Bank of America Short Sale Programs
1. Preapproved Price Programs
2. FHA short sale
3. HELOC short sale
4. VA short sale
Author: www.kjhomefinder.com
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ABOUT KJHOMEFINDER
Key Concepts has a proven success rate helping troubled homeowners avoid forclosure. We have combined experience with knowledge to develop a signature short sale system proven to stop foreclosure in Colorado. Learn more about Denver Short Sales and how we can help!
We are experienced REALT®RS who know how to handle equity deficient properties by working with mortgage lenders to help you short sale your current mortgage and avoid foreclosure. We have experience in assisting distressed Homeowners as well as mortgage servicers in preventing foreclosure. We know short sales and can help you through the process.
Expert Short Sale Strategies on equity deficient properties- avoid forclosure today!
We Help With it All– HOA Liens, personal liens and judgments, code violations, IRS and Tax liens.
No Upfront Costs– We don’t get paid unless we close -sellers do not pay Realtor commissions on short sale transactions
National Mortgage Settlement
National Mortgage Settlement
After many Years of negotiation, 49 state attorneys general and the federal government have reached agreement on a historic joint state-federal settlement with the country’s five largest loan servicers: Ally/GMAC, Bank of America, Citi, JPMorgan Chase, and Wells Fargo. This bipartisan settlement will provide as much as $25 billion in: relief to distressed borrowers in the states who signed on to the settlement and direct payments to signing states and the federal government.
Servicers: Ally/GMAC, Bank of America,Citi, JPMorgan Chase, and Wells Fargo- 49 States to excluding Oklahoma.
Who do I contact to determine if I am eligible under the National Mortgage Servicing Settlement?
For Help Call or Contact the Following:
Ally/GMAC: 800-766-4622
Bank of America: 877-488-7814 or Rust Consulting (1-888-952-9105)
Citi: 866-272-4749
JPMorgan Chase: 866-372-6901
Wells Fargo: 800-288-3212
State Attorneys General
Conference of State Bank Supervisors
United States Department of Justice
U.S. Department of Housing and Urban Development
Further information concerning the settlement is available here:
http://www.nationalmortgagesettlement.com/help
http://www.nationalmortgagesettlement.com
http://www.irs.gov/pub/irs-drop/rr-14-02.pdf JPMorgan Chase $20 Billion
OCWEN TO PROVIDE $2BILLION IN RELIEF TO HOMEOWNERS FOR SERVICING WRONGS
Ocwen By The Numbers
- 1st: Ocwen´s position among nonbanks in the mortgageservicing market.
- 4th: Ocwen´s position in the overall mortgage servicingmarket.
- 185,000: Estimatednumber of consumers who lost their homes to foreclosure while being serviced by
Ocwen, Homeward ResidentialHoldings, or Litton Loan Servicing, from Jan. 1, 2009 to Dec. 31, 2012.
- $2 billion: AmountOcwen must provide in principal reduction to underwater customers.
- $125 million: AmountOcwen must refund to consumers who were foreclosed on.
- $2.3 million: AmountOcwen must pay to administer the refunds to consumers.
Independent foreclosure Review- 13 Mortgage Servicers
As you may recall, the Independent ForeclosureReview is part of the settlement associated with the robo-signingdebacle of 2010 (title my own). As part of this review, thirteenmortgage servicers and their affiliates identified customers who were part of aforeclosure action on their primary residence during the period of January 1,2009 to December 31, 2010.
Justice Department Goes After BofA for $13 Billion
- Ally/GMAC: 800-766-4622
- Bank of America: 877-488-7814
- Citi: 866-272-4749
- JPMorgan Chase: 866-372-6901
- Wells Fargo: 800-288-3212
Settle in the next month June 30th 2014 deadline
JusticeDepartment Goes After BofA for $13 Billion
Other Alternatives: Obama Administration Homeowner Assistance Programs: Obama has directed HUD and the US Department of Treasury to stop the foreclosure crisis by implementing several foreclosure avoidance programs through joint department efforts like the Making Home Affordable programs. Other eentitlement programs are:
1. HAMP (Home Affordable Modification Program)
2. PRA (Principal Reduction Alternative)
3. 2MP (Second Lien Modification Program)
4. HARP (Home Affordable Refinance Program)
5. FHA2LP (Treasury / FHA Second Lien Program)
6. UP (Home Affordable Unemployment Program)
7. EHLP (Emergency Homeowner’s Loan Program)
8. FHA Forbearance
9. HECM (Home Equity Conversion Mortgage)
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Colorado Senator Sponsors SAVE Act
Just Me~Toothless in Colorado – usually very non-political is JUST SAYING! I am not going to renew my Health Insurance Says in April~
Kelli jo after is stepping out to avail her stolen, teeth, $200k. Medical expenses, hearing loss, cost of dentures/appliances at age 32. All lost because she had health coverage and was traded and prodded until she almost died. She is warning the public *think twice* about trusting in medical care opinions from stranger-doctors (not a family Dr, etc.) in the ER. This is just an opinion of value (that you will bring to them/hospital/funding-not you as a person or situation. The health/sick care systems are more like those who flood a home to collect on the insurance benefits. Health insurance that may not help the policy holder because they do not meet a standard of care i.e- or standard of profits (They weigh you on job, age, census data, and place/city/zip where care is to be provided and….. WAIT FOR IT!!! Does she have insurance and if not. What is her likely-hood to payoff medical expenses through her lifetime?
I WAS IN AN ACCIDENT…. an accident that ended in a head injury and loss of tooth and parts of tooth– followed by a botched up medical mix-up that resulted in a dentist mixing up medical orders, emotionally overturning patient while primary dentist was on vacation. Dentist literally forced and gagged patient and while patient was conscious in the chair. Dentist decided that we would pull out 3 additional teeth from a fractured face- only 18 short days from an accident falling down over 15 concrete stairs. A 1990’s used dental pin was extracted from a male patient of the dentist where he then (while flirting with the nurses drilled through my nose and into my cheekbone. I was in the movie “Hostile” for real! as I lay in wake with him literally reached my fractured face out my my mouth- the force he applied has traumatized me for life… the payout to him with care credit- to me my deductible was $5000 while he took my life, my career, my beloved, and my hard earned money away one tooth at a time.
The insurance is a separate issue entirely and– I think… not the problem! It’s the Overpaid Dr. God’s/ um?? Professionals??- Who is looking to you, Kelli Jo (me as third person) to fund his next TROPICAL vacation- next week. Its okay though if he leaves state or COUNTRY- because back at the ranch-hospital he has HIS … LITTLE dry’s in-training working the “elves in the toy-shop” like slaves. Your benefits are lessons in and substituting ethics for money $$$, substituting talent/and/scholarships for gambling (at your expense, professional standards for “as-is used parts- NO WARRANTIES!!
His/Her (The “What’s Up Doc” ) is just the minimum requirements and the stands-adds of CARE (Who cares?” within the Zip Code of the office location— Even if the Zip Close is where the Dr. down the street was just edited for re-using hypodermic needles for 17 plus years. The health insurance premiums are perks and make more sense this “who’s bottom line”?? if after the “DEDUCTABLE” that you pay out-of-pocket (large or small) is offset with multi-person use for each $3 dollar needle. Another way is keep the minimum standard of “care-not” by hiring only underpaid workers at entry-level pay with $0.05 pay increase per year (+ medical bennies for all included = exchanging time a work $4$. The medical benefits are like wining a million dollar lottery, but finding out that are 2 million other lottery winners in line, you know? Kind of like pouring rain on your wedding day)! ~Sing it!
Time for paper for the “lay-people”- lay around the ER and wait… while the rest of us work our lives away- YES!! So if you make less than $250k per year and have pay for Health Care- DON’T DO IT!!! Why get sold off based on a price per-doc analysis- factored with your ability to pay after “SERVICES ARE RENDERED”?? Yes, that can be constructed as “standard of CARE”. If you are not insured then they have to ask you what you would like to do-and present you with options- and different opinions.
No Care- Better Health! You + Injury/Illness – minus- the actual costs the accrue to “care for you” = asking you instead of scaring/rushing/lies to you. INFORMED CONSENT can me you help in Categorizing your “health and needs” before consenting. You know the best intuitively- Medical/Care or Health Care? They don’t know your best options tomorrow or next year- the only rely on the system that nets your sum total to the institution/greedy doctors/businessmen?? Trading your options you your policy paying like dividends – like an annuity or investment market.
Me- usually very non-political is JUST SAYING! I am not going to renew my Health Insurance Says in April~Toothless in Colorado
Pre Listing Listing Sheet
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paragon mortgage services
I heart radio- Kelli is stepping out for medical decisions made by people- not md dr.’s
http://windowsteamblog.com/blogs/windowslive/default.aspx
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What makes a successful speaker in English?
I think the student must be force to speak in the firs step.Next It’s time to enjoy speaking.As they like to speak,it’s time for speek.
- Author:
- Elaheh Heidari
- Date:
- 15-Sep-2011
- Location:
- Say Anything
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- 0
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- 15-Sep-2011
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efl elt classroom learning speaking methodology language techniques skills
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Re: Reading for Writing. Invitation.
of the learning is unconscious, non-structured learning. They learn that stories have beginnings … , but by what they do, what they say and how they speak. Characters are also revealed by what other … learning aims for every lesson. Stephen Krashen annoyed many teachers by his belief that acquisition was more important than learning from a teacher. Although not expressed in these terms, Krashen
- Author:
- Nick Dawson
- Date:
- 03-Jun-2010
- Location:
- Say Anything
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- 0
- Latest activity:
- 03-Jun-2010
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writing reading books fiction good_models non-fiction literary reading_into_writing
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How do you cope with Teacher fatigue?
doing? Excessive teacher spotlight suggests an unbalanced lesson for students. You speak of “active” and “passive” ESL activities. It might be better to speak of “intensive” and “extensive”. “Intensive learning” is usually structured learning using a structure planned by the teacher. “Extensive learning” is usually less structured and any structure is chosen by the learners. Because
- Author:
- Dawson
- Date:
- 08-Jan-2012
- Location:
- Say Anything
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- 0
- Latest activity:
- 08-Jan-2012
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At what age should children start learning English?
I have been working with young learners for several years now. The youngest kids were 3 years old. Most of them were quite goot at remembering words and making simple phrases in English. Sometimes there are problems if the kids don’t speak their native language very well. But generally I think that 4 is a very good age!… for a start))
- Author:
- Julia Andreeva
- Date:
- 19-Apr-2010
- Location:
- Young learners
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- 19-Apr-2010
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age
Colorado Home and Auto Logo
The Reverse Mortgage (HECM) Inherited
First the the potential to be “bad”. “Probate or Reprobate? Reverse Mortgages- is your inheritance in FORECLOSURE??
Continued from How to Handle an Inherited Reverse Mortgage good or bad on Coloradosbest.tv with Paula Haddock.
The upside of the HECM planning. The potential pitfalls of the Reverse Mortgages Inherited followed by t
Many people who have inherited a home with an HECM have been happy with the results, but… some have not. The Maturity Rate aka “Due on Death Clause” can put some unsuspected heirs in foreclosure/trustee/probate, etc. While some people say they could not have cared well enough for their elders in any other way (financially)- others say they are left in the dark-side of “reverse mortgage foreclosure limbo”.
Statistics show that a majority of our people (meaning us) are more afraid of running out of money than dying *AARP. In terms of long-term healthcare coupled with an HECM one should also seek a good financial plan/planner and/or an attorney who specializes in Estates, Wills, and Trusts. In all cases seek an to find a “single-point ” (or points) representative for the real real estate connected with a HECM or Reverse Mortgage. Early planning for the disposition of Real Property at the “Origination of the Reverse Mortgage” can help with the high costs of some may inherit in regards to Property Maintenance, Taxes, County Violations and Vacant Property Insurance , etc. “NO CLOSURE COULD MEAN A FORECLOSURE”. This pertains only to the Residential Property of the estate, so other estate planning is essential. Reverse Mortgage and often times these homes have equity- so lengthy disputes could cost valuable time! A “Personal Representative” can help with the acceleration clauses within the mortgage deed of trust of the HECM- Oftentimes there will be as a rider connected to the title or deed depending on the State in which the property is located. This is similar to a NED (Demand Notice) in terms of regular foreclosure filings. A qualified, Legal Advisor, Title Officer, Real Estate Broker or Tax Professional can help obtain these for you. A qualified Mortgage Loan Originator can help explain the terms to you and your “loved ones” as well.
*HECM (Home Equity Conversion Mortgage)
Looking for more information on Reverse Mortgage? Call Susan Oberbillig
Susan M. Oberbillig
President, Paragon Mortgage Services, Inc.
Colorado Mortgage Loan Originator License #: LMB100016681, NMLS ID#50785
California Mortgage Loan Originator License/Registration #: CA-DOC50785
Florida Mortgage Loan Originator License/Registration #: LO2082
Idaho Mortgage Loan Originator License/Registration #: MLO-4775
Utah -DRE Principal Lending Manager License/Registration #: 62176
Susan M. Oberbillig, President, Licensed MLO, NMLS ID#50785
9200 East Panorama Circle
Lobby Suite 170
Greenwood Village, CO 80112-3491
Phone: (303) 727-2407
Fax: (303) 727-2400
E-mail: susan@paragon-loans.com
President
Paragon Mortgage Services Inc
National NMLS ID# 50785
CO Licensed Mortgage Broker: LMB100016681
9200 East Panorama Circle Suite 170
Greenwood Village, CO 80112
* http://www.hud.gov HUD OMB 2505-0586, 2502-0524
Short Sales of Colorado 
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