foreclosure - Blogs - Black Business Women Online

Bankruptcy Removal or Foreclosure Removal within 60 Days Guarantee http://GoodCreditUnion.com

Posted by HOUSTON MCMILLER on March 6, 2013 at 4:03pm

http://GoodCreditUnion.com 1-800-652-7157, Bankruptcy Removal or Foreclosure Removal within 60 Days Guarantee. Understanding because of the economic downturn in the economy, many of us have had to experience either a bankruptcy of foreclosure.

Now, although, we have damaged our credit due to a Bankruptcy or Foreclosure that does now mean that those negative marks could not be removed for our credit. I here from people all the time that a Bankruptcy Removal or Foreclosure Removal within 60 Days is impossible until they see a few of my videos showing proof.
https://www.youtube.com/watch?v=HC_XJOlTbRQ&feature=share&list=UU89rEq3EvbzNWvxs5mh-HcQ

If you're ready for that Bankruptcy Removal or Foreclosure Removal within 60 Days give us a call 1-800-652-7157

https://www.youtube.com/watch?v=MzUGotFxOfs

http:://BusinessCreditAmerica.com

Are YOU or Someone YOU KNOW In Danger Of Foreclosure? Help is one click away...

Posted by Denise R. McCoy on October 8, 2009 at 8:18pm

Greetings!There have been questions about how Sacramento Mutual Housing Association provides our foreclosure intervention services. Therefore, I wanted to remind you that we continue to provide foreclosure counseling.We invite you to make referrals to 'HomeSave mutual housing' if you know a homeowner at risk of losing their home or defaulting on their mortgage payments.Homeowners in any stage of the process, including those who are afraid they may have trouble making future payments on their mortgages, are invited to call our HomeSave help line or email us. Currently, we provide these sessions in English, Russian and Spanish. At this time, for Southeast Asian language speakers, we will arrange translation or the homeowner can have someone else call for them.Referrals should be made to:homesave@mutualhousing.com(916) 453-8400 ext. 43 or Or (888) 453-8404 ext. 43Thank you, and have a great week!Denise R. McCoy, Board MemberSacramento Mutual Housing AssociationContact:Sacramento Mutual Housing Association3451 Fifth AvenueSacramento, CA 95817Ph: 916/ 453-8400 ext. 24Fax: 916/ 453-8401http://www.mutualhousing.com

What In The World Is A Short Sale? Check out Wikipedia's Definition...

Posted by Denise R. McCoy on October 8, 2009 at 8:02pm

Wikipedia's DefinitionA short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold.In a short sale, the bank or mortgage lender agrees to discount a loan balance because of an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's loss mitigation or workout department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market and the borrower's financial situation.A short sale typically is executed to prevent a home foreclosure, but the decision to proceed with a short sale is predicated on the most economic way for the bank to recover the amount owed on the property. Often a bank will allow a short sale if they believe that it will result in a smaller financial loss than foreclosing as there are carrying costs that are associated with a foreclosure. A bank will typically determine the amount of equity (or lack thereof), by determining the probable selling price from a Broker Price Opinion BPO (also known as a Broker Opinion of Value (BOV)) or through a valuation of an appraisal.For the home owner, advantages include avoidance of a foreclosure on their credit history and partial control of the monetary deficiency. A short sale is typically faster and less expensive than a foreclosure. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount. It does not extinguish the remaining balance unless settlement is clearly indicated on the acceptance of offer.Short sales are common in standard business transactions in recognition that creditors are not doing debtors a favor but, rather, engaging in a business transaction when extending credit. When it makes no business sense or is economically not feasible to retain an asset, businesses default on their loans (called bonds). It is not uncommon for business bonds to trade on the after-market for a small fraction of their face value in realization of the likelihood of these future defaults.Got questions about short sales? denise.mccoytilson@rearealtors.com

April Week 1 Tip: Do your homework first!

Posted by Annetta Powell on April 6, 2009 at 12:30pm

Make sure you have done your research before talking with sellers. Know the property values in your area, so when a seller tells you their price, you will know if it’s reasonable for you to purchase.Annetta PowellQueen of Real EstateClick here for more tips and information!Clicking link will not take you away from site

April Week 2 CIOF Tip: Do the Math!

Posted by Annetta Powell on April 13, 2009 at 12:30pm

Never buy a property until you have completed the calculations to determine whether you will make a profit once the property is renovated.

Visit CahInOnForeclosures.com for more Information!
Clicking the link above will not take you away from this siteAnnetta PowellQueen of Real Estate

Henrietta Hughes

Posted by Brenda Farrar-Ejemai on February 14, 2009 at 1:34am

Greetings,This is Brenda Farrar-Ejemai, author of the book, The Family In The Car, A Revelation.This documentary tells the struggles of a family surviving on the streets of New York City, while living in their car.Henrietta Hughes made an emotional plea for help from President Obama, in Fort Myers, Florida, because she was homeless and living in her small car with her family.After this media event, in front of millions of people, this now epidemic will get the attention that it is due.The face of the homeless is changing rapidly.If you would like further information about this topic, you may contact me at: familyinthecar@yahoo.com.Thank you.Brenda Farrar-EjemaiCEO, Favor Blooms, LLCBoard, United Black Writers Associationwww.TheFamilyInTheCar.comwww.youtube.com/thefamilyinthecarThe Family In The Car, A RevelationISBN 978-1-58909-485-7http://www.TheFamilyInTheCar.comhttps://www.youtube.com/thefamilyinthecar"Be Sure To Notice When You're Happy"

Homeless Woman Makes an Emotional Plea to President Barack Obama

Posted by Brenda Farrar-Ejemai on February 14, 2009 at 1:34am

Worry

Posted by Brenda Farrar-Ejemai on February 14, 2009 at 1:32am

WORRYWorry is to feel or express great care and anxiety, to fret. To worry is to have something constantly on the mind and agonizing over it. It can give a sick feeling. It can also be expressed through speech and action. The mind is agitated and there are complaints, there is impatience and irritability. In other words, there is no peace.Sometimes worry can consume hours, days even weeks out of your life. You try to throw it off, but it clings like static. It clings like a tick on an unsuspecting animal.Then “What If” enters. When “What If” enters, peace leaves. You yearn for peace, but the “What Ifs” overpowers and takes control. It keeps a question on the mind. You’re constantly wondering, what if this, what if that. You want to stop worrying, but the mind seems to find comfort in it.Has worry every visited so strongly that when the situation was resolved, you were angry for worrying about it? You worried for hours, days, weeks or even years. It consumed your time and energy. All wasted. You had sleepless nights. You suffered muscle tension, and stress you didn’t need; and all for what? It was for no reason at all. The situation came and went without incident. Your “What Ifs” never manifested and your fears never materialized.You want to kick yourself for what worry put you through. You say within yourself, you’ll never do that again. But does it work?Before you know it, there’s worry knocking at your door. It’s pleading to be let in again. It wants to be your buddy, your companion, your friend.Worry takes up time, saps energy and replaces peaces. It leaves you with nothing in return. Nothing is gained. You are no better for it. You’re only left with less.WORRYWe can all do without a companion like that.Cast it down and cast it out.YOU DON’T NEED IT!Brenda Farrar-Ejemai©2005Author of: The Family in the Car, A Revelationwww.TheFamilyInTheCar.comwww.youtube.com/thefamilyinthecarISBN 978-1-58909-485-7

The Benefits of Owning vs Renting

Posted by Omitunde on November 3, 2008 at 1:00pm

Purchasing a home is an intimidating process without the news reports about the current mortgage crisis, repeating terms like sub-prime lending and balloon payments. Families are losing their homes at an alarming rate and it has been reported that African Americans have been the target of mortgage lenders processing high cost loans by qualifying those with poor credit scores for high interests rates and hidden costs like balloon payments. Sub prime is a type of loan that is offered at a rate above prime to individuals who do not qualify for prime rate loans.Dedrick Muhammad co-author of a report from United for a Fair Economy called “Foreclosed: The State of the Dream 2008, cites the sub-prime mortgage crisis as the source leading to the greatest loss of wealth in modern US history for people of color who stand to lose over $200 billion dollars. Dedrick Muhammad is senior organizer and research associate at the Institute for Policy Studies.It all seems overwhelming to our desire to own a home and have our own piece of land to cultivate overshadowed by the anxiety we all feel for those families that are victims of foreclosure due to predatory lending practices. We dread the thought of losing a home before we even purchase one. If you have ever lost a home is it a paralyzing experience. The feeling of shame, blame, and guilt to feel your home slipping away can be devastating.Read moreOmitunde, Publisher of African American Family ConnectionAn online magazine about African American Family values and community.Visit AAFC for the latest issue each month and a copy of "The Ripple Effect".

PRESS RELEASE - THE LONG AWAITED DOCUMENTARY- THE FAMILY IN THE CAR, A Revelation - IS NOW AVAILABLE!

Posted by Brenda Farrar-Ejemai on May 8, 2008 at 10:30pm

For Immediate ReleaseContact Information:Brenda Farrar-EjemaiE-Mail: favorblooms@thefamilyinthecar.comA SHELTER IN THE TIME OF STORMAuthor Releases Documentary after 4 YearsColumbia, MD-April 5, 2008--Well-known author, Brenda Farrar-Ejemai reveals, what was at first anonymously written, a documentary that records her experience in New York City over 17 years ago. Faced with the unexpected trauma of homelessness, her struggle began.THE FAMILY IN THE CAR, A Revelation, which the author describes as “on-time”, time-lines the journey of this struggle. It shows how members of a family who were all their lives sheltered, as well as privileged, now were without. “The trauma was so unbelievable, I felt that period in my life was a dream and not actually lived,” Ejemai said. Although it was written in 2004, the author felt led to release it in 2008 and reveal the true characters in the documentary. It is impacted with trials, but ends with triumph. This documentary will not only encourage, but will inspire those who are experiencing or have experienced this trauma.There are a number of middle class Americans living secretly homeless today.Brenda Farrar-Ejemai has taken a leap-of-faith in the writing of this documentary. With the rise in foreclosures in the United States today, this documentary is not only timely, but relevant. The face of the homeless is changing rapidly. No longer can the homeless be viewed only as the poor, criminals or mentally ill. Homelessness is involving the middle class as well.“This is a story that all Americans should read and see.…informational, educational and compelling.”Donald L. Vasicek, Producer,Olympus Films +www.donvasicek.comA DOCUMENTARY FOR OUR TIME# # #If you would like more information about the documentary, The Family In The Car, A Revelation or to schedule an interview with Brenda Farrar-Ejemai, please contactFavor Blooms, LLC, P.O. Box 765, Columbia, Maryland 21045.www.TheFamilyInTheCar.comwww.ebookstand.com/books.grp/BR2191.htmlISBN: 978-1-58909-485-7Available on Amazon.com

PRESS RELEASE - THE LONG AWAITED DOCUMENTARY- THE FAMILY IN THE CAR, A Revelation - IS NOW AVAILABLE

Posted by Brenda Farrar-Ejemai on May 4, 2008 at 7:36pm

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Note: this page contains paid content.

Note: this page contains paid content.

Note: this page contains paid content.