Mortgage Lenders

The ShredShack was created to help spread the word regarding the Only REAL help available to those with mortgages underwater or upside-down.

Tired of talking to countless Bank representatives, State Departments, private non-profit companies, and Attorneys who all talk about modifying only the conditions of your loan, but not the Principal Balance / Loan Amount??? Tired of these representatives asking that you fill-out countless amounts of forms, only to asked months later that you to fill even more forms?

Tired of no one REALLY helping with regard to a REAL aggressive solution such as fixing the LARGEST issue at hand — your mortgage Principal Reduction on the Balance??

Look no further. Upon qualification, you can experience True solutions that will modify Term, Conditions, and effectively write an entirely new mortgage for you.

The Shred Shack is the Leader as we exercise the only technique currently available within the U.S. to offer such a result.

The TRUTH is that the banks have already been bailed out by the tax payer (you), so they have very little incentive to behave in a way that will offer you real aggressive assistance. I’m sure youve discovered this notion to be simply insult to an already very deep injury. AND WE AGREE.

What we offer is actually not a modification at all, but a re-finance option that will not only change your conditions and overall balance, but write a brand new mortgage for your property.

Best of all, you have nothing to loose, as we do all the negotiating, all the internal paperwork, all the processing, and charge you NOTHING upfront while we work for you. All you pay are the closing costs.

Best – Best of all, we do not commit to working on this plan on your behalf unless we believe we can close your new mortgage allowing you the security and piece-of-mind that all you will owe on the new mortgage is a new principal balance of 5% LESS than current Market Value for your property! Yes, you heard right, well structure this so you gain equity!

Join me for my live radio show or view my video clips for copies of prerecorded shows as well as presentations regarding this amazing opportunity.

e-mail me here for more info and to apply online!

InLiberty!

Ricardo

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Stallion Printing is a well established, high volume commercial and industrial print company located in Los Angeles California. We specialize in stationery packages, catalogs, data sheets, in-house printed material and promotional literature. Our facility currently houses 12 presses including a Halm Envelope Jet Press with 300,000 2-color envelopes per day capacity. The most recent additions to our press line include a new 4 color Komori, and new 5 Color Heidelberg Perfector. Our total daily production of 4 color sheets now exceeds 750,000. We also have full in-house prepress and graphics capabilities, with all color printing supported by in-house film generation. The latest Kodak and DuPont Digital Color Proofing Systems are used to show you exactly how your jobs will look before they go to press. Any changes can be easily made at this point by our prepress specialists. Fulfillment is never a problem as we have a subsidiary mail house that handles all of our clients’ mailing needs. Whether local or international, mailing is never a problem for Stallion Printing. We also ship for free anywhere in the Los Angeles area.

Stallion Printing prides itself on not only our printing capabilities, but also on our customer service and solid long-term customer relationships. Our dedicated staff can review your overall printing requirements and work hard to develop a price structure that will result in sizable savings for your office, small business, or large corporation. Some of our current customers include Wells Fargo Bank, Temple-Inland Mortgage Corporation, First Southwestern Title Company, McDonald’s, Stewart Title, ITT General Controls, ITT Credit Union, ASCO Controls, Spears Manufacturing, and many other high profile, high volume companies.

If you would like references from any of our customers, please let us know.

Duration : 0:3:37

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I AM Printing Solutions is a well established, high volume commercial and industrial print company located in Los Angeles California. We specialize in stationery packages, catalogs, data sheets, in-house printed material and promotional literature. Our facility currently houses 12 presses including a Halm Envelope Jet Press with 300,000 2-color envelopes per day capacity. The most recent additions to our press line include a new 4 color Komori, and new 5 Color Heidelberg Perfector. Our total daily production of 4 color sheets now exceeds 750,000. We also have full in-house prepress and graphics capabilities, with all color printing supported by in-house film generation. The latest Kodak and DuPont Digital Color Proofing Systems are used to show you exactly how your jobs will look before they go to press. Any changes can be easily made at this point by our prepress specialists. Fulfillment is never a problem as we have a subsidiary mail house that handles all of our clients’ mailing needs. Whether local or international, mailing is never a problem for I AM Printing Solutions. We also ship for free anywhere in the Los Angeles area.

I AM Printing Solutions prides itself on not only our printing capabilities, but also on our customer service and solid long-term customer relationships. Our dedicated staff can review your overall printing requirements and work hard to develop a price structure that will result in sizable savings for your office, small business, or large corporation. Some of our current customers include Wells Fargo Bank, Temple-Inland Mortgage Corporation, First Southwestern Title Company, McDonald’s, Stewart Title, ITT General Controls, ITT Credit Union, ASCO Controls, Spears Manufacturing, and many other high profile, high volume companies.

If you would like references from any of our customers, please let us know.

Duration : 0:3:10

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Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification & Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy & Insolvency. Go To http://RealEstateMarketingThisWeek.com

Part 7 (Excerpt)

Beware of grandiose claims when dealing with a loan modification firm.

You know I am glad that were back, when we went to the break we were talking amongst ourselves about some of these concepts, I really want to bring this back down to the listeners. So they really understand what this means to them. You have three strategic partners, each of them experts in their field, sitting around these microphones in the studio talking about how these factors have an impact on the listening public, the people listening to this station right now.

Velocity Financial is an expert in all things mortgage related. It represents the largest asset many people have in terms of their home. What were talking about is, we know the economic pain that exists, you probably read that Arizona has the dubious distinction according to the Case-Schiller index of having the highest property value declines in the country. People are feeling some pressure here and for those people who want to consider what a loan modification might do for them, should call you and talk about what that represents.

Then from there, you can refer them to people like Mike Patenella to talk about the tax ramifications, Mike can speak to some of those items and I can talk about their overall financial planning. But to start with let’s talk about what the loan modification process really represents and who can benefit from.

We have talked about all the different things you can do with your home as a home owner, there is the loan modification and there’s several different types of loan modifications, there is the option of a short sale, which can have huge tax implications that people may not be aware of. There is the option of foreclosure, which is almost the last thing you want to do and there is also bankruptcy.

Loan modification is essentially for the person who is unable to make your payment, because there was a material change, and the change that I am talking about is your not making as much money. You may have lost your job. You have one of these mortgages that are toxic, where the interest rate has gone up significantly.

I would not buy the story from some guy with an ugly little yellow sign on the side of the road that says, hey I can help you and I have a 99% success rate with my loan modifications. That is essentially a guarantee and there is nobody in their right mind that would buy the guarantee. There are so many different types of mortgage servicers out there, literally thousands of mortgage companies out there and you cannot predict what any one of these mortgage companies is going to do.

Certainly not guarantee anyone any result. Were definitely going to try our best, thats why we use a national network of attorneys, 45 out of the 50 states have some kind of recourse involved with short sales and foreclosures, loan modifications. This is not something you can just figure out on your own and certainly dont buy into some story that there is somebody who can reduce your mortgage by 50%. Thats not going to happen, or that they have a 99% success rate, things are just not realistic.

You should know better and I know I am putting it bluntly, lets be honest. You should know better. It sounds too good to be true folks, it is. These no cost loans, these goofballs are selling on the radio, saying they don’t cost anything, let me say this, someones got to pay for it. Try walking to one of these big banks right now thats trying so hard right now to make up for some of their losses, so if anyone is offering you something that sounds too good to be true. It probably is, call an expert, call someone who knows what they’re doing, and our team has 16 years of loan modification experience. Our national network of attorneys are dedicated to getting loan modifications and work with almost every major lender, use a pro.

Now Mike, I wanted to throw it over to you to reiterate a few of these things to talk about the different options that people are looking at. The reality of it is that a loan modification, if it works is the absolute best.

That would appear to be the case. You dont want to file bankruptcy, which would be your last choice. Trying to say youre insolvent might be difficult when you factor in all of your assets, so the foreclosures and the short sales, I think those just destroy your credit. Am I right on that?

Duration : 0:6:21

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or contact me directly at 615-400-4912.

Duration : 0:2:49

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Jeff Sargent of ONB Bank discusses the difference between VA loans and FHA loans and why they are important to first time home buyers.

Duration : 0:4:4

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Amidst the Real Estate & Mortgage Meltdown; Foreclosure Fraud & Scams; Real Estates Future is Great. First Time Home Buyers, FHA Loans & Seller Paid Closing Costs. Go To http://RealEstateMarketingThisWeek.com

Part 4 (Excerpt)

Mortgage Backed Securities, Collateralized Debt Obligations and Tranches Oh My!

Now, I put the colorful title on How to Screw the Bank that Screwed You for no other reason than to get people to click on it to get the information, because frankly, a lot of people were given really bad loans, were given really bad advice, and sometimes you have to fight back.

Here is one of the things and again Ill try to make this as uncomplicated as possible. Let’s say you bought the house and you got the loan through a mortgage broker. Well that mortgage broker didnt really give you the loan. They bought that loan from a wholesaler of mortgages. That wholesaler of mortgages, in turn bought that loan from one of those big huge Wall Street banks, most of which are out of business right now.

Important thing to point out if I may, Velocity Financial is a mortgage broker, we do get our money from several wholesale banks, I just wanted to point that out because we’re glad were a broker.

Just to continue the analogy. So the broker buys it from a wholesaler, who buys it from the Wall Street bank, and like I said, most of them are out of business now. And what the Wall Street bank did with thousands of these loans worth billions of dollars, they put them all together into what is known as mortgage backed securities. That is the stuff you hear like Fannie Mae is selling and there is an interest rate put on them, and what happened to these mortgage backed securities is they in-turn were bought up by other Wall Street banks, combined with other mortgage backed securities and they were called collateralized debt obligations.

Well then these brainiacs on Wall Street decided to chop these collateralized debt obligations up into what is referred to as tranches. So let’s say you had your best quality AAA borrowers in the top tranch . And obviously your ZZZ borrowers were in the bottom tranch. Each one of them was given a specific interest rate, each one of them was rated by a bond rating firm, and each one of them was given insurance.

Well, what happens is as these got split up and sold over time the notes on the mortgages go with the debt itself. So CDO over in Bangladesh owns your mortgage now, but here is the problem, they dont have the paperwork.

So the reason I went through this whole story is in case your bank comes to you and says were going to foreclose what you want to do is go and get yourself an attorney and you want this attorney to go to this bank and say we want you to prove to us that you have standing, that they have the legal right to come after you and foreclose on you. And here is the thing, if they dont have the paperwork, if they dont have the note on the property, they cant prove that they have standing. So whether its the wholesaler, who is foreclosing on you, whether its the servicer, whoever it is, chances are very good that they dont have this note.

So again, he got a little complicated. You want to go to the website http://mortgageanswerman.com and there are several articles there, and a lovely little chart that I drew up, except that it will be much nicer than this piece of paper, and I will have all the information there. I had a friend just recently who was in foreclosure and she made the phone call, and she said, you cannot foreclose on me without the original note. Now eventually it got foreclosed on, but it delayed it several months until they were able to find that note. Chances are they may never be able to find that note.

And in many states, including Florida and Ohio they are very successful at using this tactic to stop or completely do-away-with the foreclosure sale. We dont necessarily want to encourage people to go down this path, right? Were looking for a stall essentially?

Well, hopefully no one will ever have to get to that point. But if you believe that your servicer, your mortgage company is not being nice to you. Especially if you call them up and want to do a loan modification, and they are dragging their feet, filing foreclosure and coming after you, you have to protect yourself. And this is one of the ways you can protect yourself by hiring an attorney and suing them for lack of standing

That is one of the things that I want to talk about that Velocity Financial is involved with a national network of attorneys who do this sort of work. Velocity Financial does not charge an upfront fee for these types of loan modifications, we do hire an attorney and they work with the national network of attorneys to work on your behalf. They do charge a retainer, of course, if they are going to fight for you they need to be paid, however, there are no upfront fees…

Duration : 0:6:36

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Colin Andrews Egbert, CEO of www.realestateinvestor.com/ , talks about the Power Team, a group of individuals put together to help you out with everything from wholesale to rehab, and even law.

www.realestateinvestor.com/

Duration : 0:2:34

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PEER TO PEER LENDING MAYOR SHIRLEY FRANKLIN
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Duration : 0:2:25

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Videos: To find all 4-videos, visit my channel at michaelciavarini then look for videos titled How To Sell My House – Part 1, 2, 3 and 4 respectively.

Here are all 4 Video links:
Part 1 – http://www.youtube.com/watch?v=keGz0V5dNAI
Part 2 – http://www.youtube.com/watch?v=lMm8Wb90jlc
Part 3 – http://www.youtube.com/watch?v=yKlBztmas6c
Part 4 – http://www.youtube.com/watch?v=a9qO9CKHNIg

Part 2 – describes the Mortgage Broker, their role, why they fail and their limitations. This is about the Mortgage Industry. Very interesting.

Michael Ciavarini a Certified Mortgage Planner creates a 4-part video expose on how to sell your house in 2010. This is ground breaking information you must have and will not find anywhere. Michael says the current system as is will fail you.

Watch each video in order and to their end. Call or email me with question. I invite your feed back. Please rate and comment. If you want me to help you sell your house, to work with your realtor or appoint a realtor who I have trained I will do that. Call me at (508) 662-5381 or email at mikec@bostonmortgageplanner.com.

Michael Ciavarini is a radio personality and has been interviewed by WBZ TV 4 News in Boston. He is a Certified Mortgage Planner in Boston Massachusetts. Subscribe to his YouTube channel and follow his blog at http://BostonMortgagePlanner.com.

Thank you.

Duration : 0:5:26

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