You've probably read a lot about HAFA, or the Home Affordable Foreclosure Alternative. This is the government's new program to assist those homeowners who owe more than their home is worth, can't make their payments because of a financial hardship, and do not qualify for one of the Loan Modification Programs currently being offered. This information has been in all of the news lately, and as usual, there is a lot of confusion about what it is and what it will do. As with most new programs, we will need some time to pass to see how the lenders are going to handle this, but I think it may provide some much needed structure to the Short Sale and Deed in Lieu alternatives to Foreclosure.
I have installed a short You Tube presentation on the homepage of my Website, www.mike-bryantcanhelp.com that will help explain the basics of the program. If you know someone who might be in need of this help, please pass this along to them. When facing a foreclosure time is of the essence, so have them pick up the phone and call me if they have any questions. Better yet, call me with their contact information, and tell them I will call them within 24 hours!
Remember, I'm here to help.
Sunday, April 25, 2010
Sunday, April 11, 2010
Take the Survey and See If You Qualify!
I’ve recently made some enhancements to my Website, and I wanted you to know about an extremely useful resource that I’m providing for homeowners in our community. There are a range of government programs available for those facing financial hardship, but it can be difficult to find out who is eligible for what. Just trying to sift through all of the conflicting information can be very frustrating.
To simplify this process, I have made free surveys available to help visitors learn about their eligibility for each program, as well as what the program can provide. You can access the surveys on my website here:
http://www.mike-bryantcanhelp.com/Eligibility
If you or someone you know is struggling with mortgage payments, this is the best time to act. There are dignified solutions that have become even easier to use. As a CDPE-designated agent, I am trained to gather all possible homeowner resources and provide the best possible solution.
If you have any questions or need immediate assistance, please don’t hesitate to contact me.
Remember, I’m always here to help.
To simplify this process, I have made free surveys available to help visitors learn about their eligibility for each program, as well as what the program can provide. You can access the surveys on my website here:
http://www.mike-bryantcanhelp.com/Eligibility
If you or someone you know is struggling with mortgage payments, this is the best time to act. There are dignified solutions that have become even easier to use. As a CDPE-designated agent, I am trained to gather all possible homeowner resources and provide the best possible solution.
If you have any questions or need immediate assistance, please don’t hesitate to contact me.
Remember, I’m always here to help.
Sunday, April 4, 2010
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Tax Credits for Solar Water Heaters
A federal tax credit makes energy-efficient solar water heaters a more affordable and sustainable option for many homeowners. Read
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Tax Credits for Replacing Heating and Cooling Systems
Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and earn you a tax credit worth as much as $1,500. Read
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Tax Credits for Replacing Your Roof
Replacing your roof with a qualifying energy-efficient metal or asphalt roof can cut your cooling bill and earn you a $1,500 tax credit. Read
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Tax Credits for Adding or Replacing Insulation
A federal tax credit makes adding insulation an even cheaper way to improve your home’s energy efficiency and cut your heating and cooling bills. Read
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Tax Credits for Replacing Windows, Doors, and Skylights
If money seems to be escaping through drafty windows, doors, and skylights, this federal tax credit might make energy-efficient replacements more affordable. Read
Visit houselogic.com for more articles like this.
Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®
Thursday, April 1, 2010
Understanding the HAFA Program
I'm reaching out to my clients this month because of a big development in the real estate world. The rising number of foreclosures has spurred a government-led movement towards short sales and deeds-in-lieu of foreclosure.
Beginning April 5th, there is big news for homeowners in America who owe more than their home is worth and don’t know what to do about it. In an effort to slow the rising number of foreclosures, a government-backed program has been released: the Home Affordable Foreclosure Alternatives Program (HAFA). Basically, the program aims to save as many Americans from foreclosure as possible, which will also help to save the overall value of the surrounding communities.
Here's the short and sweet of it: HAFA offers incentives to lenders and homeowners who avoid foreclosure through short sales and deeds-in-lieu. HAFA also sets time frames that ensure lenders don't drag their feet in responding to homeowners.
To learn more and find out if you, or someone you know, might be eligible, you can download my free report here:
http://www.mike-bryantcanhelp.com/
With one in six homeowners struggling to make mortgage payments, there is probably someone you know who could use this information.
As a Certified Distressed Property Expert, I am trained specifically on how to assist homeowners dealing with financial hardship. If you know someone who needs professional help with foreclosure avoidance, please contact me right away, or forward this information to them.
Remember, I'm here to help.
Beginning April 5th, there is big news for homeowners in America who owe more than their home is worth and don’t know what to do about it. In an effort to slow the rising number of foreclosures, a government-backed program has been released: the Home Affordable Foreclosure Alternatives Program (HAFA). Basically, the program aims to save as many Americans from foreclosure as possible, which will also help to save the overall value of the surrounding communities.
Here's the short and sweet of it: HAFA offers incentives to lenders and homeowners who avoid foreclosure through short sales and deeds-in-lieu. HAFA also sets time frames that ensure lenders don't drag their feet in responding to homeowners.
To learn more and find out if you, or someone you know, might be eligible, you can download my free report here:
http://www.mike-bryantcanhelp.com/
With one in six homeowners struggling to make mortgage payments, there is probably someone you know who could use this information.
As a Certified Distressed Property Expert, I am trained specifically on how to assist homeowners dealing with financial hardship. If you know someone who needs professional help with foreclosure avoidance, please contact me right away, or forward this information to them.
Remember, I'm here to help.
Sunday, March 28, 2010
Get Ready For The HAFA Program!
Effective April 5, 2010, the government has added an update to the Making Homes Affordable Program that should be a real help for homeowners in distress who do not qualify for a loan modification.
The HAFA program, which stands for Home Affordable Foreclosure Alternatives, targets the implementation of Short Sales and Deed-in-Lieu of Foreclosure.
You can find complete information that was updated March 26th by following this link;
https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf
The exciting part of this program is that should finally shorten the time it will take for a homeowner to get an answer from their lender, and provide some real direction in dealing with this overwhelming problem.
As you know, I have been assisting homeowners in distress for some time now, showing them that there are real alternatives to foreclosure. If you or someone you know needs more information, please visit my Website at
www.mike-bryantcanhelp.com
for valuable free information. Remember, I'm here to help.
The HAFA program, which stands for Home Affordable Foreclosure Alternatives, targets the implementation of Short Sales and Deed-in-Lieu of Foreclosure.
You can find complete information that was updated March 26th by following this link;
https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf
The exciting part of this program is that should finally shorten the time it will take for a homeowner to get an answer from their lender, and provide some real direction in dealing with this overwhelming problem.
As you know, I have been assisting homeowners in distress for some time now, showing them that there are real alternatives to foreclosure. If you or someone you know needs more information, please visit my Website at
www.mike-bryantcanhelp.com
for valuable free information. Remember, I'm here to help.
Thursday, March 18, 2010
2009 Year End Mortgage Delinquencies
The statistics for mortgage delinquencies, nationwide for the 4th quarter of 2009 are now official, and I wanted to share them with you.
These statistics are based on approximately 44,600,000 mortgages, and they show that 4.58% are in foreclosure, but more importantly, 10.44% are in default (30+ days late), for a staggering total of 15.02%!
The worst of these are the subprime loans, with 15.58% in foreclosure, and 25.26% in default (30+ days late), for a whopping 40.84% total!
Today, foreclosure is an overwhelming reality for millions of homeowners. However, more than 70% of homeowners proceed without seeking assistance and without getting the facts.
As I have been mentioning during the past few weeks, I have developed a Website at http://www.mike-bryantcanhelp.com/
Here I’ve prepared a free report to lay out the first steps people should take when upside-down on a mortgage and unsure of what to do next! You will learn the advantages and disadvantages to all your options, while putting together an efficient outline of how to take advantage of whichever one you choose.
I sincerely hope you will take advantage of this information and please feel free to pass it along to anyone you know in need. Getting the right information is the key to getting back on track.
If you know someone who is currently in danger of losing their home, and doesn't know what to do, please forward this information to them. Remember, I am here to help.
Mike
These statistics are based on approximately 44,600,000 mortgages, and they show that 4.58% are in foreclosure, but more importantly, 10.44% are in default (30+ days late), for a staggering total of 15.02%!
The worst of these are the subprime loans, with 15.58% in foreclosure, and 25.26% in default (30+ days late), for a whopping 40.84% total!
Today, foreclosure is an overwhelming reality for millions of homeowners. However, more than 70% of homeowners proceed without seeking assistance and without getting the facts.
As I have been mentioning during the past few weeks, I have developed a Website at http://www.mike-bryantcanhelp.com/
Here I’ve prepared a free report to lay out the first steps people should take when upside-down on a mortgage and unsure of what to do next! You will learn the advantages and disadvantages to all your options, while putting together an efficient outline of how to take advantage of whichever one you choose.
I sincerely hope you will take advantage of this information and please feel free to pass it along to anyone you know in need. Getting the right information is the key to getting back on track.
If you know someone who is currently in danger of losing their home, and doesn't know what to do, please forward this information to them. Remember, I am here to help.
Mike
Sunday, March 7, 2010
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Essential Heating System Maintenance
Getting your home’s heating system professionally serviced every year will keep it running smoothly and help keep heating costs under control. Read
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Save Money With an Insulation Upgrade
Beefing up inadequate insulation is one of the quickest energy-payback projects you can do, resulting in lower heating and cooling bills and increased comfort. Read
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Chimney Maintenance for Warmth and Safety
Chimney maintenance and a fireplace inspection can make the difference between warm safety and drafty danger. Read
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Cleaning and Caring for Siding
The annual cleaning and repair of your home’s siding will pay off in a long life and increased value. Read
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Conduct Your Own Energy Audit
A do-it-yourself energy audit can teach you how to be more energy efficient and make you a more-educated consumer should you decide to hire an expert. Read
Visit houselogic.com for more articles like this.
Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®
When Strategic Default's not Strategic
Recently, I’ve had friends and colleagues asking me questions about “strategic default,” wondering if it’s an appropriate or beneficial solution to an upside-down mortgage or impending foreclosure. Briefly, strategic default is someone walking away from their home even though they can currently make the payments. While this idea has spread rapidly as a viable option, the truth is that a default is never easy, and almost never strategic.
I think it’s also my responsibility to reach out and see if you or someone you know might be able to use my assistance.
As you know, I have training in handling distressed properties to help my community find answers in their times of need, and to keep my friends and neighbors as far as possible from the thought of foreclosure. That’s why I’ve created a website to provide answers and assistance, even a free report on the myths and misrepresentation of strategic defaults. You can find it here:
http://www.mike-bryantcanhelp.com/
If you know someone who is currently in danger of losing their home, and doesn't know what to do, please forward this information to them. I am here to help.
Sincerely yours,
I think it’s also my responsibility to reach out and see if you or someone you know might be able to use my assistance.
As you know, I have training in handling distressed properties to help my community find answers in their times of need, and to keep my friends and neighbors as far as possible from the thought of foreclosure. That’s why I’ve created a website to provide answers and assistance, even a free report on the myths and misrepresentation of strategic defaults. You can find it here:
http://www.mike-bryantcanhelp.com/
If you know someone who is currently in danger of losing their home, and doesn't know what to do, please forward this information to them. I am here to help.
Sincerely yours,
Tuesday, March 2, 2010
Avoiding Mortgage Modification Fraud
I wanted to give you a heads up on something I think every single homeowner should be aware of. The FBI and U.S. Attorney General Eric Holder have reported a 400 percent increase in mortgage fraud cases from five years ago. It seems that with more homeowners unable to make mortgage payments, there are more and more predators trying to exploit these people.
I don't want to be unnecessarily alarming, but this is a threat that you or anyone you know should be aware of when going through a real estate transaction. It's not the nicest thing to think about, but essential nonetheless.
For anyone you know who is considering relocation, mortgage modification, short sale or any other transaction, I have put together a free report, available on my website that explains what kinds of fraud schemes the FBI has seen, as well as the "red flags" to look out for. You can download it here:
http://www.mike-bryantcanhelp.com/
If you have any questions about mortgage scams, or if anyone you know needs legitimate, professional help with avoiding foreclosure, please don't hesitate to contact me. I am here to help.
I don't want to be unnecessarily alarming, but this is a threat that you or anyone you know should be aware of when going through a real estate transaction. It's not the nicest thing to think about, but essential nonetheless.
For anyone you know who is considering relocation, mortgage modification, short sale or any other transaction, I have put together a free report, available on my website that explains what kinds of fraud schemes the FBI has seen, as well as the "red flags" to look out for. You can download it here:
http://www.mike-bryantcanhelp.com/
If you have any questions about mortgage scams, or if anyone you know needs legitimate, professional help with avoiding foreclosure, please don't hesitate to contact me. I am here to help.
Saturday, February 6, 2010
Great Website for Homeowners in Distress!
I have been a member of the Distressed Property Institute now for almost a year. After earning my CDPE designation (Certified Distressed Property Expert), I have been helping homeowners try to figure out their options in order to avoid foreclosure.
Just last month, I initiated a new Website that hopefully will be found by homeowners needing help. If you know someone who owes more than their home is worth, and they don't know what to do about it, please direct them to this site; www.mike-bryantcanhelp.com
Please pass this on to everyone you know who might be able to use some help! Thank you
Just last month, I initiated a new Website that hopefully will be found by homeowners needing help. If you know someone who owes more than their home is worth, and they don't know what to do about it, please direct them to this site; www.mike-bryantcanhelp.com
Please pass this on to everyone you know who might be able to use some help! Thank you
Wednesday, January 6, 2010
Latest Report: One in 8 Homeowners Behind On Their Mortgage!
Feeling there is no other option but foreclosure can be an overwhelming experience. Homeowners need to know that they are not alone. Thousands of homeowners in the United States are facing these challenges every single day. Now more than ever before there are solutions.Go to www.avoidforeclosureinsonomacounty.com to learn more today!
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