President Obama put this plan into effect this year in order to pull people out of potential financial ruin and keep the economy moving. Most homeowners who have a mortgage may be eligible and monthly payments will be greatly reduced to a point where their mortgage payment fits into their budget.

This program has the potential to make great strides in helping both the lenders as well as the homeowners, and seventy five billion dollars has been allotted for it. It not only is it designed to reduce personal debt, but it also helps in alleviating the stress that homeowners facing potential ruin are feeling.

Are you eligible?

Due to the massive number of homeowner’s and the fact that most lenders are not adequately staffed, now is the time to jump in and get help in paying down your mortgage. It will help you avoid foreclosure and the credit issues that will haunt you for the next several years. There are guidelines put into place that will let you know if you qualify for the home affordable modification program.

One of the biggest factors will be when your mortgage started. Any home mortgage that originated before January 1, 2009 may be eligible.

Another major stipulation to being in this program is that your home has to both owner occupied and your primary residence. If the subject property in non-owner occupied, has someone else residing in the home and paying you rent then you cannot qualify for this modification. Your home also has to be the place that you currently live. The best way to prove this fact during the application process is by simply showing a piece of mail that has a recent date, your name, and address.

Your monthly income must meet specific guidelines as does your current unpaid mortgage balance. It is important to speak with a professional before applying for help.

There will likely be a short but thorough verification process where all of your income, assets and expenses will be scrutinized. Be sure that you claim every asset that you have and practice full honesty during the entire process. Lying about any of these issues will get you into trouble at some point during the application process and could cause you to be declined from the program later on.

Don’t worry about not qualifying in case you are in the midst of a bankruptcy filing. This will not necessarily be a deal breaker for you. The important thing is that you are truthful and that you disclose all of the details during the application process.

The program will be ending the end of December 2012, but all payments will continue for several months after the finish.

It is important to mention that the government is currently giving an incentive payment that encourages applicants during the initial process. A definite bonus for those who have found themselves strapped financially.

The home affordable modification program is a great way to get a boost on your home mortgage payments. It will not only help you with reduced mortgage payments, but also keep your home from being foreclosed.

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The Home Affordable Refinance program will be available to 4 to 5 million homeowners who have a solid payment history on an existing mortgage owned by Fannie Mae or Freddie Mac.A Normally, these borrowers would be unable to refinance because their homes have lost value, pushing their current loan to-value ratios above 80%.A Under the Home Affordable Refinance program, many of them will now be eligible to refinance their loan to take advantage of today’s lower mortgage rates or to refinance an adjustable-rate mortgage into a more stable mortgage, such as a 30-year fixed rate loan.

GSE lenders and servicers already have much of the borrowers information on file, so documentation requirements are not likely to be burdensome. In addition, in some cases an appraisal will not be necessary.A This flexibility will make the refinance quicker and less costly for both borrowers and lenders.A The Home Affordable Refinance program ends in June 2010.

The Home Affordable Modification program will help up to 3 to 4 million at-risk homeowners avoid foreclosure by reducing monthly mortgage payments.A Working with the banking and credit union regulators, the FHA, the VA, the USDA and the Federal Housing Finance Agency, the Treasury Department today announced program guidelines that are expected to become standard industry practice in pursuing affordable and sustainable mortgage modifications.A This program will work in tandem with an expanded and improved Hope for Homeowners program.

With the information now available, servicers can begin immediately to modify eligible mortgages under the Modification program so that at-risk borrowers can better afford their payments.A The detailed guidelines (separate document) provide information on the following:

Eligibility and Verification

• Loans originated on or before January 1, 2009.
• First-lien loans on owner-occupied properties with unpaid principal balance up to $729,750. Higher limits allowed for owner-occupied properties with 2-4 units.
• All borrowers must fully document income, including signed IRS 4506-T, two most recent pay stubs, and most recent tax return, and must sign an affidavit of financial hardship.
• Property owner occupancy status will be verified through borrower credit report and other
  documentation; no investor-owned, vacant, or condemned properties.
• Incentives to lenders and servicers to modify at risk borrowers whohave not yet missed payments when the servicer determines that theborrower is at imminent risk of default.
• Modifications can start from now until December 31, 2012; loans can be modified only once under the program.

Loan Modification Terms and Procedures

• Participating servicers are required to service all eligible loans under the rules of the program unless explicitly prohibited by contract; servicers are required to use reasonable efforts to obtain waivers of limits on participation.
• Participating loan servicers will be required to use a net present value (NPV) test on each loan that is at risk of imminent default or at least 60 days delinquent.A The NPV test will compare the net present value of cash flows with modification and without modification.A If the test is positive meaning that the net present value of expected cash flow is greater in the modification scenario the servicer must modify absent fraud or a contract prohibition.
• Parameters of the NPV test are spelled out in the guidelines, including acceptable discount rates, property valuation methodologies, home price appreciation assumptions, foreclosure costs and timelines, and borrower cure and re-default rate assumptions.
• Servicers will follow a specified sequence of steps in order to reduce the monthly payment to no more than 31% of gross monthly income (DTI).
• The modification sequence requires first reducing the interest rate (subject to a rate floor of 2%), then if necessary extending the term or amortization of the loan up to a maximum of 40 years, and then if necessary forbearing principal.A Principal forgiveness or a Hope for Homeowners refinancing are acceptable alternatives.
• The monthly payment includes principal, interest, taxes, insurance, flood insurance, homeowners association and/or condominium fees.A Monthly income includes wages, salary, overtime, fees, commissions, tips, social security, pensions, and all other income.
• Servicers must enter into the program agreements with Treasury’s financial agent on or before December 31, 2009.

Payments to Servicers, Lenders, and Responsible Borrowers

• The program will share with the lender/investor the cost of reductions in monthly payments from 38% DTI to 31% DTI.
• Servicers that modify loans according to the guidelines will receive an up-front fee of $1,000 for each modification, plus pay for success fees on still-performing loans of $1,000 per year.
• Homeowners who make their payments on time are eligible for up to $1,000 of principal reduction payments each year for up to five years.
• The program will provide one-time bonus incentive payments of $1,500 to lender/investors and $500 to servicers for modifications made while a borrower is still current on mortgage payments.
• The program will include incentives for extinguishing second liens on loans modified under this program.
• No payments will be made under the program to the lender/investor, servicer, or borrower unless and until the servicer has first entered into the program agreements with Treasurys financial agent.
• Similar incentives will be paid for Hope for Homeowner refinances.

Transparency and Accountability

• Measures to prevent and detect fraud, such as documentation and audit requirements, will be central to the program.
• Servicers will be required to collect, maintain and transmit records for verification and
  compliance review, including borrower eligibility, underwriting, incentive payments, property verification, and other documentation.
• Freddie Mac will audit compliance.

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Lynn Murtagh a real estate broker who works for that Coldwell Banker Residential in Mesa said that 25% of the 3149 homes put up for sale are owned by banks. They are either repossessions or properties given back by borrowers who were not able to pay up their mortgage.

The number of homes up for short sale that is those sold at a lesser value is approximately 27%. This means that more than 50 % of houses on the market are distressed properties.

The Phoenix metro area has seen a rise in foreclosures and more than 6% have received a foreclosure filing during the year according to RealtyTrac. In the month of January alone according to current foreclosure statics, there were 1,079 foreclosures; this represents a 33% rise a year earlier and a staggering 318% rise from the same month in 2007.

Earlier in this decade, the whole area of Phoenix experienced rapid growth in real estate due to an increase in population and realtors from high priced places like California looked to spread out. Investors enriched themselves back then since prices for homes appreciated. According to a report by the National Association of Realtors, the average real estate prices in the fourth quarter of 2005 were close to 50% higher than in the year 2004.

Since that period however, the prices of homes in Mesa have dropped drastically. Price declines in several neighbourhoods are very severe. An example given by Murtagh is whereby people bought homes for about $225,000 in the year 2005 and they have now listed the same properties for $75,000.

Many recent home owners are now in a tight fix in their mortgages since they owe more than their homes are actually worth. This makes them increasingly vulnerable to foreclosure. During the housing boom, according to Murtagh, many Mesa home buyers opted for exotic mortgage products such as adjustable rate mortgage (ARMs), hybrid ARMs, no-doc loans and interest only loans which are now failing at an alarming rate. Many foreclosures are as a result of these unmanageable mortgages due to predatory lending and falling property prices than from the global economic crisis.

Job losses in the area have resulted in people falling back on their mortgages since many residents were employed in the housing industry either as construction workers or sales persons and other fields reliant on home sales. Murtagh is of the opinion that if the job losses could be stemmed, then many people would be able to stop foreclosure and keep their homes.

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People behind on mortgage payments can take certain steps to stop foreclosure. If you fall into this category, and your house is on the market, here are some things to consider:

1) Make sure that your house is priced competitively. If you have equity in your home, and are facing foreclosure, you have the opportunity to adjust your selling price. The current market is a buyer’s market, and buyers know it. They are looking for the best value for their money. Too often homeowners are blinded by the price they paid for their home, which was purchased in a seller’s market at too high of a price. Be realistic about what you can expect to receive for your home.

2) Insist on holding numerous open houses. Now, understand that this is not for the purpose of finding a buyer. Most open houses do not result in the sale of the home. Your open houses are one of your most valuable tools because they provide feedback. You need to know why your home is not selling. Price, location, layout, or decor can all be factors.

3) Once you know how people feel about your home, change it. Resist the temptation to become angry or hurt, accept the advice as it is, and make changes. After you have painted, cleaned, fixed landscaping, or corrected the issues people have mentioned, hold another open house. Repeat, repeat, and repeat this process. Sometimes all it takes is a coat of fresh paint and moving some furniture around to change how your home is perceived.

4) Make sure your home is listed online, advertised heavily, and has color fliers complete with a lot of pictures. Everyone has to know your home is a great value for the money and why. Let everyone know you are willing to make changes for the buyer. A "seller comments" page is an excellent tool, and you can describe things you have updated or changed based on prospective buyer feedback. This lets your new buyers know that they can work with you.

5) Get together your mortgage payments as best you can. Look around your home and start selling. Ebay can be a great tool to make some fast cash. Accept the fact that you will have to take a loss on the things you sell, and decide which things you don’t really use or need. If you can put together a few mortgage payments, you may be able to negotiate your momentary respite into a longer one, and sell your home in the meantime.

6) Consider alternatives to a straight sale. Some investors will purchase your home for the price of the remainder of your loan, and rent it back to you. This lowers your payments so you may stay in the home. Try renting rooms out yourself, or the basement. This might give you the income you were lacking.

Pre-foreclosure sales tend to attract investors and first time homebuyers, both of whom like to see an interested homeowner who is actively seeking to sell or rent their home. Take the time the banks are offering to try to make the necessary changes that will make your home sell.

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There were only 14,351 foreclosures in the state of January in California, as opposed to 20,952 foreclosures the month before. This number of foreclosures was the highest of any state in the entire country, but not the most per capital.

Nationwide, foreclosures are down by more than a quarter between the last two months. Despite these numbers, however, this may not be due only to a moderate recovery in the economy, as Fannie Mae and Freddie Mac both have a moratorium on foreclosures (and they own fifty percent of the United State’s mortgages), which has a big effect, completely separate from the strength of the market.

Furthermore, some commercial banks have agreed to do this as well.

Many banks are allowing consumers to change the terms of their mortgages, which can seriously hurt the banks’ balance sheets, and pumps up these numbers in an artificial way. This process is called Loss Mitigation.

Finally, the California senate has implemented a law recently, which may have had a large effect, that requires any lender to contact a homeowner before they are permitted to begin any type of foreclosure proceedings.

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Companies are protecting themselves by selling you a cheaper upfront service, for your long-term business. In practicality this sort of commitment is a fair practice. But at what point to you does it overstep the lines of fair business? After all, free market capitalism is what we have long built our economy on.

Bankers everywhere are using contracts to keep you held down from searching for the most competitive price. They use penalties or a break funding penalty to keep people from breaking off their current agreement or mortgage. This can mean a very large sum of money by you the borrower.

Some banks are different but the typical bank wants three to six months of interest on a one to two year fixed rate loan. This means that a thirty year loan will be costing you additional interest payments just to break your agreement.

That is a lot of cash!

At what point does this simple practice teeter the unfair business practices?

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The problem is confirmed by many other sources, including many of the banks falling victim.

Calgarians and Albertans are having an especially bad time of it. Calgary alone, a very small area, has more than 125 homes that are in the foreclosure process right now. It appears that much of the market is under water, and that everybody is falling victim.

In the past, few people who lost their job or had a drug or alcohol problem were foreclosed upon, many banks are finding that they must foreclose upon everybody. Many Realtors are finding that as much as fifteen percent of their business is now in helping banks to sell all of those homes that they find on their hands.

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In addition, the government has already placed such a moratorium on Fannie Mae and Freddie Mac, which has had a large positive impact through the month of January. This moratorium is also widely supported in the Office of Thrift Supervision.

The government expects that 90% of the banks will decide to put this moratorium in place, but has no plan for this and has no actual control. In addition, at least $50 billion of the final bailout money will be used to prop up foreclosures. Because of the small moratorium that is in place so far, foreclosures have already been cut by at least 26% in January, however, this is only because Fannie Mae and Freddie Mac are government controlled and, therefore, can be forced to do no foreclosures, which the government cannot do to any of the public banks, even under the current bailout rules.

This is likely to change when the next part of the bailout funds are released.

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Now, the bigger picture of the global meltdown is emerging. Mammoth commercial complexes that once housed hundreds of commercial establishments and looked unshakable, are slowly losing their clients who are moving to more affordable areas as cost cutting measures. Holding on to the prestigious address and location sheen seems to wearing off in the face of stark realities like layoffs and absence of contingency plans.

Landlords who once ruled the estate market are now pondering and are offering newer and attractive rebates to retain existing tenants. Vornado Realty Trust who apparently offered 10 months’ free stay to a tenant threatening to move out of One Penn Plaza at Manhattan is a case in point.

Another heart rending tale is that of 60-storeyed John Hancock Tower at Boston, the tallest building in New England, which has suffered heavy loss on account of severe fall in real estate price. The fact that it is being auctioned soon poses a very grim picture of the sad reality. The steep fall in its price from $1.3 billion to $700-900 million according to Associated Press, is shocking, to say the least.

According to Mark Goldman of San Diego State University, "a storm is brewing" in the commercial real estate industry and it is not just a storm in the tea cup as the adage goes.

No doubt, every company would want to carry a posh address on its card, but the sooner the harsh economic realities are confronted with , the better it would be for the survival to lend some semblance of balance to the current picture.

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Americans are hoping President Barack Obama will have more success, especially as foreclosures continue to grow. A Credit Suisse report published late last year forecast up to 10 million foreclosures by 2012, depending on the severity of the recession.

The Obama administration is expected to back a push in Congress a opposed by the mortgage industry a to let bankruptcy judges alter the terms of primary home loans. Earlier this week, Obama said it "makes no sense" that judges are not allowed to do so. The mortgage industry argues that this prohibition allows lenders to charge lower rates.

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A foreclosures is a legal proceeding that occurs when a homeowner (mortgagor) fails to make the agreed upon mortgage payments and the holder of said mortgage (mortgagee), typically a bank, evicts the homeowner, seizes that property and sells it to another individual.

In the event a homeowner fails to pay on their mortgage, a foreclosure is the primary remedy utilized by most mortgage lenders, in most states, to collect on the debt owed to them. The house is the main collateral or asset the bank has when they issue a mortgage to an individual.

The foreclosure process starts when a homeowner falls behind 90 days on their mortgage payments (this is most typical). At that point a lender may file what is know as a Notice of Default and an Election to Sell (again, most typical).

At this point, the lender typically waits about 90 more days where it appears nothing more happens from the lender other than possibly receiving phone calls requesting that the homeowners gets caught up on their mortgage. Behind the scenes, the lender is preparing their team to initiate the actual reclaiming of the asset.

After what is a total of about 180 days of being late on the mortgage payment, the lender has the right to publish what is know as a Notice of Sale. Most states require the lender publish the tentative sale for abouts 3 weeks. When the lender publishes that Notice of Sale, it is typically in a newspaper and they have to declare when the property will goto sale on the courthouse steps or some other predetermined location.

A homeowner does carry the ability to cure the mortgage loan and keep their house, this is called the Right of Reinstatement (most state laws offer this). This means that if the homeowner can pay back all delinquent mortgage payments plus additional fees and penalties up until a predetermined time, usually 7 days before the Notice of Trustee Sale, the lender will allow them to keep their home.

The homeowner does not have to pay back the whole loan, they do not have to refinance, they simply have to pay the mortgage payments that were missed, fees and penalties.

If the homeowner is unable to execute their Right of Reinstatement or if the lender does not postpone the sale, the property will goto the Trustee Sale.

Once the Trustee Sale occurs, the property is lost.

You can retain the services of a trusted professional, who understand your rights and entitlements by clicking here.

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Managing the stress associated with foreclosures.

Recently APA did a study where found 40% to 60% of homeowners tie their self esteem directly with the mortgage and foreclosure problems they face.

It is important to remember that a mortgage is REALLY a business transaction.

If you are emotionally bleeding, if you are financially bleeding, let it go. It is OK if you have to sell your home, move and start over. Stress is bad and can hurt your health more.

Don’t wait till your back is up against the wall. If you sell your home, you don’t have to sell your self esteem, It’s OK. Alot of people are going through this.

Face your foreclosure because your foreclosure can have an impact on entire family.

Seek advice from professionals. If you chip your tooth, you goto a dentist. Right? If so, then why face your largest investment alone? Hire a loss mitigation professional today.

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Homeowners run into sad realities once they discover their home is in pre foreclosure or foreclosure. Amazingly, Loss Mitigation can help stop foreclosure, perhaps up to 100% of a homes value.

Foreclosure begins when something really bad happens - loss of employment, the passing of a family member, illness, catastrophe, divorce, drug problem, separation, family crisis, gambling, etc. The results are heartbreaking and often add up to the loss of a home. A family is on the street and family members start to blame each other.

Meanwhile, lenders place borrowers in the hands of their collection departments and they are relentless, calling at all hours, both at home and at work. Some subprime lenders even call neighbors. A few "A" lenders strive to be helpful and offer to review your file to see if a program can help.

Unfortunately, for the most part, homeowners are unaware of the guidelines for these unfamiliar programs and tell lenders what they think they want to hear.

"Typically, we discover that the bank's ‘policies’ that stop foreclosure differ from what the law allows for. Since most people are new to the foreclosure process they can’t make their best case. It appears that banks take advantage of the fact that most homeowners are unaware of the process."

Since foreclosures are legal issues printed in local newspapers, homeowners will typically find some interesting folks drawn to their ‘foreclosure opportunity’.

Fifty or more attorneys write to say bankruptcy is the only way to save their home. Forget that bankruptcies commonly fail, as homeowners are required to pay all creditors, all those old IRS taxes, medical bills and credit cards long-forgotten.

Homeowners need to understand that their credit will be damaged for the next 7 to 10 years since both a foreclosure and a bankruptcy will appear on them.

Home owners need trustworthy professionals. Most homeowners are able to solve their financial troubles in a short time. They frequently can handle their bills but are $10,000 to $30,000 behind on their home loan and their lender won’t take partial payments. Often times, they have saved some money from the nonpayment but still are losing their home.

So how can you stop foreclosure for the 1,000,000+ families going into foreclosures this year? One at a time…

The answer for the majority of home owners is simple. "When people injure their foot they go to a foot specialist, when they are faced with legal matters they retain an attorney and they see a dentist for teeth care. The clear choice when confronted with a home foreclosure is to leverage the years of experience that a professional Loss Mitigation Specialist has". Not to mention the fact that this is the least stressful and most cost effective option. In fact, a good specialist will not charge for the first consultation, this will allow a homeowner the opportunity to see if they are candidates for the program.

There are several options for a homeowner in foreclosure and a stop foreclosure Specialist will uncover their best choice. Their vast understanding and skill set typically help home owners out of foreclosure 98% off the time. Perhaps some homeowners have enough equity to do a "foreclosure bail out" loan. Others may need the services of a real estate company that can work to sell a home in a timely manner to avoid foreclosure.

Lenders may offer a solution directly to a home owner but it is designed with the bank's best interest in mind and frequently requires borrowers to meet impossible underwriting guidelines. Typically they approve plans that are outside a home owner’s budget. "The trick is to force the lender to approve a plan that is in the best interest of the home owner and their ability to pay their mortgage".

The goal is to come out of the foreclosure as fast as possible and within a short time refinance with a "B/C" loan and this will improve your credit. Lenders can lend from 80 to 90 percent of a homes value once the foreclosure has been resolved. Within a year, home owners often discover they are qualified for an "A" loan once their credit has improved.

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Loss Mitigation helps foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every homeowner’s situation is unique and each lender has their own policies regarding the use of these programs to stop foreclosure.

Our extensive experience and solid working relationships with mortgage lenders allows us help homeowners avoid the common pitfalls that many encounter while trying to work things out directly with their lender.

After performing a thorough assessment of homeowners personal finances and analyzing lender’s loss mitigation policies our professional loss mitigators will negotiate with lender to get homeowner the best possible solution to home foreclosure problem.

We help homeowners save their home and credit history through a variety of loss mitigation options stop your foreclosure now.

Stop Foreclosure <=click here

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