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Garage Door Tips For New Home Owners

Home Owner — Sat, 27 Nov 2010 05:05:02 +0000

If you’re one of Perth’s many new homeowners, you might not have thought much about garage doors in the past. In all likelihood you aren’t aware of all the benefits you can get from garage doors in Perth, or of the issues involved in choosing them. Here, then, is a quick run-down of what’s in store for you.

#Choosing your material

Perth’s new home owners have the luxury of installing garage doors in one of many different materials. The spectrum of options in Perth is easily wide enough to suit the environment of any home in the city. The metal and wooden garage doors of Perth could both be automated, given sufficiently enlightened homeowners, and new garage doors can also be added tastefully to your house.

The different materials on offer each bring some advantage to you. Wooden garage doors are perhaps the most magisterial front you could add to your home. They are generally more expensive than metal doors, but many consider the expense to be more than justified by the appearance. Wooden garage doors are, of course, particularly suited to period homes, but they can be used in other contexts. Those who find the wooden garage door too costly or too high-maintenance might prefer to buy a metal garage door with a wood-effect finish. From a distance of more than a few feet, these are visually indistinguishable from the real thing, and are superior to it in many practical ways.

The last common material for garage doors is metal. Metal garage doors have a satisfyingly solid feel. Metal doors are also a good choice if you live in a high-crime area, and would like 100% satisfaction about the security of your garage.

#Security

A garage door is a potential route for a burglar to gain entry to your house, and so it needs to be as secure as the rest of the building. Remember that your house is only as secure as the weakest point: there is no point having triple locks on your front door if your garage door isn’t just as secure.

Clearly automatic garage doors, especially remote-controlled ones, need to take security seriously. Some garage doors solve the problem by using a unique, secret code to open the door. When you are buying a garage door opener of this kind, you should make sure that the code is different for each garage door sold, and that it is not possible to use the opener for one set of garage doors on another set. There should also be some mechanism to change the code. This will be particularly important if one of your garage door controllers is lost or stolen. This is not an uncommon occurrence by any means: people tend to keep controllers for their automatic doors in their handbags or their cars. When they are mugged or their handbag is stolen (both events are common enough that they are a genuine cause for concern), the automatic garage doors’ remote control is in the hands of some criminal, and it becomes essential to change the codes on the garage doors. It’s no different from how you would change the locks on your doors if your keys were stolen.

It may be possible to skimp a little on the security of your garage doors, if you don’t keep anything valuable in your garage, and if there is a locked door between your garage and the rest of your house. But this isn’t advisable, even if your garage is empty: people become lazy, forget that the garage doors aren’t secure, and end up leaving the door into the rest of the house entirely unlocked. Better to be safe than sorry, and to make sure that you have a good, secure locking system on your automatic garage doors.

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3 more episodes today, starting off with a later Angus episode from 20-10-2000. The guests are Richard Blackwood and John Simpson. This episode is notable for being the first one broadcast on BBC1, along with Ian’s memorable description of Peter Mandleson being a home…owner.

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home owner?
I want to take my son's father to court for child support. And I have some addresses, of some building that i think he owns and i need to know before i go to court.

Reverse Mortgage: How to Get More Money as a Home Owner

Home Owner — Wed, 15 Sep 2010 05:04:57 +0000

Renovations and projects around the home can be very expensive, especially if you do not have a clear idea of how much they will cost before you begin the projects. If you do find that you are short on the money to fund these projects that you want to complete, you do have options that you might want to look into.

One option to look into when you want to complete renovations on your home but are short on the money to cover the project is a reverse mortgage. If you qualify, this type of loan can be just the way to get the money that you need to get your home back into shape. You might want to meet with reverse mortgage lenders if you are thinking about using this option however just to make sure that you qualify and also to make sure that it will be the best option for you to pursue.

One thing that might make a reverse mortgage the best option for your home renovations is that you probably will not have to begin paying the money back right away. Many times, home owners do not have to pay back this type of mortgage until after they have moved out of their home. Of course, this is something that you will want to discuss with reverse mortgage lenders to make sure it applies in your case. The thing to keep in mind however is that you do have options if you are short on money for fund these home projects.

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www.tourfactory.com For more information, contact: Jodie Fox 509-868-7287 CENTURY 21 Beutler Assoc NEW PRICE! Immaculate One Owner Home!

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How much do you pay for your home owner's insurance?
I am doing a survey and this would really be helpful for me.

Please let me know how much you pay for your home owner's insurance.

If you pay monthly or yearly.

The location of your home.

The value of your home.

How big your home is.

If you have flood insurance.

And what you have as your deductable.
Will people please ignore the idiot that just wants points and answer my question.

How much do YOU pay for home owners insurance.

Meaning, with the choices that you made, with the house that you have, how much do you pay?
You guys are great!

Please keep the answers coming.
I really need the yearly rate.

I am doing a report.
I AM DOING A REPORT LIKE I SAID!

I cant understand why people just don't answer the questions on this site.

That's what this was made for.

Not for the other person to ask "Why did you ask that".

I cannot understand this.

More States Looking To Model Help To Home Owners After Emergency Mortgage Assistance Program

Home Owner — Mon, 09 Aug 2010 05:05:28 +0000

Many people struggling to pay their mortgages across the nation are discovering that the government programs which have been set forth to help them stay in their homes are just not doing enough to help them accomplish that. While the federal programs currently in place are leaving many home owners still struggling for help, one program in Pennsylvania is helping many home owners keep their homes and regain some stability with their loan payments.

The Pennsylvania Housing Finance Agency has come up with a program available in that state to home owners who are out of work or struggling to make their mortgage payments. Home owners who need a temporary short-term loan to set them back on track with their mortgages can apply for the Emergency Mortgage Assistance Program and get a loan of up to sixty thousand dollars with payments starting in about three years, with approximately ten years to pay back the loan. The program is funded by the state government and the interest paid by loan recipients.

For many people, three years is enough time to get back to work and find their feet again after suffering a financial hardship; in Pennsylvania, this program has helped 43,000 home owners since 1983, and saved 80% of those from having their homes foreclosed on.

Other states are sitting up and taking notice of Pennsylvania’s program, particularly states that have been very hard hit with the recession. If other states could set up a similar program with the same regulations, thus ensuring the same high levels of repayment, then thousands of home owners might potentially be able to keep their homes instead of having them foreclosed on.

Hopefully these states can put together a better program than Fannie Mae attempted to manage in 2008/9. Fannie Mae’s program, for some reason, was not nearly as successful as the Pennsylvania state’s program; the defaults for the Fannie Mae program were a staggering 70 percent within the first year of the program beginning and the program was subsequently terminated.

If the individual states that need to be more proactive about helping their home owners keep their homes and stay out of foreclosure can manage to build their loan program closely to that of the Pennsylvania state program, they are far more likely to reduce the number of homes falling to foreclosure in their areas.

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Robomow is a line of fully automatic mowers and accessories for the home owner. Using proprietary, unique technology Robomow allows you to sit back and enjoy a healthy, evenly cut lawn without the effort of pushing a mower back and forth your backyard. Enjoy your free time and let Robomow work for you.

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As A Home owner living in a development, do I have the right to keep people off my property?
Kids from outside come in with other kids to play ball, in the cul da sac. Sometimes the balls hit garage doors and cars, the police say the kids can play there. As a home owner do I have the rights to keep them off my properity?

Loans for Non Home Owners- Financial Help for Tenant or Non Home Owners

Home Owner — Sat, 31 Jul 2010 05:04:52 +0000

Introduction:

Individuals who don’t possess their own home and living on rent can emerge in need of funds, with loans for non home owners people can avail easy funds without any hassle and hindrances. These loans are on of the best and feasible options to acquire immediate funds. These loans are ideal for those tenants who are seeking for the loan but don’t have any valuable asset to pledge as a security against the loan to the lender. These loans can be endowed in two options, secured loans and unsecured loans. Secured loans demand collateral pledging and provide you long term loans whereas unsecured loans do no require you to have any collateral top pledge and fulfill your short term temporary needs.

Features:

Tenant loans are unsecured which is specially meant for those who required emergency money to deal with urgency. You can avail easy loans with online facility which gradually helps in availing fast cash in your hand with easy processing and instant approval. These loans help in managing the entire situation without any difficulty and fulfilling special formalities. There is no credit checking formality is required therefore all the borrower are welcome to get the cash whether they are possessing bad records or good records. If you drowning in debts and bad credit are due to arrears, defaults, bankruptcy, insolvency, CCJ’s, IVA etc. than also lender will be able to help you to pay off your debts. The borrower doesn’t force to pledge collateral against the loan amount to the lender. Online application requires you to just fill a simple application form which requires certain personal and banking information needed for the approval. It doesn’t required heavy documentations and paper work. The lender will submit the required cash amount direct in your bank without giving you any hassle and discomfort. These loans are specially catered to provide help to the person who are unemployed and tenant. These loans are affordable and fast approved.

Requirements:

You need to follow up certain required specifications which should be demanded by the lender to get the easy approval of these loans. Such as:

The borrower should be permanent citizen of UK.

He should be an adult with the age of 18 years or more.

He should be having an active and lively bank account for needed online transactions.

You should also be having some source of income so that will be able to repay back the loan amount.

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Anthony lives amongst the Jews

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Home owner?
Where do I check who are the official owner of a house in Pearland, texas. I have the address but don't know who to verify the names who legally own it?

Home Owners and House Signs

Home Owner — Tue, 06 Jul 2010 05:04:54 +0000

It never stops surprising me how very few home owners consider the importance of a house sign . We all know the importance of first impressions, yet very few of us go to the trouble of purchasing a decent house sign. I you think about it when a visitor arrives probably the first thing they will encounter would be your house sign or not as the case may be.

If you look around your local vicinity you would be amazed at the different varieties of so called signs. I live in quite an up market area the houses are priced well above the national average. The gardens are well keep and the properties in general are very well maintained. So when walking down any of my local streets your under the impression that you are amongst proud home owners. That is until you start looking a little more closely; try a walk around the streets near you. I think you will be quite shocked when you see what people consider a house sign.

It is quite astounding what can be used for a house sign, I have seen old wooden signs so worn out that they are unreadable. I have seen numbers written in felt pen as well as rusted cheap numbers nailed to the door. If you are guilty of this you really should be ashamed. As a nation of home lovers we really ought to be taking more care. I’ve seen names and numbers painted directly onto concrete; surely this would actually take more effort than putting up a decent sign. Concrete is actually very difficult to paint. I noticed signs with letters or numbers missing as well as a sign made up of cardboard (not the best material). It is a wonder how The Royal Mail puts up with it, most of us shop on-line now and the delivery services must have a few choice words to say about those who think a scrawl on cardboard should pass as a house sign.

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This one-of-a-kind Chateau in Draper, Utah is now available for sale or lease. Conviniently located 30 min from 8 of the World’s best ski resorts, and 20 min from the International airport and downtown. Lease this 4 million dollar home for less than you would pay for a home half it’s value. This magificent estate home is 9300+ square feet of luxury. It’s builder/owner Synergy Homes & Design thought of every detail, you are sure to find suprises around every corner. The immeccable workmanship, creativity and attention to detail landed it the Parade of Homes – “People’s Choice Award”. This home is an entertainers delight, perfect for an athlete or sports lover (the playroom is a replica of Texas Stadium, home of the Dallas Cowboys. There is even an inside basketball court and a “Vegas” sports bar), the entertainer and your guests will love the negitive-edge pool and 50′ waterslide, or for the buyer looking for privacy, the home sits atop a private lane that will be gated. Who ever you are, the Chateau will make every visit feel like a private vacation. Visit www.synergyhomesand design.com to see more photos of the home or contact us at dominique@synergyhomes.net to learn more about Purchasing or Leasing the Chateau. Not interested in living in Utah? Let Synergy Homes and Design design and build your castle, wherever you may wish it to be.

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What do you think of a Home Owner's Association that can tell you what to do inside your home?
I am a home owner. I do not smoke – never have but something here doesn't seem right
.
My question refers to a Home Owner's Assignation in Colorado that told condo owners they can not smoke in their own home. The home owners went to court and lost.

These people their bought their condo, signed the lease – then the association changed the smoking rules. If the new rules had been in place at least the owners could of had the option not to move there.
How much power do you believe an association should have over what you do inside your home?
A number of people complain about Big Brother and the government overstepping privacy – is this better?

Debt Consolidation Tips For Non Home Owners

Home Owner — Sun, 25 Apr 2010 05:05:06 +0000

Most of the available debt consolidation schemes are meant for individuals who own property. Only some debt service agencies will offer debt solutions to people that neither have collateral to place nor have strong credit history to earn a minimum credibility to be eligible for various loans from reputed lending agencies.

If you feel depressed by financial problems arising from redundancy, illness or event like divorce, mishandling of funds or even no credit history (students) you can bring a life changing atmosphere just by managing your debts well, understanding what option you have and maintain the rudimentary discipline of paying it off fast.

You can be eligible for a debt consolidation loan if you are above 18 years of age and have taken up some measures like credit counseling, fixed a budget and learned to stick to it. Bankruptcy could be the last resort to obtain a debt counseling service if you don’t own a property. You can also negotiate with your lending agency to formulate an easy repayment option. Debt negotiation is done through the help of a professional counselor and a financial advisor.

If you have life insurance coverage for which you have been paying the premiums regularly for last ten years or more then this is considered to be one of your assets. This kind of insurance builds cash value over time. These policies serve as collateral against which you are eligible for a loan.

Find a co-signer who can vouch for you in case you default. If he /she is a person with good credit and asset that exceeds the amount of the loan amount that you have applied for then you are eligible to get a debt consolidation loan.
If you own any other mobile assets like motor homes, motorcycles, boats, RVs old coins or stamps or other assets like bonds, stocks etc. that bear a value that will be more than the amount of loan you need then you can get a debt consolidation loan from the agency you have applied to.

So the issue practically boils down to placing collateral that the agencies look at when they grant you the loan. This collateral is the way to protect themselves from their risks in case you turn out to be a defaulter or delinquent. If you lose your ability to pay back the collateral is pledged to compensate for this loss. So if you are a non home owner then there is a high chance that the collateral you place might not be of the value that would exceed your combined loan amount. If it does then you can qualify for any debt consolidation loan.

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www.lendinguniverse.com home insurance lead owner Metallic coinages were seldom satisfactory, because the supply of money depended on the whims of monarchs and chance discoveries of mines. Coinage problems became unimportant only when paper money and bank deposits became the common form…

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How does one transfer tax benefits from a home owner to a rent-to -won tenent?
I am getting into a rent-to-own lease covering the entire mortgage. What is the best way for the home owner to transfer the tax benefits to me?

Uncle Sam Gives A Break To Distressed Home Owners

Home Owner — Fri, 02 Apr 2010 05:05:17 +0000

Because of the foreclosure crisis, the Internal Revenue Services have decided to

give some relief to home owners that are facing foreclosure to make it easier and

possible to refinance or sell their primary residences.

The Internal Revenue Service is now expediting the “subordination” process for

federal tax liens, now what this means is basically allowing the new mortgage

holder to be in first position and the tax lien would move to second position.

Otherwise, especially in refinance transactions the Tax Lien would have to be

paid in full and released before the home owner would actually refinance. This

move by the internal revenue service is much needed in today’s market, as real

estate values plummet and there is little if any equity left for home owners to

refinance or do a traditional real estate sale.

This new approach by the internal revenue service can sometimes mean the

difference between the home owner and their family losing their home to

foreclosure or refinancing to lower their payments, where the home is now

affordable and they can continue to live there.

Now for home owners that are deciding to sell and move on, can also benefit

from this new IRS program. If a home owner has little or no equity, the tax lien

could be a road block in the selling process, but in this case the internal revenue

service will discharge the tax lien so the sale can be completed.

Now it is important to note that the IRS is not forgiving these back taxes that are

owed by the home owner, but instead they are no longer requiring that these

federal tax liens be paid off before the property is refinanced or sold. The IRS

now understands the concept that bad things happen to good people, as this

program was developed to help home owners that have a history of paying their

taxes on time and in full, but have found themselves in a predicament because of

the current economy.

Another great program from the Internal Revenue Service is the Mortgage

Forgiveness Debt Relief Act, which was enacted in 2007. This act only applied

to primary residences, but it makes home owners exempt from paying taxes on

“forgiven debt.” Now this is especially important as most home owners that need

to sell in today’s market will have to do a short sale and if they cant sell, then

they will end up in foreclosure. Either one of these cases will present the home

owner with a significant amount of forgiven debt, in excess of $100,000. Most

home owners that are in this situation are not even use to paying taxes on

anywhere near this amount, but more closer to 30,000 – 40,000. So a short sale

or foreclosure could create significant debt for home owners, but not anymore,

thanks to the Mortgage Forgiveness Debt Relief Act. I do recommend that you

speak to your tax advisor, as everyone situation is different.

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On December 30th 2009, after 6 months of BS, I finally completed the closing for the purchase of my first house. So the next day I took the camera with me and took a walk though of MY house. She’s gonna need some work, that’s for sure, but hey it was cheap (and cheap was all I could afford!)

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Do you think this is a good idea for a home owner's club?
We help decorate eachother's houses by taking turns to go to a friend's house and paint and decorate a room. The home owner recipient buys all materials of course and has drinks and food and provides a nice lunch for everybody. We play music and socialize as we work. I was thinking more for an all ladies club.

Any suggestions on getting it off the ground. How can I get my friends to go for it? Most of them live in rentals. Should I try to make new friends online or some other way to start my club?

Some Home Owners And Banks Choosing Short Sales Over Foreclosure

Home Owner — Sat, 23 Jan 2010 05:05:15 +0000

Up until recently, banks have not been very supportive of giving home owners the option of a short sale because they are a complicated way to deal with a delinquent mortgage. However, with the rising wave of possible foreclosures on the horizon, some lenders are becoming more accepting of short sales as an option.

A short sale can be less costly to a lender than a foreclosure and a short sale is reportedly less damaging to a home owner’s credit score as well. Short sales are less costly to the lender because occupied homes sell for more and are less likely to sustain damage from vandalism.

A short sale lets a home owner sell their home for less than is owed on the property; because of current reduced values on real estate most homes are not worth what home owners paid for them originally. Lenders don’t like short sales because of the shortfall in selling price compared to what’s owed; though many more lenders are opening up to short sales as a less costly option than foreclosures. Home owners should be aware that a short sale for their home may leave them with a portion of the debt even after their house has been sold, however.

Short sales can be extremely difficult to complete due to the prolific use of second mortgages over the housing boom years. Many home owners financed expensive upgrades to their homes based on the equity that they had which now are lacking due to falling home prices. These second mortgages can make the short sale process very complicated. About a third of the homes in foreclosure across the country currently have a second mortgage on them.

The government will be offering incentives for both owners and lenders to do short sales for homeowners who would otherwise be facing foreclosures starting in April of this year. It is important to realise, however, that what is best for some home owners will not be the best option for every home owner who is delinquent with their mortgage payments; some home owners would be far better off financially to walk away from their mortgage than to go through the process of a short sale. Many home owners choose a method of dealing with these delinquent loans that is in the best interest of the lender due to pressure and guilt; to know what your best option is, contact a lawyer to ensure that you aren’t being pressured by your lender into an option that isn’t in your best interest.

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Watch more at www.theyoungturks.com

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Can you change home owner's insurance and is it difficult?
I already enrolled in a home owner's insurance but am getting dogs that this insurance does not allow, they are going to be puppies but once they are grown I will have to change insurance .Is it a big hassle?

The Importance of Rancho Cucamonga Home Owner’s Association Insurance

Home Owner — Tue, 17 Nov 2009 05:05:12 +0000

The Importance of Rancho Cucamonga Home Owner’s Association Insurance

Most folks in the Rancho Cucamonga area try as hard as they can to insure whatever it is they own that they feel is of value to them. If you believe your Rancho Cucamonga home is one of these valuable investments, which of course it is, then you should be very concerned about having it fully insured. Keep reading to find out more about the importance of Rancho Cucamonga Home Owner Assocation Insurance.

What does a home owner’s association insurance policy in Rancho Cucamnoga protect? Let’s say a fire broke out in your Rancho Cucamonga home and burned down everything you owned, if you were not insured then you would have a world of problems making a recovery from that devastating experience. If however you have Rancho Cucamonga home owners insurance then recovering from a house fire is made easier. This is just an example. There are other types of Rancho Cucamonga home owners association insurance coverages that would shield you from liabilities arising from possible lawsuits and or coverage for your personal belongings lost in a fire or other disaster. Hopefully that isn’t the case for your home but if it were your best bet would be to have Rancho Cucamonga Home Owners Association Insurance.

It is wise to educate yourself on all the different types of Rancho Cucamonga home owners association insurance policies and coverages out there when choosing a home owners association insurance policy. It is best to be aware of all the various coverages so you can fully decide which Rancho Cucamonga home owners association insurance type is best for you and will provide the right protection of your belongings.

Different Rancho Cucamonga insurance companies offer different types of home owners association insurance. What this means is that the possibility of you finding the right type of plan, coverage and or policy to fit your budget can exist by just shopping around for the best type of Rancho Cucamonga home owners association insurance to fit your needs.

A Rancho Cucamonga home owners association insurance policy will protect your property. This means that you would be compensated for the loss or damage of the insured property in Rancho Cucamonga depending on the extent of your coverage. This policy can include coverage from fire, lightening, theft, explosions, windstorm or hail. You would need to read your Rancho Cucamonga home owners association insurance policy document to fully ascertain what your coverage includes.

There is the type of Rancho Cucamonga home owners association insurance liability coverage which covers you from claims arising from someone who injures themselves on your Rancho Cucamonga property. Another type of it would provide medical care for the injured party. So your Rancho Cucamonga home owners association insurance policy can take care of that situation saving you both time and money. It is always best to have even minimal Rancho Cucamonga home owners association insurance coverage rather than none at all.

If your Rancho Cucamonga home was damaged and rendered uninhabitable for a period, your home owners association insurance coverage can take care of all your extra living expenses like hotel bills, replacement of wardrobe and food as well. Again it all depends on what type of Rancho Cucamonga home owners association insurance coverage you have.

For those who rent or live in Rancho Cucamonga rental properties they need a type of home owners association insurance that provides coverage for their personal belongings as whatever insurance the property’s owner has would not cover the renter’s personal belongings.

Rancho Cucamonga property owners would need a type of home owners association insurance that is specific to the property owner so that their Rancho Cucamonga property which they have rented out can be protected.

To be sure you get the Rancho Cucamonga home owners association insurance coverage you want and or need at the best rate get with some home owner association insurance providers and get as many free quotes as possible to insure the best deal and coverage. There are quote comparison sites where you can fill out online forms to get free Rancho Cucamonga home owner association insurance quotes but it’s probably always better to speak to someone local. This way they know the local laws and policies when it comes to what is needed for your specific case and or scenerio. By speaking to a local Rancho Cucamonga home owner association insurance provider you can rest assured that they will educate you on what you need and hopefully find you the best possible coverage around at the best rates.

For more information on Rancho Cucamonga home owners association insurance coverages and policies visit Cornerstone Commercial & Personal Insurance Services http://www.cornerstoneinsurance.org . It is owned and operated by Phil Hakopian who will make sure you’re covered and insured properly.

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Real Estate agents are being faced with the need to do short sales. So why do real estate agents hate short sales? I’ll tell you why they can be very frustrating. One of the Reasons they are so frustrating is that they take so long and you can lose your buyer while you wait for the answer from the bank. If Realtors can change their perspective on this first buyer it can make a big difference in their short sale. Alliance Short Sales in a company that provides: Education for Short Sales, Short sale Processing, Short Sale negotiation training. We would love to help you with your short sales with education, advice or service. Contact us at 509-747-1101. Short Sales suck, help me with my short sale, help with short sales, short sale negotiation, short sale negotiation, short sale negotiation company, short sale processing, I need help with my short sale, what are lenders thinking with a short sale, lenders suck, how do I stop foreclosure, I want to stop my foreclosure (forclosure), I need help with B of A, Banks of America, Chase, Washington Mutual, Country wide, countrywide sucks, What is the number for my lender, HSBC, Customer Service, Aurora, Wells Fargo, Short Sale success, Jessica Side, Matt Side, Alliance Short Sales, Alliance, Real Estate Agent Training, Short Sale Training, Short Sale Training for Realestate Agents, Short Sales in Seattle, Sucess in the Seattle market, Seattle Short Sales, Will a bank do a short sales, what banks do short sales?, will I qualify for a …

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What is the average rent for a baby safe home that is owned by a private home owner?
I am a home owner who is looking to rent my house out to a baby safe home. I would like information on how much i should ask for rent [preferably the average cost of rent] and how much my income would be.

President Obama, don’t sit quietly by and allow the robbery and exploitation of American home owners

Home Owner — Fri, 16 Oct 2009 05:05:19 +0000

President Obama, don’t sit quietly by and allow the robbery and exploitation of American home owners, especially when private financial institutions are being given such big brakes. Show Americans who supported you all the way to the White House, that you really do care!!!

CAREIF.com IS ALERTING President Barack Obama, that the loan modification program now being offered to home owners, under his watch is more exploitive than what the credit card companies and private lenders are doing or offering to their customers. Home owners need to be protected from this kind of exploitation Mr. President! Can you imagine, the Federal government which should be the chief protectors for American consumers and homeowners, in the worst economic crisis in the history of modern America, is instead the leader and chief advocate; setting the model for the crushing of all hopes of homeownership, thus removing the roof from over the heads of millions of Americans.

What makes it especially difficult to digest is this Federally backed modification program, now being offered, is demanding that homeowners accept a debt burden significantly larger that the appraised value of their home. A debt the home may never be able to cover if sold in the near or distant future; but which none the less still leaves the homeowner owning the debt. Home owners were promised some modification in the balance of their mortgage. Modification consistent with and to meet the true market value of the home after many were prepared to walk away from a home they could never finish paying for or re-sell at the end of the mortgage payment period. These home may never again reach values used by lending institutions to secure loans. And even though Freddie-Mac, awe-to fully know, that financial institutions , appraisers and brokers used artificial values to give these loans, therefore actually and in reality defrauding homeowners; Freddie Mac, is only giving home owners 5 day or less to accept a program which offer them no real relief, or else!

Homeowners had no say in what the true value of their homes would be, as appraisals were done under bank control and supervision by the Banks’ own preferred appraiser. They; homeowners, were literally forced to buy at whatever value was assigned by the banks. And now that it is clear that homes are and were in reality and fact, significantly less in valuable, mortgage modification programs , again being offered by Government backed institutions such as Freddie-Mac, a Federally run,[ government run] lending institutions is chief amongst those telling homeowners fighting to keep their homes that they must pay above the true value of the home to be able to hold on to those very homes the government does not want to see abandoned. If homeowners are forced to walk away for their homes the implication would be significantly negative for the recovery of the economy. With more inventory coming on the market as a result, the housing sector is bound to see further decline. One would think the Federal government would know this. The Federal government should also know that, in many, if not most cases, it’s actually less costly for these home owners to walk away and rent a house, with no obligation for taxes or for up-keep, for significantly less than what this Freddie-Mac program is offering. So what’s the incentive for homeowners to stay in their homes and save the economy Mr. President? Absolutely none!!!

CAREIF’s recommendation to homeowners who find themselves in this dilemma, is to first appeal the decision of Freddie Mac, and when they refuse to reduce that principal amount, simply walk away. It cost you less to rent and your credit will be rebuilt. Regardless of what they are saying in trying to intimidate you as to you having bad credit, financial institutions need you much more that you need them. Money will eventually become available for even those homeowners who now face foreclosure or will face later. Until then, strict fiscal policy in handling your income will make you a wealthier person. SO don’t worry about the intimidation by Freddie Mac in giving you only five days to sign a document; the terms of which, you don’t agree. Draw a line through the section that says regardless of the value of your home when you sell or pay off the part of the principal Freddie Mac is allowing you to pay, you must pay the difference even when the home is still not worth the money being asked for by Freddie -Mac.

As a matter of fact, the current offer on the table is merely asking you to pay rent, take care of the taxes, maintenance and insurance on the property, but you will never own your home. Freddie-Mac has come up with the perfect strategy to be a landlord, have you pay interest on your rent, giving the landlord absolutely no involvement with the property other than profit. At the end of meeting adjustable; instead of fixed rate payments, one of the problematic issues which caused the current crisis in the first place, you must find hundreds of thousands of dollars to pay Freddie-Mac before you can stay in what you are being lead to believe is a home you own. You will never own that home under the current program being offered by Freddie-Mac.

YOU THE HOMEOWNER CAN DO MUCH BETTER. In the same neighborhood that you now live, chances are you can find homes available for sale, lease or rent, comparable to yours for far less than its costing you to live in your own. And remember when you do rent or lease, you will not have the taxes and other property owners expenses to deal with. You are in fact saving. Putting back money into your pockets. If Freddie-Mac or any other financial institution; more so government backed lender, tries to sell you this kind of arrangement, don’t take it. You are better off walking away. And remember while these same institutions are not willing to reduce the principal amount owed for the homeowner, they will as well as have turn around in many and on going actions; sold the note or the home to investors for pennies on the dollar. In short where the bank or; Freddie-Mac in this case, is not willing to make a modification of the note; the Principal in favor of the homeowner, they will and are currently doing the same thing, under short sale programs and discount sale on notes to investors. The absolutely difficult thing to understand here is if Freddie-Mac IS ALREADY DISCOUNTING NOTES AND PROPERTIES TO INVESTORS, for pennies on the dollar, why not offer the same discount to the persons who currently live in the homes; the homeowner?

The biggest irony is that while the Federal Government was, has been and still willing to write off significant debts owed by Financial institutions; amounting to billions of dollars, the government again is not willing to accommodate the very tax payers whose dollars were used to both bail out there institutions as well as subsidize the debt forgiveness granted to the very Banks which in concert with others caused the problems in the first place. The Federal government in its quest to seek justice for the American homeowners needs to go after these banks and lenders that gave the loans then quickly sold them off in their various tricky securities scheme. Homeowners did not get money in their hands from these transactions. So whose defrauding whom. In short the lenders, sold home owners a bad deal and then got quickly out of town leaving the homeowners to hold the proverbial bag!

Mr. President you cannot stand by and allow homeowners who are also tax payers, living in this country to be the scapegoats, allow them to be constantly thrown under the proverbial BUS. You bailed out Wall Street, using tax dollars collected from these very homeowners. Its only the right, decent and honorable thing to do to protect the American citizen. To ask homeowners to pay much more that their homes are worth, long after many may be dead or have retired or have them find money elsewhere to pay to the Federal government for non-existing equity in a home, is shameful robbery and exploitation of this country; the United States, and more shocking, it’s citizens by the Federal government. The Federal government recently gave billions in debt relief through debt forgiveness to some financial institutions to the tune of Billions of dollars. If that can be done for financial institutions, why can’t it be done for ordinary American homeowners?

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