What Does the County Say Your Home is Worth? (Clark & Cowlitz)

Real Property Valuation Part of determining the best course of action to resolve a financial issue includes a review of your assets and liabilities.   A home is normally a person’s biggest asset.  Therefore, it is important to know both the

Am I Disqualified From HAMP Mortgage Modification If I Did Not Reaffirm My Loan In Chapter 7?

You Are NOT Disqualified From HAMP Modification Clients will sometimes tell me that their mortgage company/servicer told them they do not qualify for a mortgage modification because the client did not reaffirm their mortgage in the Chapter 7 case.  That

Are You Stressed and Tired? It might be “Decision Fatigue”.

WHAT DO I DO NOW?!? Posted below is an article that explains how making decisions becomes overwhelming.  IN FACT, people that are experiencing financial problems might suffer more than others from “Decision Fatigue“.   Money is tight and every money spending

What are Some Mortgage Loan Modification & Refinance Options?

There are MANY different types.  Here are a few with links to their site and/or an explanation of the program.  These programs can change.  So, make sure you are looking at the most recent information/publications.   The programs/links are current as

USEFUL LINK: Bankruptcy & HAMP Modifications (2010 Article)

Why It’s Useful:  This is a link to an article discussing obtaining mortgage modifications in and after bankruptcy. Subject:  Bankruptcy & HAMP Modifications (2010 Article) Useful Link:   http://www.usfn.org/AM/Template.cfm?Section=Home&CONTENTID=16112&SECTION=..   NOTE:  This post is one of the many “Useful Links” you will

USEFUL LINK: HUD Mortgage Letter 2008-32 (Use of FHA Loss Mitigation During Bankruptcy)

Why It’s Useful:  This is a link to a letter about obtaining mortgage modifications in and after bankruptcy. Subject:   Obtaining mortgage modifications in and after bankruptcy. Useful Link:  http://portal.hud.gov/hudportal/documents/huddoc?id=DOC_16794.doc   NOTE:  This post is one of the many “Useful Links” you will

Useful Link: HUD Loss Mitigation Options – HUD Mortgagee Letter 00-05

Why It’s Useful:  This is a link to an HUD Loss Mitigation Options letter Subject:   HUD/FHA Homes – Loss Mitigation Options/Rules (Short Sale / Mortgage Modification / Deed in Lieu) Useful Link:   http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/00-05ml.doc   NOTE:  This post is one of the

USEFUL LINK: MHA Extension & Expansion – Supplemental Directive 12-02

Why Its Useful:  This document explains the expansion of MHA government programs for mortgage modification, short sales, etc. Subject:   Making Home Affordable Program – MHA Extension and Expansion Useful Link:  https://www.hmpadmin.com//portal/programs/docs/hamp_servicer/sd1202.pdf   NOTE:  This post is one of the many “Useful