10 Digit Financial Calculator comparable to TI BAII Plus but with a larger display and longer (2 year) warranty. Excellent choice for business professionals and students. Features include Time Value of Money, uneven cash flow analysis, IRR, and Net Present Value. Perfect for applications in finance, accounting, economics, investment, statistics, and more. Solves annuities, mortgages, leases, savings, and generates amortization schedules. Performs cash flow analysis. Calculates bond prices/yields, depreciation, statistics, break-even, interest conversions. 10 user memories. Hard cover included. 2 year manufacturers warranty.

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You would think this year’s Mortgage Bankers Association annual meeting would be a rather solemn affair — given the criticism the industry has endured in recent months. But our ANP reporter attending the meeting found the bankers in a celebratory mood. The reason? A massive lobbying campaign against bankruptcy reform legislation known as “cram-down” appeared to be working.

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I could use the help of potentially reworking my mortgage to be more affordable. It is possible for me to get by without doing so. If I do call my mortgage holder and rework my mortgage for a reduced interest rate or reduced principle how does that affect my credit score?

It doesnt. You will have a mortgage credit pull listed on your report which as long as you havent gone on a credit pulling spree wont even really calculate into your score.

Dividers are ideal for index briefs, legal briefs, mortgage documentation files and more. White paper stock dividers feature clear RipProof reinforced 1/25 cut tabs. Side tabs are printed with Avery Style (Helvetica Bold typestyle) on both sides. Binding edge is unpunched so indexes can fit any binding system.

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FOR IMMEDIATE RELEASE: CONTACT: K.B. Forbes (202)320-1212

Thursday, February 28, 2008 kbforbes@hotmail.com

AS HOME FORECLOSURES SKYROCKET,

MORTGAGE FRAUD HELP ARRIVES IN

SOUTHERN CALIFORNIA

EAST LOS ANGELES, CA—A leading consumer advocacy group announced free help to the thousands of homeowners in Southern California who have lost their homes, are in the process of losing their home, or believe they will lose their home in the near future due to mortgage fraud. The group is documenting cases of mortgage fraud for a report to be issued this summer in the nation’s capital and will have all cases reviewed by a legal aid team.

“Shady realtors, greedy mortgage brokers, worthless appraisers, and careless escrow companies are to blame for some of the crisis many homeowners face today,” said K.B. Forbes, Executive Director of the Consejo de Latinos Unidos, a national not-for-profit organization and public charity which investigates and educates the public about consumer fraud and abuses. “We suspect that at least one in five homeowners in Southern California has been hoodwinked by one of the key players involved in the transaction. The mortgage and real estate industry cannot claim innocence.”

Rueben Preciado, a homeowner from Moreno Valley, discovered that his supposed 30-year fixed loan was not fixed last September. “Our payment went much higher and we didn’t know why. Our loan, it turned out, was a three-year fixed and 27-year adjustable.” When he tried to refinance, he discovered that his loan included an unconscionable pre-payment penalty equal to six months of interest. He could not afford to refinance. “We are barely making it,” said Preciado, a tire mechanic who works at an auto tire store in Pomona. “I have had to borrow money from family to stay afloat and not lose my house.”

Consejo has reviewed Preciado’s case and found that he was never given final documents showing the loan change and it appears his escrow company and mortgage broker deceived him.

Consejo has set up a toll-free hotline at 1-800-474-7576. All services are free.

The Consejo, which has published ten investigative reports on hospital price gouging, religious fraud, police abuse, and pharmaceutical corporate deception, has helped spur at least three U.S. Congressional investigations and hearings. Consejo’s work against hospital fraud was profiled on CBS’ 60 Minutes in 2006. Over 500 news articles have been written about Consejo’s work since the organization was founded in 2001.

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Visit my new blog…
http://mrmortgage.ml-implode.com

Wells Fargo Subprime toxic waste exposed. Do they have to raise capital? Mr Mortgage shows a 2006 Wells rate sheet. This is hard evidence of Wells doing nasty subprime loans for borrowers with scores as low as 500 and 120-day mortgage late payments, which is essentially foreclosure status. They did not sell this directly to consumers, rather used correspondents like New Century, Accredited, Countrywide etc to rebrand the programs and sell them as their own. This is a very common practice but this just proves Wells is dirtier than most. First, because not everyone did subprime. Second, because they lied of course.

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Visions servers are configured for optimal performance, and the best part is that our servers wont require a mortgage!

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Given all the worries about credit in this country, and subprime mortgages, I was curious as to what the entire amount of home mortgage debt is. There are about 110 million households in the country, with 70% of them owned residences. Let’s say there are 75 million owned homes. Not all have mortgages, but if 70 million do, and the average mortgage amount on such homes is $200,000, that comes out to a scary $14 TRILLION of mortgage debt in the USA. If just 2% default, the amount of bad home loans is $280 billion. It could obviously be much higher.

Does anyone know what total mortgage debt is per household and in total? This is a real problem that could damage the economy.

You bring up an important question. The best data I can find on the ‘net are figures for 2003 (USA Today) - nothing newer available according to them. If that number is correct then the total mortgage debt in the US, 2003, $6.3 trillion. Some adjustments must be made for the past four years- higher, I’m sure.

Lots of bucks out there!!

also check me out on http://facebook.com/SchiffReport and http://twitter.com/PeterSchiff

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TurboTax Deluxe guarantees your biggest tax refund by finding and maximizing your deductions. Uncovers over 350 deductions including mortgage interest, charitable contributions, and more.

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