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The crucial information you need to secure a reliable loan modification and save your homeBehind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself.Advice on determining whether you're likely to qualify for your lender's loan modification programGuidance on preparing and submitting a loan modification application that improves your chances of successHelps you figure out a monthly payment you really can affordTips on modifying your loan even when you owe more than your home's current market valueNegotiation advice for securing the best possible terms and lowest monthly paymentResources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your sideRead Loan Modification For Dummies and start saving your home today.
Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt. The book's content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that's needed to buy a home, discussing their student loan and non-student loan debt with their significant others. By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too. How to Miss Student Loan Payments Without Hurting Your Credit Amazon-exclusive content from the author Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve. What steps do you need to get approval for an excused absence from making payments? 1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments. 2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires. 3. Write down circumstances that apply to you that you found on the same piece of paper as your finances. 4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site. 5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance. 6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you. 7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have $60,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to $61,500 because of accrued interest and no payments made. 8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received. 9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends. 10. Keep your loan information in a folder in a place where you will be able to easily find the information later.
For most people, the Great Crash of 2008 has meant troubling times. Not so for those in the flourishing poverty industry, for whom the economic woes spell an opportunity to expand and grow. These mercenary entrepreneurs have taken advantage of an era of deregulation to devise high-priced products to sell to the credit-hungry working poor, including the instant tax refund and the payday loan. In the process they've created an industry larger than the casino business and have proved that pawnbrokers and check cashers, if they dream big enough, can grow very rich off those with thin wallets.Broke, USA is Gary Rivlin's riveting report from the economic fringes. From the annual meeting of the national check cashers association in Las Vegas to a tour of the foreclosure-riddled neighborhoods of Dayton, Ohio, here is a subprime Fast Food Nation featuring an unforgettable cast of characters and memorable scenes. Rivlin profiles players like a former small-town Tennessee debt collector whose business offering cash advances to the working poor has earned him a net worth in the hundreds of millions, and legendary Wall Street dealmaker Sandy Weill, who rode a subprime loan business into control of the nation's largest bank. Rivlin parallels their stories with the tale of those committed souls fighting back against the major corporations, chain franchises, and newly hatched enterprises that fleece the country's hardworking waitresses, warehouse workers, and mall clerks.Timely, shocking, and powerful, Broke, USA offers a much-needed look at why our country is in a financial mess and gives a voice to the millions of ordinary Americans left devastated in the wake of the economic collapse.
If you’re trying to kick the “Buy Now/Pay Later” habit and get your spiraling debt under control, you need Managing Debt For Dummies now! This practical, commonsense guide provides straightforward strategies for coping with every kind of secured and unsecured debt, including, personal loans, car loans, mortgages, home equity loans, lines of credit, credit cards, finance company loans, and student loans. You’ll find out how easy it is to:Distinguish between good and bad debtGo on a “debt diet” to get back into financial shapeStart a filing system to track debt and protect life after debtAdopt a smart spending regimenIncrease your incomeConsolidate your debtDecide which bills to pay when you can’t pay them allUse credit cards responsiblyYou can still live well while slashing spending on groceries, clothing, and entertainment. Find out how in Managing Debt for Dummies.
Finally: A Personal Finance Book That Teaches Renters and Owners The Truth About What It Takes To Be A Successful Homeowner Record Foreclosures. Mortgage Meltdown. Credit Crunch. The headlines are filled with doom and gloom about the housing market. Despite the bad news, millions of people in the United States still want to achieve the American Dream of homeownership and millions more are trying desperately to hang on to homes they previously bought. Maybe you're one of them. Too bad nobody ever taught you how to become a smart homebuyer or even told you the whole truth about whether you were really ready to own a home at all. Until now. In Your First Home: The Smart Way to Get It and Keep It, Lynnette Khalfani-Cox, The Money Coach, offers a no-hype personal finance guide that will help you prepare for, find and finance the home of your dreams and not lose it to foreclosure. For those worried about making the leap from renter to owner, Lynnette explains how to turn bad credit into perfect credit, in seven simple steps. She also offers scores of tips on how to manage money and save cash even if you've never been able to budget. Best of all, Lynnette walks you step-by-step through the house-hunting and mortgage application process, saving you time, money and unnecessary frustration. In Your First Home, renters will learn: The secrets to getting approved for a mortgage loan even if you have bad credit, no savings or down payment, a small salary or big debts Where to get up to $40,000 in free grants for a down payment and closing costs How to pick a great real estate agent, home appraiser, and attorney The special account guaranteed to triple your savings in one year Strategies to negotiate the best price for a home, avoid predatory lenders and obtain a good mortgage After reading Your First Home, homeowners will learn: How to keep your home and avoid foreclosure if you face financial troubles after you buy a house Unexpected sources that will pay your mortgage if you can't Dos and don'ts of refinancing your mortgage What no one ever tells you about home equity loans The Seven Commandments of successful homeownership How to manage and grow the equity in your home Financial planning strategies and tax tips available only to homeowners Homeownership isn't a right. It's a major responsibility. Your First Home offers a realistic look at the entire life cycle of being a homeowner with all its joys and pains.
Completely updated, this edition incorporates the SAFE Act and its impact on mortgage brokers along with other significant changes seen in the mortgage loan industry since the real estate meltdown that started in 2008. New state and federal regulations are addressed and financial information reflects current market data. The overall loan process is covered along with discussions of the mortgage loan business giving a broad overview of career opportunities in this competitive industry. Ideal for real estate licensees, individuals seeking to enter the mortgage loan business, and those already actively working in the industry, this text covers key topics including appraisal, credit agencies, title and escrow, and computer programs used in the mortgage loan industry. Important legal concepts are covered to meet state course requirements in addition to up-to-date coverage of new industry requirements like the FNMA 1003 loan application form and new appraisal requirements to comply with URAR-FNMA 1005 form. This text remains the authority on current standards of professional practices that meet the goal of consumer protection for the public.
"In Financial Shock, Mr. Zandi provides a concise and lucid account of the economic, political, and regulatory forces behind this binge." –The Wall Street Journal “The obvious place to start is the financial crisis, and the clearest guide to it that I’ve read is Financial Shock by Mark Zandi....It is an impressively lucid guide to the big issues.” – David Leonhardt, The New York Times “If you wonder how it could be possible for a subprime mortgage loan to bring the global financial system and the U.S. economy to its knees, you should read this book. No one is better qualified to provide this insight and advice than Mark Zandi.” – Larry Kudlow, Host, CNBC’s Kudlow & Company “Mark Zandi provides insightful analysis, thoughtful recommendations, and a comprehensible explanation of the financial crisis that is accessible to the general public and extremely useful to those who specialize in the area.” – Barney Frank, Chairman, House Financial Services Committee The Definitive Financial Meltdown Exposé: Now completely updated to include discussions of the Obama administration’s many policy initiatives and proposed solutions. •Includes expanded coverage of the market meltdown, the bailout bill and stimulus plans, the bank rescue plan, and the foreclosure mitigation plan • Sifting the wreckage, fixing the blame: the roles of mortgage lenders, investment bankers, speculators, the real estate industry, regulators, the Fed, and homebuyers • Tomorrow’s emerging financial shocks—and how to prevent them
Over the last two years, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or 'exotic' home mortgage lending. The unfortunately timely Foreclosed explains the rise of high-risk lending and why these newer types of loans-and their associated regulatory infrastructure-failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities.Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of homeownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years-including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products-led, he finds, inexorably to the current crisis.After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990s and early 2000s. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for 'righting the ship' of U.S. housing finance in ways that will promote affordable yet sustainable homeownership as an option for a broad set of households and communities.
An updated and revised look at the truth behind America's housing and mortgage bubblesIn the summer of 2007, the subprime empire that Wall Street had built all came crashing down. On average, fifty lenders a month were going bust-and the people responsible for the crisis included not just unregulated loan brokers and con artists, but also investment bankers and home loan institutions traditionally perceived as completely trustworthy.Chain of Blame chronicles this incredible disaster, with a specific focus on the players who participated in such a fundamentally flawed fiasco. In it, authors Paul Muolo and Mathew Padilla reveal the truth behind how this crisis occurred, including what individuals and institutions were doing during this critical time, and who is ultimately responsible for what happened.Discusses the latest revelations in the housing and mortgage crisis, including the SEC's charging of Angelo Mozilo Two well-regarded financial journalists familiar with the events that have taken place chronicle the crisis in detail, showing what happened as well as what lies aheadDiscusses how the world's largest investment banks, homeowners, lenders, credit rating agencies, underwriters, and investors all became entangled in the subprime messIntriguing and informative, Chain of Blame is a compelling story of greed and avarice, one in which many are responsible, but few are willing to admit their mistakes.
While residential real estate lending has gone soft, commercial lending is hot—with a wave of low interest rates and refinancing—and it shows no sign of slowing down. Right now, commercial mortgage brokering is one of the best ways to earn money without a ton of training. In this practical guide for first-timers, you’ll learn the basics of brokering from application to closing, as well as inside information you won’t find anywhere else. So get started!
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