Modify My Mortgage

Why do so few Choose a Noble life What is it... That sets people Against themselves It takes more Than praise To overcome Low self-esteem A man's late night thoughts by Jim

Mortgage Market Cure Will Be Worse Than the Disease By Minyanville, June 03, 2013, 09:00:00 AM EDT Vote up ...Continue reading

It’s Not a Housing Boom. It’s a Land Grab by Imara Jones Thursday, May 30 2013, 7:00 AM EST. This article is part of topic: Economy...Continue reading

I must have Purposes In order to serve Family and myself... Some people don't Need a hand Throwing caution To the wind Modern day Fact Marriage and Love forever Or until Someone Gets bored A man's late night thoughts by Jim

Even if your Song of life Is out of harmony With others Don't let it be, unsung... Act noble-be noble Could it work I think so Can anyone Spend too much Time in search Of themselves A man's late night thoughts by Jim

US Residential Recovery Too Fast in Some Local Economies Fitch Ratings-New York-28 May 2013: Fitch Ratings believes the recent home price gains recorded in several residential markets are outpacing improvements in fundamentals and could stall or possibly reverse. Many of these areas are in California, which has seen price increases of 13% over the last year. In many markets, fundamentals are improving as unemployment rates continue declining, while low prices and low interest... rates have kept affordability high. However, especially in cities that never fully unwound the mid-2000s bubble, rapidly increasing price levels are a potential cause for concern. For example, in Los Angeles, prices are up more than 10% in the past year despite a stubborn unemployment rate that remains above 10% and real incomes that have declined over the past two years. Prices are now more than 75% above pre-2000 levels. Several factors are combining to form an environment supportive of brisk home price growth, but few are capable of providing long-term support to sustain the recent pace of improvement. Primarily, restricted supply and bolstered demand factors are bidding prices up. The demand is artificially high as borrowers remain on the side lines waiting for prices to stabilize. We believe this level of housing demand is likely to abate once the pent-up demand is satisfied. The supply is also artificially low, as recent regulations have limited the pace of foreclosure sales and the large percentage of underwater borrowers continues to hope for further price increases to be able to sell their homes at a profit. The supply-demand imbalance is even more pronounced in regional markets that are seeing strong institutional and retail bids for rental properties. The low rate and steep drop in prices, coupled with the decline in home ownership, have attracted an estimated $8-$10 billion of new capital to this sector. Many markets have a large number of buyers vying for a limited number of homes.

May 28, 2013 Prior Mortgage Payment: $1,167.50 Prior Interest Rate: 8.69%... New Mortgage Payment: $700.44 New Interest Rate: 2.19% Monthly Savings: $467 Principle Forgiveness: $13, 894 RE: Recommendation for Wendy Jones, Bradford Law Firm To Whom it May Concern: I highly recommend Wendy Jones with the Bradford Law Firm for Home Loan Modification assistance. I had a year and half run around with Bank of America trying to get a Loan Modification and got nowhere. Upon hiring Bradford Law Firm I immediately started seeing results. In 6 months we had a permanent Loan Modification Agreement with terms that are outstanding and fit my budget. Wendy Jones was dedicated to helping me, kept me informed through out the entire process and yielded excellent results. She was helpful, knowledgeable, professional and made this process very understanding. If in need contact Wendy Jones with the Bradford Law Firm. Sincerely, Nick Prust Bradford Law Firm Client

Some know Why they're wrong Yet can't Get it right... I don't live each day As my last As I would soon starve If your obituary Won't read An amazing life And you are alive Do something Amazing A man's late night thoughts by Jim

Headlines and Blogs from Around the Web These are a few news stories I review every day--- Each has a full report attached to read.... These stories are never considered news by TV news shows--- But they all have a big em-pack of every borrower and tax payer------ Wells Fargo Up on Mortgage Settlement News The market is up just a bit today, but that hasn't prevented Wells Fargo from delivering modest returns halfway through the trading day. The San Francisco bank is up 1.3% as it released news that it has helped nearly 93,000 customers as part of the National Mortgage Settlement, fulfilling almost 90% of its obligation. Investors Want to Package Efficiency Securities Like Mortgages If the 2008 mortgage meltdown did anything to educate Americans about the complicated world of finance, it was to teach them about securitization. S&P's Assurances to Investors Not 'Mere Puffery,' U.S. Says Standard & Poor’s assurances to investors that its credit ratings were free of conflicts of interest amounted to fraudulent representations rather than mere puffery, the Justice Department said. New Mass. Law Has Eased Foreclosures If the Massachusetts housing market is on fire right now, it’s only because the state has been out in the cold for so long that we've forgotten what real flames look like. Homes are moving at a nice clip in wealthy suburbs that never really felt the recession’s sting, but plenty of Massachusetts homeowners are still hurting, nearly eight years after the state’s housing market collapsed. It’s a measure of how long that hurt has lingered that optimism now springs from the fact that a somewhat smaller slice of the state remains under duress. Wells Fargo, Chase Slow Foreclosure Sales, While Bank of America Continues Wells Fargo & Co., JPMorgan Chase & Co. and Citigroup Inc. have nearly halted foreclosure sales after federal regulators revised orders on the how troubled borrowers were to be treated before losing their homes. BofA, JPMorgan Say They Have Fulfilled Mortgage Settlement Terms Bank of America Corp. and JPMorgan Chase & Co. say they have satisfied their obligations to help troubled borrowers under last year's landmark mortgage settlement with state and federal officials. U.S. Asks Federal Court to Deny S&P's Motion to Dismiss Fraud Lawsuit The U.S. Department of Justice, in a filing Monday, asked a federal court not to dismiss its lawsuit against The McGraw-Hill Companies Inc. and its subsidiary Standard & Poor’s Rating Services. Ex-Strategist Can Sue UBS as Ahistleblower-U.S. Judge UBS AG lost a bid Tuesday to dismiss a whistle-blower lawsuit by a former commercial mortgage-backed securities strategist who said he was fired for refusing to publish misleading research reports.

We are BORN Without a mask Yet erroneously Construct one Required by our... Environment And insecurities Be careful at what You succeed at It could be Worse than failure All excuses For betrayal Are inexcusable A man's late night thoughts by Jim

Search for consistency Find only Inconsistency Time changes Everything... Beware Messy home Messy mind Some women Are easy To love But hard To like A man's late night thoughts by Jim

Ladies Think subterfuge If he knows You'll chase him You'll lose ... Worse yet, you'll get used Like a computer, we must be Upgradable, to function Over time Letters give away Who we want to be Actions give away Who we are A man's late night thoughts by Jim

A Jim note-----The fed talking about a Moral hazard issue----That is like the devil worrying about moral hazards Also--------most that purchased a home last year----lost equity----good luck this year- and every homeowner loss $1700.-- Report: Foreclosures Led to Loss of $192B in Wealth in 2012 05/17/2013...Continue reading