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How Can I Prevent Foreclosure And Save My Home?

January 25th, 2010

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There are many different reasons why there are so many foreclosures in America today.

Unemployment rates are at a record high, many consumers made bad loan decisions in the recent past, and people living off of commissions are seeing their income dramatically cut in this economic crisis.

Hector Milla Editor of the “Best Mortgage Loan Modification” website — http://www.BestMortgageLoanModification.net — pointed out;

“…If you are one of the hundreds of thousands of people that may be facing a home foreclosure you probably have a lot of questions. However one of the most frequently asked questions is how can foreclosure be prevented? There are many ways that you can avoid foreclosure and even a few ways that you can still save your home…”

Probably the best course of action is to talk to your mortgage company immediately after learning of any financial difficulty. Especially in these hard economic times mortgage companies will do just about anything to avoid a foreclosure. Foreclosures are extremely costly to lenders and there really is not much recourse that a lender can enforce to get their money back. That is why it is in their best interest to help you out as best they can.

The options available to you will really be dependent on your situation. For example if you lost your job briefly but have found gainful employment with the same salary range you may be able to add your missed payments and any fees and penalties to your loan. For example if you owe $10,000 in missed payments and penalties and you have 15 more years left on your loan, you may be able to add the $10,000 to your loan and spread it out through the 15 years so you only owe around $55 more per month. You can also opt to add this as a balloon payment to the end of your loan. With a balloon payment you will owe the entire $10,000 at the very end of your loan. You will have the option to pay more monthly to reduce the balloon payment, or you can refinance your loan at any time to include the balloon payment.

“…Let’s say you were in a situation where you lost your job and found a new job with a much lower salary, or if you are working on commission and your salary will be reduced until the economy turns around. You may be able to refinance your home or do a loan modification. With this scenario your mortgage company may be able to reduce your interest rate or extend the life of the loan to lower your monthly payments. For example if you have a monthly payment of $2,600 over the course of 15 years, you may be able to extend your loan to 30 years and reduce your monthly payments to $1,300 per month in order to save your home from foreclosure…” H. Milla added.

Further information about how to get professional assistance with a mortgage loan modification by visiting; http://www.BestMortgageLoanModification.net

Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

Article Source:http://www.articlesbase.com/mortgage-articles/how-can-i-prevent-foreclosure-and-save-my-home-1779266.html

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Analyzing the FHA mortgage applicants Credit history

December 21st, 2009

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Analyzing the FHA mortgage applicants Credit history.

Credit History Past credit performance serves as the most useful guide in determining the FHA mortgage applicants attitude toward credit obligations and predicting a borrower’s future actions. A borrower who has made payments on previous and current obligations in a timely manner represents reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a FHA mortgage applicants credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the FHA mortgage applicants , including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including judgments, collections, and any other recent credit problems–require sufficient written explanation from the borrower. The borrower’s explanation must make sense and be consistent with other credit information in the file.

Neither the lack of credit history nor the borrower’s decision not to use credit may be used as a basis for rejecting the loan application. We also recognize that some prospective borrowers may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a non-traditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor.

As an alternative, the lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The lender must verify the credit using a published address or telephone number to make that verification.

The basic hierarchy of credit evaluation is the manner of payments made on previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, an individual with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

FHA loan Advantages Include:

Minimal Down Payment and Closing Costs.

Down payment less than 3.5% of Sales Price
Gift for down payment and closing costs allowed.
No reserves or required.
FHA regulated closing costs.
Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

Minimum FICO credit score of 540.
FHA will allow a home purchase 2 years after a Bankruptcy.
FHA will allow a home purchase 3 years after a Foreclosure.

Easier Debt Ratio & Job Requirement Guidelines such as:

Higher Debt Ratio’s than other home loan programs.
Less than two years on the job is allowed.
Self-Employed individuals o.k.

APPLY NOW AT (( www.FHAmortgageFHAloan.com ))

When reviewing the borrower’s credit and credit report, the lender must pay particular attention to the following:

Previous Rental or Mortgage Payment History. The payment history of the FHA mortgage applicants housing obligations holds significant importance in evaluating credit. The lender must determine the borrower’s payment history of housing obligations through either the credit report, verification of rent directly from the landlord (with no identity-of-interest with the borrower) or verification of mortgage directly from the mortgage servicer, or through canceled checks covering the most recent 12-month period.

Collections and Judgments. Court-ordered judgments must be paid off before the mortgage loan is eligible for FHA insurance endorsement. (An exception may be made if the borrower has agreed with the creditor to make regular and timely payments on the judgment and documentation is provided that the payments have been made in accordance with the agreement.) FHA does not require that collection accounts be paid off as a condition of mortgage approval. Collections and judgments indicate a borrower’s regard for credit obligations and must be considered in the analysis of creditworthiness with the lender documenting its reasons for approving a mortgage where the borrower has collection accounts or judgments. The borrower must explain in writing all collections and judgments.

Recent and/or Undisclosed Debts. The FHA lender must ascertain the purpose of any recent debts, as the indebtedness may have been incurred to obtain part of the required cash investment on the property being purchased. Similarly, the borrower must provide a satisfactory explanation for any significant debt that is shown on the credit report but not listed on the loan application. The borrower must explain in writing all inquiries shown on the credit report in the last 90 days.

Bankruptcy. A Chapter 7 bankruptcy (liquidation) does not disqualify a borrower from obtaining an FHA-insured mortgage if at least two years have elapsed since the date of the discharge of the bankruptcy. Additionally, the borrower must have re-established good credit or chosen not to incur new credit obligations. The borrower also must have demonstrated a documented ability to responsibly manage his or her financial affairs. An elapsed period of less than two years, but not less than 12 months, may be acceptable if the borrower can show that the bankruptcy was caused by extenuating circumstances beyond his or her control and has since exhibited a documented ability to manage his or her financial affairs in a responsible manner. Additionally, the lender must document that the borrower’s current situation indicates that the events that led to the bankruptcy are not likely to recur.

Previous Mortgage Foreclosure. A borrower whose previous principal residence or other real property was foreclosed or has given a deed-in-lieu of foreclosure within the previous three years is generally not eligible for a new FHA-insured mortgage. However, if the foreclosure was the result of documented extenuating circumstances that were beyond the control of the borrower and the borrower has re-established good credit since the foreclosure, the lender may grant an exception to the three-year requirement. Extenuating circumstances include serious illness or death of a wage earner, but do not include the inability to sell the house because of a job transfer or relocation to another area.

A Chapter 13 bankruptcy does not disqualify a borrower from obtaining an FHA-insured mortgage provided the lender documents that one year of the payout period under the bankruptcy has elapsed and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive permission from the court to enter into the mortgage transaction.

Consumer Credit Counseling Payment Plans. Participation in a consumer credit counseling payment program does not disqualify a borrower from obtaining an FHA-insured mortgage provided the lender documents that one year of the pay-out period has elapsed under the plan and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive written permission from the counseling agency to enter into the mortgage transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/analyzing-the-fha-mortgage-applicants-credit-history-1609486.html

Reduce Your Mortgage Reduce Your Mortgage Adequate Income, Credit History, Credit Information, Credit Obligations, Credit Performance, Delinquent Accounts, Derogatory Credit, Disregard, Fha Mortgage, Financial Difficulty, Financial Obligations, Judgments, Late Payments, Loan Application, Mail Delivery, Mortgage Applicants, Mortgage Fha, Occurrences, Prospective Borrowers, Slow Payments

FHA Mortgage Qualifying Florida, FHA qualifying is easy……

November 19th, 2009

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FHA CREDIT Qualifying

ANALYZING THE FHA Mortgage applicants Credit History

Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed
Seller can credit up to 6% of sales price towards closing and prepaid costs.
100% Financing available
No reserves required.
FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

- No minimum FICO score or credit score requirements.
- FHA will allow a home purchase 1 year after a Bankruptcy.
- FHA will allow a home purchase2 years after a Foreclosure.

To take advantage of the FHA program in Florida, Visit

www.FHAmortgageFHAloan.com

Past credit performance serves as the most useful guide in determining a borrower’s attitude toward credit obligations and predicting a borrower’s future actions. A borrower who has made

payments on previous and current obligations in a timely manner represents

reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a borrower’s credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are

revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the borrower, including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including

judgments, collections, and any other recent credit problems–require sufficient

written explanation from the borrower. The borrower’s explanation must make

sense and be consistent with other credit information in the file. Neither the lack of credit history nor the borrower’s decision not to use credit may

be used as a basis for rejecting the loan application. We also recognize that some prospective borrowers may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a nontraditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor. As an alternative, the lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The lender must verify the credit using a published address or telephone number to make that

verification.

The basic hierarchy of credit evaluation is the manner of payments made on

previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, an individual with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

When reviewing the borrower’s credit and credit report, the lender must pay

particular attention to the following:

A. Previous Rental or Mortgage Payment History. The payment history

of the borrower’s housing obligations holds significant importance in

evaluating credit. The lender must determine the borrower’s payment

history of housing obligations through either the credit report, verification

of rent directly from the landlord (with no identity-of-interest with the

borrower) or verification of mortgage directly from the mortgage servicer,

or through canceled checks covering the most recent 12-month period.

B. Recent and/or Undisclosed Debts. The lender must ascertain the

purpose of any recent debts, as the indebtedness may have been incurred

to obtain part of the required cash investment on the property being

purchased. Similarly, the borrower must provide a satisfactory

explanation for any significant debt that is shown on the credit report but

not listed on the loan application. The borrower must explain in writing

all inquiries shown on the credit report in the last 90 days.

C. Collections and Judgments. Court-ordered judgments must be paid off

before the mortgage loan is eligible for FHA insurance endorsement. (An

exception may be made if the borrower has agreed with the creditor to

make regular and timely payments on the judgment and documentation is

provided that the payments have been made in accordance with the

agreement.) FHA does not require that collection accounts be paid off as a

condition of mortgage approval. Collections and judgments indicate a

borrower’s regard for credit obligations and must be considered in the

analysis of creditworthiness with the lender documenting its reasons for

approving a mortgage where the borrower has collection accounts or

judgments. The borrower must explain in writing all collections and

judgments.

D. Previous Mortgage Foreclosure. A borrower whose previous principal

residence or other real property was foreclosed or has given a deed-in-lieu

of foreclosure within the previous three years is generally not eligible for a

new FHA-insured mortgage. However, if the foreclosure was the result of

documented extenuating circumstances that were beyond the control of the

borrower and the borrower has re-established good credit since the

foreclosure, the lender may grant an exception to the three-year

requirement. Extenuating circumstances include serious illness or death of

a wage earner, but do not include the inability to sell the house because of

a job transfer or relocation to another area.

E. Bankruptcy. A Chapter 7 bankruptcy (liquidation) does not disqualify a

borrower from obtaining an FHA-insured mortgage if at least two years

have elapsed since the date of the discharge of the bankruptcy.

Additionally, the borrower must have re-established good credit or chosen

not to incur new credit obligations. The borrower also must have

demonstrated a documented ability to responsibly manage his or her

financial affairs. An elapsed period of less than two years, but not less

than 12 months, may be acceptable if the borrower can show that the

bankruptcy was caused by extenuating circumstances beyond his or her

control and has since exhibited a documented ability to manage his or her

financial affairs in a responsible manner. Additionally, the lender must

document that the borrower’s current situation indicates that the events

that led to the bankruptcy are not likely to recur.

A Chapter 13 bankruptcy does not disqualify a borrower from obtaining

an FHA-insured mortgage provided the lender documents that one year of

the payout period under the bankruptcy has elapsed and the borrower’s

payment performance has been satisfactory (i.e., all required payments

made on time). In addition, the borrower must receive permission from

the court to enter into the mortgage transaction.

F. Consumer Credit Counseling Payment Plans. Participation in a

consumer credit counseling payment program does not disqualify a

borrower from obtaining an FHA-insured mortgage provided the lender

documents that one year of the pay-out period has elapsed under the plan

and the borrower’s payment performance has been satisfactory (i.e., all

required payments made on time). In addition, the borrower must receive

written permission from the counseling agency to enter into the mortgage

transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/fha-mortgage-qualifying-florida-fha-qualifying-is-easy-1479725.html

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Qualifying for an FHA Mortgage is easy with FHA

November 14th, 2009

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Qualifying for an FHA Mortgage

ANALYZING THE FHA MORTGAGE APPLICANTS CREDIT

Past credit performance serves as the most useful guide in determining an FHA mortgage applicants attitude toward credit obligations and predicting the FHA mortgage applicants future actions. An FHA mortgage applicants mortgage applicants who has made payments on previous and current obligations in a timely manner represents reduced risk. Conversely, if the credit history, despite adequate income to support obligations, reflects continuous slow payments, judgments, and delinquent accounts, strong compensating factors will be necessary to approve the loan.

When analyzing a mortgage applicants credit history, examine the overall pattern of credit behavior, rather than isolated occurrences of unsatisfactory or slow payments. A period of financial difficulty in the past does not necessarily make the risk unacceptable if the borrower has maintained a good payment record for a considerable time period since the difficulty. When delinquent accounts are revealed, the lender must document their analysis as to whether the late payments were based on a disregard for financial obligations, an inability to manage debt, or factors beyond the control of the borrower, including delayed mail delivery or disputes with creditors.

While minor derogatory information occurring two or more years in the past does not require explanation, major indications of derogatory credit–including judgments, collections, and any other recent credit problems–require sufficient written explanation from the borrower. The FHA mortgage applicants explanation must make sense and be consistent with other credit information in the file.

Neither the lack of credit history nor the mortgage FHA mortgage applicants decision not to use credit may be used as a basis for rejecting the loan application. We also recognize that some prospective FHA mortgage applicant may not have an established credit history. For those borrowers, and for those who do not use traditional credit, the lender must develop a credit history from utility payment records, rental payments, automobile insurance payments, or other means of direct access from the credit provider. The lender must document that the providers of non-traditional credit do, in fact, exist and verify the credit information. Documents confirming the existence of a non-traditional credit provider may include a public record from the state, county, or city records, or other means providing a similar level of objective confirmation. To verify the credit information, lenders must use a published address or telephone number for that creditor.

As an alternative, the FHA mortgage lender may elect to use a non-traditional mortgage credit report developed by a credit-reporting agency, provided that the credit reporting agency has verified the existence of the credit providers and the lender verifies that the non-traditional credit was extended to the applicant. The FHA Mortgage lender must verify the credit using a published address or telephone number to make that verification.

The basic hierarchy of credit evaluation is the manner of payments made on previous housing expenses, including utilities, followed by the payment history of installment debts, and then revolving accounts. Generally, the FHA mortgage applicant with no late housing or installment debt payments should be considered as having an acceptable credit history, unless there is major derogatory credit on his or her revolving accounts.

Minimal Down Payment and Closing costs.

Down payment less than 3% of Sales Price Gifts are allowed
Seller can credit up to 6% of sales price towards closing and prepaid costs.
100% Financing available
No reserves required.
FHA regulated closing costs.

Easier Credit Qualifying Guidelines such as:

- No minimum FICO score or credit score requirements.
- FHA will allow a home purchase 2 year after a Bankruptcy.
- FHA will allow a home purchase 3 years after a Foreclosure.

http://www.fhamortgagefhaloan.com/

When reviewing the FHA mortgage applicants credit and credit report, the FHA mortgage lender must pay particular attention to the following:

The lender must determine the borrower’s payment history of housing obligations through either the credit report, verification of rent directly from the landlord (with no identity-of-interest with the borrower) or verification of mortgage directly from the mortgage servicer, or through canceled checks covering the most recent 12-month period.
The FHA mortgage applicant must explain in writing all inquiries shown on the credit report in the last 90 days.
The borrower must explain in writing all collections and judgments.
Extenuating circumstances include serious illness or death of a wage earner, but do not include the inability to sell the house because of a job transfer or relocation to another area.
Additionally, the FHA mortgage lender must document that the FHA mortgage applicants current situation indicates that the events that led to the bankruptcy are not likely to recur.

Past Chapter 13 bankruptcy does not disqualify a FHA mortgage applicant from obtaining an FHA-insured mortgage provided the FHA mortgage lender documents that one year of the payout period under the bankruptcy has elapsed and the borrower’s payment performance has been satisfactory (i.e., all required payments made on time). In addition, the borrower must receive permission from the court to enter into the mortgage transaction.

Article Source:http://www.articlesbase.com/mortgage-articles/qualifying-for-an-fha-mortgage-is-easy-with-fha-1458523.html

Reduce Your Mortgage Reduce Your Mortgage Adequate Income, Credit History, Credit Information, Credit Obligations, Credit Performance, Delinquent Accounts, Derogatory Credit, Disregard, Fha Mortgage, Financial Difficulty, Financial Obligations, Judgments, Late Payments, Loan Application, Mail Delivery, Mortgage Applicant, Mortgage Applicants, Mortgage Fha, Occurrences, Slow Payments

Seriously, How does a Loan Modification Work Exactly? Find the Steps You Need

November 2nd, 2009

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Because there have been so many loan modification programs available in the market, many people seem to question how does a loan modification work. To answer the question, it caters to people who are currently experiencing financial difficulties with keeping up the mortgage payment for your home loan. If you are one of the several people that are questioning the same thing, then that is normally due to the current economic crisis being felt by the inhabitants of the United States.

Simply put, a loan modification is very self explanatory. It is an adjustment to your existing loan. This modification program can be done either in one or a blend of different ways. Since the loan modification alters the terms of an original loan, it makes the loan more affordable to the borrower while it also makes it acceptable to the lending party. This option eliminates the need to result to foreclosure, which does not benefit anyone.

Commonly, one way a loan can be modified is through a reduction in the interest rate, an extension of the repayment period of the loan, altering a variable in order to get a fixed rate loan, and even to add skipped payments to the loan’s end. All of these options provided by a mortgage modification will still be able to save you your money as well as your beloved home. In addition, several lenders have developed different programs which are able to give you the assistance that you need through these difficult times. Because you are experiencing financial difficulty, you can always approach your lender to see what he can do for you.

This loan modification has been made possible through the hard efforts of the current government administration. However, an unfortunate fact about the program is that not a lot of people can be given help one their home is valued less than what they owe. But for the other homeowners, this program can bring them comfort and joy.

A lot of lenders are allowing missed payments to be added to the end of a mortgage holder’s loan once they have gone through a temporary financial setback which has caused them to skip the payments. This is because it does not seem fair if the borrower has been making a point to meet deadlines on his mortgage and have all his efforts thrown away just because he has not been able to pay for a few months due to an uncontrolled situation such as the current economic downfall.

So if you are still questioning how does a loan modification work, why don’t you stand up and find out. This just might be the answer to help you save your home.

For detailed facts and essential tips about how you can be accepted for a loan modification, visit this simple, easy to understand loan modification guide and resource: http://HomeLoanModifications101.com

Article Source:http://www.articlesbase.com/mortgage-articles/seriously-how-does-a-loan-modification-work-exactly-find-the-steps-you-need-1411500.html

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How Can I Prevent Foreclosure And Save My Home?

Analyzing the FHA mortgage applicants Credit history

Analyzing the FHA mortgage applicants Credit history.

FHA Mortgage Qualifying Florida, FHA qualifying is easy……

Qualifying for an FHA Mortgage is easy with FHA

Seriously, How does a Loan Modification Work Exactly? Find the Steps You Need

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How Can I Prevent Foreclosure And Save My Home?

Analyzing the FHA mortgage applicants Credit history

Analyzing the FHA mortgage applicants Credit history.

FHA Mortgage Qualifying Florida, FHA qualifying is easy……

Qualifying for an FHA Mortgage is easy with FHA

Seriously, How does a Loan Modification Work Exactly? Find the Steps You Need

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