Helping Homeowners From Foreclosure

10 Ways to Alleviate the Stress of an Unaffordable Mortgage...

Sat, 04 Feb 2012 11:42:42 GMT

10 Ways to Alleviate the Stress of an Unaffordable Mortgage...

As a CDPE, I can navigate a homeowner through a variety of options. Below I’ve listed some of the most common alternatives to foreclosures that homeowners can choose from:

Reinstatement
·· Benefit: Does not require the mortgage company or lender’s approval.
·· Drawback: Requires that a homeowner be able to pay all back payments and fees.

Forbearance or Repayment Plan
·· Benefit: Allows the homeowner to make back payments over time.
·· Drawback: Requires that a homeowner be in a financial position to pay not only their current mortgage, but also a portion of the back payments owed.

Mortgage Modification
·· Benefit: Reduces the payment a homeowner is required to make on a monthly basis and may reduce the principal balance of the loan
·· Drawback: Requires that a homeowner qualify for the new payment and will often require full documentation.

Rent the Property
·· Benefit: Allows homeowner to keep property indefinitely.
·· Drawback: The issues that can arise with a rental property are many, and rent often may not cover the full cost of property ownership and maintenance.

Deed in Lieu of Foreclosure
·· Benefit: Many times in a successful deed in lieu, the lender will fore-go their right to a deficiency judgment.
·· Drawback: Requires that a homeowner vacate the property,and a deed in lieu may be reported to credit bureaus as a foreclosure.

Bankruptcy
·· Benefit: Does not require lender approval.
·· Drawback: If a homeowner cannot afford their mortgage payment, a bankruptcy will only stall—not stop—the foreclosure process.

Refinance
·· Benefit: In some cases, this will lower payments.
·· Drawback: In today’s market, refinancing will almost always raise mortgage payments and is an expensive process.

Sell the Property
·· Benefit: Allows homeowner to avoid foreclosure and harvest some of their equity.
·· Drawback: In many cases today, homeowners do not have sufficient equity to sell their property without negotiating a short sale (see next solution).

Short Sale
·· Benefit: A short sale allows the homeowner to avoid foreclosure and salvage some of their credit rating. This also keeps foreclosure off the individual’s public record, and in many cases will allow the homeowner to avoid a deficiency judgment. Borrower may qualify for another mortgage in as little as 24 months (as opposed to five years for a foreclosure).
·· Drawback: Short sales can be a trying process in which a homeowner is best served by contracting with a qualified real estate agent to guide the way.

Short Sale vs. Foreclosure
Short sales have become an extremely popular and effective method of avoiding foreclosure. It is an option that has received much media attention lately, with claims that it is basically the same thing as foreclosure. Don’t believe the media hype! The benefits of a short sale far outweigh the fallout of a foreclosure, as illustrated in the chart below:

Short sale:
Credit: 150-200 points
Employment: not visible on credit record
Security Clearance: no effect in most cases
Deficiency Judgment: have ability to negotiate non-deficiency
Ability to Buy Home in Future: 2-3 years under certain conditions

Foreclosure:
Credit: 200-300 points, on record 7-10 years
Employment: foreclosure on credit record
Security Clearance: on credit record, will affect in most cases
Deficiency Judgment: no ability to negotiate non-deficiency
Ability to Buy Home in Future: 3-5 years under certain conditions

Choose Freedom from the Stress of an Unaffordable Mortgage.

Join the hundreds of thousands of homeowners who chose to work with a CDPE to relieve themselves of unaffordable mortgages. I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let’s work together to put you back on the path of financial stability.

SPRING, Texas, January, 2011 -- Last week, the Office of the Comptroller of the Currency and the Office of Thrift Supervision released sobering figures in their joint quarterly report: A record 2.9 million U.S. properties received foreclosure filings in 2010, a two-percent increase over the previous year. American homeowners are struggling -- but short sale negotiation firm Trademark Loss Mitigation is helping to turn the tide.

Since 2003, Trademark Loss Mitigation has been providing no-cost short sale negotiations and processing for real estate agents and homeowners with distressed mortgages. Along with negotiating short sales, the company works with homeowners to gather and submit all paperwork associated with each case and can even purchase properties if foreclosure dates are looming and no buyers have been found.

Homeowners and their agents pay nothing for the service. Instead, Trademark Loss Mitigation collects its fees from lenders or buyers, and lenders pay all closing costs. As part of the settlement Trademark Loss Mitigation negotiates, lenders typically waive deficiency judgments -- the lawsuits lenders can bring against homeowners in certain states when the proceeds of the home’s sale do not cover the amount owed.

Contact:

Jim McNinch
Trademark Loss Mitigation
832-330-4588
jim@trademarklossmitigation.com
http://www.trademarklossmitigation.com
http://www.trademarkshortsale.com
http://www.trademarkforeclosureprevention.com
http://activerain.com/blogs/rs3

Jim McNinch

Trademark Loss Mitigation

"No Cost Short Sale Negotiations"

www.trademarklossmitigation.com

Jim McNinch

Trademark Realty

832-330-4588

Saving homeowners from foreclosure

Feeling Trapped by your Mortgage? Education Is Key!

Sat, 04 Feb 2012 11:32:10 GMT

Feeling Trapped by your
Mortgage? Education Is Key

When faced with unaffordable mortgage payments, your
house can feel more like a cage than a home. You may feel
trapped because it’s hard to know what to do to improve
your situation, and you may just want to give up.

Don’t give up!

The reality is you don’t have to be a prisoner to a
mortgage you can no longer afford. You have options and
you’re not alone. I can help you find the key to financial
stability through education and a greater understanding
of your alternatives.

Learning Your Options

You actually have many options when it comes to
seeking relief from challenging housing payments. When
reviewing the following list, think about which alternative
may be best for your specific situation.

Short Sales

Generally considered one of the most viable alternatives
to foreclosure, short sales allow homeowners to minimize
financial damage and move on from a burdensome,
unaffordable mortgage. In many cases, short sales allow
borrowers to qualify for a new mortgage in as little as two
years, as opposed to five years or more after a foreclosure.

The following are some of the
benefits of short sales:

• Avoid foreclosure at no cost to you
• Lesser impact on credit scores
• Security clearance protection
• No challenges to future employment
• Retain some control over the sale of your
property (vs. public auction)
• The ability to negotiate away a deficiency
judgment (collection of your mortgage debt)
• Shorter waiting periods to get another mortgage

FOR IMMEDIATE RELEASE

As Foreclosures Rise, Trademark Loss Mitigation Steps in to Help Homeowners

SPRING, Texas, January, 2011 -- Last week, the Office of the Comptroller of the Currency and the Office of Thrift Supervision released sobering figures in their joint quarterly report: A record 2.9 million U.S. properties received foreclosure filings in 2010, a two-percent increase over the previous year. American homeowners are struggling -- but short sale negotiation firm Trademark Loss Mitigation is helping to turn the tide.

Since 2003, Trademark Loss Mitigation has been providing no-cost short sale negotiations and processing for real estate agents and homeowners with distressed mortgages. Along with negotiating short sales, the company works with homeowners to gather and submit all paperwork associated with each case and can even purchase properties if foreclosure dates are looming and no buyers have been found.

Homeowners and their agents pay nothing for the service. Instead, Trademark Loss Mitigation collects its fees from lenders or buyers, and lenders pay all closing costs. As part of the settlement Trademark Loss Mitigation negotiates, lenders typically waive deficiency judgments -- the lawsuits lenders can bring against homeowners in certain states when the proceeds of the home’s sale do not cover the amount owed.

Contact:

Jim McNinch
Trademark Loss Mitigation
832-330-4588
jim@trademarklossmitigation.com
http://www.trademarklossmitigation.com
http://www.trademarkshortsale.com
http://www.trademarkforeclosureprevention.com
http://activerain.com/blogs/rs3

Jim McNinch

Trademark Realty

832-330-4588

Saving homeowners from foreclosure

Your First Steps To Avoid Foreclosure

Your First Steps

In today’s market, 1 in 7 homeowners is having trouble paying the mortgage. More than 70% of these homeowners proceed without seeking assistance or getting the facts. Many do not even realize that foreclosure is a process, and that there is time to make decisions that may result in a better outcome.

You are not alone. Millions of other homeowners nationwide are in the same circumstances. To assist you, I’ve prepared a free report outlining the first steps a homeowner should take when facing a foreclosure.

Fill out your information below for this free report. Don’t hesitate. Get back on track today!

Is Your Mortgage Payment Dragging You Down?

One in seven mortgages in this country is headed toward foreclosure.

If you or someone you care about is feeling burdened by a mortgage that is unaffordable, I can help.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, it is my mission to help homeowners avoid the financial devastation of foreclosing on their home. In the process, I help them move forward on a positive path. If you'd like to learn more, I invite you to access my free report: Is Your Mortgage Payment Dragging You Down?

As my report points out, there are currently 6.5 million mortgages in the country that are delinquent or in foreclosure. Stemming the tide of foreclosures has become a national priority because a foreclosure is nothing short of a disaster for all concerned – families, communities, the real estate market and the national economy as a whole.

As a CDPE, I am tapped into the most up-to-date solutions for financially distressed homeowners, and am distinctly qualified to work with you to determine your best possible option.

Contact me today and let's get started!

At the End of Your Rope?

Free report details 10 ways to alleviate the stress of an unaffordable mortgage payment.

Millions of homeowners across the nation are experiencing difficulties paying their mortgages. If you or someone you care about is feeling the stress of an unaffordable mortgage, please take the time to review the report found on this website.

As a Certified Distressed Property Expert (CDPE), I've been extensively trained to counsel and guide homeowners through their options. There are dignified solutions available to help people get back on path to financial stability. My clients have found strength in the knowledge that they are able to take an active role in avoiding foreclosure.

They know that avoiding foreclosure is key in providing for a brighter future. Foreclosure can wreak havoc on credit and affect current and future employment status in addition to many other long-lasting side effects. In the report, I demonstrate just how harmful foreclosure is in comparison to an extremely effective alternative called a short sale.

I can help you or someone you care about create a strategy for living a life without the burden of missed payments. Call me today, and let's work together to put you back on the path of financial stability.

Hidden Costs of Bankruptcy

Considering filing for bankruptcy? There may be alternatives you've never considered …

If you are having trouble paying your mortgage and are possibly considering bankruptcy, there may be better solutions for your particular circumstances. I've created the free report available on this page, "The Hidden Costs of Bankruptcy," to provide more information.

Alternatives to foreclosure, such as conducting a short sale and moving into a rental residence with less expensive payments, may offer the breathing room you need to reorganize your finances.

You should know that you have options, and that you are not alone. More than 25% of American homeowners now owe more than what their homes are worth, and millions more are having a hard time paying their mortgages.

To get your free report, fill out the form below and click Send. However, if your situation is urgent and you need immediate assistance, please don't hesitate to contact me.

I'm here to assist you.

Short Sale vs. Foreclosure

Foreclosure or Short Sale: Understand the Differences

Underwater on your mortgage? Facing foreclosure? Avoiding foreclosure through a short sale can have many benefits for your future financial stability.

I created this site to help spread the word about the options to avoiding foreclosure, and a short sale has many benefits. A successful short sale can reduce the damage to one's future loan eligibility, credit rating, employment, security clearance and more.

For a free report on the differences between short sales and foreclosure, fill out the form below and click "Send". If your situation is urgent, feel free to contact me immediately. I'm ready to help you take action and secure a more secure financial future.

As a CDPE-designated agent, I've been trained to pursue foreclosure alternatives, and I'm here to help.

Caution: Protect Yourself Against Mortgage Relief Scams

The Federal Trade Commission (FTC) has issued regulations protecting consumers against mortgage relief fraud. Due to the growing number of scams that are designed to take advantage of homeowners in distress, the government wants to make sure you won’t be a victim.

As a CDPE, I am fully compliant with the FTC regulations, and want to help you avoid being taken advantage of by unscrupulous individuals or companies, as well.

In fact, I’ve developed a free, detailed report that explains the warning signs of potentially fraudulent activity so you can protect yourself and the ones you love.

If you are facing an unaffordable mortgage and need help from someone you can trust, please contact me today.

I’m here to help.

Feeling Trapped by Your Mortgage?

Feeling trapped by your mortgage?

Education is the Key

If you or someone you know feels like a prisoner to unaffordable mortgage payments, you should know that education may be the key to financial freedom. You have options available that can help ease the worry of making payments or losing your home to foreclosure.

To find out more about the options you have to choose from, download the free report I've created at the bottom of this page.

In fact, this entire website has been created exclusively for homeowners like you who need a trusted source for viable solutions to foreclosure.

If you have questions about the information you find here, or would like to get started in creating a plan, call me today.

The more proactive we are, the better chance you'll have in finding financial freedom and stability.

7 Short Sale Myths

There are millions of homeowners just like you who are looking for answers and don’t know what to do. You’re not alone and you’re in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there’s still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I’ve prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you’ll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Jim McNinch
(832) 330-4588

Government Program Surveys

Are You Eligible?

The government programs currently available to homeowners can be valuable resources, but only if you know which ones are right for your situation.

That’s why I’ve created this free resource that lets you find out which programs you’re eligible for. Read the descriptions for each program to see which one fits your situation, then fill out the corresponding survey to see if you are eligible.

Are you eligible?

The good news is that programs exist for a variety of situations, and even more options are available beyond those programs. As a CDPE-designated agent, I can provide all of your possibilities and help you get moving toward a solution.

Short Sales vs Foreclosure

Short Sales vs. Foreclosure

Making the Right Choice for a Stable Future

The US housing crisis has claimed millions of victims. Unfortunately, many homeowners are losing their homes to the bank because either they think that a short sale will have the same financial effect as a foreclosure or they don't know their options.

The good news is that homeowners don't have to navigate this process on their own. I am available for those who need my expertise to get back on the path to stability.

If you, or someone you know has questions about this information, or would like to get started creating a plan, call me today.

The more proactive we are, the better the chance of finding financial freedom and stability.

Missing Mortgage Payments? It's Never Too Late!

Missing Mortgage Payments?

It's Not Too Late!

According to Lender Processing Services (LPS), over 6.32 million homeowner missed their mortgage payments in April 2011. Another four million have missed more than three months of payments and are now considered seriously delinquent. If you or someone you care about is having difficulty making mortgage payments, you should know it's not too late to get help.

I created this website so homeowners could gather as much information as possible about a homeowner's options and what steps should be taken next. The free reports available on this site are phenomenal resources for you to learn more about how I can help overwhelmed homeowners overcome this temporary challenge in life.

Strategic Defaults are NOT Strategic

Walking Away Is NOT The Answer

You may have heard that a “strategic default” can be an appropriate and even beneficial reaction to an upside-down mortgage or impending foreclosure. While this idea is widespread, the truth is that default is never an easy road to choose, and rarely ever strategic.

Unfortunately, the ramifications of a “strategic default” are rarely explained, leaving many homeowners stranded on an island of misinformation. To assist you, I’ve prepared a free report outlining the myths and misrepresentations of strategic defaults.

Fill out your information below for this free report. Don’t hesitate. Get the facts today!

Make Financial Stability Your Resolution

Foreclosure Stress Never Goes on Holiday

If a foreclosure is threatening your happy holiday, you should know you're not alone. Millions of Americans are in the same situation, and it is my goal to help ease the stress that comes with the threat of foreclosure for as many as I can reach.

As a CDPE-designated agent, I help struggling homeowners navigate the various options they have to avoid foreclosure. One possible option is a mortgage modification, which makes monthly payments more affordable.

For more information regarding this and other solutions, please download the free report located on this site.

If you need immediate assistance, please feel free to contact me throughout the holiday. I'm here to help. Make financial stability your resolution for the New Year!

Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

A Dignified Solution

You Deserve a Dignified Solution

The economy today has been especially hard on homeowners. I meet people every day who thought they made a responsible decision on their mortgage loan, only to be hit with the unexpected.

The first and best move to make in this position is to educate yourself on what your options are based on your financial situation. Avoiding foreclosure is always something worth pursuing if you can, and there really are dignified alternatives available.

To get my free report on all the options and benefits of avoiding foreclosure, fill out the form below and click "Send". If you need immediate assistance, please contact me right away.

I'm here to help.

On the Edge of Losing Your Home?

When you or someone you know is pushed to the edge of foreclosure, it is vital to know that you have options.

It is my duty as a real estate professional to reach out to distressed homeowners. As a CDPE-designated agent, I have received extensive training to help homeowners avoid foreclosure.

I created this site to provide a lifeline of information regarding alternatives. From short sales to loan modifications, I can provide information to help.

For a free report on foreclosure alternatives, fill out the form below and click "Send." Take action today and avoid falling into foreclosure. I'm only a phone call or email away.

Feeling Financially Squeezed

Feeling Financially Squeezed?

Escape the Grip of Forecloure

If you are struggling with the emotional stranglehold of foreclosure, I'm here to help. With my assistance, we can start the process of putting you back on the path to stability.

As a CDPE, I have extensive training to serve the needs of homeowners in circumstances where they feel they have no options. The reality is that you have many.

Because millions of Americans are struggling with unaffordable mortgage payments, lenders are more than ever encouraged to work with homeowners to find a solution that benefits all parties.

To find out more about foreclosure alternatives that are available to you, click and download the free report I've created on this website.

Call me today. The sooner we get started the more time we'll have to devise a strategy to help you breathe a little easier and restore hope for the future.

Mortgage Crisis Easier

Solving Your Mortgage Crisis Just Got Easier

If you are having trouble making your mortgage payments, the strain of figuring out what to do can be overwhelming.

Why do it alone when you can have a dedicated, extensively trained professional on your side at no cost to you?

Both lenders and the federal government are putting new systems in place to help you avoid foreclosure. For access to free, detailed information explaining these programs, simply download the report below.

On this website, you can find information regarding all of your options. When you call me to find out what you can do to take advantage of these options, I will show you how having straightforward solutions to your mortgage challenge can help you to breathe a little easier.

For more specific information and to see if you qualify, please, call me today! The sooner you call the sooner you can breathe a sigh of relief!

Need a Helping Hand?

Compassion and connections to untangle your complicated mortgage challenges

If you or someone you care about is falling behind on your mortgage and owes more on your home than it is worth in today's market, you are not alone.

In fact, 6.3 million homeowners are in some stage of foreclosure right now.

As my recent report points out, there are currently 10.9 million homeowners in the United States who owe more on their mortgage than their home is worth in today's market.

Far too often, homeowners in this situation feel that they have no other choice but to let their home fall into foreclosure.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am tapped into the best solutions for helping financially distressed homeowners to make a fresh start. If you'd like to learn more, I invite you to access my free report: "Need a Helping Hand? If the market and your mortgage have tossed you a curve, you are not alone."

Contact me today and let's get started!

Don't Walk Away From Your Mortgage

Stop Don't Walk Away From Your Mortgage

At a Crossroads?

Walking away or "strategically defaulting" on your mortgage is not the answer. You will find that there is nothing strategic about foreclosure, especially when there are solutions to avoid it.

I've developed a free, detailed report on foreclosure alternatives you can download below. Download it today and give yourself a green light for a solid financial future.

The sooner you take this step, the more time you'll have to act and move toward a more promising tomorrow.

Are You Living Under the Cloud of an Unmanageable Mortgage

An Unmanageable Mortgage Clouds Everything

When families are tapped out financially and faced with the uncertainty of not knowing how much longer they'll be able to stay in their home, the prospect of planning or having a positive outlook on the future seems out of the question.

Many financially strapped homeowners feel frozen in action and it's no wonder, but here's the most important point that you need to know:

Even though millions of homes have been lost to foreclosure, you and those you care about absolutely do not need to add to that statistic.

More help is available now than ever before.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, I am adept at navigating among the full range of solutions for helping financially distressed homeowners to make a fresh start.

If you, or someone you care about is looking to get out from under the cloud of unmanageable mortgage contact me today for a confidential consultation!

Avoiding Mortgage Modification Fraud

I Am An Agent Against Mortgage Fraud!

The last thing struggling homeowners need is to be victimized by fraud. Sadly, some people are praying on those who need help the most. Today, the real estate industry is the newest, biggest target for predatory schemes. In fact, the U.S. Attorney General, Eric Holder, stated that mortgage fraud cases are 400 percent higher than they were five years ago.

With nearly 1 in 6 homeowners unable to pay their mortgages, understand that you are not alone. Knowing your legitimate foreclosure-avoidance options is the best way to fight this terrible trend.

The report on this site will tell you how to avoid mortgage fraud schemes, as well as what solutions are available to you. Enter your information below and get the facts now!

Understanding HAFA

New Help Has Arrived!

The rising number of foreclosures in this country is simply too big to ignore. That is why a government-backed program has been released that aims at streamlining foreclosure avoidance options.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier, quicker and more accessible through the Home Affordable Foreclosure Alternatives Program, or HAFA.

With one in six homeowners struggling to make mortgage payments, you are not alone, and there are options available. With the free report provided here, find out if you qualify for the HAFA Program. Simply fill out your information below to get started on your new chapter of financial stability.

Please read this report to learn the facts, and contact me to begin your journey to a solid, stable tomorrow.