Dariush , Donyaye in roozaye man, music video, credit SD.mov
August 2nd, 2010
Dariush’s new music video for the song “Donyaye In Roozaye Man” from his upcoming album
Duration : 0:4:53
Short Sale – Expert to Negotiate Loan Modification and Short Sale
August 2nd, 2010
http://realestatemarketingthisweek.com/short-sales/short-sale-and-loan-modification-make-sure-you-work-with-and-expert/ – Short Sale and Loan Modification; Make sure you Work with an Expert –
Part 2 – Were just going to go ahead if we could and just jump right into the short sale information. Jeri, again thank you so much for taking the time to be with us. What is the name of your firm?
Our group is Dream Vesting Group and our brokerage is Keller Williams Arizona Realty.
So that is great, licensed agents with Keller Williams and I know the two of you and I know of your history and we will talk a little bit more about that, but you have been working together for awhile. You and I had a chance to speak about the short sales and your success rate, very, very impressive proven results always helps. So the natural first question for those that are listening today. What is a short sale exactly?
A short sale is a property sale where the bank or lender agrees to accept less than what is owed to them. So the bank is agreeing to take a loss on the sale of your property, and I like what you said earlier about not trusting a loan modification or a short sale to just anybody, you definitely dont want to be the guinea pig and you dont want to approach the bank yourself and ask them to please take a loss because you need to sell your home.
And that is one of the things that is funny nowadays. I know people have seen them pop up all over the town, the ugly yellow bill boards all over the place. Advertising on the radio about loan modifications and they have 100% success rate, all kinds of these different things. The same thing with short sales, you actually have a process and you have a lot of experience doing it, you know the ins and the outs and this isnt a part time job this is a fulltime job.
Absolutely is a fulltime more than fulltime job, the last three Sundays I have been on the phones with lenders when they are open, one of them has a call center in India. I have been on the phone from 10 oclock at night until Midnight and again at 6am with the same lender trying to stop foreclosure.
Well that is good that you have the time, Take the time to do that. I am sorry that you have to work that many hours but you know Kalyn, is it not true that the sooner we get through all of these short sales and loan modifications the better off were all going to be anyway right?
Absolutely, a lot of people ask, what does it take? Who should be considering a short sale? If youre late on your mortgage currently, if your mortgage has adjusted, if you can no longer afford your monthly payment, if you foresee yourself not being able to afford your monthly payments, any of these instances plus several more, you should definitely be sitting down with someone and talking about your options which would be most likely a short sale or loan modification.
Yes the last thing anyone wants, and I mean anyone, is a foreclosure, that is the last resort. Nobody wants a foreclosure; you dont want it on your record, you dont want to have to deal with that. Its a very public event, a foreclosure is, the banks dont want you to foreclose and that is probably why they are so willing to work with you would you say? Absolutely the banks dont want the home back no matter what they tell you.
Exactly and on the loan modification side people try on their own to do this and its true that people can actually do a loan modification on their own but there are so many pitfalls and its just not something you want to try on your own. Surely you dont want to try a short sale on your own. So Jeri let me ask you this, what are some of the main objections?
The main objection that we hear from most of our clients is the cost to them, they already cant afford the payment on their mortgage or they wouldnt be in that particular situation 9 times out of 10 and so they are concerned about cost. Most people have already resigned themselves to the fact that they are losing their home and they dont want to spend any more money on it.
The good news is in a short sale you dont have to spend anymore money, all of the costs are absorbed by the bank. They agree to lose more money basically, so there is no realtor fees and the majority of the time we can negotiate an as is contract so if there are repairs that need to be made they dont come to you and ask you to do it, its just factored into the cost. So its very effective for homeowners.
And again it keeps them from going into foreclosure. They get to stay in the house and they get to save whatever is left of their dignity, some people take it very pride fully as well. So Kalyn, the second most common objection is?… http://realestatemarketingthisweek.com
Duration : 0:6:34
Bellatrix Lestrange Scenes in the Half-Blood Prince
July 30th, 2010
Sev3210http://gdata.youtube.com/feeds/api/users/sev3210EntertainmentBellatrix, Scenes, in, the, Half, Blood, PrinceBellatrix Lestrange Scenes in the Half-Blood Prince
Duration : 0:8:25
Loan Modification, Home Loan Modification, Mortgage Loan Modification, Mortgage Modification
July 30th, 2010
http://realestatemarketingthisweek.com/real-estate/beware-of-phishing-schemes-and-bank-scams-gmacs-clients-hit-hard/ – Beware of phishing schemes and bank scams GMACs clients hit hard –
Part 3 – As promised just before the break, I told you to, listen in if you know anyone who has a GMAC Mortgage, this is one of those too good to be true things. Heres the thing, I have no issues what-so-ever with GMAC, thats not what Im saying, what Im saying is there is a scam of sorts that is going around. A client of ours received a letter, we did a second mortgage for this person a few years ago, they received a letter from GMAC, it looked like GMAC, it sounded like GMAC, and it said that we are willing to forgive your second mortgage of 200 and some thousand dollars in lieu of a one time payment, payable within the next 30 days, of say 20 thousand dollars.
I dont recall the exact amount or what it was. There is a phone number on there, it says loss mitigation department on it, a person assigned to this case. They called the phone number, they answered the phone as if you were calling into the loss mitigation department, and verified if you just send us this amount they will release the lien. Well it is completely false. It is absolutely not true.
These people are not going to seek you out on their own, now whether it be GMAC, today we have actually seen that one, there may be other ones out there. Folks, if you are getting stuff like this you need to verify it and you need to verify it by sources other than the information on the letter that you have received. If you get an email that says your bank account has been tapped into you need to check, chances are it is some kind of a phishing scam and this is no different.
We have gone back to identity theft through the mail and if you have been a party to this you need to verify and check into it, and you need to contact the authorities immediately for more information, if you need help with this sort of situation you are welcome to give us a call at 480 Velocity.
It is pretty amazing that that kind of thing still exists, and with the announcement by Paulson today that the fact is they are no longer willing to buy bad mortgages off the books of the banks. When you come across a phishing scam such as this one there is not a bank out there, I dont care what kind of trouble they are in, that is going to take $0.10 on the dollar to forgive a loan.
In a situation where things are going well, you are right in a situation where things are going well, and the status quo, they are going to be pursued by an attorney, that is entirely different, they are not just going to volunteer up and give you the money, its not going to happen.
Absolutely not and thats where we get back into what a loan modification is, who it benefits, and how it works and so forth, you are starting to see these wheels in motion amongst all of these banks. One of those wheels is certainly not well forgive $200,000 in debt if you write us a check for $20, 000.
And when we have talked about this Brett you and I have had many conversations in regard to what does it take? Can a person do this on their own, we will get to that a little later, but the answer is Yes. A consumer can actually do it on their own, up until very recently with the new announcements made from some of these major servicers and investors, up until then, a person trying to do it on their own would take days upon days and hours and hours on the phone not getting calls back trying to find time during the day while working to get this done and in many cases they are going to get a temporary fix.
The loss mitigation department for the bank that you have your mortgage with, their job is not to mitigate your loss its to mitigate their loss. They are out to protect the bank, thats why we use the national network of attorneys that we do, that are specialists, that have done thousands of these loan modifications, that go to bat for you. By the way folks, they are not going through the loss mitigation door that you would have to go through they are going right to the legal department, they are going to threaten suit if necessary, they are going to do discovery work, they are going to find out if there was anything that was misrepresented either by the bank or the broker and take that angle… http://realestatemarketingthisweek.com
Duration : 0:5:36
Quicken Loans First-Time Home Buyer — John Moga Mortgage Banker/ Darin Henning In House Realty
July 30th, 2010
Quicken Loans clients Chanelle and Brad from Nevada, discuss in this video review how Quicken Loans and John Moga helped them purchase their first home. Chanelle and Brad contacted Quicken Loans banker, John Moga, and after starting their mortgage process began house hunting. John Moga was able to direct them to In House Realty consultant, Darin Henning. Darin helped them with all their realty needs, including finding them a realtor. Chanelle and Brad were impressed with how great everyone was to work with and the customer service they received. They were able to purchase a home they love with a great interest rate. Chanelle and Brad would definitely use Quicken Loans again and would recommend Quicken Loans and In House Realty to anyone looking for a mortgage or is interested in purchasing a home.
Duration : 0:4:7
Tejano Music Awards
July 26th, 2010
In San Antonio for the Tejano Music Awards. I’ll be doing a tribute to Selena Quintanilla-Perez. Really looking forward to getting to do it!
Duration : 0:4:27
Mortgage Crisis Blame: Bush Tried, Dodd and Barney Frank Blocked. “Bushs Brain” Speaks
July 26th, 2010
“Fanny and Freddie in particular accelerated their imprudent behavior after they, we attempted to regulate them.” That comment by Karl Rove is the key to the crisis that caused all of our economic troubles that we face today. Without Fanny Mae and Freddie Mac buying up all of those risky mortgages, they would never have been made. The Banks would not have risked their own financial futures covering risky loans like the ones they were enticed to make.
The question is why did Fanny and Freddie accelerate their loan buying? Could it be that they wanted to line their pockets with money at the risk of the tax payer? Fanny and Freddie were, are, government backed entities that did not, do not, take on any risk. Therefore there is no real accountability; they do as they please at the taxpayers expense.
So you see this entire mess was caused by the government, not our capitalist economy. And now the government is back at it with this so called stimulus package. Have they not done enough harm to our Economy? Do they want to destroy our economy to the extent that every man, woman, and child has to come begging to our government for a handout; is that their goal?
jbranstetter04
Guess again who’s to blame for U.S. mortgage meltdown
Analysts point not to greed, but to social activist politics
While many pundits are pointing to corporate greed and a lack of government regulation as the cause for the American mortgage
and financial crisis, some analysts are saying it wasn’t too little government intervention that cased the mortgage meltdown, but too much, in the form of activists compelling the government to pressure Freddie Mac and Fannie Mae into unsound though politically correct lending practices.
“Home mortgages
have been a political piñata for many decades,” writes Stan J. Liebowitz, economics professor at the University of Texas at Dallas, in a chapter of his forthcoming book, Housing America: Building out of a Crisis.
Liebowitz puts forward an explanation that he admits is “not consistent with the nasty-subprime-lender hypothesis currently considered to be the cause of the mortgage meltdown.”
In a nutshell, Liebowitz contends that the federal government over the last 20 years pushed the mortgage industry so hard to get minority homeownership up, that it undermined the country’s financial foundation to achieve its goal.
“In an attempt to increase homeownership, particularly by minorities and the less affluent, an attack on underwriting standards was undertaken by virtually every branch of the government since the early 1990s,” Liebowitz writes. “The decline in mortgage underwriting standards was universally praised as ‘innovation’ in mortgage lending by regulators, academic specialists, (government-sponsored enterprises) and housing activists.”
He continues, “Although a seemingly noble goal, the tool chosen to achieve this goal was one that endangered the entire mortgage enterprise.”
“As homeownership rates increased there was self-congratulation all around,” Liebowitz writes. “The community of regulators, academic specialists, and housing activists all reveled in the increase in homeownership.”
An article in the Los Angeles Times from the late ’90s praised the sudden surge in homeownership among minorities, calling it “one of the hidden success stories of the Clinton era.”
John Lott, a senior research scientist at the University of Maryland, however, claimed in a Fox News article yesterday that the success came at a great price.
According to Lott, the Federal Reserve Bank of Boston produced a manual in the early ’90s that warned mortgage lenders to no longer deny urban and lower-income minority applicants on such “outdated” criteria as credit history, down payment or employment income.
Furthermore, claims Lott, Fannie Mae and Freddie Mac encouraged and praised lenders like Countrywide and Bear Stearns for adopting the slackened policies toward minority applicants.
“Given these lending practices mandated by the Fed and encouraged by Fannie Mae and Freddie Mac,” writes Lott, “the resulting financial problems for financial institutions such as Countrywide and Bear Stearns are not too surprising.”
http://www.worldnetdaily.com/index.php?fa=PAGE.view&pageId=75717
Duration : 0:2:36
Black Rebel Motorcycle Club – Took Out A Loan
July 26th, 2010
“Took Out A Loan” live in Portland, for MSN Music
Duration : 0:4:46
What kind of credit card could I possibly get with having horrible credit?
July 24th, 2010So my credit score is something like 562. I am looking to get a credit card with something like 2000 dollar limit or lower that wont have unbelievable fees. Does something like this exist? I’ve applied for credit cards over the last year and have been denied each time. Yeah, my credit sucks. What can I do?
Every time you try to get a credit card, the inquiry reduces your rating.
It is usually only 1 or 2 points, but if you have bad credit it can reduce it up to 5 points.
You will not find a card with a $2,000 limit.
The best you can hope for is one with a $250 limit.
Problem with a limit that low.
Any time you use more than 30% of your available credit limit you are destroying your rating.
Ex: $250 limit – never use more than $75 at any time during the month on that card.
And, of course make sure you pay a credit card in full for top ratings.
Carrying balances on credit cards can destroy credit very easily.
There are some cards, but I consider them scams.
A certain bank has a card.
$250 limit
$95 annual fee
$75 proceesing fee
$10 monthly fee
$5 just to see your bill online
You end up with a card that is maxed out (which lowers credit) and you only have about $20 available to use.
They also have an inquiry fee to see if they can raise your limit.
Each time they do this (un announced about every 3 months) you get hit with a $35 inquiry fee.
This fee puts people over the limit –
They get that nice $40 over the limit fee.
And then the interest rate can go up to 45% – yes – they can go up that high.
In conclusion – stay away from these cards.
Go to your bank and get a secured loan.
You give them $500 or $1000, you invest in a cd- and you make a secured loan against that amount.
Paying back on time for at least a year will improve your credit.
Do not ever in life consider getting a credit card to carry balances.
This will only destroy your credit – and in turn your life.
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Hank Williams Sr. – Cold, Cold Heart
July 24th, 2010
See Music Videos http://www.bvmtv.com/ that you CAN’T See on You Tube ! +Live Chat and Embed video codes.
Hank Williams (September 17, 1923 January 1, 1953) was an American singer and songwriter and musician who has become an icon of country music and one of the most influential songwriters of the 20th century. A leading pioneer of the honky tonk style, he had numerous hit records, and his charismatic performances and succinct compositions increased his fame. His songbook is one of the backbones of country music, and several of his songs are pop standards as well. He has been covered in a range of pop, gospel, blues and rock styles. His death at the age of twenty-nine helped fuel his legend. His son (Randall) Hank Williams, Jr., nicknamed “Bocephus”, his daughter Jett Williams, and his grandchildren (Shelton) Hank Williams III, Holly Williams, and Hilary Williams are also professional singers.
Duration : 0:3:28