Tag Archives: Advantage

Mortgage Advantages Corp. and Lenders Advantage to Supply Discounts on Settlement Services

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Redwood City, CA (PRWEB) September 30, 2005

Mortgage Rewards Corporation (MBC http://www.mortgageplans.com), the leading provider of group mortgage positive aspects, nowadays announced that Lenders Advantage (http://www.lendersadvantage.com), a division of Very first American Title Insurance coverage Business, has reached an agreement to offer discounted settlement services for The MortgageChoice Program via Uniquest, a tailored title insurance coverage and settlement services item for refinance transactions.

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The new Uniquest solution gives special pricing and terms on title insurance and other settlement solutions to MortgageChoice Strategy members by means of a nationwide, state-of-the-art electronic processing method. Plan Members will benefit from a centralized title solution, coordinated with the “higher touch” assistance of a local closing. Lenders Benefit utilizes nearby First American offices/agents in 44 states and DC for settlement.

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“Lenders Advantage has designed a exclusive system with national servicing levels and particular pricing terms to fulfill title and settlement solutions for our Program members”stated Marsha Tiller, president and founder of MBC. “Uniquest is an unprecedented fusion of a centralized title item, coordinated regional closing solutions, and enhanced consumer assistance. Lenders and brokers will be in a position to perform collectively on The Mortgage PPO and The Realty PPO platform to control title turn instances and monitor the quality of regional settlement agents. ”

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Uniquest will not require the MBC mortgage broker providers to modify their internal processes to accommodate current Lenders Advantage applications or call for adapting to a customized variation of centralized closing. As an alternative, Uniquest is a total modification of Lenders Advantage applications and will wrap about the existing approach of most mortgage brokers.

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The MortgageChoice Plan voluntary advantage, launched in June 2004 on The Mortgage PPO platform, utilizes the purchasing energy of the employee group to offer discounted pricing and offers a decision of preferred providers and 1-quit shopping comfort. In July, MBC launched The Realty PPO, which functions cash rebates and credits to employees for the obtain or sale of properties, a decision of pre-screened Realtors

SmartCare Worldwide Unveils SmartChoice Healthcare Travel Giveback Advantage for Employer Healthcare Applications

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Houston, TX (PRWEB) June 28, 2013

In the course of a time of healthcare reform and uncertainty, the globalization of the healthcare sector and rising popularity of healthcare tourism, SmartCares medical travel benefit is getting referred to as a concrete remedy to increasing fees and restricted access to healthcare in the U.S.

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SmartCares revolutionary medical travel benefit supplies new opportunities for employers and personnel alike. Till now, traditional setup and implementation of employee advantage programs would entail a struggle on behalf of most employers to meet deadlines and finalize a healthcare program in the fall of each year, to be active by the 1st of January. SmartCares benefit can be added into an current healthcare plan in as speedily as 30 days, at any time during the year with out any regulatory or accounting concerns, and will not alter or influence any established cafeteria strategy. In several cases, healthcare travel healthcare expenditures can be reimbursed from currently current tax-advantaged spending accounts.

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Using their knowledge in the industry and knowledge of U.S. employer objectives and challenges, SmartCare Worldwide constructed the benefit to be no extra cost or added threat to the employer, and call for no extra HR or administrative resources. The benefit will serve as an crucial give-back opportunity for staff, where employers will take the credit for offering increased advantages for the duration of a time of frequent reductions.

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SmartCare executive Rick Huntington says, A no-expense added benefit might just be the preventative medicine employees need just before possessing to absorb healthcare reform. Until now, employers have had a ‘wait-and-see’ attitude with all the uncertainty that came with modifications in healthcare legislature. Because theres no cost to adding our health-related travel advantage to employee positive aspects programs, theres no purpose to wait. Employers are becoming active and seeing they now have access to true options from companies like SmartCare.

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SmartCare is targeting the Houston, Texas region for the official launch of the SmartChoice medical travel benefit. Interested employers will have the chance to visit Costa Rica, the principal healthcare tourism location chosen by SmartCare, to familiarize themselves with SmartCares globe class network of medical facilities and medical specialists, which includes Joint Commission International (JCI) accredited hospitals, expert surgeons and specialists, and the on-internet site SmartCare Worldwide employees in Costa Rica.

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Had been targeting the Houston location for the official launch of the SmartChoice advantage solution due to our long standing presence and reputation here consulting with employers on their healthcare programs, but employers nationwide also have immediate access to the SmartChoice healthcare travel benefit. Have been excited about the influence our solution will have in terms of delivering solutions in a quite uncertain healthcare industry. Coming up with a name for the advantage was simple its tough to refute that intelligent rewards, sensible medicine and smart savings make up a sensible choice for U.S. employers.

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About SmartCare Worldwide: &#13

SmartCare Worldwide is an innovative medical travel firm with corporate headquarters in Houston, Texas. As health-related travel facilitators, SmartCare provides a wide variety of flexible medical travel advantages and services for companies of all sizes, including worldwide enterprises. Our skilled consultants perform closely with clients to design and style and administer the most price-successful, adaptable healthcare travel benefits options. We give full implementation and administration of our health-related travel benefits program and are committed to supplying exemplary, ongoing responsiveness that assures measurable, extended-term value in each and every client connection.

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Genuine Estate Investors Shifting Their Approaches to Take Advantage of Economic Downturn

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Sunnyvale, CA (PRWEB) April 3, 2009

Real estate investors across the nation may be salivating over bank-owned properties and short-sales provided at bargain-basement prices, but how do they know the perfect time to get? How will they find purchasers to purchase these properties? How do they generate cash flow in this economy? A lot of investors want to shift their strategies and provide new services to remain in the game throughout these difficult economic instances. MyPropFolio, an on the internet software program answer for real estate investors, has changed their strategies as properly, to assist investors and other true estate pros keep up-to-date with present industry trends.

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The number of home owners seeking to quick-sale their house or get loan modifications continues to develop at a fast pace. This is a wonderful opportunity for actual estate specialists to diversify their solutions, in order to capitalize on these market conditions.

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In today’s economy it has never ever been far more vital to streamline your investing process, handle your properties closely and keep expenses at a minimum. MyPropFolio’s Community Event May two-three, 2009 in Tempe, is designed to educate true estate specialists on the technologies tools, marketing and advertising strategies, investing tactics and new business possibilities they want to succeed . Experts in the fields of online marketing, actual estate investing, loan modifications, and genuine estate technology tools will be there to teach investors expertise and new approaches to ensure their profitability in 2009 and beyond.

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“Creating funds in today’s real estate marketplace is attainable if you have the tools to adapt to current trends. I have gathered major sector specialists who have identified those trends and will be presenting cutting edge options that will aid you keep lucrative and ahead of the game!” Heather O’Brien, Co-Founder MyPropFolio.

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MyPropFolio’s Very first-Ever Community Occasion, Real Estate two.: Actual Estate Technologies for Today’s Industry, will be held in Tempe, AZ at the Tempe Mission P alms Hotel on May two-3, 2009 from 9AM – 6PM each and every day. The price of the occasion is $ 99, or free with any obtain of $ 99 or a lot more at the event. All attendees should bring their laptops, as this will be a live, interactive coaching. Wireless access and plug-ins for the laptops will be supplied. To register or for more information go to: http://www.mypropfolio.com/could_occasion.html To join the MyPropFolio Neighborhood, a free social networking website for genuine estate investors (currently at 18,000+ users), click right here: http://www.mypropfolio.com/Community.asp

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Developed by Genuine Estate Investors for Real Estate Investors, MyPropFolio is an on the web software program resolution that tracks Actual Estate investments from notion to close, while delivering a social networking platform for all users. MyPropFolio gives the necessary tools to empower actual estate investors to maximize their time and sources!

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Make contact with Info:

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MyPropFolio&#13

Sheri Barker, Operations manager&#13

MyPropFolio&#13

830 Stewart Drive Suite 212&#13

408.834.7644 x3&#13

http://www.mypropfolio.com&#13

sheri(at)mypropfolio.com

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Penn Mutual Life Insurance coverage Business Announces New Living Advantage for Chronically-Ill

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Horsham, PA (Vocus) October 5, 2010

The Penn Mutual Life Insurance coverage Firm, a much more than 163-year-old firm, is pleased to introduce a new living benefit for permanent life insurance coverage policyholders who grow to be chronically ill: The Chronic Illness Accelerated Advantage. This protection is made to give Penn Mutual permanent life insurance coverage policyholders with the alternative to access a portion of their policy death advantage to give an further resource to help assist with the daily demands of a chronically ill individual. There is no charge for the advantage and no effect on the policy values unless it is used.*

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The Chronic Illness Accelerated Benefit can aid pay for individual, healthcare, nursing home and household costs. It can also aid in covering the price of unique equipment or modifications to a living space. There are no restrictions on how the cash can be utilised.

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Access to this advantage is topic to a waiting period that in most states is two years. After that time, a licensed healthcare practitioner need to certify that the policyholder is unable to perform two of the six activities of everyday living or suffered from a serious cognitive impairment for at least 90 consecutive days within the prior 12 months. Activities of every day living consist of: bathing, continence, dressing, consuming, toileting and transferring.

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This new living benefit provides a financial security net for these impacted by chronic illness, says Ray Caucci, Vice President, Item Management. The Chronic Illness Accelerated Advantage can help ease the economic and emotional burden of caring for a chronically-ill person.

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The Chronic Illness Accelerated Advantage is automatically included on most newly issued Penn Mutual life insurance policies and, upon request, might be added to eligible policies currently in force.**.

Borrowers taking advantage of the temporary SBA 504 refinance program with Industrial Loan Direct advantage from better terms and reduced rates

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Atlanta, GA (PRWEB) April 30, 2012

With the SBA 504 refinance program coming to an end on September 27, 2012, Commercial Loan Direct a business division of CLD Capital, one of the top online originators of commercial loans and apartment loans in the country is seeing more borrowers than ever taking advantage of the higher lending limits and take-out option of the SBA 504 loan program for owner-occupied properties.

Commercial Loan Direct, a business division of Atlantas CLD Capital, is making a call to borrowers with owner-occupied properties that would qualify for SBAs 504 program. They say that now is the time to take advantage of this program, especially for borrowers that have properties that are difficult to refinance through conventional means, before it ends this coming fall.

USES. Proceeds may be used for the refinance of existing commercial loans whose proceeds were used substantially (85%) to acquire fixed assets eligible for the SBA 504 program. In addition, loan proceeds may be used to pay Eligible Business Expenses such as maintenance of building (no expansion to building), equipment purchases, rent, utilities, inventory or other obligations. These expenses must be incurred but not paid prior to the date of the application or come due within 18 months of the date of the application. All proceeds must have been used for the benefit of the small business concern.

STRUCTURE AND BORROWER EQUITY.

50%, varies – Loan secured by a senior lien from a third-party lender for not less than the net 504 loan.

Up to 40% – SBA 504 Loan secured by a junior lien from CP/SBA.

Not <10% – Borrower equity in the existing real estate and/or cash injection as needed. Additionally, the Borrower may pledge equity in any other fixed assets that are acceptable to SBA as collateral.

The Third Party loan and the 504 loan combined may not be more than 90% of the fair market value of the fixed assets securing the loan. In no event may it exceed the outstanding principal balance of the debt refinanced, eligible business expenses & closing costs.

COLLATERAL. An independent appraisal supporting the fair market value of the fixed assets being refinanced and any other assets being offered as collateral whether commercial or residential must be submitted at SBA application. The appraisal(s) must be dated within six (6) months of the date of application.

FEES. The Borrower is required to pay an annual guarantee fee to cover the cost of the refinancing program in the amount of 1.043%.

ELIGIBILITY REQUIREMENTS.

Commercial Loans being refinanced must have been current for the past year according to the original or modified terms, with no payment being past due for more than 30 days. Any modification must have been entered into prior to issuance of SBA final rule on 10/12/11. A transcript must be provided to demonstrate compliance with this requirement. For the refinancing of same institution debt, the transcript of account for the entire period of the loan must be provided. This will be used to determine the overall creditworthiness of the Borrower.

No refinancing where the creditor on the debt to be refinanced is in a position to sustain a loss; causing a shift to SBA of all or a portion of a potential loss from an existing debt.

Debt being refinanced must have been incurred not less than two years prior to the date the application is received by SBA. Additionally, the small business concern must have been in business for two years prior to the submission of the application.

Debt may be refinanced even if it does not meet the job creation requirement or other public policy goals set forth by the SBA. In such case, the 504 loan size may not exceed the amount obtained by multiplying the number of full-time equivalent employees (40 hour work week) of the Borrower by $ 65,000.

Borrower must currently occupy 51% of the building being refinanced.

RESTRICTIONS.

No refinancing of loans with an existing federal guaranty; such as an SBA 7(a) or 504 loan or an USDA loan.

No refinancing of debt to an Associate of the Borrower, an SBIC, or New Market Ventures Capital Companies (NMVCC).

When the debt being refinanced is same institution debt, the Third Party Loan cannot be sold on the secondary market as part of a pool of guaranteed loans.

CLOSING.

All loans approved must be closed within 6-months. Loans will be canceled by SBA if not funded during this time period.

When loan being refinanced is Same Institution Debt, either an escrow account or an interim loan may be used. When loan being refinanced is not Same Institution Debt, an interim loan must be used.

Any delinquency on loans being refinanced after SBA approval but before the loan funding must be reported to the SBA as an adverse change.

Approved under the Small Business Jobs Act of 2010, the SBA 504 Temporary Refinance Program allows for the refinance of qualified debt under the SBA 504 Loan Program through September 27, 2012.

View CLD’s SBA Commercial Interest Rates







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Advantage US Vets Desires to Employ Our Heroes, the Forgotten Veterans

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Clayville, N.Y. (PRWEB) June 11, 2013

American veterans are coming property each and every day, only to wind up standing in an employment line. And, sadly, theyre joining the hundreds of thousands vets nationwide already in line.

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These brave guys and girls answered the contact of national service, usually at the high cost of fantastic individual peril and sacrifice. They did a wonderful job: they served us nicely. But when it comes time for their uniforms to come off and return to civilian life, there is no perform. These veterans are Americas forgotten heroes.

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“Federal, state and neighborhood governments guarantee support. So do companies, large and tiny. But the difficulty persists. Several Americans assume the Veterans Administration (VA) takes care of all this, but the truth is that the VA is severely underfunded and understaffed, and cant meet all of the wants of veterans. And so, too often, in seeking employment, vets get caught in red tape,” mentioned Capt. Mark L. Dyson, U.S. Air Force (ret.), and AUV President.

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Thats why nonprofits like Benefit US Vets Inc are a vital remedy to the problem. As Americans, these veterans fought in our name. Now its our time to step up with the support they want when and where they want it.

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The flagship Advantage US Vets project, the Roots &amp Sprouts Farmstead, establishes an upstate New York not-for-profit workplace to employ honorably discharged veteransand supply them a very good paycheck. In the method, it creates an innovative model to tackle the pernicious unemployment among those who have selflessly devoted themselves to our country.

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To support Roots &amp Sprouts, Advantage US Vets seeks your donation through its on the web fundraiser at the IndieGoGo internet site. All Americans interested in making sure employment for U.S. veterans are encouraged to give now. By going to AUVs Indiegogo campaign you can understand much more, and make a difference in the lives of those who served us honorably.

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We are taking bold methods to make the farmstead a reality, Dyson stated. We require your donation. Our vets need to have your support if they are to locate their way out of the despair, depression, hunger, and loneliness that besets them as they make the hard transition to civilian life in todays uncertain economy.

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Roots &amp Sprouts is primed to guide and direct honorably discharged veterans as they take the methods needed to leave their military lives to turn out to be gainfully employed, taxpaying citizens.

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They deserve the great life they fought valiantly to defend. AUVs applications are made to meet the variety of needs of returning veterans. Veterans on the farmstead earn competitive local wages and salaries to carry out a assortment of jobs, from farming, to animal husbandry, to hospitality, and a lot more. With accountability.

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Unemployment is an ongoing issue for U.S. veterans. The number of unemployed veterans in February 2013 was 772,000, a decline of only five,000 from a year earlier, according to federal labor statistics. The issue has been so intractable that it not too long ago attracted coverage from The Washington Post which followed the travails of 1 National Guard officer trying to secure employment for regional veterans in Oklahoma.

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Veterans developed Roots &amp Sprouts for veterans, to help them help themselves. They function in a setting, which is safe, desirable and delivers assistance, instruction, knowledge and companionship. AUVs mission is diverse, revolutionary, and holistic. AUV applications supply recognition, respect, responsibility and rewards.

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Upstate Central New York is identified for its natural beauty, its fertile countryside, and its historic towns and villages. The area provides profession, cultural, educational, ad recreational opportunities in each and every direction.

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We want to give veterans with good jobs. Through our outreach applications and other activities, we also offer them an overall expertise to assist them successfully re-enter civilian life, Dyson said.

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About Benefit U.S. Vets

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Benefit U.S. Vets (AUV) is a veterans driven non-profit organization aimed at enhancing the employment picture for not too long ago returning honorably discharged American veterans from all branches of the armed forces. All members of the volunteer Board of Trustees have a veteran connection. For much more information, check out advantageusvets.org.

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Make contact with:&#13

Betsy Browne, Executive Director, (315) 737-8685, betsybrowne(at)advantageusvets(dot)org&#13

Scott Nance, Director of Strategy and Public Affairs, (301) 515-0749, scottnance(at)advantageusvets(dot)org

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Advantage Legal Group Providing three Foreclosure Defense, Mortgage Mediation Seminars in January for Property owners in Washington State Facing Foreclosure

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Bellevue, WA. (PRWEB) December 19, 2012

Benefit Legal Group is Supplying three Foreclosure Defense Seminars in January 2013 to teach Washington State home owners facing foreclosure about the choices offered which includes mortgage mediation under the Washington State Foreclosure Fairness Act, mortgage modification, real estate brief sales and bankruptcy.

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The Washington Foreclosure Fairness Act (FFA) offers Washington State property owners facing foreclosure a little known proper to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation system right after Nevada and Maryland. Although the law has been in effect since July 22, 2012, it is estimated that much less that ten% of those eligible have availed themselves of the system to date. &#13

The so referred to as Foreclosure Fairness Act, offers distressed home owners operating with an lawyer or housing counselor, the right to an in-particular person mediation procedure to steer clear of foreclosure of their primary residence. Home owners can’t request mediation themselves and have to request it by way of an attorney or housing counselor. Numerous smaller sized banks and credit unions are exempt if they had much less than 250 foreclosures in the state in the previous year.

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Washington State attorney, Jonathan Smith, with the law firm of Advantage Legal Group says this can be extremely effective indicates for most homeowners facing foreclosure to mediate a modification of their loan and avoid foreclosure. For those eligible, the Foreclosure Fairness Act (FFA) provides framework via which mortgages can be re-negotiated.

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The method is overseen by the Washington State Department of Commerce. Once mediation is requested by an lawyer or housing counselor, the Department of Commerce assigns a mediator. The law then requires the parties to exchange monetary data and demands the banks to provide proof of ownership of the loan as effectively as an accounting of all charges and charges. If the homeowner was previously declined for a modification, they are necessary to state why and supply any appraisals or other details relied upon. The Act also requires the bank to appear at the face to face mediation with their attorneys and a individual from the bank present with the authority to sign off on a loan modification on the spot.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a excellent quantity of his clientele are acquiring modified loans by way of this procedure and numerous have seen dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the customers circumstance, but we are typically in a position to bring a clients loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith routinely attains these outcomes for his clientele. It is not unusual for my customers loans to be recast at rates as low as 2% interest price says Jonathan Smith.

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Carmen Arruda, Regional Account Manager, with Fidelity National Title, says I am seeing excellent results from this program and hope that much more property owners will avail themselves of this mortgage mediation plan. It is heartbreaking to see so several individuals foreclosed upon every single month who do not even know about this fabulous program offered to Washington State property owners. I do not recognize why the state or the media dont market the Foreclosure Fairness Act or mortgage mediation far more.

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As a bankruptcy lawyer in Bellevue, Seattle and Western Washington, Jonathan Smiths law firm also utilizes federal bankruptcy law to eliminate unsecured debt, and if the value of the home is much less than what is owed on the very first mortgage, to strip off second or third mortgages and discharge them in bankruptcy. The mediation method can also be employed to negotiate brief sales as properly. Says attorney Jonathan Smith. Our firm has negotiated hundreds of quick sales, says Mr. Smith and we frequently combine these approaches, renegotiate the very first mortgage via mortgage mediation and strip off second mortgages all together via a chapter 13 reorganization bankruptcy to attain fantastic results for our consumers.

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Benefit Legal Group is a debt relief agency providing foreclosure defense services in Washington State which includes mortgage mediation, mortgage modification, brief sales and bankruptcy.

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Benefit Legal Group provides free of charge foreclosure defense seminars in Western Washington. The following is the schedule of upcoming foreclosure defense seminars for January 2013. &#13

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Advantage Legal Group Opens Second Workplace in Seattle

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Seattle, WA (PRWEB) January 09, 2013

Seattle Bankruptcy Attorney Jonathan Smith opens Seattle office for Advantage Legal Group.

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Now with two Seattle location offices in Seattle and Bellevue.

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Benefit Legal Group provides bankruptcy and foreclosure defense services like Chapter 7 bankruptcy, Chapter 13 bankruptcy, mortgage mediation, mortgage modification and true estate brief sales.

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Seattle homeowners facing foreclosure on a Seattle property can find out about the legal possibilities available at one of three Seattle region foreclosure defense seminars in January.

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Bellevue: Saturday Jan. 12th from 10:00 AM to Noon – Coast Bellevue Hotel – 625 116th Ave NE, Bellevue, WA. 98004

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Lynnwood: Monday Jan. 14th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036

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Tacoma: Wednesday Jan 16th from 7:00 PM to 9:00 PM – Greater Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

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Space is limited so confirm a spot by submitting the registration kind on the Benefit Legal Group Site.

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The foreclosure defense seminars teach attendees about choices such as mortgage mediation, mortgage modification, bankruptcy, quick sales and the Washington Foreclosure Fairness Act. Seattle region residents thinking about bankruptcy or facing foreclosure are encouraged to attend and learn about the alternatives available.

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The new Seattle workplace for Advantage Legal Group is situated at:&#13

701 5th Ave, 42nd Floor, Seattle, WA 98104

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Advantage Legal Group also provides free of charge consultations for Seattle bankruptcy and Seattle foreclosure defense.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a wonderful quantity of consumers facing foreclosure in the Seattle region are obtaining modified loans via the mortgage mediation method and a lot of have observed dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the consumers scenario, but we are typically capable to bring a consumers loan, that is months or even years behind, present and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith often attains these results for his clients. It is not uncommon for my customers loans to be recast at prices as low as two% interest rate, says Jonathan Smith.

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Connected Loan Modification Services Press Releases

LoanSafeMods.coms New Video Review Shows How The REST Can Advantage Struggling Property owners

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San Diego, CA (PRWEB) March 29, 2013

LoanSafeMods.com has helped several struggling property owners to connect with the REST Report, a very helpful third celebration analytics tool that can support them to find solutions to their mortgage problems. One particular of the most significant benefits of employing this report is that it can support to speed up stalled modification applications.

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Several people uncover that when they try to apply for a mortgage modification, the process requires forever and can be very a hassle. Crystal, a homeowner who was struggling with her mortgage modification application, attests to this in a new REST assessment released by LoanSafeMods.com.

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In her assessment, Crystal explains how she had been struggling for many months to get her loan modification authorized. She stated that every single time that she would submit her request she would get a telephone call from her bank telling her that she needed to submit new documents or resubmit the complete application since it had been lost.

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This was very frustrating for Crystal, as she in no way knew when she would be forced to leave her home due to the impending foreclosure she was facing if she could not get the modification. At one point she woke up in the morning to discover a Notice of Sale taped to her front door.

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Soon she was getting calls from realtors telling her that her only option was to settle for a short sale. People have been coming by to photograph her house and it was a extremely scary time for Crystal.

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Lastly Crystal found the REST Report through LoanSafeMods.com. She ran the report and was shocked to see that she in fact had a lot of more choices than what the bank was telling her she had. Now she had the self-confidence to resubmit her request with the REST Report attached.

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Inside a very brief time the application was finally approved and Crystal was able to get the modification that she needed so that she could keep up with the payments on her home. Crystal says in her REST assessment:

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If you believe youre losing your property everythings going down the drain. You dont have a spot to reside, everythings uncertain, you dont know what tomorrows going to bring. But when I had the report in my hand I knew that every little thing would be okay.

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After the modification was approved, Crystals monthly payments went down from $ 1,700 to $ 728. She is quite happy that she discovered the REST Report and was capable to keep her property. She knows that acquiring the quick approval from her bank is not one thing that she could have done on her own, and she is really thankful for all the aid that the REST Report group gave her in her time of need.

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She ends her assessment by saying:

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If I can give property owners any advice it would be to take the suggestion and get the house income evaluation done. Theres no danger absolutely no risk. Get it done! See what it can do for you. It worked for me!

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For much more information on how the REST Report works and how it can support advantage property owners who are getting a challenging time creating their payments or are facing foreclosure, please pay a visit to LoanSafeMods.com.

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Advantage Legal Group Announces Seattle Area Foreclosure Defense Seminar Dates For May 2013

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(PRWEB) May 11, 2013

Advantage Legal Group is offering 3 free foreclosure defense seminars in the Seattle area in May 2013. The seminars focus on legal options for homewoners facing foreclosure in Western Washington and will be held in Bellevue, Tacoma and Lynnwood.

Homeowners facing foreclosure on a Seattle area home have legal options they may not be aware. Advantage Legal Group’s Seattle Foreclosure Defense Seminars focus on foreclosure defense strategies including mortgage mediation, deed in lieu of foreclosure, mortgage modification, real estate short sales, the Washington Foreclosure Fairness Act and bankruptcy options.

Attorney Jonathan Smith says, “Seattle area homeowners have legal rights when facing forecloure and the focus of the foreclosure defense seminars is to help homeowners understand all possible options available when facing foreclosure on a home in in the Seattle area including Bellevue, Tacoma, Everett and Western Washington.”

The Seattle foreclosure defense seminar dates for May 2013:

Lynnwood: Tuesday May 14th from 7:00 PM to 9:00 PM – Lynnwood Convention Center 3711 196th St. SW Lynnwood, WA. 98036

Tacoma: Thursday May 16th from 7:00 PM to 9:00 PM – Greater Tacoma Convention and Trade Center – 1500 Broadway, Tacoma, WA. 98402

Bellevue: Saturday May 18th from 10:00 AM to Noon – Coast Bellevue Hotel – 625 116th Ave NE, Bellevue,WA. 98004

Homeowners facing foreclosure in Seattle or considering filing for bankruptcy are encouraged to attend this seminar to learn about all the options in Washington State before making a decision. There is no cost to attend the Seattle foreclosure defense seminars.

Space is limited so attendees are encouraged to pre-register at the Advantage Legal Group website.

Jonathan Smith, whose firm serves most of Western Washington, notes that a great number of his clients are obtaining modified loans through the mortgage mediation process under the Washington Foreclosure Fairness Act. (FFA) which gives the homeowner facing foreclosure the right to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation program after Nevada and Maryland. While the law has been in effect since July 22, 2012, it is estimated that less that 10% of those eligible have availed themselves of the program to date.

The so called Foreclosure Fairness Act, gives distressed homeowners working with an attorney or housing counselor, the right to an in-person mediation process to avoid foreclosure of their primary residence. Homeowners cannot request mediation themselves and must request it through an attorney or housing counselor. Many smaller banks and credit unions are exempt if they had less than 250 foreclosures in the state in the previous year.

Many distressed homeowners have seen dramatic reductions in their monthly loan payments. Smith says Of course it is dependent on the clients situation, but we are often able to bring a clients loan, that is months or even years behind, current and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith regularly attains these results for his clients. It is not unusual for my clients loans to be recast at rates as low as 2% interest rate says Seattle bankruptcy Attorney Jonathan Smith.

Advantage Legal Group is a debt relief agency specializing in foreclosure defense and bankruptcy services under the bankruptcy code. Advantage Legal Group has 2 Seattle area offices in Seattle and Bellevue, Washington