Posts Tagged ‘Venice’
Florida Foreclosure Defense Lawyers for Foreclosure DefenseShort Sales, Renegotiations, Reinstatements, Deeds in Lieu of Foreclosure
Florida Mortgage Modification AttorneysA Florida mortgage modification can help with a: reduction or change in the loan’s interest rate, reduction in the loan’s principal, reduction or elimination of late fees and penalties for non-payment, reduction in your monthly payment, temporarily stop making payments, or extend the time for making payments. Call our foreclosure defense lawyer network for a qualified foreclosure defense because a successful foreclosure defense may prohibit or delay the foreclosure process. It may induce a lending institution to negotiate a loan modification that allows you to stay in your home. This is the goal
In trouble from an online payday loan? You might not have to repay it
Foreclosures are back on the rise in Florida. it is simple; the bank owns your home and you must pay your monthly mortgage payment. When you fall behind the bank takes back your home. In a sense it is on loan to you.
Our attorneys are ready to help you with: Alachua County foreclosures, Baker County foreclosures, Bay County foreclosures, Brevard County foreclosures, Broward County foreclosures, Charlotte County foreclosures, Citrus County foreclosures, Clay County foreclosures, Collier County foreclosures, Columbia County foreclosures, Duval County foreclosures, Escambia County foreclosures, Flagler County foreclosures, Franklin County foreclosures, Gadsden County foreclosures, Gulf County foreclosures, Hendry County foreclosures, Hernando County foreclosures, Highlands County foreclosures, Hillsborough County foreclosures, Indian River County foreclosures, Jackson County foreclosures, Lake County foreclosures, Lee County foreclosures, Leon County foreclosures, Levy County foreclosures, Manatee County foreclosures, Marion County foreclosures, Martin County foreclosures , Miami-Dade County foreclosures, Monroe County foreclosures, Nassau County foreclosures, Okaloosa County foreclosures, Okeechobee County foreclosures, Orange County foreclosures, Osceola County foreclosures, Palm Beach County foreclosures, Pasco County foreclosures,Pinellas County foreclosures ,Polk County foreclosures, Putnam County foreclosures, Saint Johns County foreclosures, Saint Lucie County foreclosures, Santa Rosa County foreclosures, Sarasota County foreclosures, Seminole County foreclosures, Sumter County foreclosures, Volusia County foreclosures, Wakulla County foreclosures, and Walton County foreclosures. Get the help you need and keep your home.
- Loan modification Help
- Foreclosure defense help
- Bankruptcy is ther last resort
Florida foreclosure is on the rise according to the Sun Sentinel. Highest rates of foreclosure appear to be in South Florida. The South Florida counties include Dade, Broward and Palm Beach and the cities as far south as the Florida Keys, Homestead, Miamai, Miami Beach, Hollywood, Fort Lauderdale, Boca Raton, Coral Springs, Deerfield Beach, Delray Beach, Boynton Beach, West Palm Beach as well as smaller communities. Foreclosure on the rise in Stuart, Vero Beach, Port St Lucie> Okeechobee, Daytona, Melbourne, Titusville, Jacksonville, Kissimme, Orlando, Ocala and across thru Winterhaven, Tampa, Clearwater, and Ft Myers.
South Florida foreclosures increase in August
By Paul Owers September 13, 2012 11:55 AM
Foreclosures in South Florida and across the state continue to increase following a slowdown last year.
Broward County experienced a 29 percent increase in the number of foreclosure starts in August compared to the same time a year ago, according to the RealtyTrac listing firm said. In Palm Beach County, the number of new cases jumped 35 percent.
RealtyTrac of Irvine, Calif., monitors public records for foreclosure starts, scheduled auctions and bank repossessions.
Florida had the nation’s second-highest foreclosure rate after Illinois, with one in every 328 housing units receiving a notice last month. Foreclosure starts rose 26 percent in the Sunshine State from August 2011.
Lenders temporarily halted many new cases in 2011 after bank employees admitted under oath that they used faulty paperwork to repossess homes. Banks have since resumed those foreclosure filings, five years after the crisis began.
“This is not winding down quite yet,” said Daren Blomquist, a spokesman for RealtyTrac.
The Federal Housing Finance Agency announced this week that San Diego-based Pacifica Companies was the winning bidder on 699 foreclosed homes across Florida. Pacifica made an initial payment of $12.3 million and will share in the ongoing cash flow of the properties.
It was the first bulk sale announced as part of a government program to unload foreclosed properties.
Meanwhile, California research firm CoreLogic on Wednesday said more than 10.8 million homes nationwide are worth less than the mortgages, down from 11.5 million a year ago.
In Palm Beach County, 42 percent of homes are “underwater,” while 44 percent of Broward homes are worth less than what’s owed.
If you are in trouble and fear losing your home call the Foreclosure Defense Helpline today.
7050 W. Palmetto Park Road, Boca Raton, FL 33433
Attorneys who cover Boca Raton, Delray Beach, and Palm Beach County
1401 Broadway, New York, NY 10018
20 N.Orange Ave, Orlando, FL 32801
Attorneys who cover Orlando, Winter Park, Winterhaven, Kissimmee,Ocala,Atlamonte Springs,Deland,Melbourne, Daytona. Orange,Osceola,Seminole,Lake,Volusia, Polk and Brevard Counties
5713 Corporate Way, West Palm Beach, FL
Attorneys who cover: Lake Worth, West Palm Beach, Jupiter, Stuart,Port St Lucie, Okeechobee, Belle Glade, Vero Beach, Palm Bay Palm Beach, Martin, St Lucie and Indian River counties
200 Biscayne Blvd., Miami, FL 33131
Attorneys who cover Miami, Hialeah, Miami Beach and the Florida Keys including all of Dade and Monroe counties
110 E. Broward Blvd., Ft. Lauderdale , FL 33301
Attorneys who cover Hollywood,Fort Lauderdale,Pompano, Deerfield Beach, Coral Springs and all of Broward County
3630 W. Kennedy Blvd., Tampa, FL 33360
Attorneys who cover Tampa, Brandon, Clearwater, St Pete, New Port Richey, Brooksville, Sarasota, Naple, Venice, Bradenton, Fort Myers, Cape Coral and all of Hernanado, Citrus, Pasco, Pinnellas, Hillsboro, Sarasota, Manatee, Lee and Collier counties.
10151 Deerwood Park # 200-250, Jacksonville, FL
Attorneys who cover Jacksonville, Jacksonville Beach, St. Augustine, Orange Park all of Northeast Florida including Marion Sumter, Flager and Duval counties. Also Attorneys who cover Northwest Florida including: Tallahassee, Pensacola, Panama City and Starke.
Home Affordable Refinance Program (HARP)
If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through MHA's Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.
Florida Mortgage helpline is currently launchng a program to help with mortgage modification and refinances.
The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program, which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301 or downloading their free booklet, "Use Your Home to Stay at Home," a guide for older homeowners who need help now. It is smart to know more about reverse mortgages, and decide if one is right for you!1. What is a reverse mortgage?
A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.2. Can I qualify for FHA's HECM reverse mortgage?
To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.3. Can I apply for a HECM even if I did not buy my present house with FHA mortgage insurance?
Yes. You may apply for a HECM regardless of whether or not you purchased your home with an FHA-insured mortgage.4. What types of homes are eligible?
To be eligible for the FHA HECM, your home must be a single family home or a 2-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.5. What are the differences between a reverse mortgage and a home equity loan?
With a second mortgage, or a home equity line of credit, borrowers must have adequate income to qualify for the loan, and they make monthly payments on the principal and interest. A reverse mortgage is different, because it pays you – there are no monthly principal and interest payments. With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.6. Will we have an estate that we can leave to heirs?
When the home is sold or no longer used as a primary residence, the cash, interest, and other HECM finance charges must be repaid. All proceeds beyond the amount owed belong to your spouse or estate. This means any remaining equity can be transferred to heirs. No debt is passed along to the estate or heirs.7. How much money can I get from my home?
The amount you may borrower will depend on:Age of the youngest borrower
Current interest rate
Lesser of appraised value or the HECM FHA mortgage limit of $625,500 or the sales price; and
Initial Mortgage Insurance Premium–your choices are HECM Standard or HECM SAVER
You can borrow more with the HECM Standard option. In addition, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select the online calculator from the HECM Home Page. Many online reverse mortgage calculators can provide you with an estimate of the amount of funds you can borrow.8. Should I use an estate planning service to find a reverse mortgage lender?
FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA-approved lender. You can locate a FHA-approved lender by searching online at www.hud.gov or by contacting a HECM counselor for a listing. Services rendered by HECM counselors are free or at a low cost. To locate a HECM counselor Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you9. How do I receive my payments?
You can select from five payment plans:Tenure- equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
Term- equal monthly payments for a fixed period of months selected.
Line of Credit- unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted.
Modified Tenure- combination of line of credit and scheduled monthly payments for as long as you remain in the home.
Modified Term- combination of line of credit plus monthly payments for a fixed period of months selected by the borrower.
10. What if I change my mind and no longer want the loan after I go to closing? How do I do this?
By law, you have three calendar days to change your mind and cancel the loan. This is called a three day right of resciession. The process of canceling the loan should be explained at loan closing. Be sure to ask the lender for instructions on this process. Mortgage lenders differ in the process of canceling a loan. You should ask for the names of the appropriate people, phone numbers, fax numbers, addresses, or written instructions on whatever process the company has in place. In most cases, the right of rescission will not be applicable to HECM for purchase transactions.
call the Florida Mortgage helpline now for refinancing, reverse mortgage and purchases in We have Florida mortgage helpline representatives iready to help you for the following Florida cities: Belle Glade, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Clearwater, Coral Gables, Coral Springs, Daytona Beach, Deerfield Beach, DeLand, Delray Beach ,Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Haines City, Hallandale Beach, Hialeah, Hollywood, Homestead, Immokalee, Jacksonville, Key West, Kissimmee, Lakeland, Largo, Melbourne, Merritt Island, Miami, Miami Beach, Naples, New Smyrna Beach, Ocala, Orlando, Ormond Beach, Palm Bay, Panama City, Pensacola, Plant City, Pompano Beach, Port Charlotte, Port Saint Lucie, St Cloud, St. Petersburg, Sarasota, Spring Hill, Starke, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, Pensacola, Winter Haven, Winter Park,
Foreclosure defense Helpline and Foreclosure Lawyers.Foreclosure defense lawyers thru-out Florida ready to help you if you are losing your home. A foreclosure defense lawyer can help you fight a bank foreclosure
Foreclosure defense Attorney Network has a Foreclosure Helpline for People losing their home. Foreclosure Defense Helpline can connect you with a Foreclosure lawyer to help you fight the foreclosure process
FOR IMMEDIATE RELEASE
PRLog (Press Release) – Feb 29, 2012 – With the country still in economic straights more and more people are facing foreclosure. A loan modification is the first step in preventing foreclosure. If you have missed this crucial step foreclosure defense is your next option. The Foreclosure Defenses and loan Modification Helpline is exactly that. It is a resource for people in fear of losing their home. The line is monitored by a social worker not a lawyer or a law firm intake person. According to the Foreclosure helpline" a social worker is best equiped to deal with people initially who are undergoing foreclosure stress". First come s the calming stage then comes the action stage". " Our callers are frightened and many of them never thought this would ever happen to them"' They cannot even think straight and need guidance to the next step which is getting them to a foreclosure defense lawyer". " Many of our callers are actually afraid of lawyers"."they are calling with a notice from their condo Board lawyer, Bank , Lending institution or have come home to a lock box on theor door". They need foreclosure defense help and they need it Fast."
This is a new concept. Foreclosure Defense Attorney Network has expanded to a series of Networks and Helplines for people. Serious times cause for serious actions. People seem to need help, A Foreclosure Defense helpline is the sign of the times. The Foreclosure Helpline can be reached at 1 877 522 2123 The Foreclosure defense helpline operates in:
Foreclosure Attorney in Belle Glade, Boca Raton, Bonita Springs, Foreclosure defense Boynton Beach, Bradenton, Cape Coral, Clearwater, Coral Gables, Coral Springs, Daytona Beach, Deerfield Beach, DeLand, Delray Beach ,Fort Lauderdale, Fort Myers, Fort Pierce, Fort Walton Beach, Gainesville, Haines City, Hallandale Beach, Hialeah, Hollywood, Homestead, Immokalee, Jacksonville, Key West, Kissimmee, Lakeland, Largo, Melbourne, Merritt Island, Miami, Miami Beach, Naples, New Smyrna Beach, Ocala, Orlando, Ormond Beach, Palm Bay, Panama City, Pensacola, Plant City, Pompano Beach, Port Charlotte, Port Saint Lucie, St Cloud, St. Petersburg, Sarasota, Spring Hill, Starke, Tallahassee, Tampa, Tarpon Springs, Titusville, Venice, Vero Beach, West Palm Beach, Pensacola, Winter Haven, Winter Park, Foreclosure defense lawyers ready to help you.
Homes for the price of a car
By Erika Riggs, Zillow
April 2, 2012
A house for the price of an SUV? That’s plausible, given the dip in housing. But a home for the price of a Ford Fiesta?
Whoa. Now there’s a value-bending proposition.
While most people don’t think of real estate in prices relative to that of a car, there are houses in some parts of the United States that are for sale with listing prices just like what you’d see at an auto dealership.
And we’re not talking about a house priced at the median home value of $150,000, which is akin to the sticker price of an Aston Martin. The homes featured below compare more favorably to standard highway fare: Nissans, Hondas, Fords, etc.
Some of these properties are distressed sales — either foreclosed or in the midst of a short sale — and some need a little renovation, but that’s still a pretty impressive given that they’re all comparable to the price of a new car. Are we ready for another real estate decline and more foreclosures?
Today, more than 6 million homeowners are behind in their mortgages and foreclosures rose in 21 states. Tampa, Florida alone, just had a 64% rise in foreclosures. In other words, the “Floodgates are opening up on foreclosures, and there’s no way slowing the wave down.” In 2012, we will have more foreclosures processed than the all-time high in 2010. If you need a foreclosure defense lawyer call our Foreclosure defense helpline today.
Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?
You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.
If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt settlement is yet another option. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future.
Debt Relief Attorney Network Debt Settlement Services
Debt settlement is a debt relief strategy for those who can afford to pay something towards their debts, but not the full amount, and for those who want to avoid filing bankruptcy.
Debt Consolidation Programs Debt consolidation is a process of replacing multiple debts with an affordable single monthly payment. It helps you lower your interest rates and monthly payments. This in turn assists you get out of debt with ease. Call our debt consolidation department today.
MAKING HOME AFFORDABLE Mortgage Modification Programs
Making Home Affordable (MHA) is the Obama Administration's initiative that helps struggling homeowners get mortgage relief through a variety of programs that aid in mortgage modifications, interest rate reductions, refinancing, deferred payment or transitioning out of your home while avoiding foreclosure. Before you begin, please explore the available programs and learn more about MHA. The more you understand your options, the easier it will be when you speak to a housing expert or your mortgage servicer. Call our mortgage modification department today.
Foreclosure is a specific legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.A Florida homeowner facing foreclosure has options. There are actually a number of ways to effectively prevent foreclosure, and an attorney can help you understand these as they apply to your particular situation.