Michigan Today — Home And Health Care

Real Hope and Change

Archive for the ‘Mortgages’ Category

Tapping 2011 World Summit – Startling New Health Discoveries

Monday, February 7th, 2011

A must see science health video below:

It’s the fields (the spirit) and the invisible forces (the divine matrix)
not your genes or DNA that control your thoughts. Understand this
and you can use your mind to change and heal yourself. Your creative
conscious mind and your programmed subconscious mind programs
your ability to shape your biology, relationships and life. They both
work in tandrum whether positive or negative.

“Stanford, California — Startling new discoveries have found a major
flaw in what was once considered a central dogma in biology. Ever
since the days of Charles Darwin 150 years ago, science and medicine
have been grounded in the belief that we are “programmed” by our DNA
– and that our genes cannot be changed.

The long-held belief that genes control the cells of the body has been
established in all the science textbooks. As such, genes presumably
determine the course of one’s life … and we, human beings, are
“victims” of our heredity and the genes we were born with.

However, Dr. Bruce Lipton, a world-renowned leader in cellular
biology and quantum physics research, and bestselling author
of The Biology of Belief, has shown that dogma to be a medical
myth. He has proven that our environment — not our DNA –
shapes the development of our cells.

Dr. Lipton discovered that we have “epigenes” that attach to
our cells and have control over and above the regular genes
(DNA) inside our cells. These epigenes change how our genes
are expressed, which then changes our cells.

Dr. Lipton’s experiments revealed that DNA responds to
signals from outside the cells. Electromagnetic signals that
are produced by our senses, thoughts, beliefs, and emotions
as we experience the world send “messages” that reach the
cells. As we constantly adjust to our environment in our mind,
so do our cells.

These discoveries are being hailed worldwide as a major
breakthrough which proves that our bodies can be changed
as we retrain our thinking. These findings fundamentally alter
our understanding of life. Since we can change our cells b
changing our mental states, we can change our biology
… our health … and our lives.

The science of epigenetics makes spontaneous remission
from disease (including cancer) possible.

In one of Dr. Lipton’s most important experiments, he proved that
when he took a “sick” cancer cell from a “sick” body, and
transferred it to a healthy environment, the cell recovered quickly
and behaved normally.

While working at Stanford University’s School of Medicine between
1987 and 1992, he found that changing the environment of cells
made certain genes “turn on or off.” This then altered the cell’s
composition, its traits and its behavior.

In a must-see 32-minute video, Dr. Lipton reveals in easy-to-
understand terms how the mind has ultimate power over the body
– and that your mind, not your genes, control the life of your cells.

“Psychologists tell us that 70% or more of our thoughts are negative
and redundant,” Dr. Lipton says. As such, on any given day, 70% of
a person’s thoughts are jeopardizing his or her health as a result of
negative programming instilled during the last half of fetal development
through the age of six.

Here are just a few of the eye-opening revelations Dr. Lipton presents
In the F*R*E*E video:

==> How to Reprogram Your Unconscious Mind — Learn how to bypass
the conscious mind and install new, empowering programs in your
subconscious mind, which is an information processor a million times
more powerful than the conscious mind

==> How traditional allopathic medicine and conventional (Newtonian)
physics limits our ability to heal our bodies — whereas quantum physics
expands our innate healing power.

==> How to use a simple, but revolutionary therapeutic technique to
activate superlearning
==> How your unconscious beliefs and childhood programming coul
have a negative impact on your health — here’s how to reverse thei
hazardous effects

==> Why positive thinking can never create changes in your health
or your life unless you do this one thing.

Watch the video today by going to:

http://www.thetappingsolution.com/cmd.php?Clk=4132601

Note: This video is part of the F*R*E*E Tapping World Summit Video series
being released over the next few days leading up to this enormous event starting
on Feb. 21, 2011. (Last year over 100,000 people attended this event online.)”

FHA’s Role In This Economy

Saturday, February 5th, 2011

     FHA is stimulating this economy as it was

designed to do by encouraging lender’s to lend money to

new homebuyers and also to homeowners needing to

refinance within this recession.   FHA was created

back in the 1929 depression and its specific job is

to insure conventional type mortgages should a

homeowner ever default on his or her mortgage.

With insurance, lenders are more willing to lend money

if they have government backed insurance.   This way

the banks and investors who back the loans are not

risking all of their money.   With a clad-tight guarantee,

banks can package and sell loans to the secondary

money market to free up more cash so they can lend

again.

     To qualify for a FHA mortgage, the prospect must

be wanting to purchase or refinance a primary residence

that will be owner occupied.  Each bank or lender has

slightly different rules, but it is possible to buy a home

with 3.5 percent down.  This is an incredible deal in

that under normal circumstances one needs 20% down.   

If you listen to new banking rules and legislation currently

being proposed to prevent any future housing market

meltdown, the powers to be are suggesting 30% down.

In this scenario, one would need to save and verify that

one has $30,000 to purchase a one hundred thousand

dollar home versus FHA’s generous offer of only needing

$3,500 to buy a one hundred thousand dollar home.

Without FHA, the American Dream is going to be out of

reach for many potential homeowners.

     There are also some other provisions required when

applying for a FHA loan.  One’s FICO score needs to be

above 580 and one needs to be able to verify income.

It is easier to qualify if one has a steady job versus one

who claims to be self-employed.  

     The amount of money one can borrow depends on

one’s area.   FHA loans are determined by the median

sales market range of the particular area in which one’s

live.  So the rule of thumb is that the loan allowed can be as 

much as 125% percent of the median sales price for your

city or state.

     Lending is up over 26% in states like Hawaii, North Dakota

and Delaware.   The reason simply being that their unemployment

rate is much lower than the overall national unemployment

figures.    Michigan’s unemployment rate is over 9% with actual

numbers closer to 19%.  One in eight homes are currently in

foreclosure.   So if you have fairly good credit and can prove

income along with some savings, you may be able to get a lot

of house for little down by applying for a FHA loan.  The only

better deal is the VA loan for anyone who has served in the

military.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

Hotline: 1.800.826.1929

How Lenders Structure Loan Modifications

Tuesday, February 1st, 2011

Have you ever wondered how exactly
lenders structure loan modifications? As
a person who helps homeowners obtain
loan modifications, I am always interested
in how banks determine:

A. Who qualifies for a loan modification
in regards to their gross income,

B. New Interest Rates,

C. New Mortgage Payments,

D. How taxes and hazard insurance
is figured with regards to escrow
payments,

E. and Why some people have
principal mortgage balances reduced
and others do not.

The servicing companies/lenders do use
mathematical formulas when modifying a
loan. In fact, the HAMP* program although
controversial in terms of its success in lowering
the foreclosure rate within the United States
has helped to set a standard for figuring
mortgage payments and interest rates.

    The standard is as follows:

First, many banks multiply one’s gross income
by 31% and then subtract monthly homeowner’s
taxes and insurance from the given amount. This
is considered the targetted monthly mortgage
payment. This makes sense because one shouldn’t
pay over one third of one’s pay to any
mortgage. (This is a conservative “rule of thumb.”)
People really get into trouble when their
mortgage and rent payments are above 50 percent.

Next to calculate a new interest rate, the lender adds
to the loan balance any back payments that are owed
and interest or escrow advances owed. The interest
rate is then lowered in small increments (.125) until
the target monthly rate is reached or all the way down
to a 2% rate. If the target monthly rate cannot be
reached then the mortgage loan may be extended for
40 years.

Another possibility to reach the target monthly rate
without having to extend the length of the loan is by
reducing the principal balance of the original loan.
HAMP does have guidelines to follow for reducing the
principal balance. Guidelines could include hardship,
assessed value (how far “underwater”), investors’
instructions whom back the loan, the number of months
in default, gross income, debt to income ratios, and other
mathematical formulas. Only 10% of the people who
have thus far received a loan modification have had
their principal reduced. So, the guidelines for a principal
balance reduction are quite stringent.

At Foreclosure Prevention Institute, we do use forensic
audits to force the issue for a loan modification from
the lender. The interest rates and terms are usually
significant compared to homeowners who negotiate on
their own. We also encourage homeowners to use
an attorney to grab the lender’s attention. Time and
again we see homeowners losing their homes to banks
who negotiated in “bad faith.” Homeowners don’t
know their rights or how to begin to “fight” back to
save their home from foreclosure. It has even been
hard for us since T.A.R.P. money has been stripped
away for principal reductions in many states.

Stopping foreclosure is difficult and has a definitive
legal timeline, so requires professional help for
successful outcomes. If you have a question(s) about
foreclosure or need a referral to an attorney, please
call Foreclosure Prevention Institute, LLC. Foreclosure
Prevention Institute’s hotline is 1.800.826.1929. Ask
for Dave Brigle, Managing Member. He has 35 years
experience in the foreclosure market and real estate
industry. He’s also a retired state appraisor, mortgage
company owner, and passed licensed real estate
salesperson. He freely provides information
regarding his experience with foreclosures and
evictions for those who call and ask. He cannot help
you unless you call him at 1.800.826.929.
Dave Brigle, Managing Member

Foreclosure Prevention Institute, LLC

271 Viking Dr
Battle Creek, Michigan 49017

1.800.826.1929

brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

*HAMP = Home Affordable Modification Program

Forensic Audits & Loan Mods

Landmark Foreclosure Case

Monday, January 24th, 2011

Landmark Foreclosure Case in Massachusetts  

     One in 35 homes in Western Michigan are expected

to be foreclosed upon in 2011.  So the rate and number

of foreclosures this year is going to be huge and massive,

especially since banks have had to delay foreclosures due

to problems in showing proof of title.

     Through various lawsuits involving the “right to foreclose,”

it’s been shown that banks have been very sloppy in assigning

mortgages correctly.   Courts, attorneys and judges like in the

State of Massachusetts are finally understanding the

securitization of mortgages and ruling in favor of foreclosed

homeowners since many notes (mortgages) were not secured

correctly…the banks in their haste to sell notes circumvented

procedures required to  legally protect the chain of title.

     We are asked by homeowners in foreclosure if they

need an attorney.  Our response is usually, “Yes,” due

to this issue alone.  Attorneys bring clout and

can easily circumvent the servicing departments

and go directly to the banks’ legal departments.

Key decisions and authority is at this level when

negotiating loan modifications and settlements.

     Sure some homeowners can obtain loan modifications

on their own from their lenders, but our experience shows

that most are not lucky enough to obtain loan modfications

on their own for numerous reasons.  Bottom line is that banks

do not like to lose a dime and often use tactics to waste valuable

time needed to save a home from foreclosure.

    There is also the question of broken or clouded title, and this

can be complicated and messy and as I said is only now being

addressed through State courts with a lot of “legaleeze.”   All

investors of foreclosures and homeowners in foreclosure need

to be wary of the evolving court decisions and rulings.  Many

homeowners may have unsecured mortgages.  In theory,

homeowners could possibly get rid of mortgage debt through

bankruptcy or through quiet title and as a result own their

home free and clear.   On the otherhand, an investor could

lose their investment by having to give back the foreclosed

home to the previous owner.   Of course, this will probably

require a legal “fight.”

      When hiring an attorney it is important to know their specialty.

Not all attorneys understand foreclosure.  Almost all are willing

to do a loan modification if one is 1 to 3 months behind in

mortgage payments, but if one doesn’t fit this mold

rarely is anything done especially if not a student in

the arena of foreclosure.   Foreclosures also require

a lot of time and energy and may not be that profitable

for an attorney.   I do encourage homeowners to set-up

an escrow account to put away mortgage payments

if one wants to save their home and if their mortgage

company is no longer accepting payments.   This way when a

settlement is reached, the homeowner will have some

money to bring to the “table.”   Remember, banks only understand

money! 

     Call Foreclosure Prevention Institute today for attorney referrals

or to answer any nagging question regarding foreclosure.  Foreclosure

Prevention Institute’s hotline is 1.800.826.1929.  Talk to a “live” person. 

Dave Brigle, Managing Member
Foreclosure Prevention Institute
271 Viking Dr
Battle Creek, MI  49017
1.800.826.1929

Credit Solutions & Debt Relief

Modify Home Loan To Survive Financial Tsunami

Wednesday, January 19th, 2011

Homeowners nationwide are desperately trying
to modify their home loans to survive the coming
financial Tsunami. Although the Stock Market is
making a rebound, I need not remind people on main
street that 2010 was simply disastrous for many
and 2011 looks even bleaker.  The debt ceiling
hit 14 trillion and is growing and compounding daily.
2.87 million homes foreclosed and an increase in
foreclosures is expected for this year.

Oil, food, cotton, gold, and silver are all up while
the value of the dollar is sinking with shudders of
the dollar being replaced by a different world
currency. If this happens, hyper-inflation will
occur and we will all be standing in bread lines.
43 million Americans are already on food stamps.

Forget looking for a job with decent pay…there are
few jobs to be had.   Government numbers tell us
that unemployment has dropped, but mostly
since people have just given up.  America no
longer manufacturers anything since corporate
America is moving out of the country.  Case in point,
Steelcase in Grand Rapids (a large office furniture
manufacturer) just announced it is moving to Mexico.

We don’t have to produce we only need to service at
minimum wage.   I was forced to retire from teaching
and now work for a great tax service to help fill Uncle
Sam’s coffer.   It’s easier to join than to protest.
Politicians want to “herd us” like cows to slaughter.
We just are not smart enough to make any decisions
about our healthcare or future.  Anyway, it is our
duty to work to make as much money as we can to
give it all back in the form of taxes.   The motto is
“We need to spread the wealth around,” and if your
55 or older just fade away – your of no “real” use.

So in essence the Powers-to-be don’t really care about
“the Individual” and his/her pride. Nor do they want to
listen to what we, the tea partiers, think or have to say.
Rush, Hannity, Savage, and Palin are all threats to
the socialistic ideology and agenda.  To do anything
different would only ruin the masterplan. 

If you want to survive the next couple of years, it is
imperative to get out of debt, buy precious metals,
store food and water, purchase goods that will be
valuable and tradeable.   If you can, refinance your
home or modify your loan if it makes good
financial sense.   The good news is that interest
rates are at all time low, but not for long.

Call Foreclosure Prevention Institute, LLC’s
 hotline  at 1.800.826.1929 and get started today
on a real Loan Modification. We fight for you!

Foreclosure Prevention Institute, LLC
Dave Brigle, Managing Member
271 Viking Dr
Battle Creek, MI 49017
Service nationwide and especially in
Michigan

brigle@appraisaloffice.biz
http://ForeclosurePreventionInstitute.com1.800.826.1929

Forensic Audits & Loan Mods

Loan Modification|Reduce Debt|Stop Foreclosure

Thursday, January 6th, 2011


Get A Loan Modification Today!
Call Hotline 1.800.826.1929

Loan Modifications may help homeowners’ keep
Their homes by reducing debt and stopping
foreclosure as we face hyper-inflation in 2011.
Happy New Year!

Today our national debt reached $14 trillion
dollars, and inflation has increased by 26.9%.
Bankruptcies and foreclosures are up. 42 million
people are now on food stamps with many
currently living in shanty towns or tent cities
not yet within the general public sight.

Gold is trading over the $1,400 mark and is
predicted to reach between $5,000 and $6,000
within the coming two years. Gas, oil, cotton,
commodities, and other precious metals such as
silver and copper are skyrocketing at record
levels as well. Interest rates will be climbing
soon. Gasoline is over $3.00 a gallon and will
possibly reach $6.00 by the end of this year.
46 States are financially in trouble and are
warning their citizens that hard decisions are
going to be made.

Unlike the Federal Government, State
Governments cannot print money to balance
their debt which is in the billions.

Why are we in this position? It’s because
Congress has tried to spend or “inflate” the
debt away while continually the debt ceiling
level year after year. We as a nation, overall,
spend more money than we generate in terms
of the gross national product. We don’t have
jobs especially manufacturing jobs, because
our country has the highest corporate tax
structure in the world. It is simply too
expensive for new businesses or manufacturers
to do business in the good old U.S.A..

The economic climate is currently anti-business.
We are being regulated and taxed to death –
just note the number of bills and laws passed by
California just this past year alone. If one wants
to generate income, one has to take classes, pass
exams, pass policies and procedures, pay a fee to
get a license, buy health and auto insurance, and
continue to take on-going life-long learning
classes before making a dime — how do you do that
when initially unemployed?

Our government officials like Timothy
Geithner, and most US citizens are in denial.
The stock market is currently bullish, but there
will soon be a severe correction when the world’s
reserve currency changes from the dollar to
perhaps the Bancor (a new global currency). Do
you remember President Clinton calling
for a new world order and President O’bama
telling us that we need “to spread the wealth
around?” Well, as I speak, shops and businesses
in Texas, on the Eastern seaboard, Canada,
Germany, France, the Middle East, China, Japan
and Mexico are putting up store-front signs
indicating that they are wanting to trade and
exchange currency in anything other than
the dollar. Our friends and enemies like the
Euro, Yen, Pesos,and Gold — not the dollar.

What can you do to protect yourself? It’s getting
late, but start getting your own house in order.
Buy food, water, ammo, and a plot of land out
in the country for escape and so you can grow
your own food in the coming days of chaos. Also,
reduce your debt and save as fast as you can.
Pensions, 401K’s, and Social Security will be
stripped away to pay-off the debt. It’s not a
pretty picture to paint, but the signs are all here:

  1. Prisoners are being released
  2. Gambling is legal
  3. Having an ounce of marijuana is no
    longer a felony
  4. Buildings are being sold
  5. Companies are being bailed-out
  6. Bars are closing
  7. Our borders are open
  8. Cities and neighborhoods are becoming
    ghost towns
  9. Green rivers
  10. Massive bird and fish kills
  11. Earthquakes
  12. Severe weather patterns
  13. And the list goes on!

Yup, I’m a nut case and a worrier — but the truth
will be told. Just ring in this “new” year.

Reduce principal and interest rates today!!!

Call 1.800.826.1929 for a “real” loan modification!

Dave Brigle, Managing Member

Foreclosure Prevention Institute, LLC

(Nationwide Company)

271 Viking Dr
Battle Creek, Michigan 49017

brigle@appraisaloffice.biz

Reduce Debt and Stop Foreclosure With
A Loan Modification

We will fight for you!

http://ForeclosurePreventionInstitute.com

Credit Solutions & Debt Relief

Obama’s Mortgage Relief Program Needs Help

Thursday, December 23rd, 2010

The government on Wednesday, January 22, 2010, reported that
more than half of the homeowners who applied and/or received loan
modifications through Obama’s foreclosure relief program are falling
out of the program at record numbers. About 1.4 million homeowners
applied.

Homeowners are given a chance to keep their homes by providing
lower mortgage payments on a trial basis. However, the program
has failed to convert them into permanent loan modifications.
30,000 borrowers received trial modifications in November, and
26,000 borrowers received permanent modifications in November as
well. Foreclosures have fallen as well, but that is temporary.

Some of the Big Lenders are having to redo foreclosure procedures
and paperwork to recover from the massive fraud conducted by the
robo-signing fiasco and/or mishandling of paperwork submitted to courts
across the nation.

One of the reasons for homeowners falling out of the government
relief program is due to loss of paperwork by either the lender or
homeowner. Personally, I know of homeowners who have had to
submit paperwork 3 or 4 times in attempting to get a permanent
loan modification. The documents get lost in the banking
department shuffle or the process is so slow that the financial
documents need to be updated or resubmitted.

Another reason is that homeowners lose their homes because
the foreclosure/legal department is separate from the loan
modification department. Homes are foreclosed before the
loan modifications are completed.

I also speculate that many homeowners who apply for loan
modifications are without jobs/income to support the
mortgage payments or do not act fast enough. To be
accepted into the program, the accepted policy is that the
homeowner can only be 3 months or less behind in their
mortgage payments and do need some sort of job or income
to qualify. I know of several homeowners who go through
a grieving process of denial and helplessness. They just
give up.

This whole relief program involved a 54 billion ear-marked package.
Today, 729 million dollars has been spent which surely excites the
banking industry and Congress as well…both being bedfellows.
The whole system is designed so the banks don’t lose money. Servicing
companies and banks make more money foreclosing than they do in
helping homeowners keep their homes.   The subprime loans are
were insured by the government. Homeowners pay insurance (pmi)
until they have an 80% loan to value ratio.

Whether you are a homeowner or not, you the public lose either
way. Homes are continuiing to lose value, foreclosures will continue
to rise, and we can be assured of higher taxes and fees in this deepening
recession.

If you have experienced mortgage fraud, need a loan modification, or
have been denied in the Hope/Relief Government Foreclosure Program
call ForeclosurePreventionInstitute, LLC for more information or for
a free evaluation or real solution, call the hotline: 1.800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
1.800.826.1927
brigle@appraisaloffice.biz
http://www.ForeclosurePreventionInstitute.com

Forensic Audits & Loan Mods

Waiting Period After Foreclosure

Friday, December 17th, 2010

     I am asked this question, every week from people who are facing

or who have experienced foreclosure, “How long will I have to

wait until I can get a mortgage loan?’  As of October, 2010, the new

waiting period requirements are 7 years.  There may be exceptions to

the waiting period for extenuating circumstances.  Then it is

3 years, but there will be additional requirements after 3 years

and up to 7 years.  The requirements include:

1.  90% LTV ratio or maximum per the elegibility matrix (whichever is lesser)

2.  Purchase, principal residence

3.  Limited cash-out refinance, all occupancy types

Fannie Mae’s policies are fully described in the selling guide,

B3-5.3-08 involving derogatory credit.   People are supposed to be

treated better if they have previously tried to prevent foreclosure

such as selling their home, obtaining a short sale, or obtaining

a deed-in-lieu of foreclosure.   A deed-in-lieu of foreclosure,

preforeclosure sale, or a short sale may reduce the wait time to

2 to 4 years.  So it is important to try to work with your lender to

avoid foreclosure.

     Bankruptcy involving Chapter 7 or 11 is usually 4 years.

Bankruptcy involving Chapter 13 requires 2 years from the

discharge date or 4 years from the dismissal date.   If there

are extenuating circumstance the waiting time may be

reduced to a 2 to 3 year waiting period.   One other comment

involves paying on time.  One who has a “ding” on their

credit will need to be very vigilant on making payments on

time.  One late payment on a mortgage or credit card may

immediately increase the waiting time to refinance or

purchase for 1.5 more years from the date of the

last late payment.   It is all about the risk factor and today

no one wants any risk when lending money.   Money is

really tight due to these economic and wreckless spending

times and policies by Congress.

     If you need help with preventing foreclosure, call

Foreclosure Prevention Institute, LLC today at

1.800.826.1929.

Dave Brigle, Managing Member

Foreclosure Prevention Institute, LLC

271 Viking Dr

Battle Creek, MI  49017

800.826.1929

brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

http://ForeclosurePreventionInstitute.com

Saving America!

See Santa’s Gift For O’bama

Thursday, December 16th, 2010

Be Sure To Open and Sign This Special Christmas Card

It’s To President O’bama!

From All Of Us –

Small Businesses,

American Big Businesses,

Conservatives,

And Santa Claus too!!!!!

JCLeads and Foreclosure Prevention Institute, LLC  800.826.1929

Useful Information For Your Safety

Wednesday, December 15th, 2010

You might want to check out the neighborhood where you own or
intend to purchase a property.

David Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
http://ForeclosurePreventionInstitute.com
brigle@appraisaloffice.biz

Some useful info

Just type in a street name & your whole neighborhood
map will pop up. 
Every place you see a red balloon or thumb tack is the
home of a convicted felon.

Just place your mouse over an icon & not only will the
name come up, but also the crime they were convicted of. 

Share with your friends . . . safety first.

http://www.felonspy.com/search.html

Credit Solutions & Debt Relief

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