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Tuesday, July 6, 2010

HOMEOWNERS HELPING HOMEOWNERS

THIS IS WHAT IT IS GOING TO TAKE, DEAR ONES, TO SAVE OUR HOMES. HOMEOWNERS HELPING HOMEOWNERS. WE CAN ONLY DEPEND ON GOD, AND ONE ANOTHER. FINANCIALLY, EMOTIONALLY, SPIRITUALLY, PHYSICALLY. AND IT'S GOING TO TAKE ALL WE'VE GOT.

All homeowners are encouraged to jump in, head first! Don't think too much, or you will be filled with doubt. Just decide, do you need help? If you need help, give it. Give what ever you've got. You will receive in direct proportion to what you give. That is just how things work.

You may share what help you need by e-mailing and a registry detailing the "needs" of all homeowners by state will be created. Each homeowner will be assigned a homeowner number, which will show in which state the homeowner lives, the date the homeowner made the need known, and the order in which the need came in on that particular day. Homeowner names will not be given out.

If you receive help and win your home, you give back, so others can stay in their homes. We all must start a place where homeowners can give what ever they have to give, time, money, energy, legal expertise, etc. to help all homeowners stay in their homes.

You may donate by clicking on the donate button, or by e-mailing and sharing the details of what you would like to do for homeowners. The gifts you share will be published, and the homeowner giving the gift will be assigned a homeowner number, which will show in which state the homeowner lives, the date the homeowner made the gift, and the order in which the gift came in on that particular day. Homeowner names will not be given out UNLESS A HOMEOWNER GIVES WRITTEN AUTHORIZATION APPROVING IT.

I always prefer to thank someone by name. I think it makes the entire process of giving gifts, and helping each other a much more personal and rewarding experience.   However, because the protection of all homeowners who want to offer their help or who need others help, privacy of all homeowners will always comes first.

Of course, if a professional is offering their services free of charge to homeowners on a case by case basis, such as an attorney, or a loan  modification expert, etc., definitely their names will be posted, and their services will be allowed space and acknowledgement as thanks for their tremendous gifts.

HOMEOWNERS BE INFORMED! ASK FOR WHAT YOU WANT.

HOMEOWNERS BE INFORMED!
ASK FOR WHAT YOU WANT.

• Do NOT pay any "up-front" fees
• Do NOT pay any so called "contribution payment"
• Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
• Do NOT pay ANY AMOUNT AT ALL for a loan modification
• Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
• Do NOT pay ANY AMOUNT AT ALL for a loan modification
• IF FACING POSSIBLE FORECLOSURE Ask Wells Fargo to add all your late payments to the back end of the loan
  

You are their customer, and you should be treated with dignity and respect, not as if you are "blessed by their willingness to take care of your business."

Do not settle for anything less than what you need on your mortgage loan. Now is THE time to INSIST on

1. a 4%-6% fixed interest rate
2. a payment you can afford
3. a first payment due date in 60 days to give you some time to breathe
4. a no-penalty prepayment clause
5. a bi-monthly payment option

AND

6.

EXTREMELY IMPORTANT FOR ALL CONSUMERS
if you opt to set up automatic withdrawal to pay your mortgage
SET UP A 2ND -- COMPLETELY SEPERATE -- ACCOUNT
AN ACCOUNT
NOT CONNECTED IN ANY WAY
TO YOUR OTHER BANK ACCOUNTS

THIS IS SO IMPORTANT PEOPLE!!!!

YOU WILL PREVENT BECOMING ANOTHER VICTIM
OF YET ANOTHER INFAMOUS, GREEDY
PREDATORY LENDING INSTITUTION'S TACTIC

BANKS ARE DUPLICATING WITHDRAWALS
'inadvertently' (yeah, right)
CREATING MULTIPLE UNAUTHORIZED CHARGES
AND ENDLESS NIGHTMARES FOR INNOCENT CONSUMERS.

MAKE SURE YOUR BANK WILL NOT
COVER ANY CHARGES ON THIS ACCOUNT
TELL YOUR BANK NO
TELL THEM WHY
SO THEY DON'T JUST DO IT
'AS A SERVICE'
TO YOU THEIR VALUED CUSTOMER
BLAH, BLAH, BLAH

THIS IS SO IMPORTANT, HOMEOWNERS HAVE BEEN LOSING THEIR ENTIRE SAVINGS DUE TO THIS PREDATORY TACTIC SO PLEASE BE CAREFUL.

DO NOT/DO NOT/DO NOT

authorize any bank to transfer funds from your first account to cover the 2nd account if it would overdraw for any reason.

A few days before your mortgage payment is due, transfer from your everything checking account, ONLY the exact amount of a single monthly mortgage payment, into your separate mortgage account.

BI-MONTHLY PAYMENTS

Cut 10-years off your mortgage by making 1/2 of your monthly mortgage payment on the 1st, and the 2nd on the 15th. Ask your Wells Fargo Account Manager! This is an awesome way to save thousands of dollars. Every lending institution is legally required to share this information with you, although very few do.

I look forward to hearing more from you, if you want to share!!