Can Your Mortgage Foreclosure Case Really Be Dismissed?

It is true. A mortgage foreclosure case can be dismissed. Florida foreclosure fighting attorneys at the Florida law firms have been successful in dismissing residential mortgage foreclosure cases pending in the State of Florida. Utilizing knowledge, experience and persistence, defense attorneys are able to have mortgage foreclosure cases dismissed.

The internet provides access to a vast and variety of information, documentation and viewpoints on every possible issue imaginable. Harnassing that ability with reality allows even an unrepresented borrower the opportunity for success in defending a mortgage foreclosure case.

Dismissals of foreclosure proceedings may be the result of several different methods of defending the foreclosure actions and prosecuting claims against the bank for truth in lending violations and unfair and deceptive trade practices among other grounds. Of course, the fortunate clients are always ecstatic to learn of the success of these “Florida Foreclosure Fighters” in their respective cases. After receiving a copy of the dismissal, homeowners are certainly thrilled at the news.

Utilizing the right of rescission pursuant to the federal Truth in Lending Act, among other legal arguments, attorneys and legal advocates may quietly forced the plaintiff to dismiss the case against their clients. In this instance, if a borrower is unable to obtain or afford legal representation, the pro se defendant is able to access information relating to the applicable truth in lending laws to his or her particular situation.

Form rescission letters are typically and widely available on the internet or in a local law school library. Ordinarily, this forms contain guidelines for the applicability to a particular situation. Of the dismissed cases, several matters included foreclosures initiated by the former Indymac Federal Savings Bank now owned and operated by One West Bank. Part of the foreclosure defense team discovered loan errors and miscalculations during the law firm’s loan audit and examination. If you have refinanced your primary residence within the last three years to an adjustable rate mortgage, you should consider a careful and professional examination of your loan documents. Again, software programs are available for download on the internet to review and examine loan documents.

However, this process is slightly more complex if the pro se litigant is unfamiliar with mortgage terminology and identifying loan documents necessary for the process. However, there are services that are fairly inexpensive to obtain loan examination results. In other cases, the persistent and patient defense of the mortgage foreclosure case may lead to the case being dismissed at a status conference and/or show cause hearing before the presiding judge if the bank fails to timely move the case forward. In cases, such as the aforementioned matter, where the defendant is able to defend the case for some extended period of time, the judge often becomes frustrated with the case not advancing on the court calendar. In such instance, the court may dismiss the case for the bank’s failure to timely prosecute the case.

Common problems and issues existing in these cases included loans that were transferred and assigned through …

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Four Strategies to Buy Rentals With No Down Payment

This tend to be a pretty controversial subject, and for good reason. When I was getting started in the business, I was young and broke and had no credit to speak of. I was not qualified to borrow money, yet I figured out how to buy properties, and I bought a lot of them. It was not long before I became a full time real estate investor, and on paper, I was a millionaire long before my 30th birthday. I accomplished this with a lot of hard work, education and tolerance to take the risk.

With all this said, just because you do not need money to buy houses, it does not mean you should have no money. I am a big, big believer in this. You see, although I was a millionaire at a young age, I basically lost it all when the market shifted. I was too aggressive with my growth, and did not establish an appropriate amount of reserves. After starting over, I structured things differently and am in a good position to not only survive a down turn, but to thrive in it. In this article, I will briefly walk through 4 ways to buy rentals with nothing out of pocket, but want you to understand that this does not mean you should own rentals with no reserves.

Owner Finance: This could mean many things, but for the purposes of this article I am going to assume that the seller of the home is extremely motivated and is willing to basically sell the house just to get away from the mortgage payments. This is commonly referred to as a subject-to transaction because you, as the buyer, will take title subject-to any other liens that are in place. What this means is you get ownership of the house, but the seller is still on the hook for the loan. You as the buyer will agree to either pay the loan or make payments on the loan on their behalf. If you do not, the lender can foreclose and wipe you off of title.

The seller is taking a tremendous amount of risk with this type of transaction, so it is difficult to negotiate and they need to be extremely motivated. It works well for you because you do not need down payments or to qualify for a loan. It works for them because they have someone else making the payments on their loan, which relieves them of the payment pressure, and potentially can improve their credit. As you become more experienced, this is a strategy you will want to look into. This allows you to purchase an unlimited number of cash flow properties without ever needing to qualify or sign for a loan.

Lease Options: This is the strategy that really worked for me when I was just getting started. I like it a lot because it is easy to explain to the seller and it is not difficult to get them comfortable with it. They still …

What is a Reversible Mortgage?

A reversible mortgage is a loan taken out using the equity in your residence that you are not required to pay back for as long as you reside in the house. A reverse mortgage is distinctive from contrasting kinds of loans considering that the repayment, comprising accumulated interest, is not needed up to the time the householder passes away or elects to sell the residence. It is primarily available to householders aged 62 and above, to release the value in your home into a tax free proceeds without selling, yielding the title, or paying out monthly mortgage premiums. Because there are no monthly premiums, there is no revenue or credit suitability needed. This can be an excellent source of additional income, as long as you are conscious of its disadvantages and possible risks, and all the corresponding charges. Through a reverse mortgage you will keep the title to your residence and will continue to be accountable for settling the property taxes, insurance protection, and for the overall maintenance of the estate.

Lenders of Reversible mortgages place their efforts on satisfying the elderly demographic, offering reverse mortgages to just those individuals whom are 62 years of age and older. This can be a better choice as long as the attracted individual possesses and lives in their household. Lenders will base the total they will loan to you on the pretense that your residence will go up in worth every year, therefore if your residence increases in value quicker than they are expecting you will not in reality go through your equity as you would imagine. These flexible mortgages also guarantee that a householder will remain in his or her house for as long as they exist and can therefore be an outstanding income answer for retirees with highly precise requirements.

Home Equity Conversion Mortgages make up around 85% of all reverse mortgages purchased within the United States. There are of course fees associated with these mortgages which can be significant however in some cases this upfront expense is put into perspective by the lower interest rate over the course of the agreement, although some retirees select different choices to draw on their residence equity, especially if they do not plan to stay at within the residence for more than 5 years. Additional choices which can liberate home equity but prevent the high upfront expenses of a reverse mortgage include an sale leaseback and intrafamily loans other common options are to sell the property and relocate to a less expensive residence or locality. Resting on on the amount acquired, the equity in your residence may decrease to the point where you will not be capable of purchase a retirement home should that be your long term idea.

Interest rates on reversible mortgages are decided on a case by case premise, considering that the loans are procured by the residence itself, and supported by Housing and Urban Development, the interest rate should invariably be lesser than any additional available interest rate in the …

Wholesale House Flipping 65% Rule (The Big Myth)

This is my very first article. I am just now catching up to the internet world. I played professional golf most of my life, but have been an active real estate investor and wholesaler for around 22 years.

I have contracted over 200 homes in that period of time. Most of those homes I have flipped to other investors / rehabbers and made a very quick and fairly easy profit. I have also kept many homes to rehab and retail out and many of them I kept for rental property, to build long term wealth.

I have used several different exit strategies when I buy homes. Owner financing , lease options and rental property. This is the beauty of being a professional real estate wholesaler. It gives me many options on property that I have bought at big discounts. If I keep the property for rental, then I have a great piece of real estate that has huge equity and certainly is not as effected by downturns in the real estate market.

I rarely deal with foreclosure property. In most cases there is very little equity to work with. I don’t look for a paltry amount of cash flow from a home. Rental management is too much work. Too many people and legal problems to deal with. Now, if I have a house with 25 to 50 percent equity, I certainly don’t mind the hassle as much and I am not effected by the market. Besides, I can flip a contract on a house and make a profit greater than possibly 20 rental houses will make me. I might flip five houses in one month. That is a much better scenario than leaking faucets, broken hot water heaters, leaking roofs, etc.

I have spent over one and a half years working on my educational information that is available on the web.

I live in Dallas, Texas and do strong advertising for motivated sellers in our metroplex are of Dallas/Ft.Worth. I get calls everyday from many people that have nothing to do with selling their home. The calls are from people that have taken expensive Wholesaling courses from big gurus in the business. People with some knowledge, but no mentoring. People who have spent a fortune to learn my business. Most all of these people are still in the fog. They have no clue which way to go. They seem to know the basic structure of wholesaling, but just can’t put it all together. No experience or training in applying exit strategies They have been given plagiarized facts about the wholesaling business and no support. No mentoring. If they do get offered some type of mentoring, it will cost them a bunch more money. It seems like they get piecemealed to death.

All seem to have this mindset that a wholesale price for real estate is 65 percent of the retail value (After repair value) , minus repairs and minus their determined assignment fee. Then they are supposed to find an …

Some Advantages and Disadvantages of Buying an Older Home

A lot of people think that buying a new home has a lot of great advantages over buying an older home. These days, as the difference in cost between new and old homes become narrower, the question becomes more pertinent. What kind of advantages and disadvantages do you look at when thinking about buying an older home?

Let’s say for example that you’re looking at Mooresville homes for sale and are trying to decide whether or not to buy this gorgeous albeit old Mooresville real estate property. To help you decide, here are a few positive points with buying an older house:

1. Old style constructions – One of the beautiful things about old homes is the amount of meticulous labor that went into it. You’ll find a lot of old homes that still stand and are still beautiful precisely because of the craftsmanship that went into it. Old-style appeal, when further enhanced by regular maintenance, can really give a house a certain charm that’s noticeable. Dated architecture in popular styles of the period also has a lot more character. There’s really something special about owning a classically beautiful house.

2. Living near long-term neighbors – Old houses oftentimes come with long-term neighbors who grew up in the community. It makes for a good, family-oriented and oftentimes safer environment.

3. Some measure of security in terms of changes in the neighborhood – If you buy a house in an old neighborhood, zoning changes aren’t likely to change much over the years. This means that if you’re living in a largely residential and old neighborhood, it’s unlikely that too many commercial establishments will get included in the mix. Mostly because they don’t fare too well in old neighborhoods.

4. Spacious yards – Most old-style homes have houses that are built on large yards. This is because land was cheaper years ago. Having this much room can mean a great deal for you. It could mean additional space for the kids and the pets to romp about, or an additional garage or house extension, a gazebo or maybe even an additional building for a separate office or library.

If there are positive points, there are also some drawbacks to buying an old house.

1. Ongoing maintenance. – As with any kind of house, old houses require maintenance. Since they’re old and a lot of the systems and materials used may not be readily available anymore, maintenance can be more expensive than usual.

2. Repairing systems may be more expensive. – If there’s something that needs to be replaced in the wirings, plumbings, and the likes, it may be more expensive because the system is different from newer ones.

3. Smaller closets. – Old-style houses tend to have smaller closet spaces to accommodate bigger rooms and garages.

4. Often more expensive than new homes – Older homes are often situated near schools, mass transportations, and other important establishments. As such, they can be more expensive than new homes.…

How Individual Differences Influence Phentermine 37.5 milligram

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Permanent Foundations For Mobile Homes – HUD 7584 PFGMH Manufactured Home Inspections Guide

When you buy (or sell) a manufactured / mobile home, many times the loan involved in real estate transaction will either be an FHA or VA loan.  However, FHA and VA will only fund the loan if you can prove that the foundation under the home is a permanent foundation.

But what is a “permanent foundation” and where do I find it’s proper definition?  Well, in HUD Publication 7584, is where you will find its definition.  The definition is quite extensive and geared, mainly, towards professional engineers.  

The HUD 7584 publication is also called the HUD Permanent Foundation Guide for Manufactured Homes, or PFGMH.  It is published by the United States department of Housing and Urban Development (HUD).  This 400 page manual is intended for new construction of manufactured home permanent foundations. If you have an existing foundation and are in need of a permanent foundation certification, then the existing permanent foundation shall meet the intent of the PFGMH.

A manufactured mobile home foundation that does not meet the intent of the PFGMH is considered non-compliant, and one that does meet the intent of the PFGMH is considered compliant.  Only a professional engineer licensed in the state of where the home is located can make this determination.

In its most simplistic definition, a permanent foundation will generally consist of a skirting to keep out vermin and water, footings and piers to support the home from gravity loads (such as snow and live loads), anchorage to resist lateral loads such as high winds or an earthquake, and other considerations.

The reason why a professional engineer is required to determine whether it is permanent or not, is because of the safety issues involved with a structure that houses people.  Professional engineers have the training and educational background to determine if the foundation is safe and habitable, and also “permanent” as defined by HUD.…

Buying Parking Lots and Parking Garages: Finding the Most Profitable Locations

There are plenty of successful investors out there, but many work so hard that it’s hardly worth the money-because they’re never freed up to enjoy the fruits of their labor! It’s far more worth it to find an investment strategy that would allow you to make considerably more money and create more time to be able to reinvest, spend that money, travel, enjoy time with family, or have fun with that “Bucket List”.

Owning a parking lot or parking garage is a great investment because they can offer you two things: free time and exponential amounts of income. Finding these gems is the hard part because most existing “cash cow” lots are sold before they are even listed. And most are purchased by other parking lot owners-they know what they have, and they want more. If you can find these potential parking lots and garages before anyone else, you can find these extremely rewarding profits too.

Think ahead

Most parking lot locations were never designed to be just that. Parking lots are built out of necessity, plain and simple. Someone would never build a parking lot and then proceed to build something that draws people who need to park; never! It sounds simple, but you need to be ahead of the building curve and search for land before it holds great value. You can do this by recalling where you would need to park a car. Think for a second: Where do people really need to park? Let’s brainstorm: shopping malls, schools, sporting events, entertainment districts, government centers…the list goes on.

Now let’s look at these ideas: malls will provide parking for customers because they want shoppers (so scratch that); schools do the same, but there always seems to be no parking at some schools (possibility here). Every time I see a concert, I end up paying to park; keeper. Last time I got a traffic ticket, it took me 30 minutes to find a parking place at the courthouse to fight that traffic ticket. Ding, ding, ding-got a good one here. Where have you needed to park? Where have you paid to park? I used the same thought process and search techniques you just practiced to purchase a one acre plot of seemingly worthless land across from a new 380 million dollar courthouse that was yet to be built. The property owner had the land for 30+ years and did nothing with it, including not reading any local newspaper that clearly highlighted the new courthouse: funding was approved, a date for the ground breaking ceremony had been set, and the severe lack of parking was already projected in the overly-crowded area!

Harness the power of Google

Seems so simple, right? After all, who has not Googled something? Google, the most popular search engine in the world, is a robust mechanism for quickly finding what you need on the web. Unfortunately, a standard Google search of “parking lot for sale” will currently return around 14.6 million results that are all …