Yes, it true – you can legally reduce your monthly mortgage payments from 25% to 40% -

Even If You’ve Never Been Late & Currently Have NO Equity!

If you have an Adjustable Rate Mortgage (ARM) that is going to be adjusting, this can save you thousands of dollars.

Here’s the SECRET – by using a powerful tool know as a FORENSIC LOAN AUDIT you are able to aggressively negotiate better loan terms with your current lender.

A forensic audit of your current mortgage loan will determine if you were a victim of “Mortgage Non-Compliance” or “Loan Fraud” - most loans are non-compliant!

The shocking truth about our FORENSIC LOAN AUDIT is that we uncover violations and fraud in over 83% of our client’s loan documents - resulting in an overall success rate of 95.7%.

Because of this Forensic Loan Audit, lenders are compelled to modify your existing mortgage loans & reduce your monthly payments -

• Regardless of Your MORTGAGE PAYMENT HISTORY
• Regardless of Your EQUITY (or lack thereof)
• Regardless of Your CREDIT SCORE

Normally, lenders won’t even discuss a loan modification with borrowers who aren’t 60 to 90 days late (or in foreclosure), but with our Forensic Loan Audit which reveals a majority of home loans to be non-compliant, they will talk with us.

You see, lenders aren’t obligated nor compelled to accommodate a “non-delinquent” borrower’s modification request without a legal precedent. However, this is where the Forensic Mortgage Loan Audit comes into play.  This is an extremely powerful tool.

When a lender knows their loan is non-compliant, it changes everything – they are then compelled to modify your existing mortgage loan, rather than pay the cost of legally defending a non-compliant loan.

For Those Who May Behind on Your Payments –

If You Have a Foreclosure Sale Notice, THEY WILL STOP YOUR SALE DATE!

Click here for information about Non-Purpose, Non-Recourse Lending

Try thinking about this from the point of view as either a manager or a supervisor and you want to increase the productivity of your team. Before you even try this, learn a bit about why people do things the way they do. After all, if you increase productivity there has to be a change. Managing and leading change is not always easy. However, the more you understand about why people have difficulty changing, the better you are able to lead the change.

Look at yourself, you go to the same shops, you go to the same gas station, watch the same TV programs and probably get dressed in the same order every day. It’s almost like we need this pattern of behavior to give us a routine, some sort of stability, a way of doing things which does not require any thought.

When we translate that behavior to the workplace, or we run into problems because some people do things that we don’t want them to do. This is where we need to use techniques that involve influence and persuasion. Then we are faced with another problem. People will agree that they need to do things differently but find great difficulty in changing themselves.

The difficulty is caused by the way our brains operate. All our previous behavior creates behavioral patterns and our brain is wired to do exactly what we have done in the past. So much so, that if we know the way a person has behaved in the past we can almost guarantee that we can predict future behavior. It is that strong.

The latest research indicates that it takes around about five days to form a new habit provided it is repeated daily. These studies have considerable implications in the workplace. It means there is a possibility that workplace behavior can be changed through coaching and repetition in a short time. Originally, it was thought that the new habit takes 21 days to change.

Creating a new habit does not mean that the old habit has been cancelled. What it means that this choice is part of your everyday decision-making and it is tempting to shift back to old ways. Our old, strong, neural pathways are a powerful magnet for us to return to our old behavior.

To overcome the attraction of the old neural pathways we must consciously and intentionally repeat new behavior time after time and day after day until it can compete. This is why coaching on-the-job is so successful. For a manager or a supervisor, the key to successful change is the ability to coach your team daily to reinforce new habits of behavior.

To make a change in behavior requires an enormous initial effort because first of all we have to create new neural pathways in the brain and then fight off the temptation to return to old patterns of behavior. Once we have created the new neural pathways we have to strengthen them through regular usage and continual reinforcement.

To increase productivity requires change. It is strongly advised that you plan the change before you try and install it and develop your coaching skills.

For assistance with improving financial productivity, check-out the links below which may save you time & thousands of dollars in lending fees.

Click here for information about Non-Purpose, Non-Recourse Loans

There are three (3) ways to increase the productivity:

(1) improved skills,

(2) increased leverage of others, and

(3) better use of the hours you’re working.

The first and second come with experience.  The third will immediately produce results in hours gained.  For discussion purposes, let’s break this down and look at this in “tenths of an hour”.

0.1 (hours) x 5 (days/week) x 45 (workweeks/year) = 24 extra productive hours

In other words, if you can improve your productivity by six minutes per day, you will do 24 more hours of work per year.  That’s three full days!

Here are ways to gain more productive hours in the day, six minutes at a time.

Managing E-mail

Email is a terrific tool & killer application that was ushered in with the Internet era, but this can be a huge time sink.  To gain valuable minutes throughout the day, fine-tune your use of e-mail by taking the following steps.

1.  Turn off new message notifications.

These notifications are a huge distraction because they create internal noise:   What am I missing?  Oh, not another thing to do!  Or worse, you instantly stop to look at the new message and lose focus on whatever else you’re doing.  E-mail is an one-way communication tool.  You do not need to know every time a message hits your inbox.  It isn’t going anywhere!  Simply triage your e-mail regularly (twice an hour or so) to stay abreast of what’s happening.

2.  Remove your work address from personal lists.

Keep your inbox tidy and uncluttered to reduce the time wasted culling through it. Get rid of automatic feeds about the local weather report, the special of the day at your favorite online retailer, and the scores in the day’s sports events.

3.  Get off unnecessary professional and interoffice lists.

These also represent a distraction from your work.  Draft a polite, professional      e-mail to the list manager asking to be removed if it’s not imperative that you receive certain e-mails.  Likewise, unsubscribe from e-publications you don’t read. Most professional purveyors provide a simple Unsubscribe mechanism for this.  Take advantage of it.  You can always re-subscribe later if you find it necessary.

4.  Spot review your inbox from home.

Yes, you’re working away from the office after hours, but this is the new professional landscape.  If you can quickly reply to simple requests and handle just a few small items in the evening, then in the morning, they’ll be on someone else’s desk and not yours.

Sequestering

It’s not just for juries, you know.  The idea is to find a place or process that provides you with uninterrupted time to get top-priority work done.  This doesn’t mean holing up all day, or leaving the country.  You’re looking for a defined period each day or week – say one to two hours – when you are able to focus on the tasks of highest concern.  Here are some specifics.

1.  Privatize your office.

Close your door and put your phone on “Do Not Disturb”.  If people continue to interrupt you, put a DND sign on your door.  You can make it light-hearted, such as “Great Mind at Work, Please Don’t Knock” or “Out to Work, Back at X:XX Clock”, but make it clear.

2.  Establish a secondary workplace.  If your company has an unoccupied or unassigned office, go there.  If the company or office building has a small conference or caucus room, go there.  Any empty office space will do.  Take only the things you’re going to work on, and sit down and do them.

3.  Try some one-hour telecommuting.

Consider coming in late or going home early to gain quiet work time one day a week.  But remember, if you’re going to do this, you must genuinely commit to getting the work done.  Any temptation to dally will undermine your objective of increasing performance, so be very careful.

4.  Learn how to say, No.

Inevitably, you will still be hunted down or interrupted on many occasions.  This is when it is imperative that you politely but unmistakably explain that you’re not currently available and you’ll get back to the person posthaste when you are. It’s an opportunity to retrain those you work with or those you are enlisting help from to increase your productivity.

Upgrade Your Work Space

There are a number of things you can do to improve the productivity of your physical work space.  Most are very simple to implement, but each will pay a large productivity dividend.

1.  Do not face the door.

Reposition your desk so you are not facing the open door.  The problem with facing the door is that you tend to look up whenever someone passes by.  That’s becomes a constant mini-interruption and it’s completely unnecessary.  Worse, the person walking by may catch you eye and stop to chat!

2.  Identify a designated work area.

Pick one area on your desktop – your computer table or desk return as your designated work area.  This area should be devoid of ALL other working materials. Each file and pile in the vicinity of your designated work area is another distraction. This way, you’ll keep yourself from thinking – Oh, I’ve got to do that, and Oh, I’ve got to do that too!  Keep the designated work area free of those self-inflicted distractions.

3.  Create a filing system for open projects.

Most people use the stacks and piles model for keeping track of what needs to be done.  These seemingly innocuous papers are either neatly or not-so-neatly scattered about the office.  A well organized filing system is easy to maintain and a much more efficient workflow method.  Every minute spent digging around in the piles is a lost minute of productivity.

Implementing some or all of these suggestions will definitely increase your productivity.  Better productivity will improve your effectiveness and sense of accomplishment.  In turn, your increased accomplishment will produce greater career satisfaction.

Also, be more productive with your time dealing with financial matters.  Checking out the following links may prove very useful to you.

Click here for information about Non-Purpose, Non-Recourse Loans

Let’s first look at going through the process on your own. Depending upon your lender there are many requirements that must be met to qualify for a mortgage modification. There are a lot of forms and crucial information that must be presented correctly and accurately if you hope to qualify.

You can do the research required; you can contact your lender yourself as millions have although you may not have a successful outcome! Remember, your lender is looking out for their best interest.  Therefore lenders will do as little as possible and may not always give you as good of a modification as you may receive with a seasoned loan mitigation specialist working on your side.

One good strategy is to have a Forensic Loan Audit performed.  These audits have shown that more than 83% of residential loans done over the past 5 years are non-compliant or may contain loan fraud.  Armed with a forensic loan audit, a professional advocate will have a much better opportunity to get you the best overall loan modification.

The key here is to do your homework! The problem is that most people don’t know exactly what their lender requires! Leaving out even one form or one piece of vital information could be the determining factor in qualifying and getting approved!

If you are comfortable doing the research and filling out the forms and in dealing directly with your lender than you can certainly do this on your own!  However, it is somewhat like going to court and defending yourself – as your own attorney.

If you don’t feel quite as confident and want help, it is available! There are legitimate mortgage modification companies that will walk you through the process and deal with your lender so you don’t have to.

You do need to do some homework before choosing someone to assist you! There are some scams out there to be wary of! Mortgage modification companies will charge a fee that can be thousands of dollars.

For many homeowners it is worth paying that fee for the security of knowing the company is dealing with the lender to get you the best possible modification loan. The choice is truly up to you! Make sure to investigate the mortgage modification companies prior to choosing one to work on your behalf.

You can also hire an attorney to help you with the loan modification process. Usually an attorney will charge more than the mortgage modification companies will because an attorney is on retainer. Keep in mind that you do not need an attorney for this process, again that is up to you!

Click here for information about Non-Purpose, Non-Recourse Lending

Here are a few directions you can take:

• Sell your house prior to the foreclosure auction. The value of this idea will vary heavily depending on the nature and quality of your local real estate market. If you’re in a market that still has very slow resale rates, selling your home could be a challenge. Ask a local real estate agent to determine the average number of days on the market for properties in your area.
• Initiate a Forensic Loan Audit, which will likely reveal in a non-compliant loan, that will compel you lender to offer you a loan modification.  A loan modification is a process through which your lender changes the payment terms of your loan to more closely match your ability to pay. While this is not a guarantee, loan modifications have become more popular in the last 12 months.
• Refinance the property. If you are not yet fully into the foreclosure process but have reason to expect you will fall behind on your payments, it may be wise to try to refinance your mortgage to a lower rate. If your property is worth less than the balance of the mortgage, you’ll want to inquire regarding a “short refinance”, which is when a lender forgives a portion of the debt against you in order for you to refinance your property and pay off the remainder of the debt you owe.

When you’re trying to stop a foreclosure, the key is fast action.

Warning: Be very wary of people who aggressively attempt to purchase your home for investment purposes. While there are many legitimate real estate investors, there has been a significant amount of fraud with “Stop Foreclosure” scams, and it is wise to be very, very careful.

Please remember: The crisis you now face will soon be over. As a foreclosure survivor myself, I’d like to encourage you to remain hopeful, and to understand that your future does not equal your past!

Thanks for reading this information about how to stop foreclosure.

I hope you’ve found value here.

Click here for information about Non-Purpose, Non-Recourse Loans

These can include mortgage documents, information available in the public record, and other information found through fighting a lawsuit in the courts. Thus, borrowers should be aware of these various categories of documents and how they can help in defending a home.

The original mortgage documents are the most important in defending against a bank’s foreclosure attempt. If there are any mistakes or fraudulent aspects discovered in these, the entire loan may be invalidated or a court-ordered loan modification plan may be put into place.

It is estimated that over 85% of all residential mortgages funded over the past 7 years are non-compliant or fraudulent.  Signs of abusive lending or clauses that may provide remedies to foreclosure should be searched for by the borrowers.  A Forensic Loan Audit will best determine if a loan is non-compliant.

There are five documents that homeowners may wish to consider the most important when they are searching for the original paperwork. These are the following:

- HUD-1 Settlement Statement

- Truth in Lending disclosure and Rescission Notice

- Note for the loan

- Deed of Trust or Mortgage

- Appraisal

If a mortgage servicing company is involved in the collection of the payments on a monthly basis and responsible for the foreclosure process, homeowners should begin collecting documents related to the servicing. Servicer abuse is rampant, as the entire industry was set up from the beginning to prey upon homeowners and reward corrupt or fraudulent companies for pushing people into foreclosure.

There are several documents that homeowners should attempt to obtain from servicers and compare with their own copies of documents and calculations.

- Payoff Statement

- Complete payment history

- Contact history and notes on the account

- Disclosure of current owner of underlying loan

- Servicing transfer notice(s)

- Pooling and Servicing Agreement (PSA)

After obtaining the documents from the original lending transaction and relevant information from the servicing company, homeowners should begin to look into public records. The bank, its attorneys, and any potential bidders will examine public records to find out as much as possible about the owners and the property. Borrowers should do the same to research the lender, servicer, and owner of the loan.

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Searching public records can present endless sources of information for homeowners in researching mortgage companies. Just a few ideas are listed here:

- Land records from the county recorder

- Securities and Exchange Commission documents

- Complaints against companies with regulatory agencies

- Record of company through Better Business Bureau and other advocacy groups

- Records of other lawsuits the bank has been involved in

- General internet searches

- Corporate documents and accounting statements

Before going into court, these documents can help homeowners begin to build a decent case for why a foreclosure should not allowed to go through. There are also numerous other documents that can be obtained in the discovery process in court, which will be covered in a later article. The types of documents and the purposes for each in the defense of the home present vast potential for homeowners trying to stop foreclosure.

Just like lenders examine borrowers’ records to determine if they will qualify for a loan, homeowners should go through the exact same series of steps to determine if a bank has a legitimate right to foreclose or not. In many cases, they may uncover enough irregularities in the loan to force the bank into a mortgage modification or, if that is not offered or appropriate, have the entire foreclosure lawsuit dismissed out of court.

Click here for information about Non-Purpose, Non-Recourse Loans