Como Ahorrar Dinero con Extreme Couponing - El programa de televisión
llamado “Extreme Couponing”, que demuestra el interés de las personas en
ahorrar algo de dinero. Pero lo cierto es que esta no es una situación
unicamente de Estados Unidos.
|
|
|
Feb 2012 - ImpreMedia, la compañía líder hispana en noticias e información, anunció
hoy el relanzamiento de sus sitios de Internet con contenido mejorado,
navegación y funciones multimedia.
|
|
|
Feb 2012 - The Obama administration is trying to fix a stubborn drag on
the economy by allowing all homeowners to refinance their mortgages at
lower interest rates even if they owe more than their homes are worth,
tackling a difficult issue of vital concern in states key to President
Barack Obama's re-election.
|
|
 How to Avoid Real Estate Foreclosures - Your first step is to call your mortgage lender. If you are having a difficult time paying your mortgage on time, it's important to call your lender immediately, before things can get bad which can lead to a real estate foreclosure. Your biggest ally if you encounter difficulty paying your mortgage on time is often your lender.
Your mortgage lender has options to help you stay in or sell your home. These options include forebearance, repayment plans and loan modifications as well as relief under the new Federal housing plan. You can find their contact information on your mortgage statement or coupon book.
Working With Your Lender to Stop Foreclosure
When you call your lender, be sure to have your account information handy and be ready to give a summary of the financial problems you are having. You should also have recent income statements and your household budget with you.
|
|
|
About Foreclosure Prevention Counseling - A report from the U.S. Department of Housing and Urban Development found a 55% increase in the number of families receiving foreclosure prevention counseling between 2006 and 2007, with growth expected to be much higher in 2008. |
|
- Home value decreases impact investors more than homeowners. Some walk away
- Investors purchased 20% of homes in 2007, 33% in 2005.
- Many bought invested in homesin hot markets like California, Florida, Nevada and Arizona.
- Risky home loan products that don't require down payments or proof of income.
- Some home loans allowed the borrower to pay only the interest on the loan.
- More than 30% of properties in the foreclosure process are owned by someone with a different address.
- U.S. Government programs are designed for real estate investors.
|
|
- Decreased Home Values are creating "negative equity".
- "Real estate Speculations" Many think of their homes as an investment, rather than a place to live.
- Prices are plummeting, especially in once-sizzling markets like California, Florida and Nevada.
- Median home price in the U.S. dropped 9% in Sept 2008. Down 17% from the peak in July 2006.
- 23% of homeowners with a mortgage owe more on their loans than their homes are worth.
- Some home owners will mail their keys to their lender which leads to a foreclose.
- Huge levels of "Negative Equity" People who owe more than their homes are worth.
- Apply for "Mortgage Loan Modification" if you are in a "negative equity" situation.
- Refinancing is not available for "negative equity" home owners.
- Loan modifications vary depending on many conditions, but can include deferring payments, allowing partial payments, lowering the interest rate and lowering the principal balance.
|
|
|
