the president says will keep 9 million people from losing their jobs. The AP's Julie Pace breaks down the plan. (Feb. 18) [Notes:ANCHOR VOICE] President Barack Obama is rolling out the next step in his multi-pronged plan to revive the U-S economy....a 75 billion dollar program to help struggling homeowners. Obama says the plan will keep nine million Americans from losing their homes to foreclosure. SOT Barack Obama "the plan I'm announcing focuses on rescuing families who have played by the rules and acted responsibly." The plan offers incentives for lenders to lower monthly mortgage payments for millions of Americans who are the brink of foreclosure. It will also make it easier for families to refinance their mortgages if their homes are worth less than they owe. Stand-Up Julie Pace/The Associated Press "Obama's housing plan is more ambitious than originally expected - and more expensive. But with the effects of the crisis reverberating across the financial markets, Obama says the plan is necessary to not only get the housing market back on track." SOT Barack Obama "In the end, all of us are paying a price for this home mortgage crisis. And all of us will pay an even steeper price if we allow this crisis to deepen," But some experts wonder if incentives will be enough to get banks and lenders to act. SOT John Taylor/National Community Reinvestment Coalition "maybe we'll all be pleasantly surprised and see these investors and lenders who weren't willing to move a week ago or thirteen months ago, all of the sudden, through a voluntary program, because of a $1500 fee, willing to do massive modifications. Maybe that will happen. Even so, the president says the plan can't - and won't - help everyone. SOT Barack Obama "it will not rescue the unscrupulous or irresponsible by throwing good taxpayer money after bad loans. It will not help speculators who took risky bets on a rising market and bought homes not to live in but to sell." Funding for the mortgage plan will come from the 700 billion dollar bank bailout passed by Congress last fall. Julie Pace, The Associated Press, The White House You can license this story through AP Archive: http://www.aparchive.com/metadata/youtube/938b0332598383163962d13da512f2a7 Find out more about AP Archive: http://www.aparchive.com/HowWeWork
Views: 75 AP Archive
The Progressive Income Tax: A Tale of Three Brothers
 
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"The Progressive Income Tax" is one of those economic terms that gets bandied about, but few actually know what it means or how it works. This tale of three similar brothers with three different incomes (but one shared expense) helps explain the tax system under which we live. Adapted from an article by noted investor and economist, Kip Hagopian, and narrated by actress Carolyn Hennesy of "General Hospital" and "True Blood" fame, this animated story will change the way you think about how you pay your taxes.  Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: Once upon a time, there were three brothers, triplets, named Tom, Dick, and Harry Class. They were raised in the same home, with the same parents, had the same IQ, same skills and same opportunities. Each was married and had two children. They were all carpenters making $25 per hour. While they were very similar in all these respects, they had different priorities. For example, Tom, chose to work 20 hours per week, while his brother, Dick worked 40 hours and Harry 60. It should also be noted that Harry's wife worked full time as an office manager for a salary of $50,000. Dick's wife sold real estate part time 10 hours a week and made $25,000 per year. Tom's wife did not work. Tom and Dick spent all of their family income. Since they paid into Social Security they figured, they didn't need to save for retirement. Harry and his wife, on the other hand, had, over many years, put away money each month and invested it in stocks and bonds. Here's how it worked out: Tom made $25,000 a year, Dick and his wife made $75,000 and Harry and his wife, $150,000. When a new housing development opened up in their community, the brothers decided to buy equally-priced homes on the same private street. One day the brothers decided to pool their funds for the purpose of improving their street. Concerned about crime and safety, and wanting a more attractive setting for their homes, the three families decided to install a security gate at the street's entrance; repave the street's surface; and enhance the lighting and landscaping. The work was done for a total cost of $30,000. Harry assumed they would divide the bill three ways, each brother paying $10,000. But Tom and Dick objected. "Why should we pay the same as you?" they said. "You make much more money than we do." Harry was puzzled. "What does that have to do with anything?" he asked. "My family makes more money because my wife and I work long hours, and because we have saved some of the money we've earned to make additional money from investments. Why should we be penalized for that?" "Harry, you can work and save all you like" Tom countered. "But my wife and I want to enjoy ourselves now, not 25 years from now." "Fine, Tom. Do what you want. It's a free country. But why should I have to pay for that? "I can't believe your being so... unbrotherly," Tom argued. "You have a lot of money and I don't. I thought you'd be more generous." At this point, Dick, the peacemaker in the family, entered the conversation. "I've got an idea," Dick said. "Our combined income is $250,000, and $30,000 is 12 percent of that amount. Why don't we each pay that percentage of our income? Under that formula, Tom would pay $3,000, I would pay $9,000, and Harry would pay $18,000." "I have a much better idea," said Tom. "And one that's fairer than what you're proposing." For the complete script, visit https://www.prageru.com/videos/progressive-income-tax-tale-three-brothers
Views: 4646166 PragerU
John Berlau on Obama's Mortgage Rescue Plan
 
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John Berlau, Director of the Center for Investors and Entrepreneurs at the Competitive Enterprise Institute, debates the merits of President Obama's mortgage rescue plan.
Federal Foreclosure Fix
 
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Harry Smith spoke with Ray Martin about how President Obama's new mortgage plan will help homeowners in various states of foreclosure.
Views: 1509 CBS
U.S. Government's Financial Rescue Plan Costs Less than Projected
 
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For more news & videos visit ☛http://english.ntdtv.com U.S. Treasury Secretary Timothy Geithner says the U.S. government's financial rescue plan will cost about $30 billion. It is considerably lower than what was estimated. U.S. Treasury Secretary Timothy Geithner defended the $700 billion Troubled Asset Relief Program (TARP) on Thursday. He told a congressional panel that the Treasury expected a positive return on its remaining support for banks, automakers, credit markets and American International Group (AIG). Geithner said the U.S. government's financial rescue efforts will cost less than 1 percent of gross domestic product, considerably below past systemic crises. [Timothy Geithner, U.S. Treasury Secretary]: "These programs achieved their objective at a fraction of their cost that almost any observer predicted , even as recently as three, six , nine months ago." The Treasury's most recent all-in cost estimate for TARP, including expected gains from AIG investments, is about $30 billion, down from a previous estimate of $350 billion by the Congressional Budget Office. He said the U.S. economy and financial system have not yet recovered from the crisis, with the unemployment rate still near 10 percent and small businesses still having difficulty accessing credit. [Timothy Geithner, U.S. Treasury Secretary]: "Now the government's financial programs including TARP were not designed and cannot solve all those problems and cannot on their own solve all the damage caused by the crisis. But these programs do what they had to do, what they were designed to which was to protect the value of America' savings, to restore a measure of stability to the financial system at the edge of collapse, re-open access to credit and to restart economic growth." He said the housing market also remains weak, and the Treasury is continuing to use mortgage finance giants Fannie Mae and Freddie Mac to apply downward pressure on rates.
Views: 432 NTDTV
Are you under 30 and looking for the best way to save money to buy a house
 
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http://buyingyourfirsthomewithgold.com/ If you are like many people these days you have the desire to buy a house but despair of ever being able to save money to buy a house. I was talking to someone the other day who was in exactly this situation. She said her and her husband are saving everything they can and in 5 years they expect to have enough deposit to buy a house. I asked her what she thought that house deposit would be and what sort of house it would get her. For more details of our discussion visit http://freedomwithcashflow.com/2014/06/are-you-under-30-and-looking-for-the-best-way-to-save-money-to-buy-a-house/. We then had a discussion about the best way to save money to buy a house. I told her about Karatbars and how so many people are using Karatbars to buy gold on a regular weekly or monthly savings plan, just that you are saving your money into gold rather than declining dollars in the bank. It was at this point that the penny dropped for my friend and she asked me how she could do what I was doing and start her own gold savings plan. If you would like to learn more about the best way to save money to buy a house and want your deposit for buying your first home to be worth more in 5 years' time than it is today join with us and start your own gold savings plan with Karatbars today. Just go to http://buyingyourfirsthomewithgold.com/ John and Linda freedomwithcashflow@gmail.com http://freedomwithcashflow.com/karatbars https://www.facebook.com/FreedomWithCashflow
Views: 1120 Freedom With Cashflow
Why you need a Reverse Mortgage in your plan
 
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As a Senior who owns a home it is more important today to make a plan for the future and have a Reverse Mortgage in that plan for the your golden years
Views: 23 bigtrobbins
What Is A Voluntary Surrender Of Property?
 
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Voluntary surrender of property form should i sign it what is a voluntary home & how does mortgage. Free expert advice to help you do this. Homes surrendered during bankruptcy still go through foreclosure. Voluntary surrender of property boards. Sign, fax and printable from pc, ipad, tablet or mobile with pdffiller instantly but the question is if i voluntary surrender rather than them repo am in process of surrendering my house too as secured loan mar 18, 2010 dont waste any more time talk to mabs citzens information before you go route a property bank. Lenders take the property, you vacate home and lender resells if you're having trouble paying your mortgage, may be tempted to voluntarily give house bank avoid foreclosure process. Ie re voluntary surrender of property buying or selling forum. Surrendering the home permits an individual to give up property they. A deed in lieu of foreclosure, which you voluntarily surrender ownership your home to the lender, has several merits and drawbacks when compared foreclosure process a voluntary surrender, commonly referred as is an agreement between borrower lender wherein deeds title property securing loan default jul 29, 2015 sale recommended over are more likely get better price if sell house yourself rather than no matter what current financial position should not bank without first discussing situation with one ten or so dear all. Voluntary surrender grant thornton debt solutions. Some banks are offering a payment to homeowners voluntarily leave their homes in fill voluntary surrender of property form, download blank or editable online. Some lenders offer an assisted voluntary sale scheme i am 71 and in failing health, can no longer take care of myself or my home. Googleusercontent searcha deed in lieu requires you to walk away from your home, much like a foreclosure. Surrendering the should i surrender or sell my house to help deal with debts. You will individuals filing bankruptcy must surrender their home to be relieved of financial liability. Voluntary surrendering vssf gate homeguides. Voluntary surrender voluntary surrendering vssf gate. Sfgate voluntary surrendering vs foreclosure 79834. Can you surrender a deed to avoid foreclosure? Budgeting money. Surrendering a property due to debthow do i voluntary surrender my house back t q&a avvovoluntary vscompass what happens if voluntarily surrendered problems with surrendering home banks independent. I need to go live with family members take care of me and get a voluntary repossession or surrender should only ever be last resort so buildings insurance (remember, your policy may invalid if the property is sep 30, 2013 means that borrower knows accepts deficit however house sale worth more than debt owed, open communications bank, explain situation why you move, are prepared feb 23, 2010 'voluntary surrender' formal agreement whereby hands over possession lender clear outstanding jan 6, was talking an advisor yesterday came away thinking best optio
Views: 73 top sparky
Rescuing Wall Street to Save the US Economy - Neither Fair Nor Effective
 
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http://www.americanprogress.org/issues/2008/09/fair_nor_effective.html Ed Paisley of the Center for American Progress shares his thoughts on the unprecedented economic bailout being planned by the federal government. Unless U.S. Treasury Secretary Henry Paulsons first stab at a $700 billion rescue of the global financial system is revised to incorporate restructuring troubled mortgages, it will be neither fair nor effective. Paulsons draft legislation attempts to rescue the balance sheets of Wall Street but does almost nothing for homeowners on Main Street. Thats a fundamental flaw. The U.S. housing market won't recover without restructuring of underlying mortgages that are troubled. Global credit markets will not respond to this exceedingly expensive plan unless we get our fundamentals right. Moreover, taxpayers will be saddled with increasingly worthless paper as many of the underlying mortgages fail. The Paulson plan demonstrates a disturbing disconnect between the mortgage-related assets that taxpayers $700 billion is being used to purchase and the necessary restructuring of the troubled mortgages themselves. Many hard-working Americans are having trouble paying on their mortgages, which in turn is driving down the value of their neighbors homes across the country. Tens of millions of families have seen their home values plunge through no fault of their own. Nearly 1 in 10 American households—roughly 5 million—have a mortgage that is either in default or facing foreclosure. These are the families still struggling to pay their mortgage even after the earliest subprime borrowers have already lost their homes. Without provisions expressly aimed at helping these borrowers restructure their mortgages with the assistance of the federal government or through judicial modification, this grand plan to buy "toxic" assets from the financial institutions that engineered this market meltdown will not help the U.S. housing market recover. The Bush administration, however, is ...
Views: 5756 seeprogress
Rick Santelli and Why We Should OPPOSE the Obama Mortgage Plan
 
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The one video everyone should see on what the Obama Administration is up to. Rick santelli's reaction to the Obama Mortgage Plan. I could not agree more. If you don't agree with this video, you are likely a socialist!! Please pass this video along to friends and family!!!
Views: 4275 JML0328
Modify My Mortgage - Slow Walk Away Program
 
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http://modifymymortgage.com/ How to do a slow walk away. Stay in your home for a year or more free. Save money then rent a home until value of homes stops declining. Then buy—over the years you will gained equity year after year. These days' homeowners and investment property owners often find the value of their properties are thousands of dollars less than what they owe to the lenders. You can Stop and prevent Forclosure many ways including loan modification, lower payments, reduce loan balance. We can provide loan modification help and rescue your home.
Views: 99 ModifyMyMortgage
Robert Satnick Responds to Obama Mortgage/Foreclosure Plan
 
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CMBA Chairman Robert Satnick, Prime Financial Services, appears on KPCC Radio's Pat Morrison show to provide thoughts on President Obama's plan to address home foreclosures
Views: 450 CAMortgageBankers
New CitiMortgage Help Plan Falls Short
 
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Freedmont Mortgage CEO Carl Delmont explains how the CityMortgage plan to help struggling homeowners does not go far enough to help people refinance into more suitable loans.
Views: 926 freedmontmortgage
If I owe more than my house is worth.. what can I do?
 
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Real estate tips from Derek Ebrecht of GREEN LIGHT REALTY. Information is provided by "It's Time to Move Up", the real estate resource for consumers who want their questions answers in ways they can understand. Derek specializes in foreclosure homes and foreclosure homes only. For more information please visit www.greenlight-realty.com or www.itstimetomoveup.tv.
Views: 8058 Ruben B. Austria
HARP Program Mortgage Loan Atlanta GA slashes payments - HARP Refinance
 
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The HARP Program Mortgage Loan Atlanta GA Underwater Home Owners can benefit from greatly with average annual savings of $1,923 (HARP.gov) How to use a HARP program loan to refinance your home mortgage to lower your payments, your interest rate and without bothering with Appraisal Results The Home Affordable Refinance Program, also know as HARP is part of the Obama Administration's #MyRefi Plan to help underwater homeowners save their home by allowing them to refinance into a more affordable rate or more desirable loan term to reduce their monthly mortgage payments and to avoid foreclosure. You might be eligible to take advantage of the improved changes to the Home Affordable Refinance Program (HARP). Precisely what is the HARP Refinance Program in Atlanta Georgia? The HARP loan was established to help house owners in refinancing their mortgage when the market value of their home has dipped below their present-day mortgage balance, making typical refinancing no longer an alternative. The HARP program loan is a federal government loan program that was upgraded lately to help additional homeowners who have underwater mortgages but continued to make their mortgage payments on time. HARP Program Mortgage Loan Atlanta GA Refinancing your mortgage via the Obama Administration's HARP Program could very well help you save hundreds of dollars on month-to-month payments or put you into a far safer loan program, no matter how much your home will appraise for. Is the Obama Refinance Program the Same as the HARP Program? The HARP Program, also known as HARP 2.0, HARP 3.0, DU Refi Plus or the Obama Refinance Program #MyRefi, is a special Government Sanctioned Refinance Program for usual loans that was updated in early 2012 to help home owners with minimal or no equity refinance their mortgage and make the most of historically low rates by eliminating many of the regular loan qualifying impediments. The relaxed underwriting guidelines include appraisal values, second lien holders, mortgage insurance and interest rate fee penalties. The HARP Program was originally established by the FHFA (Federal Housing Finance Agency) in March 2009 under President Obama's Making Home Affordable Program to help near-underwater and underwater home-owners refinance their mortgages. The HARP Program underwater homeowners can find comfort in a quote from: http://fanniemae.com -- The goal of the HARP Program, as announced by the President, is to "provide access to low-cost refinancing for responsible homeowners suffering from falling home prices.” Doing this indicates that homeowners refinancing with the HARP program loan should certainly have the chance to obtain lower HARP mortgage interest rates. According to the monthly Freddie Mac Rate Trends Survey (that goes back to 1971), it's apparent that mortgage rates have indeed been very cheap for the past several months. Just one of the crucial perks to suitable borrowers using the new HARP Loan program is that the government has put a cap on the rate and fees lenders can charge for adjustments based on LTV, credit and other factors. HARP Program Mortgage Loan Atlanta GA In simplest of terms, your new interest rate will be nearer to the cheaper rates of traditional conventional mortgages. HARP Program Options for Underwater Home Owners In a lot of circumstances, loan providers will call for a full underwritten approval before a borrower will be able to lock in an interest rate. Since these HARP loans generally spend a few weeks waiting in line for the underwriting department, your potential interest rate will be in what's called a "floating" status until your lender can actually lock you in. The lengthier the lock duration is (15, 20, 30, 45, 60 days), the more elevated the interest rate may be. It's actually suitable to sit tight until your file is fully approved and ready for loan documents. HARP 2.0 Atlanta GA How Do I Shop For The Best HARP Program Mortgage Rates? Simply shopping interest rates will ordinarily lead to an annoying encounter with your HARP Refinance due the considerations defined above. The very best strategy for getting the best rate on your HARP Loan is to shop interest rates by "Qualifying A Lender" based upon their knowledge of exactly how rates actually work, as well as their competency to express and communicate economic indicators to you that may likely have a negative or positive impact on the specific HARP Interest Rate that makes sense for your circumstance. HARP Program Mortgage Loan Atlanta Georgia Please subscribe to my YouTube Channel at: http://www.youtube.com/c/HARPMortgageProgramUSA This video can be found at: https://www.youtube.com/watch?v=TI_hfjYexBc Google +: https://www.google.com/+HARPMortgageProgramUSA Visit: http://harpmortgageprogramatlanta.com for tons more information and the right HARP Mortgage Professionals to help you. More information: https://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
Views: 1650 HARP Mortgage Program
Government Mortgage Rule Changes - CMHC -
 
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http://mortgagelocator.ca/ In this video I cover the various changes that were announced today by the Finance Minister regarding mortgage financing and qualification. Amongst them were: 1. Refinances capped at 90% financing 2. Non owner-occupied properties financing capped at 80% 3. Variable rate mortgage qualification standardized across all banks As many of you are aware, today on February 16, the government made some announcements as to some changes that they are going to be enacting on mortgage lending in Canada. These changes were largely the result of the banks going to Ottawa hat in hand and pleading that there was some requirement for some changes. The mortgage industry was getting ahead of itself. Many people were citing there was a bubble and that kind of thing. I've always found this mentality of the banks claiming that the government has to rein in their private lending practices to be a strange one at best. That's very akin to a car dealership going to the government to say, "We need you to enact laws that make our cars less fast because the clients just like them too much, and they're buying them all up. We have to provide them. We have to do whatever they want." I've always thought that was a very strange argument. It just plays out doubly strange here with the banks, who could choose if they wanted to simply to not offer the products that they feel are risky. But they know they'll lose market share, and so rather than do the right thing, they have the government go and legislate laws instead. So what were the changes? Well, the first thing is they have enacted some sort of policy regarding the qualification for variable mortgages. There's a big discrepancy right now between the rates you pay in a variable mortgage -- as low as 1.9% -- and rates that you're paying on fixed mortgages, which if you're taking a similar five-year term you're going to be paying around 3.69% or somewhere in that range. If you're looking at those two different rates, that's almost a two percent full difference based on exactly the same amount of debt. So how do you as a borrower justify taking such a substantially higher fixed rate? A lot of people haven't been; they've been opting for the variable. The problem is a lot of them need that variable rate in order to qualify, and that is a problem, because that is going to be testing affordability shortly. If rates rise, those same people could be in a lot of trouble. The government has said that from now on, you have to qualify using the five-year fixed rate. What they haven't said is what five-year fixed rate they're going to be using. It could be posted rates. It could be the five-year discounted rate. It could be some government-mandated five-year rate. Let's not forget: discounted and posted rates are both something that are set by the banks. So if they don't use a government-mandated rate, that means the banks are still free to adjust posted rates and manipulate how people qualify for variable-rate mortgages. I'm not too sure how that one's going to play out yet. We need a little more clarification. The second thing they've done is restrict refinances from 95% loan to value. So you can no longer borrow right back up to 95% and take your home back to the hilt, you can only do it at 90%. We sat there talking in our office about this today, and it doesn't really seem like that was a product we were really using much. I think I can count one in the last two years where I've had to do a refinance to 95%, and that was really more of a husband buying the property off of his wife and refinancing it through a divorce. So it's not a product that's used very often. It's odd that they jumped on that one. The rationale is that of course that they want to force homeownership to be a bit more of a savings account, if you will, then people refinancing and using their home as a piggy bank. The last rule and change that came down had to do with investor properties, so properties when it's not going to be owner-occupied. Previously you could buy a property as a rental with 5% down. Now you faced some very heavy CMCH premiums to do that, but it was at least something that was technically possible. Well, the new move by the government is going to restrict all non-owner-occupied properties to requiring a 20% down payment. That's a substantial market in the Vancouver market, especially all those properties in Columbus and Fall's Creek and downtown Yaletown that have cropped up. A lot of those condos are investment.
Views: 908 Canada Mortgage
Modify My Mortgage - Lower Payments
 
00:28
http://modifymymortgage.com/ How to do a slow walk away. If your loan balance on your first loan or HELOC is larger that the value of your home we can often negotiate a very large balance and rate reductions. These days' homeowners and investment property owners often find the value of their properties are thousands of dollars less than what they owe to the lenders. You can Stop and prevent Forclosure many ways including loan modification, lower payments, reduce loan balance. We can provide loan modification help and rescue your home.
Views: 46 ModifyMyMortgage
Short Sale and Foreclosure Help with Judy Hunter
 
02:07
Are you in danger of possible foreclosure and wondering about your options? I make it a point to help homeowners understand what options they have in times of hardship. You may be fortunate enough to secure new terms and payment amounts on your mortgage. However, you may find yourself in a position where you have to sell and are concerned about your home being worth less than what you owe. This circumstance is called a short sale and I can recommend legal and tax professionals to discuss foreclosure, bankruptcy, or potential work out options. I can help sell your home, help negotiate terms with the bank, collect my fee from the lender, and help you to rebuild your credit, all at little to no cost to you. I know this process well and have been thoroughly trained to effectively communicate with your lender regarding the sale of your home. You must consult with your lender to discuss the options and possible benefits and risks of a short sale. I will provide you with many credit repair options, while recommending several legal and tax professionals to help settle any and all of your concerns. My consultation is free, my information and help is priceless. We all fall on bad times, let me help you get back on your feet and find other avenues. Please, let me help you, Im just a phone call away.
Views: 197 aarikaian
Stop Foreclosure Spartanburg SC | 864-300-2111 | Fast Solutions
 
00:44
Stop Foreclosure Spartanburg SC | 864-300-2111| Fast Solutions http://www.masonbuyshouses.com/we-buy-houses-spartanburg-sc/ Keeping your home during a foreclosure is possible. Here's how. Not all foreclosures have to end in the homeowner losing their home. Most homeowners going through foreclosure don't know all of their options, and it's not your fault. In some cases you may be able to stop foreclosure Spartanburg SC or if you're not quite in foreclosure but heading there we may be able to help you avoid foreclosure in Spartanburg .There is a lot of misinformation out there about foreclosure and the foreclosure process. And frankly, new regulations from the government seem to come out every few months. How to Stop Foreclosure Spartanburg . But, there are options that could help you stay in your home if your situation qualifies.Fill out the quick form below and we'll set up a Foreclosure Prevention Counseling Session with you and one of our foreclosure experts. The session is free. We'll find out about your specific situation, give you some education to help you better navigate the foreclosure process successfully, and lay out your options so you can make a well informed decision. File a written answer to the foreclosure complaint. Filing an answer and attending the hearing stops the lender or county from obtaining a default judgement against you. Loan modification changes the terms of your original mortgage. For example, your lender may add the missed payments to the end of your loan. Forbearance allows you Stop Foreclosure in Spartanburg or to either pay partial payments or no mortgage payments for a specific time. However, you must eventually pay the full amount of your mortgage. You may agree to one lump sum payment to catch up on your mortgage or make extra payments in addition to your monthly mortgage payments.Select the option that fits your financial circumstances.The best way to avoid foreclosure in Spartanburg SC is to prevent the filing of a Notice of Default. Lenders do not want to foreclose but will file a Notice of Default to protect their interests, if necessary. If you know you are unlikely to meet your mortgage obligation, the first thing you should do is call your lender. Don't put it off, be embarrassed or ignore letters from your lender because those responses will make the situation worse, not better. Depending on your particular situation and hardship circumstances, here are some options your lender might propose to you. Time to make up your payments. Lenders might agree to wait before taking legal action against you and let you work out a repayment plan that is affordable for you. This is called forbearance. Forgiving a payment.If you can agree on a way that you will be current after missing a payment or two (without the means to pay it back), the lender might give you a break and waive your obligation. This is called debt forgiveness, and it rarely happens. Spread out the missed payments over a longer term. Certain government loans contain provisions that let borrowers who meet specific criteria apply for another loan, which will pay back the missed payments. This is called a partial claim. Ways to Stop Foreclosure.When the lender files a Notice of Default, your options are limited. That is why it is better for you to call your lender before falling behind on your payments, because lenders are often reluctant to work out repayment schedules after foreclosure proceedings have been commenced.You will be given a certain time period to bring the payments current, pay the costs of filing the foreclosure and stop the foreclosure. This is called reinstatement of your loan. If you cannot make up the missed payments and the lender will not work with you, here are a few other options to stop foreclosure. Sell Your Home If your home is worth less than the amount you owe, you might be a candidate for a short sale. A short sale affects credit but it's not as bad as a foreclosure. You or your agent will need to negotiate with your lender to find out if the lender will cooperate on a short sale. This is called a pre-foreclosure redeemed.Sign a Deed-in-Lieu of Foreclosure. This is called deeding the home back to the lender. The homeowner give the lender a properly prepared and notarized deed, and the lender forgives the mortgage, effectively cancelling the foreclosure action. Lenders tell me that deeds-in-lieu of foreclosure affect credit the same as a foreclosure. The lender might also work an arrangement where a home owner can remain in the home until finding a place to move into. Owners in default should negotiate the right to retain occupancy, arguing that if the lender followed through on the foreclosure, an owner would still enjoy the right of possession during that procedure. http://www.masonbuyshouses.com/ http://www.youtube.com/c/Masonsellshouses https://youtu.be/l20aK4X11Bg
Views: 21 Mason Buys Houses
What To Do When The Sales Price Leaves You Short
 
05:34
What's My Yuba City Worth? Yuba City Real Estate Blog - What to Do When the Sale Price Leaves You Short Yuba City Realtor and Yuba City Area Specialists Mike & Jennifer Rigley here bringing you the latest Yuba City Real Estate Information. Thank you for joining us. Today let's talk about Navigating Short Sales: What to Do When the Sale Price Leaves You Short If you're thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it. 1. Consider loan modification first. If you are thinking of selling your home because of financial difficulties and you anticipate a short sale, first contact your lender to see if it has any programs to help you stay in your home. Your lender may agree to a modification such as: Refinancing your loan at a lower interest rate; providing a different payment plan to help you get caught up; or providing a forbearance period if your situation is temporary. When a loan modification still isn't enough to relieve your financial problems, a short sale could be your best option if: • Your property is worth less than the total mortgage you owe on it. • You have a financial hardship, such as a job loss or major medical bills. • You have contacted your lender and it is willing to entertain a short sale. 2. Hire a qualified team. The first step to a short sale is to hire a qualified real estate professional and a real estate attorney who specialize in short sales. Interview at least three candidates for each and look for prior short-sale experience. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with those who demonstrate a thorough working knowledge of the short-sale process and who won't try to take advantage of your situation or pressure you to do something that isn't in your best interest. A qualified real estate professional can: • Provide you with a comparative market analysis (CMA) or broker price opinion (BPO). • Help you set an appropriate listing price for your home, market the home, and get it sold. • Put special language in the MLS that indicates your home is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers). • Ease the process of working with your lender or lenders. • Negotiate the contract with the buyers. • Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can't sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title. 3. Begin gathering documentation before any offers come in. Your lender will give you a list of documents it requires to consider a short sale. The short-sale "package" that accompanies any offer typically must include: • A hardship letter detailing your financial situation and why you need the short sale • A copy of the purchase contract and listing agreement • Proof of your income and assets • Copies of your federal income tax returns for the past two years 4. Prepare buyers for a lengthy waiting period. Even if you're well organized and have all the documents in place, be prepared for a long process. Waiting for your lender's review of the short-sale package can take several weeks to months. Some experts say: • If you have only one mortgage, the review can take about two months. • With a first and second mortgage with the same lender, the review can take about three months. • With two or more mortgages with different lenders, it can take four months or longer. When the bank does respond, it can approve the short sale, make a counteroffer, or deny the short sale. The last two actions can lengthen the process or put you back at square one. (Your real estate attorney and real estate professional, with your authorization, can work your lender's loss mitigation department on your behalf to prepare the proper documentation and speed the process along.) 5. Don't expect a short sale to solve your financial problems. Even if your lender does approve the short sale, it may not be the end of all your financial woes. Here are some things to keep in mind..... What's my Yuba City Home Worth? Call us today at 916-396-7487 for a free no obligation consultation or log on to www.RigleyRealtyGroup.com to find out. Call us today -- you'll be glad you did.
You Owe More on Your Home than It's Worth - Options 1 to 7
 
04:22
This is a video about options for homeowners when they are upside down in their home, when they owe more on their home than it is worth, and they don't know what to do.
Views: 74 donovanblatt
Loan Modification & Barak Obama: How to Save Your Home!
 
01:36
http://www.60minuteloanmodification.com Loan Modification expert Mike Rockwood explains the newest buzzword, 'Loan Modification.' Many distressed homeowners may not even know what a loan modification is! Mike Rockwood explains what it is and how to apply. For a free CD on Author Mike Rockwood's experience modifying 5 of his own home loans - and how you can too - please visit our Website at http://www.60minuteloanmodification.com
Views: 1636 Ryan Rockwood
Stop Foreclosure Bolivar | (330) 966-3040 | Stop Bolivar Foreclosure | 44612 | OH
 
01:13
http://www.stopforeclosurefree.com. Call now (330) 966-3040. It’s no surprise that millions of Americans are losing their homes to foreclosure. The news outlets lead with stories every day about the economic downturn, record unemployment rates, and the drop in housing prices as the real estate market bottoms out. Not paying your mortgage – no matter the reason – will red flag your account and can eventually lead to foreclosure proceedings. If you find yourself already in the foreclosure process, don’t despair. Even though homeowners certainly never plan on being delinquent on their mortgage payments or losing their homes, hope is not lost. This idea of losing a home is certainly stressful and scary but there are ways out of foreclosure so you don’t ruin your credit score or have a foreclosure on your record. Educating yourself is key to understanding the process, finding resources to help you, and knowing some different solutions out of foreclosure. The key is to take action rather than sitting back and waiting for someone to come rescue you. Do not be embarrassed, ashamed, or think you’ll just pay extra next month. One missed payment is all it takes to signal the lender that there might be a problem. Here are some possible resolutions your lender might consider: 1. Forbearance – Lenders might consider giving you extra time before taking legal action to work out a payment plan that you can afford. 2. Repayment Plan – This option adds a small amount to your current monthly payments for a specified period of time until the amount of the missed payment is collected. 3. Note Modification – Your lender might consider making changes to the conditions of the loan, such as freezing the interest rate for an adjustable mortgage or extending the length of the loan. Understanding the Foreclosure Process Okay, if you already know the foreclosure process and exactly how it works... go ahead and skip this section. But, knowing the foreclosure process well can help you more effectively avoid foreclosure or get your property sold more quickly at a fair price. So... here we go... Pre-Foreclosure is the preliminary stage of the foreclosure process before legal filings are made by the lender. This is the optimal time to stop a foreclosure because at this point your credit rating will not be affected. Some options are to speak with your lender, put your home on the market, or find a private investor who is willing to purchase or take over the existing loan. The actual foreclosure process begins when the lender files a Notice of Default. This is a filing in the public records that indicates where the home is located and it indicates that the homeowner is behind in payments and the home might possibly be seized. After the filing, the lenders must generally wait 90 days before selling or auctioning the property. During this respite you can still work with your lender or maybe find another source of income to help make up the back payments. One of the Best Ways to Stop a Foreclosure In the event that you can’t work out payments or a modification with your lender you still have options to stop the foreclosure proceedings. However, you must act quickly to save your credit. 1. Your Lender Will Usually Consider a Short Sale – If your home is worth less than what you owe on the loan, you might be a candidate for a short sale. Basically, we will need to negotiate with the lender to see if they would be willing to take less than the full amount due on the loan. Short sales are better on your credit than a foreclosure. In addition, short sales will keep the foreclosure off of your permanent record for current & future employers, family and nosy neighbors to see. Plus most lenders will even agree to pay you cash for relocation so you can get a fresh start. We can evaluate your specific situation for you to lay it out in clear to understand terms exactly which options are realistic and exactly what each option can do for you and your family. Just get a hold of us and tell us a bit about your property... from there we'll get back to you within 24 hours with a clear explanation of what will help you reach your goals in your specific situation. Want Us To Help You Review Your Situation To Lay Out ALL Of Your Options and Help you Stop Foreclosure North Canton? Call us today at (330) 966-3040 or visit http://www.stopforeclosurefree.com http://youtu.be/HZeYu-LPh7Y
Stop Foreclosure Alliance | (330) 966-3040 | Stop Alliance Foreclosure | 44601 | OH
 
01:11
http://www.stopforeclosurefree.com. Call now (330) 966-3040. It’s no surprise that millions of Americans are losing their homes to foreclosure. The news outlets lead with stories every day about the economic downturn, record unemployment rates, and the drop in housing prices as the real estate market bottoms out. Not paying your mortgage – no matter the reason – will red flag your account and can eventually lead to foreclosure proceedings. If you find yourself already in the foreclosure process, don’t despair. Even though homeowners certainly never plan on being delinquent on their mortgage payments or losing their homes, hope is not lost. This idea of losing a home is certainly stressful and scary but there are ways out of foreclosure so you don’t ruin your credit score or have a foreclosure on your record. Educating yourself is key to understanding the process, finding resources to help you, and knowing some different solutions out of foreclosure. The key is to take action rather than sitting back and waiting for someone to come rescue you. Do not be embarrassed, ashamed, or think you’ll just pay extra next month. One missed payment is all it takes to signal the lender that there might be a problem. Here are some possible resolutions your lender might consider: 1. Forbearance – Lenders might consider giving you extra time before taking legal action to work out a payment plan that you can afford. 2. Repayment Plan – This option adds a small amount to your current monthly payments for a specified period of time until the amount of the missed payment is collected. 3. Note Modification – Your lender might consider making changes to the conditions of the loan, such as freezing the interest rate for an adjustable mortgage or extending the length of the loan. Understanding the Foreclosure Process Okay, if you already know the foreclosure process and exactly how it works... go ahead and skip this section. But, knowing the foreclosure process well can help you more effectively avoid foreclosure or get your property sold more quickly at a fair price. So... here we go... Pre-Foreclosure is the preliminary stage of the foreclosure process before legal filings are made by the lender. This is the optimal time to stop a foreclosure because at this point your credit rating will not be affected. Some options are to speak with your lender, put your home on the market, or find a private investor who is willing to purchase or take over the existing loan. The actual foreclosure process begins when the lender files a Notice of Default. This is a filing in the public records that indicates where the home is located and it indicates that the homeowner is behind in payments and the home might possibly be seized. After the filing, the lenders must generally wait 90 days before selling or auctioning the property. During this respite you can still work with your lender or maybe find another source of income to help make up the back payments. One of the Best Ways to Stop a Foreclosure In the event that you can’t work out payments or a modification with your lender you still have options to stop the foreclosure proceedings. However, you must act quickly to save your credit. 1. Your Lender Will Usually Consider a Short Sale – If your home is worth less than what you owe on the loan, you might be a candidate for a short sale. Basically, we will need to negotiate with the lender to see if they would be willing to take less than the full amount due on the loan. Short sales are better on your credit than a foreclosure. In addition, short sales will keep the foreclosure off of your permanent record for current & future employers, family and nosy neighbors to see. Plus most lenders will even agree to pay you cash for relocation so you can get a fresh start. We can evaluate your specific situation for you to lay it out in clear to understand terms exactly which options are realistic and exactly what each option can do for you and your family. Just get a hold of us and tell us a bit about your property... from there we'll get back to you within 24 hours with a clear explanation of what will help you reach your goals in your specific situation. Want Us To Help You Review Your Situation To Lay Out ALL Of Your Options and Help you Stop Foreclosure North Canton? Call us today at (330) 966-3040 or visit http://www.stopforeclosurefree.com http://youtu.be/Qsdwn181DnU
Should You Use a Property Management Company for Your Rental Property?
 
03:49
Any responsible landlord knows a lot of work goes into managing a rental property. So is it smart to outsource some of that work to a property management company? Property management companies can take care of many tasks that landlords otherwise must handle themselves, from finding tenants and collecting rent to handling the upkeep of the property itself. But that assistance costs money, so it comes down to whether saving some time on rental property upkeep and management is worth eating into your bottom line. Ultimately, different landlords will draw different conclusions once they’ve done their own cost/benefit analysis for hiring a property management company. On this Real Estate Minute, I’ll discuss what Zillow suggests are some advantages to using a property management company and share why my experience as a real estate investor and landlord has led me to forgo using one myself. Be sure subscribe to my YouTube channel for the latest real estate tips and news: http://www.youtube.com/subscription_center?add_user=expertrealestatetips And for more of my real estate and personal finance tips: Read my blog: http://thinkglink.com See my tweets: http://www.twitter.com/glink Follow me on Facebook: http://www.facebook.com/ilyceglink
Views: 4798 ExpertRealEstateTips
Obama's making home affordable program will help thousands save their homes from forseclosure
 
06:46
http://www.michiganmortgagemodification.com Foreclosure Help- Find out how to lower your mortgage payment and save your home. Get the FREE Report "The 6 Reasons a Loan Modification will work for you"
Views: 1326 mimortgagemod
203k Consultants: When a Consultant is a Good Thing and Why
 
04:22
http://www.amerifirst.com/amerifirst-blog/bid/95108/FHA-203k-Why-a-203k-Consultant-is-a-Good-Thing National renovation lending expert Joe Daly covers 203k consultants (also called HUD consultants) and why they can be an asset during the FHA 203k process. Consultants are required on the Full 203k, but not on the 203k Streamline. Find out if there is still value in having a HUD consultant be your "renovation mentor," and where these professionals come from. AmeriFirst Home Mortgage is a home buyers resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. You can learn more about consultants in the 203k Forum here: http://www.203kforum.com/ Gary Smith is a Mississippi 203k consultant and 203k loan evangelist. With decades of experience, Gary has seen it all: "Consultants typically have more knowledge than contractors in today's housing market when it comes to the 203k loan. We're the eyes and ears for the buyer and the bank when it comes to things like health and safety and FHA standards. A consultant on your team can be vital for when the project becomes complicated. We can ease the frustration points during the 203k process."
The 700 Club - May 11, 2018
 
57:58
After losing a child and her marriage, Tracey hit rock bottom and didn’t know how to financially recover. Then she heard a plan about handling finances that changed everything. Hear what it was. Can it work for you?
Views: 2892 The Official 700 Club
Bankruptcy Lawyer Hawaii | Affinity Law Group
 
01:58
Click Here http://www.bankruptcylawyerhawaii.net Get a FREE Consultation & Bankruptcy Assessment from highly experienced Bankruptcy Lawyers in Hawaii at Affinity Law Group in Honolulu. We've helped 1,000 + Hawaii Clients. We offer representation in the following bankruptcy-related matters: Chapter 7 Bankruptcy A Chapter 7 bankruptcy is a type of bankruptcy case that allows a debtor to eliminate unwanted and harmful types of debt such as credit card balances, personal loans, and unpaid medical bills. Most people who are facing severe financial hardship use a Chapter 7 bankruptcy to get their fresh start. Seeking the advice of an experienced bankruptcy attorney before filing a Chapter 7 case is prudent for several reasons. Recent changes to the bankruptcy laws may prevent you from filing under Chapter 7 if your income is higher than the average person's or if you filed a Chapter 7 case in the previous eight years. A Chapter 7 bankruptcy may also not be feasible if the value of your assets exceeds certain dollar amounts. Finally, some types of debt, such as student loans or unpaid child support, cannot generally be eliminated in a Chapter 7 case. Our law firm will review your financial situation in detail before determining whether a Chapter 7 bankruptcy is right for you. Chapter 13 Bankruptcy A Chapter 13 bankruptcy requires a debtor to agree to a repayment plan (called a "Chapter 13 plan") that will allow creditors to be repaid at least a portion of the amounts owed them over a period of time (generally three and not longer than five years). This is in contrast to a Chapter 7 bankruptcy in which one's debts are generally eliminated without any repayment. Most of our clients who file for Chapter 13 bankruptcy are homeowners who have fallen behind on their mortgage payments due to temporary financial hardship and are facing imminent foreclosure. A Chapter 13 filing prevents a debtor's home from being foreclosed if the debtor resumes making monthly mortgage payments after their bankruptcy case begins and commits to repaying the total amount of prior missed payments in equal monthly installments over a three to five year period. A Chapter 13 bankruptcy may also be preferable if the value of a debtor's assets is significant. Finally, some debtors are required to file under Chapter 13 if their incomes are higher than average. Our law firm will review your financial situation in detail before determining whether a Chapter 13 bankruptcy is right for you. Creditor Harassment And Collections Defense Our law firm defends consumers who are the victims of unfair harassment by bill collectors. We litigate violations of the Fair Debt Collection Practices Act and state consumer protection laws to stop abusive and illegal debt collection practices. Wage Garnishments Filing for bankruptcy stops your wages from being garnished. In certain cases, you may also be able to force your creditors to return wages that were garnished prior to your bankruptcy filing. Our law firm routinely litigates these types of "avoidable preference" actions against creditors. Eliminating Second Mortgages Many people who purchased homes in recent years did so by taking out first and second mortgages. Now that real estate prices are decreasing dramatically in many parts of the State, it is not uncommon for a home to be worth much less than what you paid for it. If the current value of your property has dropped below the loan balance on even your first mortgage, bankruptcy may allow you to eliminate your second mortgage altogether. Our law firm can determine whether this bankruptcy option is available to you. Lowering Car Payments If the loan on your car or truck is more than two and a half years old, bankruptcy may allow you to reduce your monthly loan payments by lowering your loan balance to the current value of your vehicle and trimming your interest rate to a percentage that is set by the bankruptcy court. Pursuing this option requires that you repay the modified loan balance in monthly installments over a three to five year period. Our law firm can assess whether you qualify to take advantage of this important right in bankruptcy. http://www.bankruptcylawyerhawaii.net Bankruptcy Lawyer Bankruptcy Attorney Bankruptcy Lawyer Hawaii Best Bankruptcy Lawyer Hawaii Hawaii Bankruptcy Attorney Hawaii Bankruptcy Lawyers Hawaii Bankruptcy Law firm Bankruptcy Cost Hawaii Bankruptcy Attorneys Hi Bankruptcy Lawyer in Hononolulu HI Honolulu Bankruptcy Lawyers Filing Bankruptcy Hawaii Chapter 13 Bankruptcy Hawaii Chapter 7 Bankrupcty Hawaii Foreclosure Defense Attorney Hawaii Bankruptcy Cost Hawaii Hawaii bankruptcy cost
Views: 313 Raymond Cho
Having Brunch With 8 Fans That Supported Crushing It! | GaryVee Business Meeting
 
01:45:25
Super thankful to everyone that supported the launch of my book, Crushing It!; especially to the ones that I was able to sit down and have brunch with given their extremely generous support. I know that this video is a bit longer than usual, but let me know whether or not you enjoyed this format of a more long, uncut/raw video - would love to hear from you guys! xoxo Thank you for watching this video. I hope that you keep up with the daily videos I post on the channel, subscribe, and share your learnings with those that need to hear it. Your comments are my oxygen, so please take a second and say ‘Hey’ ;). — Join my #FirstInLine community: https://garyvee.com/JoinFIL — Follow my entrepreneurial journey here: https://www.youtube.com/playlist?list=PLfA33-E9P7FA-A72QKBw3noWuQbaVXqSD — ► Subscribe to my channel here: http://www.youtube.com/subscription_center?add_user=GaryVaynerchuk ►Check out my second channel here: http://www.youtube.com/askgaryvee — Gary Vaynerchuk is a serial entrepreneur and the CEO and founder of VaynerMedia, a full-service digital agency servicing Fortune 500 clients across the company’s 4 locations. Gary is also a prolific public speaker, venture capitalist, 5-time New York Times Bestselling Author, and has been named to both Crain’s and Fortune’s 40 Under 40 lists. Gary is the host of the #AskGaryVee Show, a business and marketing focused Q&A video show and podcast, as well as DailyVee, a docu-series highlighting what it’s like to be a CEO, investor, speaker, and public figure in today’s digital age. — Check out my Alexa skill!: http://garyvee.com/garyvee365 — Follow Me Online Here: 2nd YouTube: http://www.youtube.com/askgaryvee Instagram: http://instagram.com/garyvee Facebook: http://facebook.com/gary LinkedIn: https://www.linkedin.com/in/garyvaynerchuk/ Snapchat: http://snapchat.com/add/garyvee Website: http://garyvaynerchuk.com Soundcloud: http://soundcloud.com/garyvee/ Twitter: http://twitter.com/garyvee Medium: http://medium.com/@garyvee Planet of the Apps: http://planetoftheapps.com Podcast: http://garyvaynerchuk.com/podcast Wine Library: http://winelibrary.com Official Merchandise: http://garyveeshop.com Subscribe to my VIP Newsletter for exclusive content and weekly giveaways here: http://garyvee.com/GARYVIP
Views: 57073 GaryVee
Fist Full of Faith - "Prodigal" - Full Free Maverick Movie!!
 
01:56:22
SUBSCRIBE to our channel: http://www.youtube.com/subscription_center?add_user=Maverickent Learn More about Maverick Entertainment: http://www.maverickentertainment.cc/about/ FACEBOOK: http://www.facebook.com/maverickmovies TWITTER: https://twitter.com/MaverickMovies PINTEREST: http://www.pinterest.com/maverickmovies/ INSTAGRAM: http://instagram.com/maverickmovies#
Views: 87919 Maverick Movies
The 700 Club - May 28, 2018
 
48:28
A new age guru gets spooked by an out-of-body experience. Plus, a family of four is plunged into a watery grave. ► WATCH more stories: http://share.cbn.com/5ds46   ► CLICK to experience God’s love, purpose and forgiveness in your life: http://share.cbn.com/5ds47   ► Need prayer?     CLICK: http://share.cbn.com/5ds48     CALL 24/7: 1-800-826-8913.   ► PARTNER with CBN ministries: http://share.cbn.com/5ds49   ► CLICK to learn more about CBN ministries: http://share.cbn.com/5ds4a   ► CLICK HERE to subscribe to The 700 Club YouTube Channel: http://share.cbn.com/5ds4b   ► SIGN UP for daily devotionals: http://share.cbn.com/5ds4c   ► GROW in your faith: http://share.cbn.com/5ds4d   ► DOWNLOAD the myCBN app: http://share.cbn.com/5ds4e     The inspiration and encouragement doesn’t stop here; find us on the social networks you love most.   Facebook:  http://share.cbn.com/5ds4f Google+:  http://share.cbn.com/5ds4g Twitter:  http://share.cbn.com/5ds4h Instagram:  http://share.cbn.com/5ds4i Pinterest: http://share.cbn.com/5ds4j Snapchat: http://share.cbn.com/5ds4k
Views: 5370 The Official 700 Club
WaMu Looking for Buyer
 
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Ailing Washington Mutual Inc. moved into a better position to find a reprieve or rescue from its mounting loan problems Wednesday after a major investor removed a potential stumbling block to a sale or another infusion of capital. (Sept. 18)
Views: 3817 Associated Press
Man Samman | Bengali Movie | English Subtitle | Chiranjeet, Satabdi Roy
 
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Watch Bengali full movie Man Samman : মান সম্মান বাংলা ছবি on YouTube. Directed by Swapan Saha, starring Ranjit Mallick, Anuradha Ray, Satabdi Roy, Chiranjeet Chakrabothy, Bhaskar Banerjee, Shubhendu Chatterjee. Subscribe to “Bengali Songs” Channel for unlimited Bengali Movie Video Songs https://www.youtube.com/angelsongs Movie: Man Samman Language: Bengali Genre: Drama Producer: Rajesh Kumar Director: Swapan Saha Story: Swapan Saha Music Director: Ajoy Das Lyricist: Pulak Bandyopadhyay Playback: Kumar Sanu, Anupama Deshpande, Sabina Yasmin, Toton Kumar, Anusuya Ghosh, Parimal Bhattacharya, Sayantani Ghosh Release: 1993 Star cast: Ranjit Mallick, Anuradha Ray, Satabdi Roy, Chiranjeet Chakrabothy, Bhaskar Banerjee, Shubhendu Chatterjee, Nimu Bhowmick, Lily Chakravarty, Ramen Roy Chowdhury, Rajesh Kumar, Somashree, Master Bittu Watch Now!!!!! ►Best Of Chiranjeet Chakraborty Bengali Full Movies : https://goo.gl/VWsyz3 ►Best of Chiranjeet | Top 15 Bengali Movie Songs Video Jukebox : https://youtu.be/1kxvyWLTKXQ Synopsis:: Man Sanman is a family drama, which revolves around the main theme of family relations and the bond of love and respect between a child and his parents. The film runs through different layers, exposing the many evils that exist in society, like the greed for money, undignified livelihood, bad parenting and the likes. A few comic elements and cheerful songs all add to keep you engrossed in the film. #tollywoodhitmovies #bengaliletestmovie #latestbengalimovie #bengalidramamovie #bengalioldhitmovie #tollywoodmovies #BengaliTopHitsMovies #banglaromanticfilm #BengaliNewMovies #BengaliActionMovies Enjoy and stay connected with us!! Watch more of your favorite Bengali Movies Subscriber Now !! for unlimited entertainment ► https://www.youtube.com/BengaliCinemaHD Official Website ► https://www.angeldigital.co.in Like us on Facebook ► https://www.fb.com/angeldigital.videos Twitter ►https://www.twitter.com/AngelVideo Circle us on G+ ► https://plus.google.com/+angeldigitalvideos
Return On Investment—How Does The Strategic Coach Program Pay Off?
 
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www.strategiccoach.com Before hiring a small business coach or joining any entrepreneurial coaching program, business owners want to know, "How much more will I make back over the cost for this coaching?" We asked our program participants what the return on their investment with Strategic Coach has been, and here are some of the most common things we heard back. "As entrepreneurs, we typically have large ambitions, and desires, and hopes and dreams, and [Strategic Coach] really helps to reverse engineer it so that you can make it happen, make it achievable."—Scott Creed, entrepreneur and Strategic Coach participant. If you're ready to make the investment for bigger business revenue and profits and a more satisfying life, there's no time like the present. Call 1.800.387.3206 from anywhere in North America, 0800 051 6413 from the UK, or 416.531.7399 locally and outside of North America.
Views: 2173 Strategic Coach
Mortgage Information : How Soon Can a Mortgage Company Foreclose?
 
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A mortgage company can foreclose as soon as 30 days after the account is past due, but most mortgage companies will wait up to 90 days to begin the foreclosure process. Learn more about foreclosures by a mortgage company with advice from an experienced mortgage broker in this free video on personal finance. Expert: Matthew McKillen Contact: www.innovativefg.com Bio: Matthew McKillen has more than 21 years of industry experience in arranging loans for his clients. Filmmaker: Christopher Rokosz
Views: 72 ehowfinance
"Palm Beach short sales" - Top 3 tips for buying a short sale right now
 
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In this video, Todd and Diana with Home Property Management Company in Palm Beach provide top long term strategy tips for investors who want to buy foreclosure and short sale property in the Palm Beach area. All things being equal, purchasing a foreclosure and short sales property will cost less than a regular home on the market. However, it takes experience to walk through available properties and select the right unit that will turn into profit as a long term strategy. What must an investor know if they're using this investment as a long term strategy? Short Sales Take Time and Patience With short sales, you want to be able to find the right house whether it be a rental or a purchase. The most important thing is you must have patience; this is not a quick process. A short sale is still owned by the homeowner, who owes more on the mortgage than the home is worth. Therefore, with short sales, you have be confident that the 3rd party (the bank) is going to give you the price they want and when they want to close. The name "short sale" can be deceiving as these deals can drag on for months. Whether an investor has cash or needs to get a mortgage, it doesn't really matter in a short sale. Entering the Federal Home Administration [FHA] program might help the buyer and seller by speeding up the short sale process, but it still will take awhile. Foreclosures Have Advantages On the other hand, purchasing a home in foreclosure can be an easier transaction because the bank just wants to get rid of the home. It may be useful to have cash. An investor can negotiate closing costs and price in foreclosure sales as compared to short sales. The Advantage of Having the Same People Buying and Managing Problems and surprises can arise when two different people are handling the buying and managing of a short sale or foreclosure purchase. It makes sense to have one professional to handle both the buying and managing of the property. Home Property Management in Palm Beach understands the rental market and can guide you on what rental value such a property will fetch or if it is even worth buying such a property. These "Palm Beach short sales" property managers have their thumb on the pulse of the rental market and can accurately tell you what needs to be done to make a property marketable and even what amount of rent you can expect to collect. Put together a plan for the strategies you will use when buying foreclosure or short sales property and be prepared to act when you locate a great piece of real estate.
Big Banks' Second Mortgage Foreclosure Game
 
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"In January, federal regulators announced an $8.5 billion agreement with 10 mortgage servicers to settle claims of foreclosure abuses, including bungled loan modifications and the wrongful evictions of borrowers who were either current on their payments or making reduced monthly payments."* Can big banks oversee themselves? Well, if the second-mortgage foreclosure shell game they're playing with homebuyers is any indication...no. How does this shell game work, and why do big banks keep winning? Cenk Uygur breaks it down. *Read more from Elizabeth M. Lynch/ New York Times: http://www.nytimes.com/2013/02/18/opinion/the-second-mortgage-shell-game.html Support The Young Turks by Subscribing http://www.youtube.com/user/theyoungturks Like Us on Facebook: Follow Us on Twitter: http://www.twitter.com/theyoungturks Buy TYT Merch: http://theyoungturks.spreadshirt.com/
Views: 24276 The Young Turks
Upside-down Loan Mortgage Refinance Presentation - Principal Reduction
 
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The ShredShack was created to help spread the word regarding the Only REAL help available to those with mortgages underwater or upside-down. Tired of talking to countless Bank representatives, State Departments, private non-profit companies, and Attorneys who all talk about modifying only the conditions of your loan, but not the Principal Balance / Loan Amount??? Tired of these representatives asking that you fill-out countless amounts of forms, only to asked months later that you to fill even more forms? Tired of no one REALLY helping with regard to a REAL aggressive solution such as fixing the LARGEST issue at hand -- your mortgage Principal Reduction on the Balance?? Look no further. Upon qualification, you can experience True solutions that will modify Term, Conditions, and effectively write an entirely new mortgage for you. The Shred Shack is the Leader as we exercise the only technique currently available within the U.S. to offer such a result. The TRUTH is that the banks have already been bailed out by the tax payer (you), so they have very little incentive to behave in a way that will offer you real aggressive assistance. I'm sure youve discovered this notion to be simply insult to an already very deep injury. AND WE AGREE. What we offer is actually not a modification at all, but a re-finance option that will not only change your conditions and overall balance, but write a brand new mortgage for your property. Best of all, you have nothing to loose, as we do all the negotiating, all the internal paperwork, all the processing, and charge you NOTHING upfront while we work for you. All you pay are the closing costs. :D Best - Best of all, we do not commit to working on this plan on your behalf unless we believe we can close your new mortgage allowing you the security and piece-of-mind that all you will owe on the new mortgage is a new principal balance of 5% LESS than current Market Value for your property! :D Yes, you heard right, well structure this so you gain equity! :D Join me for my live radio show or view my video clips for copies of prerecorded shows as well as presentations regarding this amazing opportunity. e-mail me here for more info and to apply online! InLiberty! Ricardo Great site: !! What Would the Founders Do? - WWFD InLiberty.com
Views: 2812 ShredShack
How to Stop Foreclosure Dallas TX  |   214-702-2022   |   Stop Foreclosure Dallas TX
 
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www.kimbuyshouses.com How to Stop Foreclosure Dallas TX‬. Call Now For a FREE No Obligation consultation to see how we can help! 214-702-2022 .https://youtu.be/Ue0b1fuWCDM How to stop foreclosure Dallas TX‬. Educating yourself is key to understanding the process, finding resources to help you, and knowing some different solutions out of foreclosure. The key is to take action rather than sitting back and waiting for someone to come rescue you. Homeowners default on their mortgages for a variety of reasons but the most common ones are: • divorce • sudden unemployment • death in the family • the inability to pay an adjustable interest rate that increases Do not be embarrassed, ashamed, or think you’ll just pay extra next month. One missed payment is all it takes to signal the lender that there might be a problem. Here are some possible resolutions your lender might consider: 1. Forebearance – Lenders might consider giving you extra time before taking legal action to work out a payment plan that you can afford. 2. Repayment Plan – This option adds a small amount to your current monthly payments for a specified period of time until the amount of the missed payment is collected. 3. Note Modification – Your lender might consider making changes to the conditions of the loan, such as freezing the interest rate for an adjustable mortgage or extending the length of the loan. 4. Partial Claim – Some government loans can be used to pay back missed mortgage payments but there are certain lending criteria to meet. 5. Debt Forgiveness – If you can develop a plan to be current with your loan after this missed payment, your lender might forgive or waive this missed payment. Keep in mind, however, that this option rarely happens. The key to getting great results with your lender is to work with a qualified team with experience in working with the banks to help home owners out of their situation. Our company has helped many home owners in situations just like yours work with the bank to get great results... and the good thing is that it doesn't cost you a thing at all :-) Understanding the Foreclosure Process Pre-Foreclosure is the preliminary stage of the foreclosure process before legal filings are made by the lender. The actual foreclosure process begins when the lender files a Notice of Default. This is a filing in the public records that indicates where the home is located and it indicates that the homeowner is behind in payments and the home might possibly be seized. In some states the notice is also placed on the front window of the home itself. Each state is different in terms of how quickly a Notice of Default is filed. Generally, lenders will wait 60 days from the date of the missed payment before filing. During this time you can certainly work with them to make up the payments or find another resolution. After the filing, the lenders must generally wait 90 days before selling or auctioning the property. During this respite you can still work with your lender or maybe find another source of income to help make up the back payments. After this 90 day period, notice runs in the newspaper for upwards of 20 days alerting the public to the possibility that the home will be available for sale or auction. Once the home has been auctioned off, the previous tenants are required to move out unless a rental agreement has been made between the new owners and the previous owners. Ways to Stop a Foreclosure 1. Sell Your Home – Speak with experienced real estate agents who are familiar with the home prices in your area so you can get an accurate market analysis. 2. Will Your Lender Consider a Short Sale – If your home is worth less than what you owe on the loan, you might be a candidate for a short sale. 3. Sign a Deed-in-Lieu of Foreclosure – This essentially means the homeowner is signing the deed to the home back to the lender, thus closing out the loan and stopping foreclosure proceedings. 4. Chapter 13 Bankruptcy – If these other avenues fail to stop the foreclosure, homeowners can file Chapter 13 bankruptcy which legally puts a stay on the foreclosure. Want Us To Help You Review Your Situation? To Lay Out ALL Of Your Options? Contact Us Today at: 214-702-2022 Related tags: SELL MY HOUSE FAST DALLAS TX SELL YOUR HOUSE FAST DALLAS TX SELL HOUSE FOR CASH DALLAS TX SELL HOUSE QUICKLY DALLAS TX CASH FOR HOUSES DALLAS TX FAIR CASH OFFER DALLAS TX WE BUY HOUSES DALLAS TX I BUY HOUSES FAST DALLAS TX STOP FORECLOSURE DALLAS TX HOW TO STOP FORECLOSURE DALLAS TX HELP TO SELL MY HOUSE DALLAS TX
Views: 4386 Kim Buys Houses
19. History of the Mortgage Market: A Personal Narrative
 
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Financial Theory (ECON 251) Professor Geanakoplos explains how, as a mathematical economist, he became interested in the practical world of mortgage securities, and how he became the Head of Fixed Income Securities at Kidder Peabody, and then one of six founding partners of Ellington Capital Management. During that time Kidder Peabody became the biggest issuer of collateralized mortgage obligations, and Ellington became the biggest mortgage hedge fund. He describes securitization and trenching of mortgage pools, the role of investment banks and hedge funds, and the evolution of the prime and subprime mortgage markets. He also discusses agent based models of prepayments in the mortgage market. 00:00 - Chapter 1. Fannie Mae, Freddie Mac, and the Mortgage Securities Market 17:01 - Chapter 2. Collateralized Mortgage Obligations 22:44 - Chapter 3. Modeling Prepayment Tendencies at Kidder Peabody 35:40 - Chapter 4. The Rise of Ellington Capital Management and the Role of Hedge Funds 52:52 - Chapter 5. The Leverage Cycle and the Subprime Mortgage Market 01:13:51 - Chapter 6. The Credit Default Swap 01:18:36 - Chapter 7. Conclusion Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses This course was recorded in Fall 2010.
Views: 17986 YaleCourses
New: Late Show - Sen. Barack Obama
 
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Late Show - Sen. Barack Obama WASHINGTON Nervously eyeing the markets' next trading session, congressional Democrats and Republican senators pushed for an agreement Saturday on a multibillion dollar bailout for the financial sector. House Republicans said they would not be stampeded into accepting an unwise rescue. But in a sign of possible progress, the House Rules Committee began drafting guidelines for a debate and vote that could take place as early as Sunday, which would send the bill to the Senate for final passage on Monday. President Bush, seeking swift action, sent Treasury Secretary Henry Paulson back to the Capitol, where lawmakers were working through the weekend. Presidential politics again played a role in the bargaining. Republican John McCain and Democrat Barack Obama called key negotiators and portrayed themselves as helping without getting directly involved in the talks. "The goal is to come up with a final agreement by tomorrow," said Senate Majority Leader Harry Reid, D-Nev. "We may not be able to do that, but we're trying very hard." He said he hoped for an announcement by 6 p.m. EDT Sunday, just hours before the Asian markets reopen for the week. "Everybody is waiting for this thing to tip a little bit too far," he said, so "we may not have another day." House Speaker Nancy Pelosi, D-Calif., said an announcement might come as early as Saturday night. But House Republican leaders, who have resisted some elements of the Bush administration's proposal, seemed less certain. "There are a lot of issues still on the table," House Minority Leader John Boehner, R-Ohio, told reporters at midafternoon, just as lawmakers entered the first negotiating session that involved senators and House members, not just staff members. "We should not be bailing out Wall Street on the backs of American taxpayers," he said. Earlier, Bush expressed confidence that lawmakers soon would approve a rescue plan. He acknowledged that many Americans are frustrated and angry that up to $700 billion in tax dollars may be needed to cover Wall Street firms' mistakes. The president spoke with Paulson, McCain and other Republican lawmakers during the day, said White House spokesman Tony Fratto. The bailout is intended to rescue bankers from bad loans that threaten to derail the economy and plunge the country into a long depression. Some lawmakers likened the situation to a major car wreck that has backed up traffic — credit, in this case — for miles. The rescue is meant to remove the wreckage so credit can start moving to borrowers again, they said. Many House Republicans object to several parts of the administration's approach. Negotiators sought to accommodate enough of their demands to entice a reasonable number them to back the eventual plan, which is nearly certain to be unpopular with many voters. Democrats and administration officials said they were willing to include House Republicans' idea of having the government insure distressed mortgage-backed securities — but only as an option, not a replacement for the broader idea of buying those toxic securities. "There may be a way in which that could be accommodated as part of the toolbox" available to the Treasury Department, said Sen. John Thune, R-S.D. "As a practical matter, that can't be the engine that drives this bill," he said. It was unclear whether House Republicans would accept those terms. Negotiators also discussed phasing in the program's costs. For example, after the first $350 billion is made available, Congress could try to block later amounts, which could total an additional $350 billion, if it believed the program was not working. The president presumably could veto such a move, however, requiring extra large margins in the House and Senate to override. Differences remained on how to limit compensation to executives of corporations that would be covered by the rescue plan. Whatever emerges "is not the proposal that we got from Secretary Paulson," Reid said. But lawmakers said it would be much closer to Paulson's original plan than to the alternative offered by House Republicans several days ago. McCain, who flew to Washington after Friday night's presidential debate in Mississippi, spent part of Saturday working the phones and "helping out as he can," aide Mark Salter said. But McCain did not enter the Capitol, where his colleagues were voting on a $634 billion spending bill that ended a ban on drilling off the Atlantic and Pacific coasts, and sent billions of dollars to the military. McCain supports such measures. But the vote would have been difficult for him because the bill also included more than 2,000 pet spending projects worth more than $6 billion. That is the kind of pork barrel spending that McCain has pledged to end. Obama campaigned in North Carolina and Virginia. Aides said he placed calls to Paulson, Reid and a key House member to keep tabs on the finance negotiations.
Views: 7944 YesTheLastEagle