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Arizona (AZ) Loan Modification – How to Hasten the Processing

Thursday, 12 March 2009 | Administrator

AZ loan modification can now be easily accessed after a huge financial bailout package has been approved by the federal government. Therefore, if home foreclosure is staring right at your face, you...
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Personal, US debt must be confronted

Monday, 21 April 2008 | Administrator

By Susan Ann DarleyWhat's going on? This is America the land of plenty. And plenty there is - plenty of debt. In-fact, there are oodles and oodles of it. The average American family has over...
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Change in foreclosure and loan modification programs
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Written by Administrator   
Wednesday, 21 January 2009

For minorities in America today comes with a great sense of hope and change. Change in race relations, discrimination and equality for all Americans. President Barack Obama represents a change in American politics never believed possible, a change that is to late for many minorities facing foreclosure in America today.

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Last Updated ( Wednesday, 21 January 2009 )
 
U.S. consumer credit debt falls
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Written by Administrator   
Monday, 12 January 2009

Pacific Business News (Honolulu)

Consumer revolving credit in the United States, namely credit card debt, fell in November for the first time in 2008 as a result of reduced personal income, lower credit limits and higher credit card interest rates, according to the Federal Reserve.

Revolving credit in November stood at approximately $973.5 billion and was falling at a 3.4 percent annual rate.

Bank credit card debt, except from credit cards from gas stations and stores, comprised 85 percent of total revolving credit, or $830 billion.

Meantime, CardTrak.com, which tracks card and payment trends in the U.S., reported that many of the large bank issuers are turning away from direct mail card offers and are starting to offer 0 percent balance transfer offers on fixed-rate cards.

Bank of America, Chase, CitiGroup, Capital One and American Express all offer fixed-rate cards with 0 percent promotional rates on balance transfers.

The interest rates on new purchases are as low as the prime rate, plus 2.99 percent or 3.49 percent, said CardTrak.

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Debt Settlement & Foreclosure
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Written by Administrator   
Saturday, 27 September 2008
Debt settlement is a growing option for consumers wanting a fresh start. It is also a good option for homeowners just coming out of foreclosure or setting up a mortgage modification. Why?
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Want credit?
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Written by Administrator   
Friday, 26 September 2008

Buying anything that requires credit is harder than it used to be. Banks who used to send credit card and mortgage refinancing solicitations on an almost daily basis have ratcheted up their lending standards, making borrowing more difficult for the most stalwart of consumers.

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Washington Mutual Fails
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Written by Administrator   
Friday, 26 September 2008

By MADLEN READ, AP Business Writer 

NEW YORK - As the debate over a $700 billion bank bailout rages on in Washington, one of the nation's largest banks — Washington Mutual Inc. — has collapsed under the weight of its enormous bad bets on the mortgage market.

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Results 7 - 12 of 33
Chris Timmons - EzineArticles Expert
  • Foreclosure Process - How it Works
    Knowing the foreclosure process could be the deciding factor in keeping your home. Here we outline the basic foreclosure process, but knowing your local and state foreclosure laws are very important for homeowners facing foreclosure.
  • Depression From Foreclosure Debt
    Recent studies have shown that people sink into emotional and mental health problems in times of recession. When a person is about to lose his or her home, foreclosure depression, migraines, stomach pains, and stress are sure to follow. In fact, the number of people who are committing suicide has steadily risen over the past few months after the housing market went bust.
  • Negotiate My Mortgage
    Negotiating new mortgage terms when faced with foreclosure is called loan modification. Loan modification allows homeowners one shot at getting a mortgage that fits their current financial situation.
  • Loan Modification Companies - Helping People Avoid Foreclosure
    When facing foreclosure you have a few options, from short sale to loan modification. If you choose loan modification then it is best you seek help from a qualified loan modification company or attorney.
  • Government Mortgage Relief Plan
    Nationwide news channels are filled with reports on the Obama stimulus plan and focused mostly on the 75 billion allocated by Obama's administration for Mortgage Relief. Obama's plan focuses on keeping up to 9 million people from foreclosure. Helping these homeowners avoid foreclosure is vital to stabilizing home prices and ultimately the economy.
  • Foreclosure Refinance - A Key to Keeping Your Home
    It is not the end of the world when you receive a notice of foreclosure from your lender. Although it would have been a lot better if you already contacted your bank or applied for loan modification even before you were served such a notice, there are still things you can do, such as apply for foreclosure refinance, in order to avert losing your property or home.
  • Loan Modifications - A Great Help in Fighting For Your Home
    Facing home foreclosure does not have to end in losing your home. Loan modification by a loan modification can stop foreclosure and arm you with the tools to fight foreclosure.
  • Leverage in Avoiding Foreclosure
    Loan modification can save your home from being foreclosed by the bank or lender. Here, you can request that the interest rate on your loan be changed into one that is more affordable to you or you can also petition to extend the term of your mortgage. In some loan modification programs, you can even apply for a change in the balance of your loan's principal.
  • 3 Types of Foreclosure Assistance Programs
    Everyone knows someone in foreclosure, knowing how to help them is another story. Here are 3 common foreclosure assistance programs.
  • Mortgage Modification - Importance of Correctly Filling Out Forms
    Due to the financial crisis that is gripping the country, millions of families have already lost their homes to foreclosures. Even if you are struggling to keep your home loan payments, you do not have to be one of the people whose homes have been foreclosed. With mortgage modification, there is still a way for you to save your property and spare your children and family from experiencing eviction and being rooted out of the neighborhood that they have grown to love and care.
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