We Buy Houses Blog, REO, Stop Foreclosure Home Loan Modifications Blog

www.KucanAndClark.com. We help Homeowners, investors and relators stop and avoid foreclosure in San Diego. Whether you are considering Loan Modification, Bankruptcy, or a Short Sale, we can help. No matter your situation or location or type of property you have, even if it needs repairs or it’s upsidedown, you can count on us to give you your best options for stopping foreclosure in San Diego. We never charge a fee and working with us is always free. We are cash buyers, will negotiate with your bank, meet the BPO, and take care of escrow and title as well. We also pay a $1000 referral fee if you know of anyone in foreclosure that we help. Visit us at www.StopForeclosureInSanDiegoNow.com

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Stop Foreclosure http://www.consumerdefenseprograms.com/a Foreclosure expert, Corey Vandenberg explains what is foreclosure.

“One of the most common questions that I get about foreclosure or stopping foreclosure is people want to know really, in its essence, what is it? What is foreclosure? I’m going to try and make this simple for you so that you really get the understanding of what is happening. When you signed a loan agreement with a bank, and there’s two types of foreclosures that can happen in the United States, there’s what we call a trust deed state and there’s what we call a mortgage state, and depending on which state you live in is what’s going to determine how those foreclosures happen, like what the procedures are, and the rules and what not.

Here’s the best way I’ve ever come up with to explain a foreclosure. The common misconception is that a foreclosure is the bank taking your house. The reality is, if you’re familiar with a word, by proxy, or what it means to do something by proxy, that is actually what is happening in a foreclosure. What’s happening is, you signed an agreement when you took out a loan that said that in the event that I don’t live up to the terms of this agreement, then I grant specific legal power to the lender or their trustee to go ahead and sell my house, as me, by proxy. When they’re standing up on the courthouse steps auctioning a home, they are actually doing that under the home owners’ authority on behalf of the home owner. It’s you selling your house to satisfy the debt of obligation that exists because of the mortgage. It’s not the bank selling your house, it’s you selling your house, really. This process, like I said, can happen two different ways, depending on which type of state you’re in, whether it’s a mortgage state or a trustee state. This is a very important distinction. In a mortgage state, what’s essentially happening is there is a lawsuit being filed where there’s a contract that exists which is your loan agreement and the bank is saying in the court systems, “Look, we’ve got this contact here, and under the terms, they’ve defaulted, or we’re alleging they defaulted, and we want permission from the courts to satisfy the contract according to the terms and be able to recover any damages,” which is pretty typical of any type of lawsuit.

A trustee state is very different. A trustee state, kind of acts on the theory that everything’s already been worked out in the contract, there’s no need to go to court and enforce the contract, it’s here, it’s plain, it’s written on the face of the document, we can follow it. As long as the bank follows the rules in that state, then they’re legally allowed to just go ahead and proceed with the foreclosure according to those rules because it’s spelled out in your contract. Obviously I’m making this very simple, but that is the core essence of the difference of a trustee foreclose and a mortgage state foreclosure. As far as any other aspects of what foreclosure is by definition, those are the two most important things. What I would close with is that, a lot of times people feel like they either don’t have options or they don’t know what their options are in a foreclosure. Specifically, you almost always have the ability, up to a point, to bring the home current. Some of the other options that we’re going to talk about in other videos kick in when you don’t have the ability to bring it current. It’s a very big misconception people run into that they feel like now that I’ve fallen behind, I can’t even bring it current, and that’s absolutely no the case. That is very possible, I would say 99 percent of the time. Defining foreclosure, it’s really just a legal action where the lender is trying to recover the collateral, and they can do it one of the two ways we just talked about.”

For more information about Consumer Defense Programs and how to Stop Foreclosure, visit http://www.consumerdefenseprograms.com/a

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We Stop Foreclosure Canada is a service that provides help to potential foreclosure victims across Canada. We also have many other Canadian property solutions that can help solve any issues you and your family may have. For details and contact info, visit us at http://www.westopforeclosurecanada.ca

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We help homeowners who have been denied a loan modification, stop the foreclosure process. If you are in foreclosure, we specialize in stopping foreclosure. Our proven foreclosure defense strategies will help you accomplish your goals. Did you know that 97% of loan modifications and 60% of short sales are being denied by the lender? If you have questions we have answers!!! http://www.usaforeclosurehelpline.com

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Have you ever wondered why banks accept a short sale rather than foreclosing. This video will explain WHY the short sale is more attractive to the lender and YOU, the borrower!! Learn how to Stop Foreclosure with a Short Sale.

www.denverstopforeclosureblog.com

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www.KucanAndClark.com. We help Homeowners, investors and relators stop and avoid foreclosure in San Diego. Whether you are considering Loan Modification, Bankruptcy, or a Short Sale, we can help. No matter your situation or location or type of property you have, even if it needs repairs or it’s upsidedown, you can count on us to give you your best options for stopping foreclosure in San Diego. We never charge a fee and working with us is always free. We are cash buyers, will negotiate with your bank, meet the BPO, and take care of escrow and title as well. We also pay a $1000 referral fee if you know of anyone in foreclosure that we help. Visit us at www.StopForeclosureInSanDiegoNow.com

Duration : 0:5:58

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Discover up front as to whether or not you a candidate for a Loan Modification. Request a loan modification guide from Dan Hopper off his blog sites, denverloanmodhelp.com or denverstopforeclosureblog.com.
Do not waste your valuable time if you do not qualify for a loan mod. Stop foreclosure before it gets out of hand!

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How do I stop foreclosure on my home/shop? I live in a metal building and have 33 acres and have been unemployed over 1yr. My lender is calling the note in 18 days no one will lend to me because the building has more storage area2/3 than living1/3 will not meet requirements for home loan and if it did the property would be worth more than the home to get home loan.

You cannot unless you pay your loan in full and bring it up to date.

Learn how to stop foreclosure with the Stop Foreclosure Institute of Westminster and Denver. Loan modification, short sales, bankruptcy, 401ks, foreclosures are some of your options. What are you going to do?

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http://www.lawofficesofbrucerichardson.com/
Lenders knew or should have known substantial numbers of its subprime loans, especially absent prompt refinancing, would fail and result in foreclosure.

Nonetheless lenders made the loans to promptly package and sell to the secondary market. Predictably, as a result of these predatory loans, scores of borrowers across America now face foreclosure, and many have already lost their home and savings.

However, borrowers do have remedies to address their foreclosure related issues. The following is a list of some of the protections afforded homeowners under Federal and state law.

FEDERAL PROTECTIONS
- Truth in Lending Law
- The Home Ownership and Equity Protection Act of 1994
- The Real Estate Settlement Procedures Act – Federal Fair Housing Act
- Federal Equal Credit Opportunity Act – National Housing Act

STATE PROTECTIONS
- General Business Law (Deceptive Practices Act)
- Existing Anti-Predatory Lending Laws
- New Anti-Lending Laws enacted by State

NON LITIGATION OPTIONS
There are also options available other than other than litigating the foreclosure issues that can enable homeowners to keep their home. Such options are:

- Negotiate the loan repayment with the lender
- Short sale
- Refinance with a new Lender
- Seek reverse mortgage (if a client is a senior citizen
- Consider a Chapter 13 bankruptcy

Homeowners that act quickly have the best chance of being able to obtain remedies for their foreclosure related issue and ultimately save their home.

http://www.lawofficesofbrucerichardson.com/real-estate-law.html

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