This book explains reverse mortgages - "the most popular cash-raising tool for senior homeowners" (The Washington Post). It shows how these new financial products work, how to compare them, where to find them, what to ask, and what look out for. It also provides a variety of information sources for reverse mortgage shoppers, including related alternatives. This book is for homeowners who are retired or planning to retire. Also of interest to attorneys, financial planners, and adult children of aging parents.
I wrote "Defending My Home" in an effort to chronicle our ongoing legal battle defending my family home from foreclosure. I hope my book will help you understand your options and know you are not alone and that you can stay in your home and fight back within the law. Stand Up, Defend Your Rights Fight The Banks, Don't Walk Away"We were living the American Dream... small business owners, homeowners, a married couple on our way to financial success! In 2005, I refinanced our home to provide some extra capital to expand our business. Little did I know that shortly thereafter, the economic downturn would begin. This was start of a whole new chapter in our lives...We were scared and reality slapped us hard in the face one sunny morning at 8am when a deputy sheriff delivered our foreclosure notice. We both stared at that piece of paper, afraid to touch it as though it were a venomous snake about to strike. It was the worst day of my life. After a couple hours of silence, my wife said "We can pack up and go live with my parents in New Jersey". That was not the best idea in my mind and living with the in-laws was not an option. I love them but living with them? Umm, no. "OK, I guess we have 2 months to move out and go.... somewhere". But we had no money. We needed time. Time to save up some money. Time to get back on our feet and get our ducks in a row. I started researching on how we can get more time and thus started Defending My Home. Through hundreds of hours of research on my laptop and dozens of visits to the county courthouse, I found out about Discovery, Production, Admissions, PSA's, Unclean Hands, Credit Default Swaps, and so forth. The more I discovered, the more ammunition I had in defending my home. Buying us an extra 3 to 6 months was my initial goal. Then it turned to a year, then TWO years and now, as of August 31st, 2009 it will have been 854 days since I last made a mortgage payment. I've met many people this past year from Florida and from other states that are in similar financial struggles and have been trying to help them. Helping by pointing them to some great resources I have found and by sharing my experiences and what worked for me. These conversations gave them HOPE and hope is a precious thing when you're standing on the edge of a financial cliff." Table of Contents From The Book? Unlicensed Practice of Law - 3? About Us - 4? My Reason for Writing this Book - 8? Foreclosure Laws Vary From State to State - 15? Let's go Off the Main Subject for a Moment and Discuss the Banking System in our Country!!! - 18? So you are behind in your mortgage payments - 20? The Infamous Lost Note - 37? Get Your Ducks in a Row! - 40? WOW! The Things People Believe! - 43? My Loan Is Owned By Someone I've Never Heard Of! - 46? Securitized Mortgage Backed Asset Trust - 49? How They Screwed Us All - 60? If I Knew Then What I Know Now, I Would Have: - 63? Why I Believe They Should Not Be Entitled to Foreclosure On My Home! - 73? They Amended Their Original Complant - 75? Finding A Good Lawyer Who Gets It!! - 96? Places To Turn To For Information - 99? Final Words - 101? Samples of My Court Filings - 103-126
Newly revised and expanded for 2007 with updated material for this edition, our unique electronic book on CD-ROM has an amazing collection of the finest federal documents and resources on government grants plus assistance programs for small businesses. It even includes a section on getting files and records from government agencies through the Freedom of Information Act (FOIA) and the Privacy Act. Save time and effort by using this comprehensive resource to find grants, disaster relief, loans, programs, or records! There is individual coverage of federal agencies and departments, along with tips and resources for grant proposal writing. In addition, next-generation search technology allows complete cross-file indexing and makes all files on each disc fully searchable! The depth and breadth of the coverage of federal grants and small business programs is truly awesome. FEDERAL GRANTS - We go far beyond just the Catalog of Federal Domestic Assistance (CFDA), the OFFICIAL guide to federal grants, with its thousands of pages on loans, grants, surplus equipment, and training from 1662 agency and department programs worth $300 billion. (The printed CFDA is still sold by GPO for $67!) There are 86 new programs from the Dept. of Agriculture, Defense, HUD, Interior, Justice, Labor, State, Transportation, NSF, SBA, EPA, Energy, Education, HHS, Homeland Security, USAID, Delta Regional Authority, Smithsonian Institute Fellowship Foundation in this edition. Our CD-ROM has 51 unique sections devoted to specific agencies or topics, with over 65,000 pages of material. FOIA and Privacy Act coverage has information on contacting every government agency, guides to writing FOIA requests, FOIA law and related topics. There is specific information on all types of assistance: Formula & Project Grants, Direct Payments - Unrestricted, Loans, Insurance, Sale/Exchange/Donation of Property, Goods, Use of Property, Facilities, Equipment, Advisory Services, Counseling, Technical Information, Tr
Bottomline: You want to make more money than you do now. You want to learn the secrets of the top loan closers. John T. Moss has over 17 years of experience in training others on how to close more sales. Now, for the first time ever, he has made his secrets and techniques available to loan officers just entering the mortgage industry and seasoned veterans looking to take their production to the next level in this powerful book.
The concepts and applications of the loan process, clearly written and free of business and technical jargon.
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