Tag Archives: Program

Ohio HARP Mortgage Lender Sees Rising Trend of Borrowers Saving Huge Via Revamped Refinancing Program

Posted on by


Columbus, OH (PRWEB) March 25, 2013

Equity Sources, Inc., an Ohio HARP mortgage lender, reports that 2012 was a landmark year for the Obama administrations Residence Reasonably priced Refinance Program (HARP). Modifications in late 2011 created the program more accessible to each lenders and borrowers attempting to fight back against recession-induced mortgage-worth declines, resulting in skyrocketing numbers of HARP-assisted and HARP-eligible borrowers. A recent USA These days article marks the quantity of HARP borrowers in 2012 at a lot more than 1.1 million, an increase by more than twofold from the earlier year. And Ohio just occurred to be among the states that saw the greatest economic rebound in terms of refinancing achievement.

&#13

In the most recent HARP Refinance Report by the Federal Housing Finance Agency (FHFA), which covers all activity in 2012, Ohio HARP loans elevated by two,078 in December from the prior month to a total of 34,332 for the calendar year. Nationally, this put Ohio in the best ten of HARP loans per state in 2012.

&#13

Also on a nationwide scale, there have been 1,074,754 refinances for Fannie Mae and Freddie Mac loans in 2012. The majority of these, 640,460 to be precise, came for Fannie Mae loans, which is what Equity Sources deals in.

&#13

In related news for underwater borrowers in Ohio, data and analytics business CoreLogic released a mid-January study that reports a total of 633,211 properties with or close to negative equity out of a total of two,152,771 mortgages in the state. This signifies that with a lot more than 25 percent of Ohio refinance borrowers at or near unfavorable equity, there are a lot of people in the Buckeye state who could benefit from the enormous relief becoming presented by HARP.

&#13

Click Here to see if you are eligible for the HARP plan.

&#13

Homeowner awareness is the most significant obstacle, says Equity Sources President Ed Rizor. Some organizations do not use the HARP program. Homeowners get turned down for a low industry value and dont know they qualify for the HARP plan. We take the time to listen and speak to the homeowner and explain the HARP system and the positive aspects.

&#13

An unawareness of the value of HARP is a important explanation why several eligible borrowers arent cashing in on enormous savings. Take, for instance, the $ 645 per month that one loved ones is saving by functioning with Rizor and his Ohio HARP lending group. And they arent the only ones cashing in large.

&#13

This trend of using the now-far more-accessible services of HARP need to only continue to develop in 2013 as more underwater borrowers turn into conscious of a service that could save them from demanding mortgage situations. And considering the dramatic good results and improve in popularity of the program in 2012, Rizor and his staff are anticipating a high volume of underwater borrowers in need to have of Ohio HARP lending.

&#13

As for newcomers to the HARP plan, Rizor guarantees that Equity will make the approach as basic as feasible. “Our objective is to offer such a higher level of consumer service that we leave each and every client a raving fan,” Rizor says. “We make the refinance approach swift and easy.”

&#13

About HARP

&#13

The Residence Affordable Refinance Plan was modified in October 2011 following an agreement amongst the Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac, creating it simpler for mortgage lenders to aid HARP-eligible borrowers with refinancing.

&#13

The Property Affordable Refinance Plan (HARP) is designed to help responsible borrowers with streamline refinancing. This signifies that borrowers who have been up to date with their mortgage payments but have noticed a decline in their property value are given refinancing aid.

&#13

According to the Obama administration, HARP will save home owners $ 250 a month on typical in mortgage payments. The administration also predicts that HARP will assist 4-5 million underwater home owners.

&#13

These are the qualifications borrowers should fit to be eligible for HARP 2.:

&#13

1) Their very first mortgage loan is owned or guaranteed by Fannie Mae or Freddie Mac.&#13

2) The loan was sold to Fannie Mae or Freddie Mac ahead of Might 31, 2009.&#13

3) They have to be present on their mortgage payments.&#13

4) Need to owe more than your home is worth, or is there minimal equity in your home.&#13

5) All mortgage payments made on time in the final six months.&#13

simplifyMDs EHR Software program Resolution Chosen by Clyo Internal Medicine

Posted on by

Alpharetta, GA (PRWEB) May 29, 2013

simplifyMD, an ONC-ATCB certified Electronic Health Record (EHR) and Practice Management (PM) software program organization, announced these days that Clyo Internal Medicine, a practice serving nursing residence facilities in Centerville, OH, has chosen simplifyMD as its EHR provider. The addition of simplifyMDs cloud-based solution, which includes e-prescribing, e-fax and dictation capabilities, will help the practice, comprised of 17 travelling physicians, in streamlining workflow and documentation processes.

&#13

The physicians and employees of Clyo serve 17 nursing residence facilities in the Dayton region and are seldom in the same workplace at the identical time. This mobility presented a tough challenge to centralizing documentation and communication efforts amongst the physicians and administrative employees. The practice was in search of a versatile solution that would consolidate data entry and create a more effective clinical and administrative workflow enabling access to patient data anywhere and at anytime.

&#13

Right after reviewing ten different EHR solutions, we determined simplifyMDs cloud-primarily based EHR offering was best capable to supply us with a unique strategy that adapted to our complex wants, freeing up time for physicians to concentrate on health-related care and relieving staff of duplicate work, stated Tracy Keating, Practice Manager at Clyo Internal Medicine. By way of simplifyMDs notable buyer service and effortless implementation, we now have an simple to use EHR that didnt require any transformation of our current types and processes and enables us to effortlessly interface with our billing program and with labs and pharmacies.

&#13

The intuitive functionality of simplifyMDs EHR and Practice Management solutions allow organizations to speedily implement the software to enhance workflow and information security, enhance provider productivity, decrease the danger of errors, and meet government regulations, such as Meaningful Use.

&#13

We are excited to operate with Clyo Internal Medicine and supply them a solution that augments their current workflow processes to enhance the quality of patient care, stated Michael Brozino, CEO of simplifyMD. The transition from paper to electronic well being records can be a daunting job. By integrating every practices own types, charts and present workflow processes, simplifyMD can be simply customized to suit any organizations particular demands in a compliant fashion.

&#13

About simplifyMD

&#13

Atlanta-primarily based simplifyMD understands the tension and complexity physicians can encounter when acquiring and deploying traditional EHR systems. simplifyMD supplies a easy expertise to Electronic Well being Records and Practice Management for principal care and a lot of other specialties by way of EHR and PM solutions that mirror the physicians chart, uses the physicians types, and preserves the physicians workflow. simplifyMDs cloud-hosted EHR and Practice Management software program streamlines operational workflow, lowers operating charges and increases income with out disruption to the health-related practice. To discover a lot more, please go to http://www.simplifymd.com.

&#13

About Clyo Internal Medicine

&#13

Clyo Internal Medicine, based in Centerville, OH, serves the Dayton community with physician-directed healthcare focused on efficiency, top quality and service. Clyo Internal Medicine supplies a special approach to the management of care to over 17 nursing property facilities. For far more details contact 937-435-5857.

&#13
&#13
&#13
&#13
&#13

Locate Far more Administrator Press Releases

Mortgage Options Releases its New Do It Your self Loan Modification Program, Creating it Less difficult Than Ever for Home Owners to Modify Their Own Mortgage

Posted on by


Spring Hill, FL (PRWEB) September 19, 2009

House owners who have tried to modify their mortgage with a Loan Modification Company or even an Attorney could not have had much help. There have been all sorts of horror stories about loan modification companies taking income from distressed residence owners and not performing the services. Luckily there could be a better answer, a Do It Yourself Loan Modification may be the greatest answer for a lot of struggling residence owners.

&#13

Mortgage Solutions a Florida primarily based mortgagae lender has just come up with a excellent answer. Right after months of work, and evaluation the folks at Mortgage Options have come up with a system designed to aid borrowers do their own loan modifications using computer software similar to what the banks themselves are making use of.

&#13

Property owners can locate information about a Do It Your self Loan Modification Choice at Mortgage Options new site by going to http://www.myloanmodificationstation.com. The Loan Modification Station was made by Mortgage Solutions to let a borrower log into the system enter all their private data and get a full loan modification package that is full and professionally prepared, ready to send to their bank. The best portion is that they have produced the system inexpensive for virtually everybody. The pricing is set at only $ 119.00 for a total DIY situation, and $ 295.00 with complete assistance. Even though they do not negotiate on the borrowers behalf they do nonetheless offer you complete assistance with regard to negotiation techniques, responses, and procedures.

&#13

The People at Mortgage Options seem to understands that a lot of distressed property owners are currently beneath sufficient stress and when they designed the system it was developed with the thought that it had to be affordable. “The final thing Mortgage Solutions wanted to do was place an undo burden on an individual who is already in distress financially.” That is why Steve Fingerman and the team at Mortgage Solutions decided to make the platform as inexpensive as attainable for the average homeowner.

&#13

The Loan Modification Station will also give a home owner a full proposal, monetary statements, hardship letters, a hardship affidavit and even a comprehensive threat analysis displaying the lender their possible loss vs the benefit of modifying the loan. According to Steve Fingerman at Mortgage Solutions the program will give a borrower essentially every single item required in order to get a effective loan modification approved by their bank.

&#13

All the details including guidelines about carrying out your personal Mortgage Modification can be found on their web internet site at http://www.myloanmodificationstation.com. The method is made to be easy to use, and consumer friendly. House owners must also know they do not have to be presently in default to be eligible to modify your mortgage. House owners under stress do nonetheless have to be in imminent danger of default. This means that if a property owner has discovered themselves in scenario where their revenue no longer covers their expenses they nevertheless may possibly qualify beneath President Obama’s Mortgage Modification System. The exact same applies for property owners who have exhausted most of their savings to just cover expenditures.

&#13

Remember that the buyers can do their personal Loan Modification without possessing to spend an Lawyer or Loan Modification Company but a comprehensive and expert package can aid make confident you get the greatest terms achievable from your lender.

&#13

The Team at Mortgage Options is functioning on a version of the software program that will apply the same principals to quick sales, and allow somebody to enter the same data and get a total quick sale package with danger evaluation, proposal, hardship letters and any other related documents that may be required. Stay tuned for more details. When that launches, it will have a little monthly access charge which will permit actual estate agents to use the program as often as they need it for a tiny monthly access fee.

&#13

Contacts :

&#13

Mortgage Solutions&#13

Steve Fingerman&#13

352-688-7949 Workplace&#13

727-946-0904 Cell&#13

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

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

http://www.stevefingerman.com

&#13

###

&#13
&#13
&#13
&#13
&#13

Best Loan Modification Program is Revealed to Ultimately Fight Foreclosures

Posted on by


(Vocus/PRWEB) February 01, 2011

The loan modification assistance gurus are place on notice: difficult HAMPs and sneaky foreclosure techniques will soon be obsolete. Anna Cuevas, the loan mod guru reveals dirty secrets banks are hiding from their customers.

&#13

Her innovation, the “prime loan modification remedy” has solved one of the largest challenges men and women face fighting foreclosures. With her resolution men and women understand how to stay in their homes and fight foreclosure at the identical time.

&#13

Her clientele have full access to her pioneer item, “best loan modification remedy”. Her special approach is teaching consumers how to cease foreclosures dead in their tracks and offers exceptional results with no pricey overtures. Shoppers discover in detail the precise mechanisms to fight the foreclosure procedure step by step.

&#13

As Anna Cuevas added, “Our resolution has taken the loan modification market by surprise. Where most businesses promise to cease foreclosures our “leading loan modification resolution” in fact teaches a individual how to fight foreclosures.”&#13

This prime loan modification system is packed with higher efficiency functions such as&#13

&#13
Straightforward step by step loan modification software&#13

Innovative videos guiding consumers by way of the procedure to fight foreclosure&#13

A Lender prepared checklist packed with the essentials a borrower have to make use of&#13

Loan modification and personalized hardship letters developed specifically with the mortgage client in mind&#13

A HAMP program calculator that enables the consumer to decide how their economic status fits within the recommendations.

The leading loan modification answer assists the shrewd homeowner put a quit to the endless game of fighting foreclosures.

&#13

Cuevas offers a remedy that will support the savvy homeowner themselves quit even the most ruthless lender from foreclosing on their residence. In reality, Cuevas’s remedy will even support a customer who has already had their home foreclosed on. Her solution is about empowering house owner to be advocate of their own rights and how to do properly. Her motto is all about information and not ignorance.

&#13

According to a current story by The Huffington Post “Cuevas with her client with each other was in a position to overturn a foreclosure sale that must have never ever occurred “. Anna Cuevas mission is to equip her consumers with tools to fight foreclosure

&#13

Cuevas’s solution a “top loan modification solution” gives the borrower back the peace of thoughts required, a complete nights rest and the safety they deserve. This very first class remedy is designer high quality at mass-market place rates. Its ingenious contents aid fight foreclosures and teaches property owners the exact procedure to cease them in their tracks. Anna Cuevas empowers folks with education to save their residences.

&#13

She mentioned in her recent article about Hope for Homeowners: HAMP Trials and HAMP Tribulations, “When you are empowered with the correct data you are able to push back at all levels with the self-confidence of being aware of your stuff, in a lot of situations, a lot more than anybody else does..”

&#13

To get on Cuevas VIP List and get the latest loan modification news go to Anna Cuevas web site. &#13

Instant access to her cost-free ebook “Dirty Little Secrets You Should Know” can be accessed on her internet site.

&#13

For Media: Anna Cuevas is obtainable for speaking, events, and professional quotes.&#13

Anna Cuevas provided an experienced insight and expertise to not only save more than 300 households from the devastation of losing their house to foreclosure, but also to return approximately properties back to people. Cuevas empowers homeowners to become the greatest advocate and believes in “Do it your self” loan modification system. Anna Cuevas is Customer Advocate Author, Mom 5 , Ovarian Cancer Survivor and well recognized Huffington Post Blogger.

&#13

Anna Cuevas can be reached on LinkedIn at http://www.linkedin.com/in/annatheclosercuevas

&#13

Publicist Tatyana Gann, 615.354.7625

&#13

###

&#13
&#13
&#13

Much more Loan Modification Yourself Press Releases

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

Posted on by


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.







Advanced Realty Team Allows Foreclosure Renters to Transfer All Credits to Famous Rent to Own on Steroids Program

Posted on by

Dunedin, FL (PRWEB) April 26, 2013

Advanced Realty Team, Inc. yesterday announced it will begin transferring all earned credits for persons in the Famous Foreclosure Rentals program when they move to the Famous Rent to Own on Steroids Program.

Advanced developed the Rent to Own on Steroids Program where all rent paid in the entire first year becomes the down payment and the tenant-buyer can earn a mortgage based on what they do for the next 12 consecutive months, not credit score.

Famous Foreclosure Rentals is a much newer program, in which the rental home is in or about to be in foreclosure, while the owner seeks a mortgage modification, and is offered at below market rent to compensate the renter for inconvenience and uncertainty.

Many participants in the foreclosure program are waiting for the right home to be available in the rent to own program. Advanced has already announced foreclosure renters may move up at no cost. Now they will also be able to take their monthly rent credits with them.

We believe when the real estate market returns to normal the foreclosure rental program will probably become less important as foreclosure represent a smaller portion of the market and conditions change, said George Beardsley, President-Broker of Advanced.

In the meantime we are working on how many ways we can make the program even more attractive, he said. There is inconvenience and risk in the program, in exchange for the below market price, he said. And we want to find all the ways we can to compensate for the negatives.

Advanced has been renting homes in foreclosure for some time and more recently has begun to buy houses in foreclosure and with loan balances higher than current values of the home.

I am not an attorney, Beardsley said, but we have been working closely with a board certified real estate attorney during the entire program and believe the program will continue to be viable as long as there are no new factors introduced.

In Florida, a home owner continues to own his home and can do with it as he wishes until a judge says the house belongs to another person, he said. The owner must also disclose any factor not readily apparent that would affect value when selling a home, Beardsley said. We do the same for rentals and suggest prospective renters get legal advice if they wish.

As long as this is the law in Florida, the homeowner can sell or rent his house in foreclosure, so long as he discloses the risk to prospective renters, Beardsley said. Providing the discount and as many benefits as possible is only right, he said.

Advanced is a small Dunedin, FL-based boutique real estate brokerage firm specializing in buying houses fast and in the current market Advanced even has program for buying homes that are over financed, under water and even in some cases they will buy houses in foreclosure and over financed.

These homes usually become part of the Famous Foreclosure Rental Program where the resident is offered below market rent and is told the home is in or may soon be in foreclosure and Advanced or the client it represents will use the services of a board-certified real estate attorney to defend a foreclosure action should there be one.

Collapse in the housing market switched their operations to buying house for the purpose of renting, including the Famous Rent to Own on Steroids and now the Foreclosure Rentals.

We buy houses, estate homes, for sale by owners and rentals fast and turn them into affordable housing, Beardsley said. We buy any price range and almost any condition, he said.

If you live in Albany, Fond du Lac, Des Moines, Bangor –or Chicago, as I used to, and you need to sell a house in Florida, Beardsley said, we are the people who buy houses in Florida.







Children’s Obesity Fund Supports PHIT America Alliance Ambassador Program

Posted on by

Los Angeles, CA (PRWEB) May 25, 2013

We at the Childrens Obesity Fund are very happy about our new partnership with PHIT America, says Julian Omidi, co-founder of the Children’s Obesity Fund with his brother Dr. Michael Omidi. Children’s Obesity Fund will support the Ambassador Campaign through our social media networks to help raise awareness with parents about the need for healthy lifestyle choices.

Ever since our first News Flash article, we have been approached by grassroots influencers, coaches, professional athletes and many P.E. teachers asking us how they can help support PHIT America, said Jim Baugh, founder of PHIT America. So, we decided to add a new Alliance category, which we call Ambassadors, to help promote our cause along with the 130 PHIT America corporate sponsors.

Who is eligible to become a PHIT America Ambassador? Teaching professionals, fitness instructors, coaches, sales reps, athletic trainers, P.E. teachers, school teachers, individual sports & fitness retailers, parks & recreation department administrators or any individual who wants to help spread the word about PHIT America and the regular news articles.

Having a number of local Ambassadors throughout the country will really help expand the reach of PHIT America at the grassroots level, said Mike May, marketing consultant with PHIT America. We need individuals from all walks of life within the sports, health, and fitness industry to become Ambassadors of PHIT America.

Throughout my whole career in the sports industry, I realized how important local influencers are to this industry. And, with PHIT America, we are doing the same thing. We want people who believe in our mission and goals to be part of our team and help deliver our message to their contacts, said Baugh, former president of Wilson Sporting Goods, a member of the board of directors of the Sports & Fitness Industry Association, and a member of the Sporting Goods Industrys Hall of Fame.

What does a PHIT America Ambassador have to do? It is easy. Ambassadors will receive PHIT America News Flashes and are asked to forward them to their contacts via email, Facebook, Twitter or any other efficient way. If an Ambassador has a Twitter or Facebook account, they are asked to follow or like PHIT America.

Are there any benefits to be an Ambassador of PHIT America? Yes. All Ambassadors are listed on http://www.PHITAmerica.org with their professional affiliation and a link to a website of their choice. Most importantly, Ambassadors will be part of A Movement for a Fit & Healthy America.

“Parents can often be too busy to connect with sports and fitness professionals to get their kids involved in athletics,” says Dr. Michael Omidi. “The Children’s Obesity Fund will certainly bridge that gap for parents by identifying local sports professionals around the country.”

We must work together to help solve the obesity crisis. And, more and more Americans are becoming totally sedentary, commented Baugh. Our industry has a great gift to give to Americans, namely sports and fitness as a way of life. America really needs our help. PHIT Americas outreach and programs will help get Americans more active, fit, and healthy.

Interested individuals can become an Ambassador by emailing Ambassador@PHITAmerica.org. Please send PHIT America your name, email address, professional affiliation(s) and a URL you would like to have linked from your listing on PHITAmerica.org. Once acknowledged, you will start to receive PHIT America News Flashes, articles and other materials to support the cause and campaign.

Co-founded by Julian Omidi and Michael Omidi, M.D., the Childrens Obesity Fund (http://www.childrensobesityfund.org) hopes to help reverse the trend of rising obesity rates in America. The goal of the non-profit charity is to help people fully understand the obesity issue and its dire impacts on individuals and society as a whole — and to use that knowledge to encourage children to grow up strong and healthy. Childrens Obesity Fund partners with other organizations to educate and support parents, educators and others so that we can all work together to raise healthy, active, social, and happy children. While the organization does not accept donations, it does encourage direct contributions of money and talents to the associations featured on our website. Childrens Obesity Fund is on Facebook as well as Google+, Twitter, and Pinterest.

PHIT America — an educational, advocacy and social media marketing campaign — is designed to reach millions of Americans and create a Movement for a Fit and Healthy America. PHIT America will combat the obesity and sedentary activity crisis — which is having an adverse effect on health care costs in the U.S. — by promoting new legislation and grassroots programs that will help get Americans more active, playing more sports, getting fit and becoming healthier.

PHIT America http://www.PHITAmerica.org — is a not-for-profit cause and campaign launched in January of 2013. PHIT America 8505 Fenton Street, Suite 211, Silver Spring, MD 20910 p: 301-495-6321 f: 301-495-6322







Program HR 3648 Arizona New Affiliate, Kodi Riddle, Battles Firsthand Foreclosure With Short Sale

Posted on by


Phoenix, AZ (PRWEB) November 29, 2012

Program HR 3648 Certified Representative, Kodi Riddle, Partner & Associate Broker of A-Aa-1 Realty, leverages firsthand short sale experience to help Cave Creek, Carefree, New River, and North Scottsdale homeowners avoid foreclosure for free.

I ended up short selling my own home I was going to lose my own house and that was a hard fact to face; quite honestly and embarrassing no less, said Riddle. Like many homeowners facing foreclosure, Riddle, tried to apply for a loan modification which didnt work so she opted to short sale her home. You can not do this on your own. Its too personal and it is very hard to keep yourself separated, added Riddle.

According to the Treasury Departments latest report from the Home Affordable Modification Program (HAMP), showed that more than 1 million temporary and permanent loan modifications have failed since the administration began the HAMP program in 2009 through the end of June.

It was the worst time in my life by far, but now I can breathe fresh air and its a very good feeling and that weight is off my shoulders for sure, added Riddle.

Kodis triumph over her personal battle with foreclosure enabled her to experience an unparalleled education in short sales giving her a unique advantage. Having personally gone through the short sale process, Kodi can truly relate with the hardships and the emotional mindset of a distressed homeowner, said Jeremy Bowman, President & CEO of RealPrompt, home of Program HR 3648.

Program HR 3648 is a Free, Privately Sponsored, Non-Governmental, Nationwide Initiative that provides distressed homeowners with the assistance, guidance, and necessary help to avoid public foreclosure. Homeowners who are facing financial hardships and are upside down on their mortgages can receive free assistance from a Certified Program HR 3648 Representative like Riddle.

Navigating through the foreclosure process is one of the most challenging obstacles which no homeowner should face alone. We recruit top Agents and Brokers, like Kodi Riddle, from across the country to apply their personal and professional expertise to help homeowners receive legitimate help for free, said Woods Davis, Co-Founder & VP of RealPrompt.

This program has made the difference to give me an avenue to help [distressed homeowners] with my story, concluded Riddle.

About Program HR 3648

Program HR 3648 is a Free Privately Sponsored Non-Governmental Nationwide Initiative to reach out to homeowners who are struggling with their mortgage payments to provide them with the information, guidance, and actual work that is required to avoid foreclosure. Program HR 3648 is a division of RealPrompt, a short sale solutions provider based out of Chandler, AZ. Program HR 3648 has successfully helped over 4,000 homeowners to find alternative solutions to foreclosure. For more information, visit ProgramHR3648.org or call 1.800.915.1988.