For A+ BBB San Bernardino Mortgage Loan Modification Help CLICK HERE

California currently has one of the highest foreclosure rates in the country, with over one million foreclosure filings to date! San Bernardino County is just one of the major areas being affected by our current housing crisis, with the cities of Victorville and Fontana being hit the hardest. What many people don’t realize is that it is not too late to get help. Even if you are already behind on payments, it is not too late to act!

The Homeowners Affordability and Stability Plan (HASP) is a $75 billion plan, put into place by the Obama Administration in early 2009 in hopes of modifying distressed mortgages, keeping borrowers in their homes. Obama’s plan requires major lenders and banks to participate in reducing monthly mortgage payments to less than 40% of the borrower’s gross monthly income. The resulting losses lenders and banks incur would be refunded by Obama’s $75 billion HASP budget. HASP was originally designed for responsible homeowners who have been seriously affected by the worsening economy and resulting increasing unemployment, however, with the rate of foreclosures becoming so high, almost any home owner with legitimate financial hardships (ie. divorce or separation, illness, unemployment, reduced pay, etc) can qualify for a mortgage loan modification.

A loan modification is a renegotiation of your current loan terms in order to make payments more affordable. HomeStart is an experienced loan modification company ready to help you during this difficult time. The Better Business Bureau (BBB) awarded HOMEstart as an A+ rated mortgage loan modification company. This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a complaint from a customer. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications.

Here is one recent example of a loan modification performed by HomeStart:

Property in San Diego, CA
Total monthly savings of $1,132.38/month

• Primary Residence:
  Loan amount of $298,819 with an interest rate of 5.875% and monthly mortgage payments of$2,445.30.
• Modified to:
  Interest Rate of 3.875% and new monthly mortgage payments of $1,312.92 fixed for 5 years; final interest rate of 5.375% and $1,481.94 monthly payments.

For more information please visit www.YourHomestart.com

For A+ BBB Salt Lake City Mortgage Loan Modification Help CLICK HERE

Utah currently has one of the highest foreclosure rates in the country, listing just shy of 18,000 foreclosures. The majority of these foreclosures are coming from their state capitol of Salt Lake City, which has one of the top five metro foreclosure rates. According to RealtyTrac, in August of 2009 Utah reported the eighth highest foreclosure rate in the country, with one in every 282 houses receiving a foreclosure filing. Don’t let this happen to you! If you are having trouble with monthly mortgage payments, call HomeStart to discuss the possibility of a loan modification.

In 2009 the Obama administration established a loan modification program under the “Making Home Affordable” initiative to help homeowners avoid foreclosures and to keep people in their homes!  One of the main issues is that most homeowners do not really know what options they have when it comes to doing a loan modification.

A Loan Modification is a permanent change in one or more of the terms of your loan. The purpose of a loan modification is to allow the borrower to meet the new loan modification terms, allowing them to prevent foreclosure. A loan modification is not a refinance; it is the restructuring of the loan terms. In other words, a loan modification is a contractual agreement between the Lender and the Borrower to provide long term relief from unaffordable loan terms. Loan modifications can lower your interest rate(s), monthly mortgage payment(s) and even the principle balance (loan amount). Remember the cost of foreclosure to the Lender is higher than new loan modification terms; therefore, lenders are open to loan modifications to prevent foreclosure.

The Better Business Bureau (BBB) awarded HOMEstart as an A+ rated mortgage loan modification company. This A+ rating signifies the fact that HomeStart is operating in a trustworthy manner, and has never received a complaint from a customer. HomeStart is the only business in California with an A+ rating from the BBB in both loan modification and real estate loan modification. While the California DRE reported approximately 495,000 registered Real Estate and Mortgage Brokers in California in August 2009, only a mere 300 were licensed to perform mortgage loan modifications. So start with a company you can trust, call HomeStart today.

For more information please visit www.YourHomestart.com

The Current economic situation is making numerous people with car loans to start thinking about refinancing their vehicles. Auto Refinance loans usually offer a good alternative for those who find it difficult to make regular payments. After all, the main idea is getting some spare money for spending on other stuff. If you are one of those interested in getting the best Auto Refinance loan possible, then keep reading the following tips listed below.

Apply directly to auto loan specialists

It is by going with direct auto loan loan companies that you will get the most competitive interest rate to be had in the vehicles market, plus you will be dealing with certificated and legitimate companies, these are the companies who are able offer lower interest rates to you.

Having Less Than Perfect Credit

Although you can locate auto loan acceptance despite your credit score, you will be repaying a higher interest rate, if you don’t have perfect credit. It is then worthwhile to improve your credit score through quick and simple methods, every point you can increase your credit score, the less interest rate you can get.

Check terms and conditions

Bear in mind that inside a terms and conditions formare stipulated for example, late fees and additional connected costs, so it does not make any sense getting a lower interest rate if at the end of the day, because of these terms you will ending paying higher associated costs on your auto refinance loan. It is dull but it is worth reading.

Last, a checking of the lending company at the Better Business Bureau does not take lot of time and it is just for peace of mind.

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In this economy, it seems the biggest trend has shifted. Instead of buy, buy, buy or sell, sell, sell — it’s become plan, act, save.

Debt Elimination Acceleration… It’s all over the net. It’s all over the news. I have questions pour in my inbox every day. Is it for real? Does it actually work? Do you have to be rich to make it worthwhile? And, isn’t it just another scam, another fake elixir sold by charlatans to unsuspecting victims?

So, I took it upon myself to do some research. Actually, a lot of research. I scanned the net, googled my heart out, made phone calls, checked companies out with the Better Business Bureau and made appointments with many of them.

The Research

Yes, I found some scams. They’re easy to avoid. If someone tells you that for a set amount, whether it’s $250, $2,500 or $15,000, that they can give you a certificate to take to your bank that will forgive you of your home or vehicle loan without damaging your credit, it’s bogus. Not only doesn’t it work. The document is not worth the paper it’s printed on.

On to real companies with legitimate products… There were a slew of companies out there. Local, nationwide, internet only and those with addresses that were not a P.O Box. The prices varied, but oh did the products as well!

I found “budget” programs that did no more for you than dressing up a budget you could have created for yourself for free. I found software that was basic and overpriced, yet heralded as the answer to all of your problems. Only a handful of companies in the entire United States offered a system that was logical, comprehensive, adaptable and legit.

The Contenders

Two were more comprehensive than the rest. They stood out above the crowd. I met with both under two different premisies. One, that I was a potential customer wanting to learn about their program. Two, that I was a potential employee wanting to learn what openings and expansion plans they had.

The products were similar in nature, priced the same and both were comprehensive — taking into account all of my debt (credit cards, medical bills, vehicle loans), not simply my mortgage. However, one company obviously had little training and inexperienced mouth-breathers promoting their product to get the sale.

The Leader Emerges

The company that stood out, and I will name that one, was The Universal Family of Companies who handles the debt elimination process under a division named Universal Financial Security. I was so impressed I thought it was a fluke. So, I set several appointments with several agents at both places to see if there was a pattern. I met with three more agents at each, always using a different name for myself, different debt amount and meeting with random employees who had no idea they were being tested for this article.

The Philosophies

The company with which I was previously unimpressed continued to unimpress. Again and again, you could say I was underwhelmed, regardless of the agent in front of me. There was a lack of knowledge depth and an old-fashioned aggressive sales approach that really turned me off.

Back at Universal, I met with their agents. Every one was impressive, confident, patient and had relevant mortgage or finance experience, not simply sales experience. I know because I asked everything to everyone that would help me get a clear picture. I felt secure in their hands, and truly liked the program that they had set up for consumers. I found it easy to use, easy to edit and loved the ability to build a nest egg for my future, which was shown to me plainly in black and white. Well, it had green text too.

The Structures

After we went through all of the program details, at the end I inquired about a position there doing just what they did. It became quite clear that the unnamed company was a multi-level marketing company who would have been as thrilled to have me join up as they would my mother or my dog. No questions as to my experience, simply glorified numbers about huge sales commissions and the ability to move up if I got others to join under me. I’d had enough.

The agents at Universal Financial Security were kind, optimistic, but cautious. They talked about expansion potential due to the current economy and the need consumers now felt to regain control of their pocketbook. They, however, asked my qualifications and led me down no path of glory by creating a train of relatives, friends and pets below me to be my “downline” and make me an overnight millionaire. Every one of them spoke of helping consumers, not selling product. They talked about empowering people and providing a service, not selling a product. They weren’t preachy or pushy, just sold on the idea of a debt free America, as opposed to sold on the idea of selling a product.

Many, many man hours have been put into this research so I could give you my best recommendation. That recommendation is Universal Financial Security.

The Nitty Gritty

But, how does it work and does it work? Yes, it works. What the consultants there do is input (and show you how to) your income and debts in great detail. They say the program’s algorithms figure out the best way to use the discretionary income (even if it’s a dollar) to pay off the debt faster. And, faster means less interest if you do it right.

I finally went back to Universal. I gave my real name, my real numbers, and I signed up. I had just refinanced at 4.9% on my home this year and have two car payments. (Don’t mention the few credit cards that I run a balance on.)

Instead of paying off that home in 29 more years, I’m being proactive. I’m taking control. And, even as a financial guru, I’ve shed the old fashioned thinking. My house will be paid off in 12 more years, and no I’m not changing my spending habits or selling off my firstborn. I’m becoming even more mindful. I woke up. No longer will the old ways be my ways. Welcome to the 21st century, right? Okay, so I’m a little late. But, I’m here.

My Final Answer

A link to Universal Financial Security has been provided below for your convenience. Use anyone else at your own risk. I didn’t do all this research for nothing. I’m tempted to add “results may vary.” I’ve always wanted to say that. Now, go on, get out of here. As I saw in one of their ads: “The only thing you’ve got to lose – is your debt.”

Oh, did I mention I’ll save more than $110,000 in interest by paying my mortgage off sooner? Beat that.

Univeral Financial Security Link