Comments for Daily Properties http://dailyproperties.com Real Estate News | Mortgage News Wed, 09 May 2012 10:02:45 +0000 hourly 1 http://wordpress.org/?v=3.3.2 Comment on Octomom is Under the Magnifying Glass, However She is No Different from Other Foreclosure Victims by JohnMike http://dailyproperties.com/octomom-foreclosure-victims/#comment-3729 JohnMike Wed, 09 May 2012 10:02:45 +0000 http://dailyproperties.com/?p=6083#comment-3729 banks foreclosed on hundreds of thousands of homes; you can't tell me that every one of these families was reckless with their money; Octomom is a very poor comparison; the economy changed, people lost their jobs (I was a realtor and had to get out of the business), and banks were stuck with bad loan portfolios mainly of their own risky lending habits; yes, we each have to be responsible with our money. banks foreclosed on hundreds of thousands of homes; you can’t tell me that every one of these families was reckless with their money; Octomom is a very poor comparison; the economy changed, people lost their jobs (I was a realtor and had to get out of the business), and banks were stuck with bad loan portfolios mainly of their own risky lending habits; yes, we each have to be responsible with our money.

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Nerissa http://dailyproperties.com/harp2-harp-2/#comment-3708 Nerissa Thu, 15 Mar 2012 21:18:49 +0000 http://dailyproperties.com/?p=5684#comment-3708 My husband and I have a 7 year ARM. We were going to refinance in 2009 but obviously couldn't with everything tanking. We are able to afford our monthly payment but want to get a lower interest rate. The ARM will turn to variable starting next August 2013. It will stay fixed for a year and adjust every August. I have talked to so many companies and no one will help because we are under water. Our loan is NOT owned by Fannie or Freddie either. I believe it's owned by Deutch Bank. What do you suggest we do? Can we get some help eventually? My husband and I have a 7 year ARM. We were going to refinance in 2009 but obviously couldn’t with everything tanking. We are able to afford our monthly payment but want to get a lower interest rate. The ARM will turn to variable starting next August 2013. It will stay fixed for a year and adjust every August. I have talked to so many companies and no one will help because we are under water. Our loan is NOT owned by Fannie or Freddie either. I believe it’s owned by Deutch Bank. What do you suggest we do? Can we get some help eventually?

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Nerissa http://dailyproperties.com/harp2-harp-2/#comment-3707 Nerissa Thu, 15 Mar 2012 21:13:41 +0000 http://dailyproperties.com/?p=5684#comment-3707 I am in a 7 year ARM and the rate will adjust in August 2013. My husband and I can afford our payments but want to be locked into a lower interest rate so we don't have to deal with a variable one next year and years after. I have talked to everyone possible for the past two years and no one will help because we are underwater and our loan is NOT owned by Fannie or Freddie. Any suggestions? Can you help us? I am in a 7 year ARM and the rate will adjust in August 2013. My husband and I can afford our payments but want to be locked into a lower interest rate so we don’t have to deal with a variable one next year and years after. I have talked to everyone possible for the past two years and no one will help because we are underwater and our loan is NOT owned by Fannie or Freddie. Any suggestions? Can you help us?

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Fred Glick http://dailyproperties.com/harp2-harp-2/#comment-3675 Fred Glick Thu, 08 Mar 2012 14:15:09 +0000 http://dailyproperties.com/?p=5684#comment-3675 Vicki Call me about Harp loans. 2158524469. Vicki

Call me about Harp loans.

2158524469.

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Vicki Morris http://dailyproperties.com/harp2-harp-2/#comment-3671 Vicki Morris Thu, 08 Mar 2012 01:26:36 +0000 http://dailyproperties.com/?p=5684#comment-3671 When will HARP 2 be available? Who will offer it? In September 2011, I tried to refinance with the original HARP program but could not because the appraiser valued my condo at only $170,000 even though three exactly the same condos in my 16-unit complex had sold for $275,000 - $285,000 from April – December 2010, and there were no other comparables. I purchased my condo for $360,000 in July 2007 with 20% down 6.25% interest so currently owe about $272,000 with all on time monthly payments. Zillow values it at $235,000, and SD County Appraiser values it at $278,000. I don’t have a current lender (Citibank was original lender) because Fannie Mae owns my mortgage and Seterus services it. Neither offers refinancing. Two of the condos in my complex were financed by Chase (w/o Fannie or Freddie) and were refinanced by the bank at lower interest rates without a required appraisal. When will HARP 2 be available? Who will offer it? In September 2011, I tried to refinance with the original HARP program but could not because the appraiser valued my condo at only $170,000 even though three exactly the same condos in my 16-unit complex had sold for $275,000 – $285,000 from April – December 2010, and there were no other comparables. I purchased my condo for $360,000 in July 2007 with 20% down 6.25% interest so currently owe about $272,000 with all on time monthly payments. Zillow values it at $235,000, and SD County Appraiser values it at $278,000. I don’t have a current lender (Citibank was original lender) because Fannie Mae owns my mortgage and Seterus services it. Neither offers refinancing. Two of the condos in my complex were financed by Chase (w/o Fannie or Freddie) and were refinanced by the bank at lower interest rates without a required appraisal.

]]> Comment on What kind of credit score do you need to buy a home? Our credit is 640, can we buy? by Ginny Chin http://dailyproperties.com/credit-score-buy-a-home/#comment-3653 Ginny Chin Thu, 01 Mar 2012 02:05:00 +0000 http://dailyproperties.com/?p=3301#comment-3653 Yes you can buy a home with a credit score of 640 with our company. Email me so I can explain and get you qulaified. Yes you can buy a home with a credit score of 640 with our company. Email me so I can explain and get you qulaified.

]]> Comment on Comparing Canada and United States Housing Finance Systems – Some Interesting Facts by Real Estate Agents Jokes - Realtor Jokes http://dailyproperties.com/canada-united-states-housing-finacing/#comment-3611 Real Estate Agents Jokes - Realtor Jokes Mon, 20 Feb 2012 15:13:38 +0000 http://dailyproperties.com/?p=5704#comment-3611 [...] father and best friend things I should doHowever I give people the dream of owning a home ! The American dream!But in reality as a Realtor I push a lot of paper, and drive a lot of people around. My day is [...] [...] father and best friend things I should doHowever I give people the dream of owning a home ! The American dream!But in reality as a Realtor I push a lot of paper, and drive a lot of people around. My day is [...]

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Melissa Greene http://dailyproperties.com/harp2-harp-2/#comment-3566 Melissa Greene Tue, 07 Feb 2012 17:01:57 +0000 http://dailyproperties.com/?p=5684#comment-3566 I have tried several months now to get PNC to correct my annual homeowners insurance, PNC has my annual insurance for $1,022.00 I have documents stating my annual insurance is $847.50. The adjustment would reduce my monthly mortgage payment but cant seem to get anyone interested enough to listen they just keep taking from my escrow, My mortgage payment went from $407.00 monthly to $518.00. I was approved for the Home stabilty hardship program then denied because I MADE my house payment. I couldnt get anyone to listen or do anything for me, I applied again for the hardship program and was told NOT to make any payments until I here from my personal point of contact person, since then they are threatining me with foreclosure. I DO NOT want to lose my home. Who can I turn or talk to without going thru several people to get the right answer to save my home! I have tried several months now to get PNC to correct my annual homeowners insurance, PNC has my annual insurance for $1,022.00 I have documents stating my annual insurance is $847.50. The adjustment would reduce my monthly mortgage payment but cant seem to get anyone interested enough to listen they just keep taking from my escrow, My mortgage payment went from $407.00 monthly to $518.00. I was approved for the Home stabilty hardship program then denied because I MADE my house payment. I couldnt get anyone to listen or do anything for me, I applied again for the hardship program and was told NOT to make any payments until I here from my personal point of contact person, since then they are threatining me with foreclosure. I DO NOT want to lose my home. Who can I turn or talk to without going thru several people to get the right answer to save my home!

]]> Comment on Consumer Beware – Dual Agency Greed Will Only Hurt the Seller. Make Sure Your Real Estate Representative Is Publicizing Your Home Listing. by Ken Brand http://dailyproperties.com/dual-agency-brokerage-firms/#comment-3547 Ken Brand Wed, 01 Feb 2012 15:34:28 +0000 http://dailyproperties.com/?p=5673#comment-3547 I imagine all markets are different. In our market, Houston, which is a very good market, Zillow, Trulia, Realtor.com do NOT have an impact on sellers achieving Top Dollar, fewer days on market or multiple offers. Those factors are driven by local market conditions, current market conditions and the expertise of the listing agent. imo. I imagine all markets are different. In our market, Houston, which is a very good market, Zillow, Trulia, Realtor.com do NOT have an impact on sellers achieving Top Dollar, fewer days on market or multiple offers. Those factors are driven by local market conditions, current market conditions and the expertise of the listing agent. imo.

]]> Comment on HARP 2, Help For Homeowners Who Are Underwater: Interview with CEO Fred Glick of U S Loans Mortgage LLC, U S Spaces, Inc & and on the Board of Directors of NAIHP.org by Mike Cardace http://dailyproperties.com/harp2-harp-2/#comment-3546 Mike Cardace Wed, 01 Feb 2012 12:55:05 +0000 http://dailyproperties.com/?p=5684#comment-3546 Hi, I really enjoyed reading this post. HARP 2.0 will help many homeowners who have been unable to refinance due to being underwater. I want Fred and all of you to know that CitiMortgage is committed to helping as many people take advantage of this program as possible. Hi, I really enjoyed reading this post. HARP 2.0 will help many homeowners who have been unable to refinance due to being underwater. I want Fred and all of you to know that CitiMortgage is committed to helping as many people take advantage of this program as possible.

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