Mortgage planner, Shanne Sleder takes you through the basics of how your credit score is built and how to improve it.

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Visit www.CreateRealEstateEquity.info or call 661-298-2104 for details today! This video is spefically about the short payoff or short payoff refinance solution that allows homeowners to keep their homes while significanlty reducing the principle balances on their loans. Principle balance reduction is not a game most lenders want to play as the greed that has been prevalent in the mortgage banking industry continues. Homeowners buried in their homes are upside down and delinquent and the short payoff solution in this video addresses this issue head on. The conventional short payoff refinance offered by banks are not as favorable as most lenders are not agreeing to these terms and borrowers are required to have stellar credit and no late mortgage payments. Many homeowners are looking at the loan modification alternative which may work well for some but for many will cause them long term economic hardship as they are handcuffed to their homes without the ability to sell or refinance for several years (even decades) to come. Visit http or call 661-298-2104 for details today!

realestatemarketingthisweek.com – Why a first time home buyer should work with a mortgage broker – Part 4 – You mentioned earlier that property values are up 71% long term, even though we had this 50% drop. Youre talking about the average 4% appreciation per year since 1992. Right, I did some calculations I was working on a book last year and one of these days I may get around to publishing it. Its called Real Estates Future and what we were looking at was a statistical model to be able to pick the top and the bottom of all the real estate markets. I hadnt looked at the thing for about a year until I was working with Michael the other day and I started pulling it out and going lets run the model and see where we are in regards to the market, and one of the things I looked at is the last time we saw the bottom of the market was when I was selling houses for the RTC and that was in 1992, the median home price was 000. Median home price now is 0000. That means from 1992 until now it went up 71%, thats after we just saw a 50% decline. So it is up 4% per year on average, and where else are you going to get a return like that? Even if you put 3.5% down on a house you are getting a heck of a lot more than a 4% return. If you look at the internal rate of return it is significantly greater. Right and dont buy a house because you are looking at a rate of return. If you are a first time home buyer and you can qualify for this program, if you have been living in an apartment …

Loan Modification Attorneys Negotiate Home Mortgage Bailout – Foreclosure Assistance Plan – Real Estate Foreclosure Prevention Alternative To Fraud and Scams. ModificationHotline.com Will Help You Survive The Mortgage Meltdown Crisis by Modifying Your Home Loan. Avoid Foreclosure and Bankruptcy. Get Your Bailout Today. At http You Can Claim Your FREE Copy of My Latest Report: “THE FORECLOSURE SHARKS: A Look At The Rampant Theft Of Americans’ Homes Through Foreclosure ‘Rescue’ Scams”, and While There Also Sign Up For a FREE Consultation With Our Approved Foreclosure Prevention Specialists. Go To ModificationHotline.com and Complete Our Easy Form – It Takes 2 Minutes and Can Help You Save Your Home. http

Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification & Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy & Insolvency. Go To RealEstateMarketingThisWeek.com Part 1 (Excerpt) Expert tax advice from a CPA regarding a real estate related issues Today’s show has a timely message. We have with us, an expert in the tax ramifications of the different types of mortgage situations that people find themselves in, we have brought in Mike Patenella, that I will introduce in just a moment, as well as Brett Fallon is back with us. Were going to be talking about the tax ramifications of short sales, foreclosures, and some of the different types of loan modifications. Now if you listen to our show regularly, of course you know, we have been over the last several weeks, talking about loan modifications, but we have been getting hundreds of e-mails and calls requesting more information on the loan modifications. There are also some interesting questions that people ask about whats going to happen in regard to taxes. Thats the one thing that so many people are not talking about. Well we need to talk about it. Its something that we need to bring to you that you can hear and thats what were going to focus the majority of today’s show on. Before I introduce Mike I need to introduce one of my very best friends and the best financial advisor I have ever known, Brett Fallon. Brett thanks for being on the show today. Brett also has some information in …

Down payment assistance can help determine how much house you can afford. Find out how in this video on buying a home.Expert: Brett Staggs Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks. Filmmaker: Dana Glover

Tax credit and flood update

Check out my new blog… mrmortgage.ml-implode.com S&P, BofA and Fitch all concur that the ‘Home Equity Implosion’ is knocking on, or kicking down rather, the front door.

… by the CHAPS! web.archive.org 209.85.129.104 Appraisers Petition 2002 Concerned Real Estate Appraisers from across America Submit the attached petition (Which was posted on appraisersforum.com): To: Mr. Ben Henson – Executive Director Appraisal Subcommittee (ASC) Federal Financial Institutions Examination Council email: benh1@asc.gov cc: Other state or federal agencies with authority in the following matter “The ASC’s mission is to ensure that real estate appraisers, who perform appraisals in real estate transactions that could expose the United States government to financial loss, are sufficiently trained and tested to assure competency and independent judgment according to uniform high professional standards and ethics.” From the ASC website. The concern of this petition has to do with our “independent judgment” in performing real estate appraisals. We, the undersigned, represent a large number of licensed and certified real estate appraisers in the United States, who seek your assistance in solving a problem facing us on a daily basis. Lenders (meaning any and all of the following: banks, savings and loans, mortgage brokers, credit unions and loan officers in general; not to mention real estate agents) have individuals within their ranks, who, as a normal course of business, apply pressure on appraisers to hit or exceed a predetermined value. This pressure comes in many forms and includes the following: the withholding of business if we refuse to inflate values …