Subscribe: Richard Lowe - EzineArticles Expert
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Richard Lowe - EzineArticles Expert Author

Published: Tue, 20 Feb 2018 12:21:48 -0600


Mortgage Loan Modification Tips to Get You Started

Fri, 18 Sep 2009 19:49:15 -0500

Contrary to popular belief, loan modification approval is easier than you think as long as you follow a few simple steps. If you follow these 6 simple steps you will be well on your way to that not so elusive home loan modification.

Debt Consolidation - A Way to Resolve Debts

Mon, 14 Sep 2009 20:44:03 -0500

Many borrowers find themselves way deep in debt, failing to manage their debts properly. As debts pile up in interest, timely repayment of installments becomes more and more difficult. The steep interest rates further add problems to the debtor. In failing to pay an installment, interests increase even more, causing the debtor bad credit problems.

Why Bad Credit Scores Are Bad News

Sat, 12 Sep 2009 16:54:19 -0500

People with bad credit scores are bad news. Just ask any bank. They don't trust them and if they do get a loan it comes attached with a high interest rate. Bad credit scores don't come very handy either especially when you're negotiating payments on your mortgage loan.

Treasury Rates and Lower Mortgage Rates - Time to Refinance?

Thu, 10 Sep 2009 08:29:01 -0500

Towards the end of May, everybody witnessed the rise of mortgage interest rates following the increase in treasury rates. From 4.8%, the rates dramatically jumped to 5.5% all in a span of three weeks, a thing that has never happened before.

Taking Advantage of Chase Financial Services

Mon, 31 Aug 2009 11:41:46 -0500

If you are a homeowner facing not just mountains of debt but also the possibility of losing your home, you can have a couple of options in order to save your house. One is to refinance and the other is to get a loan modification and you can do either one using Chase financial services.

Loan Modification Business Changes

Mon, 31 Aug 2009 11:07:55 -0500

It's not surprising to hear about mortgage crisis and loan modification business problems. These are not surprising since regular occurrences of these do happen even on a daily basis. More and more businesses seem to face financial problems and some at escalated levels.

Credit Debt Consolidation Loan - When You Have Shopped Too Much

Mon, 31 Aug 2009 11:07:42 -0500

If you are someone who literally eats, drinks, and thrives in shopping malls, but haven't realized that you have actually shopped beyond your credit limit, then you must be in some kind of financial trouble by now. Sure, you are paying the required minimum amount, but if you think that's enough to give you good credit standing, then you cannot be more wrong.

Viability of Debt Consolidation Loans

Mon, 17 Aug 2009 20:46:47 -0500

In this resource article, you will be informed about some of the basic things you need to consider when deciding if a debt consolidation loan is the right solution for your financial problems. With debt consolidation loans, lenders in this business offer to settle all your current outstanding debts for you.

Loan Modification - Answers to Frequently Asked Questions

Tue, 11 Aug 2009 11:01:18 -0500

One of the solutions offered to homeowners in danger of losing their homes is loan modification. Loan modification is a process in which the terms of the mortgage contract are modified or changed in a way that makes it easier and more affordable for the borrower to make payments. Modifying the contract terms and agreement may be done by lowering the interest rate, extending the term of the loan to adding the missed payments to the principal balance. Loan modification may also mean lowering the principal balance by canceling out a portion of the debt.

Debt Consolidation Loans - The Ultimate Solution For Bad Credit

Tue, 11 Aug 2009 10:59:26 -0500

Are you someone with bad financial standing? Do you have a record of not paying your dues on time or defaulting on your payments? Unless you take action, you will definitely have a hard time convincing potential lenders. However, here's something to smile about, there are debt consolidation loans that you can avail yourself of in order to save your financial standing. Indeed, debt consolidation loans are the ultimate solution to your financial woes.

Effective Loan Modification Letter

Tue, 11 Aug 2009 10:04:41 -0500

One of the biggest fears of any homemaker is meeting foreclosure face to face. If you cannot refinance, your next best option in order to avoid foreclosure is a loan modification. Applying for a loan modification may just be your ticket to keeping your home.

Debt Consolidation - Relieving You From the Burden of Debt

Sat, 08 Aug 2009 20:38:35 -0500

From observing the years that have recently past, we can see a great change in the way people live nowadays, especially when it comes to the spending habits of American's. People used to think that bigger was always better. This thinking could be seen in everything then, from the cars people drove to ways people spent their money.

Your Credit Score - How Important is It?

Fri, 07 Aug 2009 22:04:10 -0500

Nobody can really tell what the future holds, but whatever your life is going to be in the next several years or so, one thing seems to be certain - your credit history will be a significant part of it. Indeed, your credit history is like the financial version of your name in the sense that you will not be able to go places without it. You cannot apply for any kind of loan without your lender knowing about your credit history nor can you even think about the future without first determining your credit score.

Mortgage Modification - Why a Desirable Option

Thu, 06 Aug 2009 16:17:11 -0500

Loan modification is the hot alternative that is really attracting debtors in the real estate market. A mortgage loan modification is a savior of a scheme when you as a debtor are falling short of your monthly repayments or are likely to do so in the near future.

Home Mortgage Loan Modification - Flagship Project of the Obama Administration

Wed, 05 Aug 2009 22:53:20 -0500

Refinancing and home mortgage loan modifications are formerly as festive and phenomenal as changing your shirt on a very hot day; nothing hard, steamy, or exciting. You could require government or professional assistance to revive them with residential costs plummeting.

Debt Consolidation Companies - Telling the Rotten Eggs From the Good Ones

Wed, 05 Aug 2009 21:27:51 -0500

There are many debt consolidation companies that you can seek consultation with. However, it is important to understand that these companies are not exactly alike. In fact, many of them turn out to be scammers, so really, you need to take time to investigate these companies first before deciding to engage the services of one.

Secured Loan and Home Modification - A Simple Explanation

Mon, 03 Aug 2009 10:29:36 -0500

Debtors and lenders are subject to continuous fluctuations in the market forces. To flatten out these ups and downs, the market offers handy tools such as secured loans, the popular one being mortgage loans. Here is a basic guide to understanding this variant of a loan in a simplified manner and how to tackle any anomalies by means of mortgage modifications.

Refinancing a Home Loan - The Basics

Mon, 03 Aug 2009 10:29:23 -0500

When taking a loan, there is always a very strong probability that in the future you might come face to face with an unfortunate hardship which will cause an unnecessary clog in your repayment process. This has become a particular trend in the present economic slowdown scenario. The same loan that seemed as an answer to all your needs tends to become impossible to afford. Loan refinancing is a course of action that can be opted to make the monthly payments of the loan more manageable.

Federal Loan Modification - Obama's Foreclosure Plan

Mon, 03 Aug 2009 10:29:12 -0500

The real estate sector of the market was thriving until 2006. Then came the huge tide of the subprime crisis that engulfed the whole of the United States by 2007 and is still not showing any signs of receding. The Bush administration had formulated some faulty plans that could not bring much relief to the debtors facing foreclosures. The latest in the long list of federal loan modification programs is Obama's foreclosure plan. Here are a few basic features of this promising venture.

Home Refinance Stimulus Package For Refinancing Or Loan Modification

Wed, 29 Jul 2009 09:55:07 -0500

The government under the leadership of President Obama has brought out a home refinance stimulus package and loan modification programs specifically to help all those with mortgage problems save their homes. The home refinance stimulus package and mortgage modification would be able to cover 9 million mortgages, and would require around $75 billion.

Home Loan Modification - The Way to Save Your Home

Wed, 29 Jul 2009 09:52:39 -0500

Millions of Americans are having a difficult time coping with their mortgage payments, more so now with the economic recession. If you are like them then you have an equal chance of facing foreclosure sometime soon. While it does sound alarming, actually, you don't have to meet foreclosure in the eye, and you certainly don't have to wait for foreclosure to happen before you decide to take any action.

Loan Modification Companies - A Profitable Investment

Tue, 28 Jul 2009 13:20:18 -0500

When looking for a bank loan modification or a mortgage modification, a loan modification company can be a true companion who can make the process easier and quicker. There are many companies in the field of loan modifications that offer to act as chaperons for you throughout the process. This is not a spring chicken job and requires loan modification specialists to strike a perfect deal with the lender.

Loan Modification Kits to Save Your House

Tue, 28 Jul 2009 13:05:58 -0500

It cannot be denied that houses are being foreclosed one after the other at an alarming rate. Perhaps, the recession in the US has a lot to do with this, considering that there is not enough funds to support the local citizens. Given such a grim situation, it would seem that banks and other financial institutions will stop at nothing at all if the mortgagor is not able to meet his mortgage payments.

Three Surefire Ways to Get a Loan Modification

Fri, 24 Jul 2009 09:18:29 -0500

For some reason you are unable to pay your mortgage; your debt is piling up and you are now in danger of losing your home. Certainly, you would not wish for something like this to happen, would you?

The Best Loan Modification Program - How to Pick From the Lot

Thu, 23 Jul 2009 12:30:49 -0500

There are countless modification companies and equal variants of the loan modification programs. You, as a debtor striving to protect your home, would want your investment to bring out the best results. Here is a guide on how you can ensure that.

Foreclosure and Mortgage Loan Modification

Mon, 20 Jul 2009 10:10:56 -0500

The sub prime crisis that started in the year 2007 has now engulfed the whole country's economy. More and more mortgage loans are facing foreclosure and there seems to be only one counter blow to this snowballing event - loan modification.

Loan Modification Attorney - A Specialist on Your Side

Mon, 20 Jul 2009 10:10:48 -0500

The mortgage modification process can be a real mind boggling one if you are a first timer. Having no experience on your side can really mess up your chances or worse get you into an even deeper crisis than you were already in. The best solution to avoid all these drawbacks is to hire an attorney to provide you with some valuable loan modification help.

Loan Modification Guidelines - Obama's Plan

Wed, 15 Jul 2009 14:09:34 -0500

The Obama Home Affordable plan is the latest in the attempts to counter the rising graph of mortgage foreclosures. The plan is promising to be a much needed relief package for the homeowners struggling against foreclosures and losing their condos. Here are few common guidelines that the American government has established for the lenders opting to be a part of this mortgage modification plan.

Avoid Foreclosure - Loan Rate Modification

Tue, 14 Jul 2009 13:09:47 -0500

There is persistent chaos that is reigning in the real estate market today. Many home owners are facing the risk of foreclosures and losing their valuable property because they are falling short of the monthly payments of the loan.

Obama's Federal Mortgage Modification Plan - The Smooth and The Rough of It

Tue, 14 Jul 2009 11:57:24 -0500

The most recent development in the American government's efforts to fix the subprime mess has been Obama's $75 billion plan to stop foreclosures threatening the mortgage market. This plan seems to finally bring some relief to the unfortunate homeowners hustling to keep their sheltering condos.

Do it Yourself Loan Modification - 3 Essential Tips to Save Money

Tue, 14 Jul 2009 11:55:11 -0500

The recent sub-prime crisis that has hit the market has reproduced another evil weed in the real estate market - the weed of fraud and trickery. There are reports of loan modification companies exploiting this desperate situation of the homeowners looking to save their home loans from foreclosure and keep their condos.

Refinance Mortgage Loan - Pros and Cons

Thu, 09 Jul 2009 11:27:41 -0500

Refinancing, as the term suggests, is a process by which the borrower, replaces the terms and obligations of the existing loan with different ones. When the concerned asset is property then the type of refinancing is called mortgage refinancing and is very common in the real estate market. Refinancing the current loan has some benefits and a few shortcomings to it. Here is a simple guide to weigh up the pros and cons of refinancing.

Types of Loan Modification Programs

Wed, 08 Jul 2009 13:28:55 -0500

Although there are many loan modification companies that claim to offer their own scheme of loan refinance to the debtors in need, broadly speaking the loan modification processes can yield primarily four types of modified loan agreements. If you are a prospective applicant then it is important to know the different types to pick one that would suit your needs best.

Mortgage Modifications Programs - Beware of Fraudulent Companies

Thu, 02 Jul 2009 13:16:16 -0500

The present crisis of the housing market in the United Sates has made every other debtor desperately looking for the perfect mortgage loan company which would help him/her sail through this storm and avoid foreclosure. There are many fraudulent consultancies out there which are keen on exploiting these unfortunate needy circumstances for their selfish motive of profit. Here are few ways in which you as a debtor can sort out the liars.

Avoid Foreclosures - Debt Consolidation Vs Mortgage Modification

Wed, 01 Jul 2009 10:53:03 -0500

Debt consolidation and the mortgage modification program seem to be on the top of the list of major relief programs that are been sorted after by many homeowners struggling against foreclosures. Here is guide to compare the basic outline of both the services and chose the one which suits your financial needs best.

Countrywide Loan Modifications - An Indispensable Venture

Tue, 30 Jun 2009 10:09:15 -0500

The housing bubble in the States has burst and the economy is in crisis. In a 'depressing' phase such as this most of the struggling property owners are looking for a convenient option of getting a mortgage loan modification. Many modification companies are lined up to assist these homeowners in need and are doing so efficiently too. But very recently there have been reports of some companies being nothing more than con artists.

Mortgage Loan Modifications Can Save Your Home

Mon, 29 Jun 2009 14:30:55 -0500

Many people are having a rough time during this worldwide financial crises, foreclosures are up, many homes are in pre-foreclosure, and now there are mortgage loan modification procedures that you can use in order to save your home. If you are behind in your mortgage payments or you're going to have trouble making your mortgage payments, talk to your lending institution about a mortgage modification. A loan modification is simply modifying your existing loan.

Mortgage Modification Hardship Letter - Essential Tips to Qualify For Obama's Modification Loan

Mon, 29 Jun 2009 13:41:35 -0500

The hardship letter to a great extent decides the course that your application will take with the lender. The success of the whole loan modification negotiation is dependent greatly upon how convinced the bank/lender is with the hardship letter.

Bank Mortgage Loan Modification - Tips to Qualify

Thu, 25 Jun 2009 10:49:03 -0500

To protect your condo from seizure and foreclosure, seeking a mortgage foreclosure is, without doubt, the apt choice. But along with this decision there are many impeccable decisions that are to follow to ensure that you successfully bag that home loan modification deal with your bank. Here are a few tips that can be useful when applying for a bank loan modification to protect your precious property.

Obama's Foreclosure Plan - How to Qualify

Tue, 23 Jun 2009 10:26:32 -0500

The Obama home loan modification policy is meant to provide a helping hand to the unfortunate borrowers who are looking to protect their condos from the threatening foreclosures. Various governments in the United States have initiated many attempts since the outbreak of the menacing mortgage crises in the year 2006.

Qualifying For a Home Loan Modification is No Cake-Walk

Mon, 22 Jun 2009 10:57:34 -0500

Advanced countries are advanced solely because of their fast growing economies. So to stay in the lead the economy needs to be sound and be cushioned against major threats such as economic crises.

The Importance of an Attorney in US Market Home Loan Modification

Fri, 19 Jun 2009 10:58:19 -0500

There is no one simple formula that applies to all the home loan modification seekers. The process is a complex one and complex are the disparate ways it works in. The loan modification scenarios are vast and differ from applicant to applicant. When applying, it is obvious that you cannot be fully aware of these complexities and this lack of awareness can cost you dearly. So to avoid this irreparable damage you require the skill and expertise of an experienced attorney.

Home Loan Modification in the US - A History Lesson

Fri, 19 Jun 2009 10:58:11 -0500

The United States market is served well by the mortgage loan sub-market. However this housing market is prone to fluctuations and can time and again, can crash and take the whole economy with it. This has happened America quite a few times and the governments in such situations have to seek refuge in loan modification programs to alter the loan policies of the housing market.

Home Loan Modifications and the Sub-Prime Mortgage Crises

Thu, 18 Jun 2009 09:51:37 -0500

The sub-prime mortgage crises has hit the US housing market, and hit it hard. The crises began in the weak Midwest state economies and spread to the whole nation around 2007. This article would throw light on the nature and extent of the present sub-prime mortgage crises and the best possible solution that is being opted for by the crises ridden borrowers

Home Loan Modifications Scam - Be Wary of Fraudulent Companies

Wed, 17 Jun 2009 10:15:17 -0500

The American housing market is in a tight spot and in this bothersome situation, which is affecting the mortgage borrowers, the most obvious option left to go for to avoid foreclosure, is a home loan modification agreement with the lender. For this very purpose the desperately in-need borrowers often find themselves looking for possible exits from this horrible predicament.

Obama's Home Loan Modification Plan - A Review

Wed, 17 Jun 2009 10:14:00 -0500

Obama's idea of 'change' clicked with the American populace and spelled victory for him and the Democrats over the eight-year long regime of the Republican Party. An area where Barack Obama has incorporated this notion of change is the housing market. This incorporation goes by the name of Obama's loan modification plan that is aimed at the reshaping of the troubled mortgages and provide a saving hand to the stuck borrowers struggling with their loan payments and subsequent foreclosures.

Home Loan Modifications - The Most Common and Costly Mistakes

Tue, 16 Jun 2009 10:02:21 -0500

When you are applying for a home loan modification then it is obvious that you are not prospering, to quote an understatement. Nothing can be worse than a rejection of your plea, to top the pile of already increasing worries. In such a situation it is very important to very carefully go about the process of applying for the home loan modification and especially in the context of the highly competitive US housing market. Here are few mistakes that you can be aware of and thus avoid to prevent that dreaded refusal of the much needed mortgage loan modification.

Man's Best Friend - Dog Allergies

Thu, 03 Jul 2008 09:36:43 -0500

Man's best friends may often be his worst enemies when it comes to pet allergies. Allergy to dogs is relatively common, as dog allergen can be found in most public places. Patients allergic to dogs are actually allergic to the dog's saliva; airborne antigens from dried saliva are deposited to carpeting, furniture, clothes etc.

Peanut Allergies - The Killer Nut

Wed, 18 Jun 2008 10:46:29 -0500

With over a million sufferers in the US only, peanut allergy is easily the most prevalent food allergy. The symptoms of peanut allergy are caused by an allergy-type antibody developed by the immune system, triggered by the protein contained in peanuts. Though other food allergies, such as milk and egg allergy is mostly outgrown as we age, the same cannot be said for peanut.

Allergy Relief - Diagnosis and Prevention

Thu, 05 Jun 2008 13:02:46 -0500

Allergy is caused by type I hypersensitivity reactions of the immunity system. The reaction is characterized by extreme activation of mast cells and basophilic by an antibody IgE which results in inflammatory reaction to the activating substance.