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  • 01:22

    SUPER CONFORMING LOAN

    in Real Estate

    Freddie Mac offers a Super Conforming Mortgage Loan Program. Learn how it works, how to qualify for it.
    Mortgage Rates, and Mortgage News all here on Mortgage Talk1 hosted by Rick Montgomery

  • 01:57

    "GET A BANK LOAN WITHOUT COLLATERAL"!

    in Women

    Professor Muhammad Yunus never wanted to be a banker and he certainly never imagined winning the Nobel Peace Prize. Yet his quest to help the working poor invest in themselves led to both. Known as the father of microcredit, Yunus spent years developing the Grameen Bank in Bangladesh, and in 1983 it became a fully licensed bank with a twist-it was owned by its borrowers-mainly poor women, and its mission was to eradicate poverty, not make a profit. Yunus is famous for saying that in developing Grameen he deliberately did the opposite of what a conventional bank would do. Today, the success of Grameen Bank has changed the lives of 7.5 million Bangladeshi borrowers and their families.


    Now brining his bank to America, Grameen America opened for business in a nondescript office building in Jackson Heights, Queens in late 2007.


    This is a non-collateral lending bank, and Gayle Ferarro will be in the studio to tell us all about Grameen Bank and how it works.   Tune in this Friday, and learn all about Grameen Bank.


     


    In the studio with me will be my Co-Host Sybil Marie Presley, and my radio personalities Sharon Coleman, Larone Woodard, and Rev. Douglas Martin.


    Dial into the show and speak with my guest and ask questions, or tell us your comments. 


    SHOW DIAL IN# 1-646-200-3422, and press 1


    OR...Listen online:  www.blogtalkradio.com/theemilypearlsshow


    The "chat room" will also be open.


     


     

  • 01:16

    College Grad Special Mortgage Loan Program

    in Real Estate

    I'll you how this program works for our over debt College Grad to get the American dream.. News, some music...

  • 00:33

    THE DAILY COMPLAINT (SPS/INTEREST ONLY/LOAN MODIFICATION/MORTGAGE FRAUD/RIGHTS)

    in Finance

    TODAY'S SPOTLIGHT:


    SELECT PORTFOLIO SERVICING INTEREST-ONLY MORTGAGE LOAN MODIFICATION INCREASED MORTGAGE FRAUD BREACH OF CONTRACT AMORTIZATION SCHEDULE CONSUMER RIGHTS QWR


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:33

    THE DAILY COMPLAINT (NATIONSTAR MORTGAGE/LOAN MODIFICATION TRIAL/MHA HAMP HELP)

    in Finance

    TODAY'S SPOTLIGHT:


    NATIONSTAR MORTGAGE LOAN MODIFICATION TRIAL PERIOD PLAN (TPP) PERMANENT MODIFICATION PROCESS MAKING HOME AFFORDABLE HOME AFFORDABLE MODIFICATION PROGRAM HELP RIGHTS


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:34

    THE DAILY COMPLAINT (CALIBER HOME LOANS/LOAN MOD RUNAROUNDS/LIES/FDCPA/CFPB/MHA)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS FROM BANK OF AMERICA LOAN MODIFICATION RUNAROUNDS STRONG PROTECTIONS FOR STRUGGLING BORROWERS CFPB FDCPA RESPA MHA CONSUMER RIGHTS HELP


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:23

    Financial elder abuse overview under California law

    in Legal

    Introduction


    Financial elder abuse is on the rise in California.  People are living longer due to advances in science, medicine, health, fitness and nutrition.  At the same time, "seniors" (those over 65 years of age - which is still relatively "young" if you think about it) are some of the sole survivors of the "mortgage meltdown" and they are oftens the victims of financial fraud and "elder abuse."  This husband and wife podcast discusses what elder abuse is, how to spot it, and the types of legal claims we handle as a California financial elder abuse law firm.


    Common perpetrators of financial elder abuse 


    1.  Attorneys (these professionals are in a position of "trust" and "confidence" and can unduly influence, coerce,  misinform and cause seniors to make very bad financial decisions that can affect real estate, and stock portfolios).  Attorney malpractice is another common claim in this area.  We have seen "counseling" that has resulted in the loss of substantial equity in residential and commercial real estate estate.


    2.  Car dealerships (Car dealerships can try to "steal your trade" or engage in "bait and swtich advertising" or sock you away in a car loan that


    3.  Friends


    4. Insurance


    5. Family (kids who see their parents as easy targets).  


    6.  Mortgage brokers (lenders and loan officers can sock a senior away - and take exorbitant loan fees - to steer an elder into an unconscionable predatory loan (ex. a negative amrotization or "option arm loan") or fail to advise as to the advisability (or non-advisablity) of a reverse mortgage.  These fees can be "taken" in bad faith resulting in serious daamges to an elder.

  • 00:34

    THE DAILY COMPLAINT (CALIBER LOAN/RESCINDED LOAN MOD/SALE DATE/FORECLOSURE/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS RESCINDED MORTGAGE LOAN MODIFICATION WITH UNKNOWN ERROR FALSE DENIALS WRONGFUL FORECLOSURE STRONG PROTECTIONS FOR STRUGGLING BORROWERS CFPB


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:28

    Freed From $103,000 in Student Loan Debt

    in Motivation

    Tim Otis and his wife are doing their debt free Happy Dance because they've sent off the final payment of $103,000 in student loans. Tim join us on the Midday Money Show to talk about the reason behind the dance moves. He really opened up and let us behind the scenes of a very personal journey that inlcuded ups and downs, tensions, and job loss. Who ever said the journey out of debt was a straight shot?


    Debt freedom is, however, doable.


    Just ask Tim and his wife. Better yet, tune into his story and be inspired! You can find the show notes with all links mentioned at www.debtfreedivas.org.


    "Why are people so okay with debt?" ~Tim Otis

  • 00:10

    Alvarez v. BAC Home Loans case overview

    in Legal

    Loan Modification Negligence


    When you are trying to fight for your home in the loss mitigation loan modification process, it is no laughing matter.  You are submitting the documents being requested and hoping you will not be "dual tracked" by your loan servicer who is usually servicing your loan on behalf of an often unkown securitized loan trustee, and you wonder if you will get a fair shake, or a real opportunity to save your home.  This real estate podcast talks about what happens when your loan servicer is negligent in handling or reviewing your completed loan modification application.


    Introduction


    One of the legal cases every homeowner should have in their foreclosure prevention toolbox is the case of Alvarez v. BAC Home Loans, LP (Bank of America).  Some of the common things that can go wrong when you submit your financial documents to be consdiered for a loan mod are:


    1. False statements by the loan servicer's representative


    2.  Claiming your documents were never received ("missing tax returns" and "rental agreements" are two common ones)


    3.  Denying you based upon consideration of false information (ex. your income or property value)


    4.  Lies about postponing your foreclosure sale


    There are other types of things that can wrong in the loss mitigation department of large loan servicers such as Nationstar, Ocwen, Wells Fargo, Citimortage, and Bank of America, but this Alvarez case is a very important case that discussed "duty" and "damages" in regard to the tort of negligence against a loan servicer.  Give this real estate podcast a listen with Attorney Steve explaining and defining these important and complex legal topics.

  • 00:59

    Conservative Underground - April 19, 2015

    in Politics Conservative

    NLRB may be attempting to "GUT" right to work laws via federal regulatory powers.


    The Lilly Pulzer / Target feasco - National Freak out & Twitter meltdown.


    Student Loan Debt - The ticking time bomb; Record high levels of debt held by borrowers and the Federal Government and how that could effect everyone.


    Boarder Security - another boarder town erupts in violence. 


    E-Mail the show at: conservativeunderground@outlook.com