stlouismortgage's posterous http://stlouismortgage.posterous.com Most recent posts at stlouismortgage's posterous posterous.com Mon, 18 Jul 2011 21:10:00 -0700 St Louis Mortgage Lending and Refinancing Loan: Foreclosures And Short Sales Push Market http://stlouismortgage.posterous.com/st-louis-mortgage-lending-and-refinancing-loa-45880 http://stlouismortgage.posterous.com/st-louis-mortgage-lending-and-refinancing-loa-45880

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St Louis Mortgage and Real Estate News –

St Louis Mortgage Lending and Loan Reduction News: 26 Percent Of Home Sales Are Foreclosures And Short Sales
St Louis Home Mortgage and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Modification Consultant

According to a RealtyTrac report released yesterday, 26 percent of all homes sold last year were foreclosures and short sales.

Homes already foreclosed on and repossessed by banks, called REOs (real estate owned), sold for an average of 36 percent less than normal sales, RealtyTrac reported.

Meanwhile, the discount for homes sold while they were still in the foreclosure process (short sales) was 15 percent as followed by the St Louis Refinancing Group news team.

"It's like the post-holiday sales at

Macy's where they're trying to clear out unwanted inventory," said Anthony Sanders, a real estate professor at George Mason University.

Nevada had the highest percentage of distressed sales of any state at 57 percent.

That was, however, less than 2009, when 67 percent of sales there were foreclosures.

In Arizona, 49 percent of sales were distressed properties; in California, 44 percent; and in Florida, 36 percent. Foreclosed properties sold for the biggest discount which ended up being 50 percent off in New Jersey.

These investment opportunities are not going away. Nearly 30 percent of mortgage borrowers are underwater on their loans, owing more than their homes are worth, according to Stan Humphries, chief economist for Zillow, the real estate web site.

These owners are very vulnerable to foreclosure so the number of distressed properties that will go on sale only the next year or two will probably remained high.

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

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

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Sat, 16 Jul 2011 14:37:09 -0700 St Louis Home Loans and Mortgage Refinancing: Huge Tax Breaks For GM http://stlouismortgage.posterous.com/61265758 http://stlouismortgage.posterous.com/61265758

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St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Modification News: General Motors Gets Sweetheart Tax Break
St Louis Home Mortgage and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Reduction

 The United States government is giving a sweetheart deal to General Motors worth approximately $14 billion in tax revenue.

The company posted their first profitable year since 2004 according to St Louis finance experts.

But GM won't have to worry about being hit with a big tax bill on earnings because billions in previous

losses will shelter it from taxes for years to come.

That break will reduce GM's U.S. tax bill by an estimated $14 billion in the coming years and its global taxes by close to $19 billion, according to a company filing.

Companies typically get a tax break on future taxes because of past losses.

But in most cases they lose that tax break during bankruptcy, because the losses are offset by the "income" the company receives from shedding its debt.

Since the company shed $30 billion in debt during bankruptcy, it should have wiped out most of the tax break.

GM even warned it expected to lose those tax breaks shortly before filing for Chapter 11 protection.

But somehow, that never happened, and the automaker was able to keep most of its tax breaks, essentially receiving a $14 billion "gift" from the government.

While it's unclear why the automaker was allowed to carry over its losses, some experts insist that GM got preferential treatment.

"A lot of things were done differently here" said Heidi Sorvino, head of the bankruptcy practice at Lewis Brisbois Bisgaard & Smith.

She said that the tax break was just another example of how GM's bankruptcy process was unlike any previous bankruptcies.

One reason the government might have let General Motors claim the loss, was to reduce the perceived cost of the bailout, said Linus Wilson, finance professor at the University of Louisiana at Lafayette.

By allowing GM to carry over its losses, the reduced tax collections from the company were unlikely to be counted under most accountings.

But the question has to be asked: Where are these types of free financial "gifts" or write-offs for the small and medium business owner in this country?

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

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, Circus Kaput

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  

 

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Tue, 12 Jul 2011 15:07:00 -0700 St Louis Refinancing and Home Loan Mortgage: 1 In 4 Get Loan Modification http://stlouismortgage.posterous.com/st-louis-refinancing-and-home-loan-mortgage-1 http://stlouismortgage.posterous.com/st-louis-refinancing-and-home-loan-mortgage-1

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St Louis Mortgage and Real Estate News –

St Louis Mortgage Refinancing and Mortgage Lending News: Only 1 In 4 Get Mortgage Relief
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Compliance Advocate

As HAMP slowly moves ahead, only one in four of the 2.7 million homeowners who sought to participate in the Obama administration's signature mortgage assistance program have succeeded in getting their monthly payments reduced.

The rest failed to qualify for the program or were disqualified after they were initially accepted into the program, according to an analysis by the Wall Street Journal of data on applicants to the program newly released by the Treasury Department.

In all, about 680,000 homeowners who applied for the Home Affordable Modification Program, or HAMP, had received permanent modifications of their loans and were making timely payments or were still in the trial phase as of December 2010 according to St Louis home loan experts.

Almost 6.7 million U.S. homes were lost to foreclosure, short sales or turned back to lenders between

2000 and 2010, according to Moody's Analytics.

Another 3.6 million could meet the same fate through 2013.

The White House launched the HAMP program in 2009 as a broad attempt to reverse the rising number of home foreclosures by reducing families' mortgage payments, typically by lowering the interest rate and extending the term of a loan.

But the administration's strict eligibility criteria resulted in far lower participation than expected.

Almost half of the applicants to the program, or about 1.3 million homeowners, were declared ineligible from the very start.

Applicants were most often rejected because they didn't submit the necessary paperwork, or it was lost by their mortgage company.

Nearly 266,000 applicants were denied for this reason.

Another 255,000 were ineligible because they were considered to have affordable mortgages, defined as less than 31 percent of pretax income.

Borrowers also were turned down because they had loans for more than $730,000 or were not considered in danger of defaulting soon.

Another 770,000 homeowners started the program but were later disqualified, most for the same paperwork and eligibility problems as the applicants turned away at the outset.

Only a small number were rejected for failing to make trial payments. Homeowners in southern states had the hardest time getting into the program and staying there.

In the four-state region of Arkansas, Louisiana, Oklahoma and Texas, about 83 percent of applying homeowners failed to complete the loan-modification process.

That proportion was 80 percent in the four-state region of Alabama, Kentucky, Mississippi and Tennessee.

Homeowners had the least trouble getting into the program in New England, where the rejection rate was 72 percent, and in western states, including Alaska, California, Hawaii, Oregon and Washington.

The program has faced sharp criticism. Neil Barofsky, the departing special inspector general overseeing the program, has faulted the administration for launching it with inadequate analysis and only partially developed guidelines.

This led to delays and confusion, and the program "continues to fall short of any meaningful standard of success," he said a report released in January.

House Republicans have called the program a waste of money and are considering a bill this week to end the program.

"In an era of record-breaking deficits, it's time to pull the plug on these programs that are actually doing more harm than good for struggling homeowners," Representative Spencer Bachus (Republican, Alaska) said last week.

Contribution by the Wall Street Journal

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

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 and St Louis Marketing

 QR Code for stlmobilecoupons at Kimtag

St Louis Magic and Birthday Parties - Josh Routh, Circus Kaput

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  »

]]>
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Tue, 05 Jul 2011 17:38:00 -0700 St Louis Lending and Mortgage Refinancing Loan: ARMs Are Definitely Back http://stlouismortgage.posterous.com/st-louis-lending-and-mortgage-refinancing-loa http://stlouismortgage.posterous.com/st-louis-lending-and-mortgage-refinancing-loa

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Finance Lending and Mortgage Loan News: Adjustable Rate Mortgages Are Back
St Louis Home Mortgage and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Modification Advocate

After accounting for nearly 70 percent of all mortgages issued during the boom, adjustable rate mortgages (ARMs) vanished during the bust, totaling just 3 percent of the market in 2009.

Now they make up 5 percent of all mortgages issued, and Freddie Mac predicts 10 percent by December according to St Louis lending experts.

Behind the comeback is a simple fact:

ARMs are a great bargain right now.

The most common ARM loan currently has a rate of 3.5 percent compared to 5 percent for a 30-year fixed-rate mortgage.

"For anyone with a high likelihood of moving soon, the 5/1 is a great product," said Michael Fratantoni, vice president of research and economics for the Mortgage Bankers Association.

He continues: "It's a well understood product too; there's not a lot of danger with it."

So why isn't everyone grabbing an ARM?

Well, because fixed-rate mortgages are seen as safer because they carry the same rate over life of the loan. Borrowers always know what their payment will be.

But with ARMs, interest rates change over time.

For example, the 5/1 ARM which is the most common loan has the 3.5 percent introductory rate for the first five years. After that, the rate adjusts annually.

That sounds kind of dangerous, but one must look deeper.

On a $200,000 mortgage, the monthly ARM payment at 3.5 percnet would be $898 compared with $1,074 for a 30-year, fixed-rate loan at 5 percent.

That's a $10,560 difference after five years, when the ARM would adjust. At that point the ARM rate could jump to a worst-case scenario 8.5 percent and the monthly payment to $1,538.

It would still take more than 22 months of the higher ARM payments to offset the first five years of savings.

Many buyers remember the so-called toxic or exploding ARMs and how their defaults triggered the mortgage meltdown, helped sink the housing market and usher in the Great Recession.

These loans failed for a couple of reasons.

First, many were issued to people who lacked the income to pay once the initial years of low fixed rates ended and the interest rate reset higher.

Second, the caliber of borrowers was very low. The 5/1 is an entirely different animal, experts says.

Unlike the toxic ARMs, these products are issued to borrowers with high credit scores, making substantial down payments and with assets, debt and income carefully underwritten before approval.

Rosenbaum said he's always featured the 5/1 ARM as the product of choice unless the clients tell him they're planning to live in the home for 15 or 20 years.

For people planning to stay for less time, "it's paying for insurance they don't need," he said.

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

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, Circus Kaput

 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  »

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Mon, 04 Jul 2011 16:27:13 -0700 St Louis Home Mortgage and Loan Reduction: US Postal Service Feeling The Crunch http://stlouismortgage.posterous.com/st-louis-home-mortgage-and-loan-reduction-us http://stlouismortgage.posterous.com/st-louis-home-mortgage-and-loan-reduction-us

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St Louis Mortgage and Real Estate News –

St Louis Finance and Refinancing Loan News: US Postal Service In Financial Trouble
 St Louis Mortgage Broker and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Compliance Advocate

 The U.S. Postal Service (USPS), a self-supporting government agency that receives no tax dollars, said it suffered a loss of $329 million in the first quarter of federal fiscal year 2011. That was compared with a loss of $297 million a year earlier.

The agency has been suffering from an ongoing decline in mail volume, which has undercut revenues, while

retiree health care costs have been straining its reserves.

Excluding costs related to retiree benefits and adjustments to workers' compensation liability, the Postal Service said it had net income of $226 million in the first quarter, which ended December 31, 2010.

The agency said it will be forced to default on some of its financial obligations this year unless Congress changes a 2006 law requiring it to pay between $5.4 and $5.8 billion into its prepaid retiree health benefits each year.

The Postal Service has taken a number of steps to increase revenue, including marketing initiatives and price increases. The agency raised rates an average of 3.6 percent in January 2011.

It is also perusing more dramatic changes. Last year, the USPS submitted a request to the Postal Regulatory Commission, which oversees the agency, to eliminate Saturday mail service.

The commission has yet to respond to the request, but a spokesman said it is in the "final phase" of making its decision.

The USPS has also cut back on hours to save money. The agency expects to eliminate 40 million work hours this fiscal year as part of a plan to save $2 billion.

However, the service is currently negotiating new contracts with the American Postal Workers Union and the National Rural Letter Carriers Association, which will probably object to cutting hours.

But it's probably time that postal workers wake up and smell the coffee. With lower mailings which means lower profits, they must use common sense and realize they can no longer demand the same amount of hours.

They will have to compromise for the well being of the USPS just like millions of others have in the private working sectors.

On the bright side, the Postal Service said improving economic conditions suggest the "worst of the precipitous volume decline during the recession is over."

But mail volume continues to be anemic, rising only 1.5 percent in the first quarter as economic growth remains sluggish.

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

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, Circus Kaput

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  »

]]>
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Mon, 27 Jun 2011 07:52:00 -0700 St Louis Home Mortgage, Loans and Refinancing: Foreclosures Spreading http://stlouismortgage.posterous.com/st-louis-home-mortgage-loans-and-refinancing http://stlouismortgage.posterous.com/st-louis-home-mortgage-loans-and-refinancing

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan News: Foreclosures Are Spreading
St Louis Mortgage Refinancing and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Modification Advocate

 According to a report released early in 2011 by RealtyTrac, one out of every 9 homes in Las Vegas, Nevada received some kind of default notice in 2010.

But there seems to be a silver lining: The foreclosure rate is actually dropping in Vegas which was down 7 percent compared to the end of 2009 according to the St Louis Refinancing Group news team.

In fact, rates fell in all top 10 foreclosure markets of 2010.

In second highest foreclosure market,

Cape Coral, Florida, the filings dropped 28 percent. In third place came Modesto, California, which filings fell 13 percent. And in forth place was Phoenix which numbers dipped to 7 percent.

But even as foreclosures fell in the worst-hit areas, they rose in 72 percent of the 206 metro areas covered by RealtyTrac's report.

Foreclosures have spread beyond the original bubble cities as the economy melted down through this mortgage crisis.

Unemployment rates spiked nearly everywhere, and people out of work cannot make their mortgage payments.

In addition, under the new FHA rules, they can no longer count unemployment benefits as income when applying for a loan modification.

As a result, there is now a cohort of metro areas that did not enjoy the housing boom but are now enduring double-digit foreclosure spikes.

For example, Houston foreclosures grew by 26 percent which is the biggest jump by any of the 20 largest metro areas to one for every 62 households.

The city especially suffered from a bleak job picture, with unemployment rising to 8.6 percent in November 2010 from 8.1 percent a year earlier.

Atlanta rose to 25th place with a 21 percent jump in 2010 filings following a 42 percent spike in 2009.

And heading westward, Salt Lake City filings ballooned by 30 percent in 2010 which placed them a solid 27th place.

Bubble state cities still dominate the top of the list, however, accounting for 19 of the 20 top markets.

And the easing in these worst-hit markets may be temporary, said Rick Sharga, spokesman for RealtyTrac.

He forecasts a foreclosure rise again in the Sand States in 2011 as banks restart their engines.

Overall, he thinks, foreclosures should plateau and stay at about the same level throughout 2012.

"Until jobs come back, we won't see much of a change," Sharga said.

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

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.

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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.

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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.

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St Louis Beauty Supply and Avon - Kristin Tapia

 QR Code for stlouisbeauty at Kimtag

St Louis Mortgage and Loans - Liberty Lending Consultants

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St Louis Mobile Coupons

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St Louis Magic and Birthday Parties - Jason Routh

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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.

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

 

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Wed, 15 Jun 2011 22:53:00 -0700 Local Consumers Say St Louis Paper Coupons May Be Dead Like The Yellow Pages http://stlouismortgage.posterous.com/local-consumers-say-st-louis-paper-coupons-ma http://stlouismortgage.posterous.com/local-consumers-say-st-louis-paper-coupons-ma

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

ST LOUIS COUPON and MOBILE NEWS: Are Paper Coupons Going The Way Of 8-Track Tapes

STLTEXT.org Mobile Ads | 314-698-4092
(TEXT) stltext   info (TO)  368674

Retail stores, restaurants, auto repair, grocery chains, food and drug manufacturers, hair salons, dentists, veterinarians, real estate agents and even coupon marketers themselves are now going electronic on the Internet.

You no longer need a pair of scissors, a magnifying glass and a Sunday paper for locating St Louis deals and discounts.

Simply visit a Web site, type in codes, and you will find all the coupons waiting for you, electronically, in your e-mail box or even at a store's cash register.

The latest and most innovative way of getting St Louis coupons is via text messaging to your cell phone or by entering your favorite store's texting code. American Idol made this new form of advertising and communication a household event.

These companies are hoping that these electronic coupons, deals and discounts will revive the already dying paper coupon business as it has the famous Yellow Pages books.

A shocking 0.5 or half of one percent of the total 285 billion coupons issued in 2009 were ever redeemed. These statistics were provided by the coupon processor NCH themselves showing this is down from an average of 1 percent just a decade ago.

The overwhelming problem is that newspaper readership is declining. Thus, fewer people are looking at Sunday newspapers and circulars.

And the younger shoppers or Generation X as they have been dubbed prefer to read their news online with over 50,000,000 doing so with their brand new smartphones.

The hectic pace nowadays mean fewer people take the time to clip, organize and sort coupons each week.

Think about how much time you spend on your cell phone or computer compared to reading a newspaper.

Billions of people keep their mobile phones close to them most if not all of the time for talking or texting. This is why the advertising industry has gone not only to the Internet but has recently gone mobile as St Louis Mobile Coupons website has done.

Their are many good reasons for companies making the move to the e-coupon form of advertising including:

  • Redemption rates are much higher and can be as high as 12 percent although the technology is so new that the marketing industry refuses to be more specific.
  • Redemptions are easier and quicker to track. Plus, if they appear on your cell phone, you are less likely to lose that coupon. And you can send or forward the mobile coupon as a text message to family and friends. Talk about referral marketing at its best.
  • They can now get more information about who's buying their products.
  • They can use these newer forms of advertising to cultivate loyal customers by giving additional savings and discounts to shrewd consumers who sign up for a subscription via their mobile phone. And why not... over 81 percent of cell phone users have unlimited texting capabilities thus making it free for everyone.
  • And finally, they are more environmentally friendly. Going green can be fun and at the same time save you tremendous amounts of money at your local retailer!

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Local St Louis Avon Rep:

Kristin Tapia St Louis Avon Rep and Products Specialist

Phone: 314.627.0302

St Louis Beauty and Avon Products Consultant

Kristin Tapia, St Louis Avon Rep

(TEXT) stltext avon (TO) 368674

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Serious Writers and Authors Need Unique Article Wizard:

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It is now convenient shopping from your cell phone when getting a St Louis coupon from STLTEXT.org mobile ad company. Shop with the absolute best merchants in St. Louis by getting mobile coupons for St Louis businesses.

 St Louis Mobile Coupons iPhone Apps

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