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MINDY YONG
( +65 ) 91002985
mindy@mindyyong.com ( email me )

http://www.expatsrental.com

新加坡房地产, 买卖，租赁，投资，新加坡产业

买卖及租赁新加坡房地产，包括私人产业，住宅公寓，商业及工业财产，用于买卖或租赁的组屋。外国投资者，租户或移民者可以容易的找到他们理想的土地房屋，住所，平房，阳台房，单元房，市政厅，私人公寓，组屋，住屋与开发公司，办公室，商店，工厂，货仓，工业用地，这里应有尽有。

Mindy Yong 杨雯诗
mindy@mindyyong.com
(+65) 91002985

http://www.expatsrental.com

Duration : 0:1:18

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Home Loan Modifications Negotiated by Licensed Attorneys. Real Estate & Mortgage Laws and Guidelines are Complex. Beware of the Banks Loss Mitigation Department. Go To http://RealEstateMarketingThisWeek.com

Part 1 (Excerpt)

Why you should use a licensed attorney to negotiate your loan modification

Dan Havey thanks for taking the time to be with us tonight. Thank you Michael for having me and you are absolutely right 2008 for many people was a very tough year. Tough year for pretty much everybody that I know, how many banks have we lost in 2008? Hopefully the bleeding is gone; hopefully there arent too many more banks to fail. Quite a few banks have picked up some of the slack, but the reality of it is so many people have been faced with such hardships, we have solutions that we are maybe going to talk about today that they can look forward to, to make 2009 a great year.

Definitely that is what we are doing here with your organization at Velocity Financial and with the Modification Hotline and with many of the other things I am working on right now to help people out. When I first got into this business it was back in the late 80s, I moved here from Wisconsin after getting a degree in finance and I started selling repos for Fannie Mae, Countrywide, and the RTC. The Resolution Trust Corporation was responsible for getting rid of all the real estate owned by the over 1,800 S&Ls that failed. So I cut my teeth selling those reposed properties and got to know a lot about the laws and worked with a lot of attorneys and then in the mid 90s I moved into the mortgage business, and I immediately started there working with bankruptcy attorneys for the most part.

I was helping people get out of their bankruptcies, chapter 13 bankruptcies, to avoid bankruptcies, to stop foreclosures and I did that up until the fall of 2007 and at that point the market really changed for me as we know most of the subprime financing went away. Some people might look at me and say, my god you gave people subprime loans, well if you are in a chapter 13 bankruptcy and your payment to the trustee is $1,500 a month and I can get you out of bankruptcy and reduce your total monthly outlay by $1,200, your mortgage payment would go up a little bit, I think this is a really good use of a subprime loan. And I certainly never had any complaints from anyone when I got them out of bankruptcy or I stopped their foreclosure and saved their home.

So late last year I moved out of the mortgage business for a while but I never really left it because it is pretty much what I have done my entire adult life. Over 20-25 years I have been involved with real estate, mortgages and finance and I worked for a while for about 6 months last year on a model for an idea that we came up with of being able to accurately predict the top and bottom of all real estate markets and we perfected it for Arizona and most of California. It worked really well to the point that we could actually predict the bottom of the market 6 months in advance and then after the bottoms hit all across the country we kind of stopped working on it.

It is one of the things I am going to start working on again over the next few months. The title of the book is Real Estates Future and you can go to my website at http://realestatesfuture.com and get a copy of that if you want to, it is not available yet but just put in your information and I am going to give away a whole bunch of free copies of it.

The reason why I went through this entire story is because a few months ago Michael and Velocity Financial came to me and said he was going to do loan modifications and I had been approached by other people and I had seen a bunch of garbage on the internet and the thing that he said to me that sold me was, You know Dan, you have to understand, were using attorneys to negotiate these loan modifications.

And that is, I didnt mean to interrupt but that is the key; that is one of the reasons it took us so long to get in. Even though Velocity Financial was at the very beginning of this mad craze, heck you cant drive down the street without seeing a sign that says loan mod, kind of like back in 2006 in the heyday of the mortgage business where you couldnt drive down the street and see a sign that said, if your mortgage payment is more than 1% you are paying too much. Well now everybody is jumping into the loan modification game and it is dangerous.

And that is exactly it, it is every unemployed loan officer has gotten into the loan modification game and I guess I am guilty of the exact same thing. It is just after having 20 years experience of working with attorneys, I know what they are capable of doing, I know how they can go in and negotiate and the biggest thing is they are there to protect the home owner, to protect the consumer, to protect their client because they have a fiduciary responsibility to that client…

Duration : 0:6:29

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A foreclosure auction may seem like a one stop shop to pick up a foreclosed property after looking at several. But you can also find foreclosures through a real estate agent and do a market comparison to see if you’re really getting a good deal. Learn about one agent’s visit to a foreclosure auction.

Duration : 0:1:47

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Part 8 of the “Solving the Square Footage Puzzle” series, this session discusses the details of the American Measurement Standard. What is it? Who is it for? Can it really help to protect agents and consumers from square footage liability? Find out how the AMS is changing the “language of real estate.” One method that agents and appraisers can agree on, can change the reliability of the MLS information system.

Duration : 0:2:6

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Part 8 of the “Solving the Square Footage Puzzle” series, this session discusses the details of the American Measurement Standard. What is it? Who is it for? Can it really help to protect agents and consumers from square footage liability? Find out how the AMS is changing the “language” of real estate. One method that agents and appraisers can agree on, can change the reliability of the MLS information system.

Duration : 0:1:39

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Learn the one common denominator in all Automated Valuation Models/Services (AVMs). Youll quickly see that when working with something as important as real estate, you need professional help. Part 4 of 4 part series.

Duration : 0:1:14

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