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

The year-end report from RealtyTrac.com shows that the United States had almost four million reported foreclosure filings in 2009! This is an increase of 21 percent from 2008, and 120 percent increase from 2007. 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 Apple Valley, Chino, and Adelanto being hit the hardest. If you are one of the many people to be affected by the housing crisis, don’t hesitate to contact HomeStart to find out if you qualify for a loan modification.

A loan modification is a change in one or more of the terms in your loan. This could mean a lower interest rate, lower monthly mortgage payments, and a lower principal balance.  The purpose is to allow the borrower to meet the new terms of the loan, in hopes of avoiding foreclosure. With the current declining home prices and competitive real estate environment it’s become even more difficult to re-sell your home after foreclosure. Lenders would prefer any solution where they can receive some payment. Therefore, the cost of foreclosure is actually more expensive to the lender than the cost of new loan modification terms, making a loan modification beneficial for everyone involved.

Why choose HomeStart over a law firm?

There are a number of reasons to choose a loan modification specialist like HomeStart over a law firm.  The cost is usually much higher with a law firm. Law firms typically do not offer fixed rates for home loan modifications. They often charge hourly, which can lead to prices 2 to 3 times higher than those of loan modification specialists. Lawyers charging hourly will want to maximize their profit, which means the loan modification process will not only be more costly, but take more of your time. Law firms also do not uphold the same standard of customer service as HomeStart does. If you want to save money, time and experience better service, HomeStart is here to help.

HOMEstart is an A+ BBB rated mortgage loan modification company based out of San Diego, CA.  This A+ rating reflects that HOMEstart has established personal relationships with the largest mortgage lenders to expedite the loan modification process. BBB’s accreditation represents the BBB’s degree of confidence that the business is operating in a trustworthy manner and will make an exceptional effort to provide the contracted services, while also providing a high degree of customer service. If you are unsure if you qualify for a loan modification or simply would like more information about the loan modification process, don’t hesitate to visit our website or call HomeStart for a free consultation.

For more information please visit www.YourHomestart.com

PrimeBenefit is Dedicated to Unions

The PrimeBenefit team of PrimeLending is committed to helping union members save money every time they buy or sell a home, refinance their current home, and more.  We have partnered up with www.Unions.org to offer special pricing that is exclusive to union members.  First let me tell you a little about us and how the program works.

Headquartered in Dallas, Texas, PrimeLending is a leading residential mortgage lender that provides homebuyers mortgages without obstacles. Established in 1986 by Chief Executive Officer Roseanna McGill, PrimeLending has grown from a staff of 20 individuals producing $80 Million in annual closed loan volume to a family of over 1,500 members producing in excess of $2.45 Billion annually.

In addition to the corporate office located in North Dallas, PrimeLending has expanded to over 150 branches across the United States including Arizona, California, Colorado, Connecticut, Florida, Georgia, Kentucky, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Tennessee, Texas, and Washington and is licensed to originate and close loans in 49 states.

The goal at PrimeLending is to provide unsurpassed quality service and support throughout the entire mortgage process for every client and referral source. This proactive sales and operational philosophy simplifies and accelerates the loan process at all levels. The company’s knowledgeable mortgage professionals are dedicated to making every customer’s home loan experience a positive and successful one.

PrimeLending decided they could take it one step further and develop a complete PrimeBenefit program which would help union member save money throughout the entire buying process of a home.  This is why the PrimeBenefit program is so powerful.

I would like you to first watch the following 30 second commercial and then I will go through the savings in detail. Commercial The PrimeBenefit Program is broken down into 5 parts:

1)      Real Estate Rebate – Every time you buy or sell a home your will receive a 20% rebate check from your Realtor commissions for using one of our network realtors.  You don’t have to worry.  We only use the best and have to be proven producer and they work for large companies like Caldwell Banker and Chapman Richards for example.

2)      Lender Discounts – Just for participating in the PrimeBenefit program you get 20% off of all lender fees.  In addition to that you will receive an extra .25% off your origination fee.  PrimeLending as we have already covered is one of the nation’s leading lenders and when it come to rate and price we will make sure you get the best rate and program for your needs.  Every loan is a little different as everyone’s situation is a little different, but know this; we are not just here to earn you business today but to be your lending partner for life.

3)      Insurance Discounts – The next discounts you receive are through Liberty Mutual on your homeowners and auto insurance.  For first time home buyers, homeowners insurance is a new thing so we will make sure that you have this option for getting a good deal on insurance.

4)      Moving Discounts – We have partnered up with different moving services such as Van Lines and SAMS to offer you discount on moving when it comes time to move into your new home.

5)      Home Warranty – Finally we have partners with one of the leading home warty company companies to offer you a great price on a home warranty that will cover more for less.  This company will cover item most item that other warranties exclude like roof leaks, washers and dryers, and more.

As you can see this is a pretty inclusive package.  As a union member there is no reason you should not take advantage of it.  I know you have wondered; how much does this cost?  The answer to your question is NOTHING.  That’s right it’s free.  It’s our way of saying thanks for all the work you do for us.  To register for the program click here.  Make sure to email me if you have any questions or call (877)835-5588.

Sam Ashton

PrimeBenefit Specialist

(877)835-5588

sashton@primelending.com

For A+ BBB San Diego Mortgage Loan Modification Services CLICK HERE

The year-end report from RealtyTrac.com shows that 2009 had a substantial increase of new foreclosures from 2008 and a 120 percent increase from 2007. This means that there were almost four million reported foreclosure filings in 2009! California had the fourth highest foreclosure rate in the United States, with over 630,000 homes receiving a foreclosure filing in 2009. San Diego County is just one of the major cities affected by the current slump in the economy, with the city of San Diego reporting 2,435 new foreclosure filings in December of 2009. Spring Valley, Carlsbad, and La Mesa also had large numbers of new foreclosures last year. If you are one of the many people to be affected by the housing crisis, don’t hesitate to contact HomeStart to find out if you qualify for a loan modification.

A loan modification is a change in one or more of the terms of your loan in order to make payments more affordable and ultimately keep you in your home. Loan modifications were originally reserved for those whose mortgages became delinquent due to job loss, divorce or illness, but today this option has expanded to include anyone suffering from high adjustable rate mortgages. If you are struggling to afford your mortgage payments, but have a tremendous interest in saving your home from foreclosure, go to www.YourHomestart.com to learn more about the loan modification process.

HOMEstart is licensed by the California Department of Real Estate (DRE) to provide turnkey, loan modification services. Loan modification is a multi-step process involving Intake Processing, Underwriting, Bank Submission, Negotiations, Approvals and Contract Review. We are the only DRE Licensed, A+ BBB rated business in California because no other company can offer you A-to-Z service. Customers must be careful working with non-accredited and unlicensed loan modification companies because they are not providing legitimate services.

HOMEstart was rated an A+ mortgage loan modification company by the Better Business Bureau (BBB) and is ready to negotiate your mortgage loan modification.  The A+ rating HomeStart received reflects that the business has established personal relationships with the largest mortgage lenders to expedite the loan modification process. It also represents the BBB’s degree of confidence that the business is operating in a trustworthy manner and will make an exceptional effort to provide the contracted services, while also providing a high degree of customer service.

For more information please visit www.YourHomestart.com

For A+ BBB San Diego Mortgage Loan Modification Services CLICK HERE

The year-end report from RealtyTrac.com shows that 2009 had a substantial increase of new foreclosures from 2008, and a 120 percent increase from 2007. This means that there were almost four million reported foreclosure filings in 2009! California had the fourth highest foreclosure rate in the United States, with over 630,000 homes receiving a foreclosure filing in 2009. San Diego County is one of the areas to be hit the hardest, with the city of San Diego reporting 2,435 new foreclosure filings in December of 2009. If you are one of the many people to be affected by the housing crisis, don’t hesitate to contact HomeStart to find out if you qualify for a loan modification.

A loan modification is a change in one or more of the terms in your loan. This could mean a lower interest rate, lower monthly mortgage payments, and a lower principal balance.  The purpose is to allow the borrower to meet the new terms of the loan, in hopes of avoiding foreclosure. With the current declining home prices and competitive real estate environment it’s become even more difficult to re-sell your home after foreclosure. Lenders would prefer any solution where they can receive some payment. Therefore, the cost of foreclosure is actually more expensive to the lender than the cost of new loan modification terms, making a loan modification beneficial for everyone involved.

HomeStart offers nationwide residential, investment and commercial property loan modifications, and can also provide foreclosure prevention information and pre-foreclosure consultation. HomeStart is the only business in California with an A+ rating from the Better Business Bureau 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. The A+ score that HomeStart received represents the BBB’s degree of confidence that the business is operating in a trustworthy manner and will provide excellent contracted services, while also providing a high degree of customer service. If you are unsure if you qualify for a loan modification or simply would like more information about the loan modification process, don’t hesitate to visit our website or call HomeStart for a free consultation.

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

Focusing on the credit card with the highest rate can be the wrong approach for some. If you’ve racked up a lot of debt on your credit cards, you’re not alone. In fact, of the 90 million households in the United States that own at least one credit card, the average debt totals a whopping $10,691, according to CardTrak.com. Many of these households are only paying the minimum payments on their credit cards too. If that sounds like you, here’s some food for thought: If you carry the average credit card debt of $10,691 and only pay the minimum payments each month, it will take you nearly 33 years to pay off your balances completely.*

Clearly, the minimum payment method is not a great way to manage your debt. It’s time to start paying down your balances and rid yourself once-and-for-all of that perpetual black cloud. But where do you start? If you have several credit cards – and many of us do – it’s smart to devise a payoff plan. There are two ways to do this that are widely talked about, each of which focus your energies on a single debt, while paying just the minimum payments on your other debts.

Keep in mind that these strategies will work for all of your debt, including auto loans, student loans and home loans, but for the sake of keeping it simple, let’s concentrate on credit card debt. Here’s how to do it…

Which Debts To Pay Down First