stlouismortgage's posterous http://stlouismortgage.posterous.com Most recent posts at stlouismortgage's posterous posterous.com Tue, 02 Aug 2011 10:29:41 -0700 St Louis Home Loan and Mortgage: Foreclosures May Be Slowing http://stlouismortgage.posterous.com/st-louis-home-loan-and-mortgage-foreclosures http://stlouismortgage.posterous.com/st-louis-home-loan-and-mortgage-foreclosures

St Louis Coupons, Mobile Marketing and Mobile APP For Local Shopping - The Customer Advantage

St Louis Mortgage and Real Estate News –

St Louis Mortgage Lending and Home Loan News: Foreclosures Slow, But...
St Louis Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Reduction

According to a report released by the Office of the Comptroller of the Currency (OCC) and the Office of Thrift Supervision (OTC), foreclosures slowed in the fourth quarter 2010.

However, as far as long-term outlooks, it has only been a brief reprieve since banks will move more aggressively back into the foreclosure process following a

review of their mortgage servicing practices according to St Louis home loan mortgage brokers.

It is interesting to note that the O.C.C. regulates national banks and the O.T.S. regulates the national thrift industry.

In the fourth quarter, completed foreclosures dropped by almost 50 percent to 95,067, while newly initiated foreclosures fell by almost 8 percent to 352,318.

Foreclosures in the pipeline actually increased as expected because the number of newly initiated foreclosures was larger than those completed in the fourth quarter.

The inventory of foreclosures being processed jumped more than 7 percent to 1.3 million in the fourth quarter of 2010.

And as projected new and completed foreclosures have increased in 2011 once the foreclosure pause ended.

What to do with borrowers who can no longer afford their homes is a raging political and policy debate.

The state attorneys general are facing off with banks over changes to their mortgage servicing processes and whether principal write-downs or reductions should become a major part of efforts to keep borrowers in their homes especially since private principal loan reduction programs backed by attorney networks have been pushing this effort.

The two groups met on March 30th to kick off negotiations that could be lengthy and contentious. The St. Louis Refinancing Group news team will follow this hot debate.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available.Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan. 

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.  

============================================

St Louis Beauty Supply and Avon - Kristin Tapia

 QR Code for stlouisbeauty at Kimtag

St Louis Mortgage and Loans - Liberty Lending Consultants

QR Code for stlouismortgage at Kimtag

St Louis Mobile Coupons

 QR Code for stlmobilecoupons at Kimtag

St Louis Magic and Birthday Parties - Josh Routh

 QR Code for stlouismagic at Kimtag

To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here for your smartphone.

=======================================

Mobile Phone Users Click Here For Your Safe and FREE STLTEXT Shopping App  

 

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Wed, 15 Jun 2011 07:41:00 -0700 St Louis Loan and Mortgage Refinancing: One In Seven On Food Stamps http://stlouismortgage.posterous.com/st-louis-loan-and-mortgage-refinancing-one-in http://stlouismortgage.posterous.com/st-louis-loan-and-mortgage-refinancing-one-in

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Mortgage Lending and Loan Reduction News: 1 In 7 Using and Benefiting from Food Stamps
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Compliance Consultant

The number of food stamp recipients increased 16 percent over last year.

This means that 14 percent of the population is now living on food stamps which equates to approximately 43 million people, or about one out of every seven Americans.

In some states, like Mississippi, New

Mexico, Oregon and Tennessee, one in five people are receiving food stamps.

The nation's capitol, Washington, D.C. leads the country, with 21.5 percent of the population on food stamps.

But it's not just the nation's stubbornly high unemployment rate of 9.8 percent that's driving the increase in food stamp use.

Some states are expanding their definitions of poverty to include more people.

At the same time, the 2009 American Recovery and Reinvestment Act boosted annual funding to the nationwide food stamp program, known as the Supplemental Nutrition Assistance Program, by $10 billion.

The average recipient receives $133 in food stamps per month, according to the U.S. Department of Agriculture.

That amount varies from state to state. For example, in Hawaii the average is $216, while it's $116 in Wisconsin.

But the Recovery Act funding increased the maximum food stamp benefit by 13.6 percent, which translates to about $20-24 dollars per person per month.

The U.S. government considers food stamps to be effective stimulus for the economy, because the recipients usually spend them right away.

Idaho saw the biggest increase in its food stamp program, with a spike of 39 percent compared to last year, followed by Nevada, at 29 percent, and New Jersey, at 27 percent.

The government is also beefing up unemployment benefits.

The unemployed will get a 13-month extension to file for additional unemployment benefits, which can last as long as 99 weeks in states hit hardest by job loss.

As the job market continues to dog the economy, the increase in food stamp funding is set to remain in place for nearly three years.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 
To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Thu, 05 May 2011 07:21:00 -0700 St Louis Home Loan: Investors Still Recouping Mortgage Losses http://stlouismortgage.posterous.com/st-louis-home-loan-investors-still-recouping http://stlouismortgage.posterous.com/st-louis-home-loan-investors-still-recouping

STLTEXT, St Louis Mobile Coupons, Cell Phone Advertising and iPhone APP For Local Shopping

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Audit News: Investors Trying To Recoup Mortgage Losses
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Audit

Nearly 200 investors attended a meeting in New York on what was being called "Robosigners and Other Servicing Failures," said David Grais, a New York securities lawyer.

He was sponsoring the conference and currently represents two Federal Home Loan Banks that have filed lawsuits over mortgage-backed securities they own according to the St Louis home loans professionals.

It's one of several indications that investors are using the latest mortgage fiasco to recoup losses.

Some of those investors also are sizing up potential strategies for trying to recoup mortgage losses and trying to shield themselves from the cost of any settlement between mortgage-servicing companies and state attorneys general, who are investigating mortgage-servicing practices.  

"Investors' frustration has reached a boil in response to monthly loan losses, unexplainable bond write-downs, stonewalling access to loan files, inequitable treatment of first- and second-lien mortgage loans and ineffective loan modifications," said Jonathan Lieberman, a managing director with Angelo, Gordon & Coompany, which invests in mortgage-backed securities.

The most public display of bondholder unrest came in November when a group of large investors objected to the handling of 115 bond deals issued by affiliates of Countrywide Financial Corporation, now part of Bank of America Corporation.

The investor group includes government-owned mortgage companies Freddie Mac and Fannie Mae, the Federal Reserve Bank of New York, BlackRock Inc. and Allianz SE's Pacific Investment Management Co.

Potential losses to banks from the repurchase of troubled loans could reach anywhere from $55 billion to $120 billion, according to bond analysts at J.P. Morgan Chase & Company.

==================================================

ARE YOU UPSIDE DOWN ON YOUR HOME? ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

 

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage. Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family. This book will help you immensely in clarifying what to do and when to do it so that you are successful in this endeavor. Only then can you make the best decision. Click on the book. Read this book. 60 Minute Loan Modification Programs  

This "do-it-yourself" 60 Minute Loan Modification Program has literally saved the homes of thousands of consumers. This is what all homeowners need to help them smoothly proceed through this legal and complicated process.

==================================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

For a loan modification, visit one of the best Loan Reduction or Principal Reduction Programs. A principal reduction or loan modification can help if you are underwater with negative equity. Don't wait any longer. You are not alone. The above best seller book entitled "60 Minute Loan Modification Workbook" will help you do this yourself or at least educate you on whether you should hire an attorney or not. Bad credit is not a problem.  

Business Owners: As a commercial lending and principal reduction program consultant, my team can focus on bringing you innovative private lending solutions and if necessary can provide a FREE commercial or home mortgage loan audit to meet all types of financing needs. I have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let me turn your challenges into closings and help you get a St Louis commercial lending or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.


We Are Now On Google Maps!
St Louis Mortgage: Scan Code With Your Smartphone For More Details On Home Mortgage, Commercial Lending and Financing and the Best Principal Reduction Program Available.

To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here: (Android phones come with QR readers.)

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Wed, 04 May 2011 19:16:00 -0700 St Louis Mortgage Broker: Economy Makes Small Improvements http://stlouismortgage.posterous.com/st-louis-mortgage-broker-economy-makes-small http://stlouismortgage.posterous.com/st-louis-mortgage-broker-economy-makes-small

STLTEXT, St Louis Mobile Coupons, Cell Phone Advertising and iPhone APP For Local Shopping

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Audit News: The Economy Is Slowly "Muddling Along"
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Reduction

The Commerce Department said today that the economy expanded at a 2 percent annual rate in the July-September quarter.

It marked an improvement from the feeble 1.7 percent growth in the April-June quarter according to St Louis mortgage brokers. Consumers helped boost last quarter's economic growth with 2.6 percent growth in spending.

That was better than the second quarter's 2.2 percent growth rate and marked the biggest quarterly increase since a 4.1 percent gain at the end of 2006 before the recession hit, but quite pathetic historically.  

"We're just muddling along," said Ken Mayland, president of ClearView Economics.

He goes on to say: "I think it is going to be hard to break out of this sluggish-growth rut."

With consumers spending more, they socked less into their savings.

They saved 5.5 percent of their disposable income in the July-September quarter, down from 5.5 percent in the April-June quarter. That's still a high savings rate.

Before the recession, people saved only about 1 percent of their disposable income. Growth in the October-December quarter isn't expected to improve much.

A new AP Economy survey estimates a 2.4 percent pace.

Many predicted that the 2010 economy would end on a weaker footing than it started and it did.

In the January-March quarter, the economy expanded at a 3.7 percent pace.

Under one rule of thumb, the economy would need to expand by 5 percent for a full year to knock the unemployment rate down by a full percentage point.

For all of this year, the economy is expected to grow 2.6 percent.

That would mark an improvement from 2009. The gross domestic product shrank that year by an equal amount, the largest annual decline since 1946.

GDP measures the values of all goods and services from machinery to manicures produced in the United States.

==================================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

 

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage. Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family. This book will help you immensely in clarifying what to do and when to do it so that you are successful in this endeavor. Only then can you make the best decision. Read this book. 60 Minute Loan Modification Programs  

This "do-it-yourself" 60 Minute Loan Modification Program has literally saved the homes of thousands of consumers. This is what all homeowners need to help them through this process.

==================================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

For a loan modification, visit one of the best Loan Reduction or Principal Reduction Programs. A principal reduction or loan modification can help if you are underwater with negative equity. Don't wait any longer. You are not alone. The above best seller book entitled "60 Minute Loan Modification Workbook" will help you do this yourself or at least educate you on whether you should hire an attorney or not. Bad credit is not a problem.  

Business Owners: As a commercial lending and principal reduction program consultant, my team can focus on bringing you innovative private lending solutions and if necessary can provide a FREE commercial or home mortgage loan audit to meet all types of financing needs. I have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let me turn your challenges into closings and help you get a St Louis commercial lending or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau  

Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan Code With Your Smartphone For More Details On Home Mortgage, Commercial Lending and Financing and the Best Principal Reduction Program Available.  

To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here: (Android phones come with QR readers.)

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Thu, 28 Apr 2011 12:02:00 -0700 St Louis Commercial Loans: Obamacare Kills Small Businesses http://stlouismortgage.posterous.com/st-louis-commercial-loans-obamacare-kills-sma http://stlouismortgage.posterous.com/st-louis-commercial-loans-obamacare-kills-sma

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Loan Audit News: Obamacare Kills More Businesses
St Louis Home Mortgage and Commercial Loans
| Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Compliance Advocate

Industry experts say more insurers will drop health care coverage or go out of business if they were forced to meet a January 1st deadline that requires them to boost the money devoted to providing care.

The Obama administration was awaiting the recommendation of the National Association of Insurance Commissioners, meeting in Orlando for how and when to implement key changes to the "Medical Loss Ratio" rule.

Under health reform, beginning 2011, insurance companies will have to spend 80 percent to 85 percent of the premiums they collect on care instead of toward their own profits and overhead costs.

Prior to reform, requirements varied from state to state. In some cases, insurers didn't have to meet any minimum requirements.

For example, some plans have a 40 percent loss ratio. That means individuals could be paying $1 for 40 cents of care.

Beginning in 2012 if insurers don't increase that loss ratio to 80 cents per dollar paid, they will have to give customers a rebate for the difference.

"The issue that some carriers will leave the market as a result of this is real," said Deborah Chollet, senior fellow and health economist with Washington-based Mathematica Policy Research.

She continues: "Some companies just won't be able to make it."

==================================================

ARE YOU UPSIDE DOWN ON YOUR HOME? ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Call Now For Your FREE MORTGAGE CHECK-UP
877-334-0210 or 314-334-0210 | Floyd Tapia

www.LibertyLendingConsultants.com
Home Foreclosure Hero
The Rigley Group
 

Or visit our principal reduction and loan reduction website for your FREE loan audit and review where you can fill out the quick application.

==================================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at 314-336-9111 and ask for Steve Swan or Doug Stahlschmidt.

For business owners looking for small business loans and alternative financing that works including home owners who are credit challenged or upside down on their home loan, call Floyd Tapia, host of the St. Louis "Mortgage Minute" at 314-334-0210.

As a commercial lending and principal reduction consultant, I focus on bringing you innovative private lending solutions and if necessary can provide a FREE commercial or residential loan audit to meet all types of financing needs. I have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let me turn your challenges into closings by helping you get a nationwide or St Louis commercial lending and financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau

Check back daily for more financial news.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Tue, 26 Apr 2011 11:27:00 -0700 St Louis Foreclosures: Bank Of America Resumes Foreclosures http://stlouismortgage.posterous.com/st-louis-foreclosures-bank-of-america-resumes http://stlouismortgage.posterous.com/st-louis-foreclosures-bank-of-america-resumes

St Louis Coupons, Mobile Marketing and Mobile APP For Local Shopping

St Louis Mortgage and Real Estate News –

St Louis Loan Audit News: Bank of America Resumes Foreclosures In 23 States
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program

877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending

Bank of America reviewed 102,000 foreclosures in the 23 states where a court must sign off on the proceedings, and it has restarted the process on those cases, the company recently said.

The company said the first of the new affidavits had to be submitted by October 25, and that it would continue its review in 27 other states.

According to a spokeswoman for the bank, no errors were found during the review, and fewer than 30,000 foreclosure sales across all 50 states will be delayed as a result of the investigation.

The announcement comes one day before the bank's third quarter earnings report, and might ease investor concerns over the scale and time frame of the bank's review process according to St Louis foreclosure experts.

"This is an even better outcome than we previously thought," said Paul Miller, an analyst at FBR Capital Markets. He continues: "We thought January was a more likely time to restart the [foreclosure] process."

All told, 1.8 million loans are in foreclosure in the 23 so-called judicial states, while 1.3 million are pending elsewhere in the country, according to a Morgan Stanley analyst report.

==================================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Call Now For Your FREE MORTGAGE CHECK-UP
877-334-0210 or 314-334-0210 | Floyd Tapia

www.LibertyLendingConsultants.com
Home Foreclosure Hero
The Rigley Group

Or visit our principal reduction and loan reduction website for your FREE loan audit and review where you can fill out the quick application.

==================================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at 314-336-9111 and ask for Steve Swan or Doug Stahlschmidt.

For a FREE loan audit, visit one of the best Principal Reduction Loan Modification Programs. My attorney network and lending specialists may help save your home or business and put a foreclosure stop on the process. A principal reduction can also help if you are underwater with negative equity compared to a loan mod. Don't wait any longer. You are not alone. Call Floyd Tapia and his professional team at 314-334-0210 or 877-334-0210 for a FREE consultation. Bad credit is not a problem.

Business Owners: As a commercial lending and principal reduction program consultant, my team can focus on bringing you innovative private lending solutions and if necessary can provide a FREE commercial or home mortgage loan audit to meet all types of financing needs. I have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let me turn your challenges into closings by helping you get a nationwide or St Louis commercial lending and financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau

Check back daily for more financial news.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Fri, 22 Apr 2011 12:33:00 -0700 Principal Reduction St Louis: Foreclosures Taken Seriously http://stlouismortgage.posterous.com/principal-reduction-st-louis-foreclosures-tak http://stlouismortgage.posterous.com/principal-reduction-st-louis-foreclosures-tak

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Loan Audit News: Bernanke Says He Is Now Taking Foreclosure Problems More Seriously
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Mortgage

I imagine that the country in general is happy to hear this especially those who are actively seeking a principal loan reduction through a FREE loan audit in order to keep their homes according to St Louis mortgage brokers.

Federal Reserve Chairman Ben Bernanke said recently that a federal agency review of foreclosure procedures at the nation's largest mortgage servicers should be

completed next month.

"We take violations of proper procedures seriously," Bernanke said in remarks prepared for delivery at a joint conference in Arlington, Va., with the Federal Deposit Insurance Corporation on Wall Street's foreclosure procedures.

"I would like to note that we have been concerned about reported irregularities in foreclosure practices at a number of large financial institutions," Bernanke said.

He continues: "The federal banking agencies are working together to complete an in-depth review of practices at the largest mortgaging servicing operations."

"We are looking intensively at the firms' policies, procedures and internal controls related to foreclosures and seeking to determine whether systematic weaknesses are leading to improper foreclosures," he went on to say.

"Now, more than 20 percent of borrowers owe more than their home is worth and an additional 33 percent have equity cushions of 10 percent or less, putting them at risk should house prices decline much further."

In conclusion Bernanke said: "With housing markets still weak, high levels of mortgage distress may well persist for some time to come."

Bernanke said the conference will also focus on results from the ongoing program by the Federal Reserve Bank called the Mortgage Outreach and Research Effort, or MORE.

==================================================

ARE YOU UPSIDE DOWN ON YOUR HOME? ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages? 

Retain Our Attorneys and Lending Professionals!

My attorney network and lending specialists may help save your home or business and put a foreclosure stop on the process. A principal reduction can also help if you are underwater with negative equity compared to a loan modification.

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

Call Now For Your FREE MORTGAGE FORENSIC AUDIT Call (866) 414-2937 Ext. 766 or (314) 334-0210 NOW! Floyd Tapia, Loan Compliance Consultant These services made available to you by: Liberty Lending Consultants Home Foreclosure Hero The Rigley Group

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

(Fax all loan and principal reduction applications and documents to Floyd Tapia at: (314) 432-5240)

==================================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

For a FREE loan audit, visit one of the best Loan Reduction or Principal Reduction Programs. My attorney network and lending specialists may help save your home or business and put a foreclosure stop on the process. A principal reduction can also help if you are underwater with negative equity compared to a loan mod. Don't wait any longer. You are not alone. Call Floyd Tapia and his professional team at (314) 334-0210 or (877) 334-0210 for a FREE consultation. Bad credit is not a problem.

Business Owners: As a commercial lending and principal reduction program consultant, my team can focus on bringing you innovative private lending solutions and if necessary can provide a FREE commercial or home mortgage loan audit to meet all types of financing needs. I have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let me turn your challenges into closings and help you get a St Louis commercial lending or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau

Check back daily for more financial news.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia