Have you discovered, and understood, the advantages of loan modification? Have you heard about deferring principle or lowering your interest rate with a loan modification? Are you completely “underwater” on your home mortgage and too emotionally attached to your home to consider selling it? Listen in as Cara Milgate, Hernandez Law Group discusses loan modification advantages and realities.
Length: 2:13
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When Bankruptcy or Loan Modification Might Be Right for You
Filed under Credit
The Home Affordable Refinance Program, aka HARP, has been rolling out slowly as an improvement over the first HARP version of the program. Although refinancing your home may not make sense if you are “underwater” on your mortgage, HARP 2.0 has some big advantages that could make a huge difference in your life. Listen in as I discuss two of the biggest advantages, what they could mean to your budget, and what is required.
Length: 3:17
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Can Home Affordable Refinance Program 2.0 Save Your Home?
Filed under Loans
How does bankruptcy court view your retirement funds? Are your retirement accounts protected from bankruptcy proceedings? Can IRS debt be discharged through bankruptcy; if so what are the general conditions required for discharge? Listen in as Kristy Hernandez, Law Offices of Kristy Hernandez, answers these questions and more about bankruptcy today.
Length: 2:33
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When Bankruptcy or Loan Modification Might Be Right for You
How Bankruptcy Puts an End to Creditor Calls
Filed under Credit
If you are faced with the possibility of going through bankruptcy, do you understand the restrictions involved? Do you realize you can’t pay off your favorite credit card within 90 days of your bankruptcy court date and expect to keep that line of credit open? Have you investigated the restrictions when you file for bankruptcy? Listen in as Kristy Hernandez, Hernandez Law Group, discusses some of the restrictions of bankruptcy and what you need to consider before filing.
Length: 2:26
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When Bankruptcy or Loan Modification Might Be Right for You
Filed under Credit
Although it is an uncomfortable subject to discuss, do you understand the economic “life value” of your family? Would you know the importance of umbrella policy coverage in securing your family’s future? Listen in as Joe Fiorentino of State Farm San Jose provides specific examples of the importance of umbrella policy coverage in protecting your family’s financial future.
Length: 2:01
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Filed under Insurance
If you have life insurance policy benefits through your employer, do you understand the possible limitations of your policy? Have you investigated a term life policy and the value of crafting your policy according to your specific familial needs? Listen in as Joe Fiorentino of State Farm San Jose outlines scenarios in which term life insurance is an important component to your portfolio.
Length: 2:54
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Tax Tips for Considering an Investment Property
Is the house or homeowner insured or both? There are many factors that go into answering this question. Have you ever investigated mortgage life insurance? There are many options available to homeowners that can bring peace of mind and security. Listen in as I discuss the scenarios and options with Joe Fiorentino of State Farm San Jose.
Length: 2:43
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Filed under Insurance
Do you understand the power of your homeowners policy coverage? Do you know what your basic homeowners policy covers? Have you considered not submitting a claim because you feared it was not in your best interest to do so? Listen in as I discuss these issues and more with Joe Fiorentino of State Farm Insurance San Jose.
Length: 2:52
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Tax Credits and Deductions: Take Advantage of Two Simple Strategies Before Year End 2011
Filed under Insurance
Are you currently unemployed with a mortgage to pay every month? Do you understand why it is very important to know which company is servicing your loan? Freddie Mac is offering a six month forbearance program that could suspend your mortgage payment for six months but there are conditions and issues to consider. Listen in as I discuss the requirements and considerations you must weigh before taking advantage of this program.
Length: 3:04
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Opportunity: Get 3.5% Towards Closing Costs
Filed under Foreclosure
My goal is, and always will be, to provide the best possible loan program for my borrower’s specific needs. I receive the same compensation for my efforts regardless of what type of loan product I originate for a client. Unfortunately, there are some terrible misconceptions circulating throughout the real estate community about loan originator compensation. Listen in as I describe the recent misconceptions being published about lender compensation and the rules loan originators must abide by in today’s financial world.
Length: 3:45
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The Right Time to Lock a Mortgage Interest Rate
Filed under Buyer tips
Real Estate Radio Bay Area 