Tag Archives: Affordable

Creating Properties Affordable Expiration Date Pushed Back Via 2015 LoanLove.com Weighs In On How This Will Have an effect on Struggling Homeowners

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San Diego, CA (PRWEB) June 30, 2013

LoanLove.com has a mission to support buyers and borrowers alike in getting the most recent details on mortgage lending trends, the actual-estate market and the U.S. economic landscape for the purpose of helping them receive a property loan they adore. The group at LoanLove.com is devoted to aid empower each very first time and knowledgeable property owners with useful resources, first-class expertise and connections to leading-rated business specialists. To fulfill this goal LoanLove.com is continually updating their website with new articles and guides. A new write-up on LoanLove.com testimonials how the lately announced Producing Properties Reasonably priced expiration date extension through 2015 will benefit homeowners who are facing foreclosure.

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The announcement of the extension of the Making Homes Cost-effective initiative is wonderful news for millions of struggling property owners who qualify for the Residence Affordable Modification Plan (HAMP) but who have not yet had the chance to do so or basically have been unsure about all the HAMP plan details.

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LoanLove.com says: The Obama administration has announced a HAMP extension for two extra years, by means of 2015. It will be extending its hallmark Generating Home Reasonably priced (MHA) initiative until the finish of 2015, hoping the extension will allow more homeowners to take benefit of loan modifications which can support them steer clear of foreclosure. Instantly following the statement by the administration, the Federal Housing Finance Authority (FHFA) directed mortgage underwriters Fannie Mae and Freddie Mac to continue aiding homeowners through the governments well-known House Affordable Modification Program (HAMP) throughout the extension period.

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As stated in the quote above, the extension will aid many far more home owners to benefit from the system, which was initially projected to supply help to as many as three million to four million property owners, but so far only about 1.1 million homeowners have taken benefit of the system. Partially to blame for this lack of participation is the reality that the original HAMP qualification specifications have been as well cumbersome and demanding for homeowners. Also, home loan modification can be a complex method driven mostly by the lender, which has resulted in some property owners not getting fair remedy. Even so each these troubles can be avoided the needs are now considerably much more streamlined and homeowners can have an independent analysis of their loan accomplished with the REST Report in order to avoid any errors.

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General, the extension is wonderful news for property owners who are struggling to ward off foreclosure and stay in their residences. In a statement relating to the extension, Treasury Secretary Jack Lew stated the extension supplies vital relief to homeowners nonetheless facing important financial troubles. He says: The housing industry is gaining steam, but several property owners are still struggling. Extending the system for two years will benefit many extra families whilst preserving clear requirements and accountability for an crucial part of the mortgage sector.

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For a lot more information on the recent Home Cost-effective Modification System extension and for other articles, information, on the web resources and interactive mortgage tools that can assist borrowers to find house loans for their exclusive economic and mortgage circumstance, please pay a visit to LoanLove.com.

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Eagle Ridge of Decatur Affordable Assisted Living to Host Lunch on Us

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Bradley, IL (PRWEB) July 04, 2013

Eagle Ridge of Decatur, a BMA affordable assisted living neighborhood, is hosting a Lunch on Us from 11 a.m. to 1 p.m. on Tuesday, July 9.

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The neighborhood, which is located at 875 W. McKinley Ave. in Decatur, Illinois, serves older adults of all incomes, such as those on Medicaid, who need to have some aid to preserve their independence.”

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“We invite you to take advantage of this specific chance to visit Eagle Ridge, attempt the cuisine, and chat with residents,” says Amy Bretz, Administrator of the cost-effective assisted living neighborhood.

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There is no expense to attend. Tours of Eagle Ridge will be obtainable.

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To RSVP or for far more details, contact 217-872-1282.

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Eagle Ridge is certified to operate by way of the Illinois Supportive Living system and is managed by BMA Management, Ltd., the largest provider of assisted living in Illinois.

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The community combines residential apartment-house living with the availability of private assistance, aid with medications, and a variety of convenience and support solutions.

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“We offer older adults of all monetary signifies with a wonderful option to a nursing residence or to struggling alone at home,” says Bretz.

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Residents reside in private apartments that they furnish and decorate to their taste. Every of the studio and a single-bedroom floor plans include a kitchenette, spacious bathroom with shower and grab bars, individually-controlled heating and air conditioning, and an emergency alert system.

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Certified nursing assistants, working beneath the path of a licensed nurse, are on-duty 24 hours a day, seven days a week. All three meals every day, housekeeping and laundry are among the incorporated services.

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“Residents also benefit from all of the possibilities that are obtainable to socialize with buddies and neighbors and to participate in activities and unique applications,” says Bretz.

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BMA Management, the organization that has operated Eagle Ridge given that the community opened for occupancy ten years ago, is primarily based in Bradley, Illinois.

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“Our concentrate,” says Rod Burkett, President and CEO of BMA, “is to provide the residents of Eagle Ridge with the adore, compassion and dignity they deserve and the support and help they need. Our emphasis is on helping each and every resident attain and sustain as much independence as attainable for as lengthy as achievable.”

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Communities managed by BMA include the Bowman Estates inexpensive assisted living neighborhood in Danville, Illinois the Heritage Woods cost-effective assisted living communities in Charleston, Flora and Watseka and the Prairie Winds reasonably priced assisted living community in Urbana.

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BMA also manages the Bridle Brook of Mahomet assisted living and memory care community in Champaign County.

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For much more info about BMA Management the assisted living, senior living and memory care communities that the firm operates and the company’s management, improvement and consulting services, go to www-bma-mgmt.com or call 1-877-882-1495 toll-free.

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EC-Council Continues Gallant Work to Ensure Cyber Security Training is Produced Affordable to All at TakeDownCon Huntsville: Instruction and Conference Event, July 11-16, 2013

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Huntsville, AL (PRWEB) July 02, 2013

EC-Councils Rocket City TakeDownCon will not only provide the industrys best coaching to those who are seeking to enhance their cyber security savvy, but it will also provide the most affordability to these who have been hit by the sequester or other budgetary issues. Coming to Huntsville, Alabama this July, the Rocket City TakeDownCon offers EC-Councils flagship certification, the Certified Ethical Hacker, as nicely as their Computer Hacking Forensic Investigator and Certified Security Analyst for $ 2495. This price is currently the most value for the least investment on the market. Included in the value is the exam voucher, complimentary conference pass to attend the conference with notable addresses from speakers such as Adrian Crenshaw of IronGeek.com, breakfast and lunch for the duration of the class and conference, and now 6 nights of complimentary hotel stay at the Westin Huntsville.

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Advanced instruction classes are also obtainable at the TakeDownCon. These three-day courses range in topics from Advanced Penetration Testing, Mobile Hacking and Forensics, and Sophisticated Network Defense. When asked about the Sophisticated Network Defense (CAST 614), Kevin Cardwell, instructor/author says, This is a three-day extensive and fast paced course that will take the perspective of the hacker and use that as a foundation for defending against future attacks. It is surely exciting becoming on the offense, executing the actual hacking and penetration testing, but when it comes to reality, most of us have to play roles requiring a strong defense.

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The advanced education courses run $ 1999 and also consist of the complimentary conference pass, breakfast and lunch during the class, and conference and five nights of complimentary hotel remain.

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All courses presented at The Rocket City TakeDownCon come with Certificates of Attendance so that attendees can apply the event to their continuing education credits, essential to preserve up most certifications. Time spent at the conference outcomes in 1 continuing education credit per hour of attendance.

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To discover more about The Rocket City TakeDownCon and to register for the event, go to http://www.takedowncon.com/rocketcity.

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About TakeDownCon

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TakeDownCon is a highly technical forum that focuses on the most recent vulnerabilities, the most potent exploits, and the existing safety threats. World-class sector insiders come to share their expertise, giving delegates the opportunity to learn about the industrys most crucial issues. With two days and two dynamic tracks, delegates will spend Day 1 on the Attack, understanding how even the most protected systems can be breached. Day 2 is committed to Defense, and delegates will find out if their defense mechanisms are on par to thwart nefarious and persistent attacks. TakeDownCon offers the most sought after technical instruction and certification classes offered through Hacker Halted Academy by leading instruction companies and led by well-respected instructors

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About Dynetics

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Dynetics delivers the “Power of Solutions” to government and commercial customers in the locations of intelligence, missiles, aviation, cyber and space. Primarily based in Huntsville, Ala., with offices throughout the United States, Dynetics is a mid-tier company that provides total lifecycle analysis, engineering and hardware options to assistance consumer missions.

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For much more data, check out http://www.dynetics.com.

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About EC-Council

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The International Council of E-Commerce Consultants (EC-Council) is a member-based organization that certifies folks in various e-business and security skills. EC Council is the owner and developer of the planet-renowned E-Council Certified Ethical Hacker (CEH), Pc Hacking Forensics Investigator (CHFI), Certified Safety Analyst (ECSA), License Penetration Tester (LPT) applications, and a variety of other folks provided in over 60 nations about the globe. These certifications are recognized worldwide and have received endorsements from various government agencies including the US Federal Government via the Montgomery GI Bill, and the US Government National Security Agency (NSA) and the Committee on National Security Systems (CNSS) certifying EC-Councils Certified Ethical Hacking (CEH), Network Safety Administrator (ENSA), Laptop Hacking Forensics Investigator (CHFI), Disaster Recovery Professional (EDRP), Certified Security Analyst (E|CSA) and Licensed Penetration Tester (LPT) program for meeting the 4011, 4012, 4013A, 4014, 4015 and 4016 instruction standards for data security experts and most recently EC-Council has received accreditation from the American National Requirements Institute (ANSI).

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For a lot more info about EC-Council, please pay a visit to http://www.eccouncil.org.

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Florida’s Affordable Loan Modification Business Keeplivinginyourhome.com Comments On Rise In Foreclosures

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Boca Raton, FL (PRWEB) December 21, 2009

With the existing unemployment price in the U.S. rising to almost 10%, the foreclosure crisis has impacted practically 938,000 properties amongst July to September, compared with 890,000 in the earlier quarter, and a 23% increase from the third quarter of 2008. According to RealtyTrac, if this trend continues, foreclosures may hit about 3.five million this year, compared to two.three million homes last year.

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With foreclosure prices rising, it is critical for property owners to be educated about how they can avoid foreclosures. Although the Federal Governments $ 75 billion loan modification system has accomplished its objective of starting trial loan modifications for 500,000 financially-troubled home owners, a huge quantity of property owners are still at threat, said Farid Dallal, owner and CEO of Keeplivinginyourhome.com Loan Modifications.

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According to Mr. Dallal, although numerous lenders consider troubled homeowners for a mortgage modification to steer clear of foreclosure, a lot more borrowers could face foreclosures as their moratoriums end. I think that home owners must be given the opportunity and support needed to preserve their properties. The loan modification procedure can be quite confusing for home owners. The reality is there are no genuine set parameters that qualify a homeowner for a modification, mentioned Mr. Dallal.

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He also added that most banks are at the moment taking amongst six months to a year to make a decision on a mortgage application. Quite often, soon after waiting for so lengthy, the loan modification is denied and the homeowner has to eventually face foreclosure. Purchasers who apply for loan modifications need to 1st realize what the approach entails. Loan modifications can affect your credit rating by a 50-one hundred points. If your economic situation is only temporary, it may not be the very best alternative considering that it would be tough to rebuild your credit.

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To avert a foreclosure, Mr. Dallal advises borrowers to get in touch with their lender to go over foreclosure prevention alternatives as quickly as they comprehend they have a issue generating payments the longer they wait, the fewer options they may have. They must also be wary of foreclosure recovery scams and educate themselves about their mortgage rights and foreclosure laws and time-frames in their state.

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At Hold Living In Your Home, we think the greatest way to keep in your home with an cost-effective payment is to assess the existing circumstance and decide what methods are required to qualify for a refinance. A refinance has set parameters that have to be met in order to qualify, which helps our loan officers determine what needs to be carried out to make the refinance a reality, Mr. Dallal commented.

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For more info, contact 1-877-500-3001 or check out http://www.keeplivinginyourhome.com/loanmodification/loan-modifications/checkeligibility.asp

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About Keep Living In Your Property, Inc.

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Maintain Living In Your Residence is a cost effective loan modification company, that offers loan procedure, refinance, property obtain, debt consolidation, and house equity loan solutions. The company gives consumers with the knowledge they need to make the appropriate decisions to move forward with the loan approach. With its very knowledgeable and skilled mortgage consultants and processing division, Keeplivinginyourhome.com Solutions offers consumers the greatest loans to fit their wants. As an business leader, the company takes pride in its vast knowledge of the mortgage industry and the items it delivers to borrowers. For much more details, pay a visit to http://www.keeplivinginyourhome.com/loanmodification/loan-modifications/states.asp?id=32

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Keeplivinginyourhome.com is now focusing its loan modification services on the comply with states. Alabama Loan Modification, American Samoa Loan Modification, Arizona Loan Modification, California Loan Modification, Colorado Loan Modification, Connecticut Loan Modification, District of Columbia Loan Modification, Federated States of Micronesia Loan Modification, Florida Loan Modification, Guam Loan Modification, Hawaii Loan Modification, Idaho Loan Modification, Indiana Loan Modification, Iowa Loan Modification, Kansas Loan Modification, Extended Island Loan Modification, Louisiana Loan Modification, Maine Loan Modification, Massachusetts Loan Modification, Michigan Loan Modification, Minnesota Loan Modification, Missouri Loan Modification, Montana Loan Modification, Nebraska Loan Modification, Nevada Loan Modification, New Hampshire Loan Modification, New Jersey Loan Modification, New Mexico Loan Modification, New York Loan Modification, North Carolina Loan Modification, North Dakota Loan Modification, Oklahoma Loan Modification, Oregon Loan Modification, Puerto Rico Loan Modification, Rhode Island Loan Modification, South Carolina Loan Modification, Tennessee Loan Modification, Texas Loan Modification, Utah Loan Modification, Virgin Islands Loan Modification, Virgina Loan Modification and Washington Loan Modification.

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An Affordable Forensic Loan Audit by Forensic Auditor Services and the Appropriate Legal Representation Can Help Save a Property

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Henderson, NV (PRWEB) August 26, 2011

Homeowner rights below Regulation Z are being violated and continue to develop at astounding rates, as proof of mortgage fraud becomes much more prevalent all through mortgage documents. Forensic Auditor Services provides 70% off their forensic audits beginning August 2011. With the increasing number of foreclosures, these audits have become a essential issue when it comes to saving a property.

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Regulation Z is a federal law requiring lenders to totally disclose in writing the terms and situations of a mortgage. Regulationz.org is an on-line service that supplies homeowners a forensic loan audit, at an really low cost. Regulationz.org also donates 40% of their sales to regional charities to assist struggling property owners. For only $ 295.00, a 70% discount from retail rates, Regulationz.org will help homeowners learn regardless of whether their lender has violated state or federal laws and can help a homeowner determine how to proceed if one learns these rights have been violated. Even if a home is in foreclosure, if violations prove particular, then a mortgage company might not be legally able to foreclose on a property. Court instances have reversed foreclosure primarily based on a forensic loan audit, proving that a homeowner can nevertheless save their residence if they have the appropriate evidence against their lender. Some of these audits sell for thousands of dollars but it is no longer essential to overpay for the same benefits.

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Forensic audits have turn out to be popular in terms of organizations stating they can supply a indicates to assist maintain a house from foreclosure or reduced an current mortgage price. What a lot of individuals do not know is how crucial these audits are in proving fraudulent activity below Regulation Z inside a mortgage. According to a report issued by FDIC, as higher as 80% of federally supervised banks that created loans for the duration of the mortgage boom were cited for patterns of compliance violations”. It is crucial for a homeowner, who is present on their mortgage payments, to know whether they could be paying on a poor mortgage. Or if a mortgage is in default then the audit might provide a cause for mortgage firms to negotiate with a homeowner whose property is underwater or who have attempted for a loan modification which at some point led to foreclosure. A mortgage lender with proven violations could owe a homeowner thousands of dollars a forensic loan audit is the initial step to take to reclaim what may possibly be owed.

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Audits alone will not aid a homeowner fight or cease a foreclosure it is a tool utilized for an attorney representing the homeowner to develop a foreclosure defense against the lender. Regulationz.org can help a homeowner determine if they have been a victim of fraud and can refer them to an lawyer that can offer you legal tips.

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Home owners need to have to find out their rights to defend against a fraudulent mortgage, which could save their property from foreclosure. The right tools will aid, Regulationz.org can supply them.

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Queens Bankruptcy Attorney Bruce Feinstein, Esq. Discusses Updates to the Home Affordable Refinance Program

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Queens, NY (PRWEB) May 08, 2013

The Federal Housing Finance Agency announced that it is extending the Home Affordable Refinance Program (HARP) through December 31, 2015. HARP was set to expire at the end of 2013. As a bankruptcy lawyer in Queens, New York, Bruce Feinstein, Esq. answers many clients questions about their homes and how to keep them during financial strife. Oftentimes their houses are underwater, or worth less than the amount owed on their mortgage, and HARP can be a valuable source of aid.

Mr. Feinstein explains that programs like HARP help owners with mortgages through Fannie Mae and Freddie Mac refinance their home loans. Certain criteria need to be met before assistance can be given. Fannie Mae or Freddie Mac must own the mortgage in question, and it needs to be from before May 31, 2009. The homeowner must also be up to date on mortgage payments, and the current loan-to-value ration needs to be larger than 80%.

Individuals who qualify for HARP can refinance for a mortgage with a lower interest rate, lower payment, or even a shorter mortgage period. This alleviates much of the pain associated with an underwater home. The FHFA extended the program because it knew that HARP helped both troubled homeowners and lenders. According to a recent article on HousingWire, as of January 2013 over 2.2 million borrowers have refinanced using HARP since it began in April 2009.

While this is great news for those involved with Fannie Mae or Freddie Mac mortgages, there are still many homeowners who dont qualify. Mr. Feinstein says that there are options avilable to those who are at risk for foreclosure or repossession. Chapter 13 bankruptcy will stop foreclosure proceedings and give the homeowner the opportunity to create a new payment plan and keep their home. A loan modification will change the terms of a mortgage in order to make the loan payments more affordable and avoid foreclosure. Or the homeowner can go through a short sale, in which they agree to sell the property for less than the remainder due on the mortgage, with the proceeds going to the lender.

There are various options available to people struggling with mortgage payments. Fortunately, HARP will be around through 2015 to offer more assistance to homeowners. And other options ranging from filing for bankruptcy to applying for loan modification can help at-risk homeowners. Every case in unique, so Mr. Feinstein recommends working with an attorney to find the best financial solution.

Bruce Feinstein, Esq. has worked with hundreds of individuals to help them avoid foreclosure. Mr. Feinstein and his team, located in Queens, New York, work with clients throughout Kings, Queens, and Nassau counties. Visit the Law Offices of Bruce Feinstein, Esq. at http://www.bfeinsteinesq.com or call (718) 514-9770 to reach his New York office.







News for Homeowners; Reaching U Network is Now in 20 States Offering Affordable Legal Representation for Struggling Homeowners Not Able to Make Their Mortgage Payments

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Miami, FL (PRWEB) May 11, 2011

Anyone denied a loan modification or can’t get through to your lender, help is on the way.

Reaching U Network is a 501c3 non-profit organization that is linked to Freedom Legal Plans by a long time service contract that provides low cost legal representation to homeowners facing foreclosure. Unlike most pre-paid legal services, Freedom Legal Plans specializes on providing members with immediate legal representation. Most homeowners facing foreclosure today need representation but can’t afford to hire an attorney. Reaching U Network helps struggling homeowners by offering different affordable payment options for those who qualify. In extreme cases, Reaching U Network, with the help of Freedom Legal Plans, will sometimes offer free representation with a network attorney.

Reaching U Network surveys homeowners about their legal options and also raises awareness thru television, marketing campaigns, and local workshops.

Members pay a $ 15.00 per month membership fee to access affordable legal representation provided by the Freedom Legal Network of attorneys. Members’ fee is tax deductible and is used to fund legal representation for homeowners with serious hardships such as unemployment.

Network attorneys with Freedom Legal Plans work under a set monthly fee and never an up front retainer fee. The monthly fee is far lower than what most attorneys charge for services provided. Homeowners will not sacrifice the quality of service because the network is monitored and managed by Freedom Legal Plans which makes customer service priority number one.

Reaching U Network has joined forces with Freedom Legal Plans to target the current epidemic of foreclosure by providing forensic and securitization audits to home owners looking to stay in their homes. These audits give a detail insight concerning fraud, TILA, HOPA, and securitization violations. With the assistance of the individual attorney representation these audits will help open legal communications between lenders and homeowners surpassing any loan modification process available today.

This overwhelming process is performed 100% under the umbrella of a local network attorney in the homeowners state. Each attorney has passed rigorous qualifications in order to join the network along with the knowledge on how to stop foreclosure.

5 reasons why homeowners should challenge their mortgage lender if facing foreclosure.

1. If the mortgage was opened between 1999 and 2009, the chances it contains fraud or predatory lending violations is 80%.

2. How to find out if the entity you are paying your mortgage to, has any right to collect?

3. Only 4% of loan modifications are approved.

4. Court ruling in Arizona and Massachusetts has wiped out many mortgage balances; these states are just a few of the many recently on the news.

5. Challenging a mortgage, in court with an attorney, can stop a foreclosure.

Anyone can make a donation and help. Funds will go toward helping struggling homeowners that can’t afford legal representation. Here is their site http://www.reachingunetwork.org

Here is the number to call if someone is facing foreclosure, has been denied a loan modification, or is falling behind on their mortgage payments, call 866-514-4636 or visit http://www.123savemyhome.com for help.

The worst thing to do is wait or do nothing, lenders have attorneys on their side, no one should face foreclosure alone.

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