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Reid Discusses President Obama's New Housing Initiative
 
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Nevada Senator Harry Reid today discussed the release of guidelines for President Barack Obama's Making Home Affordable initiative. This new program is designed to help millions of Americans refinance or modify their mortgages, making it possible for them to stay in their homes. Combined with the foreclosure prevention funding Reid is working to secure in the omnibus appropriations bill, this plan could provide immediate relief to Nevada families. Up until today, help seemed out of reach for responsible home owners whose mortgages suddenly became unaffordable. More often than not, you had to be in default or on the brink of foreclosure to get any assistance or to renegotiate your loan, Reid said. Now, homeowners who can no longer afford their mortgage, or whose mortgages will become unaffordable very soon, are eligible to participate in the Administrations plan. To see the full text of Reids statement on this initiative please visit http://reid.senate.gov/newsroom/pr_030409_statementonobamahousing.cfm
Obama's Mortgage Rescue Plan
 
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More than 11 million homeowners are at risk of foreclosure. President Obama rolled out a new plan that he hopes will help 4 million homeowners in the next 3 years. Chip Reid reports.
Views: 1454 CBS
Obama's Housing Program: One Month Later
 
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http://www.cambridge-credit.org -- It has been over a month since the Obama administration announced the U.S. Treasury Department's Making Home Affordable program. While the initiative has its merits, many believe that it falls short of offering struggling homeowners the help they desperately need. Watch this week's webisode from Cambridge Credit Counseling Corp. to learn more. Host: Community Outreach Director, Thomas J. Fox. Transcription: Hello, and welcome to Your Money 2.0. I’m Thomas Fox, Community Outreach Director for Cambridge Credit Counseling. It has been over a month since the Obama administration announced the U.S. Treasury Department's Making Home Affordable program. While the initiative has its merits, many believe that it falls short of offering struggling homeowners the help they desperately need. To recap, the Making Home Affordable program works in two ways. First, homeowners who are on-time with an existing mortgage owned by Fannie Mae or Freddie Mac may apply for refinancing under the The Home Affordable Refinance portion of the plan. In this case, eligible loans will include those where the first mortgage does not exceed 105% of the current market value of the property. The second part of the Home Affordable Modification allows homeovners who are struggling with making their payments apply to modify their mortage to make thing more manageable. This aspect of the plan is voluntary; therefore, it is unknow how succesfull the initative will be. Both programs have a shelf life – the Home Affordable Refinance program expires in June of 2010 and the Home Affordable Modification program expires on December 31, 2012. The predominant issue affecting homeowners is the drastic decline in the value of their homes – a term known as underwater where a home is worth less than the mortgage. major limitation of the program is that it does not attack the problem of negative equity -- mortgage balances larger than the value of the homes securing the mortgages. Furthermore, 65% of the mortgages originated in 2005 and 2006 were not securitized by either Fannie Mae or Freddie Mac. This means that there is a tremendous amount of homeowners that will not be able to seek help under the program. Economist Nouriel Roubini and market analyst Meredith Whitney predict that prices in the housing market will decline by another 20 percent before they level off. Nearly half of all homeowners will be underwater and owe more on their mortgages than the current value of their homes. That will increase the foreclosures and push scores of banks into default. This logic is backed up by Merrill Lynch’s economist,David Rosenberg, as he thorises that the housing market will need another three years to achieve price stability. Given the Making Home Affordable Cambridge recently launched keepyourhome.us to further the promotion of our Home Sweet Home initiative which achiever economic stabilization through recovery of the housing sector. Well, that’s it for this edition. We welcome your feedback and ask for your thoughts and suggestions by e-mailing us at yourmoney2@cambridgecredit.org. Thank you for watching. Until next time, I’m Thomas Fox for Cambridge Credit Counseling.
President Obama on Working Through the Mortgage Crisis
 
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The President speaks after Housing Refinance Roundtable with real people who have benefited from renegotiating their mortgages and explains how millions of others can take advantage of his Making Home Affordable plan. (public domain)
Views: 24574 The Obama White House
Obama's Mortgage Rescue Plan
 
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More than 11 million homeowners are at risk of foreclosure. President Obama rolled out a new plan that he hopes will help 4 million homeowners in the next 3 years. Chip Reid reports.
Views: 1386 CBS News
Obama Administration Unveils Plan To Expand Affordable Housing
 
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Obama administration on Thursday said it would tap Treasury funds to bolster the construction of affordable rental housing and extend the life of a program aimed at helping struggling homeowners avoid foreclosure. The announcement by Treasury Secretary Jacob Lew was timed to coincide with the fifth anniversary of the Making Home Affordable program, an Obama administration initiative launched at the height of the economic crisis to revitalize the housing sector. "We need to continue to be there for homeowners who are facing foreclosure, those who are struggling with increasing interest rates on their modified mortgages, and those whose homes are caught underwater," Lew said in remarks prepared for delivery at an event to mark the program's anniversary. http://news.yahoo.com/obama-administration-unveils-plan-expand-affordable-housing-210043053--sector.html http://www.wochit.com
Views: 22 Wochit Business
White House Google+ Hangout: Mortgage Refinancing
 
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HUD Secretary Shaun Donovan hosts a Google+ Hangout moderated by Zillow to discuss the President's plan that would help millions of homeowners refinance their mortgages and save thousands of dollars a year. July 12, 2012.
Views: 9586 The Obama White House
On the Clock - Mortgage Refinance
 
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On The Clock: Jim Parrott, Senior Advisor for the National Economic council Topic: The President's mortgage refinance proposal in 60 seconds or less
Views: 7074 The Obama White House
Obama Details Broader Housing Plan
 
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President Barack Obama says the nation's housing crisis is damaging not only the U.S. economy, but also what it means to be middle class in America. (Feb. 1)
Views: 41555 Associated Press
New Second Mortgage Modifications
 
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http://www.cambridge-credit.org -- President Obama recently announced that his housing initiative was ready to expand to include second mortgage modifications. The Administration believes that ensuring a homeowners ability to stay in their home is critical to stabilizing the housing market. Once thats achieved, the logic is that the overall financial system will recover in turn. Watch this week's webisode from Cambridge Credit Counseling Corp. to learn more. Host: Community Outreach Director, Thomas J. Fox. Transcription: Hello, and welcome to Your Money 2.0. I’m Thomas Fox, Community Outreach Director at Cambridge Credit Counseling. The Obama Administration’s Making Home Affordable program has drawn a fair amount of criticism since it was announced. However, with 6 million families facing foreclosure in the coming years and countless others struggling to stay current on their mortgage payments, help was needed. The plan’s detractors focused on the omission of second mortgage modifications. Why should they be included? Second mortgages often complicate or prevent the modification or refinancing of a first mortgage because borrowers require permission from any second lien holder before an adjustment can be made. Now that 75% of mortgage servicers have begun participating in the Making Home Affordable program, President Obama recently announced that his housing initiative was ready to expand to include second mortgage modifications. The Administration believes that ensuring a homeowner’s ability to stay in their home is critical to stabilizing the housing market. Once that’s achieved, the logic is that the overall financial system will recover in turn. Given the popularity of second mortgages, it stands to reason that they’ve been included in the Making Home Affordable program. This new provision will help those with amortizing loans and those with interest-only loans. For traditional amortizing loans, or loans with monthly payments consisting of interest and principal, the administration will share the cost of reducing the interest rate on the second mortgage to 1%. Participating servicers will be required to follow specific steps to modify such loans. First, and most important, servicers must be willing to reduce interest rate to 1 percent. They’ll also need to extend the term of the modified second mortgage to the term of the modified first mortgage. After five years, the interest rate on the second lien will increase to the current interest rate on the modified first mortgage, subject to an interest rate cap. For interest-only loans, the administration will share the cost of reducing the interest rate on the second mortgage to 2%. Similarly, servicers of interest-only mortgages will need to adhere to guidelines similar to those I just outlined for amortizing loans. Alternatively, servicers will have the option to “extinguish” the second lien in return for a lump sum payment from the government, according to a pre-set formula determined by the Treasury Department. Unfortunately, because the formula equates to just pennies on the dollar, only time will tell if many servicers agree to extinguish these liens. The administration's second mortgage initiative will be funded out of $50 billion in financial rescue money that has already been allocated. As in the original plan, participation is encouraged through financial incentives that can be paid to servicers. Mortgage companies would receive $500 for each modified loan, plus $250 a year for three years, providing the borrower doesn't default. You can learn more about the Making Home Affordable program by visiting www.makinghomeaffordable.gov. Well, that’s it for this edition. We welcome your feedback and ask for your thoughts and suggestions by e-mailing us at yourmoney2@cambridgecredit.org. Thank you for watching. Until next time, I’m Thomas Fox for Cambridge Credit Counseling.
Obama's Plan Won't Help All
 
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One in five U.S. homeowners with mortgages are "underwater," meaning they owe more money to their lender than their property is worth. Ben Tracy reports on whom Obama's housing plan will help.
Views: 3527 CBS
Obama's Housing Revamp 'Weak Attempt'
 
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President Obama has announced a program in Las Vegas today, basically a revamp of the Home Affordable Refinance Program. And this new broader refinancing program is taking away some of the roadblocks, or strict requirements. So, what do we say about the overhaul, is this administration finally zeroing in on the housing crisis or is this a weak attempt? Reason's Anthony Randazzo discusses.
Views: 592 TheAlyonaShow
Home Loan Assistance
 
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SmartMoney Deputy Editor, Matthew Heimer tells us about the Home Affordable Modification Program (HAMP) implemented by the Obama administration March 26. The program is intended to help people lower their mortgage payments and stay in their homes.
Views: 396 CBS News
Will Obama Housing Plan Do Enough?
 
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President Obama's housing plan aims to help 9 million struggling homeowners avoid foreclosure, but it leaves out many borrowers who won't qualify because their homes have lost too much value. (March 4)
Views: 1469 Associated Press
Ending HAMP: President Obama's Mortgage Program that Fails Homeowners, Wastes Taxpayer $
 
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Rep. Patrick McHenry (R-NC), Chairman of the House Oversight Subcommittee on TARP, Financial Services and Bailouts of Public and Private Programs, speaks on the House Floor on the failures of the Home Affordable Modification Program and why it needs to be eliminated.
Views: 295 oversightandreform
Home Affordable Refinance Program | Dan Moralez | 616-931-4629 | Grand Rapids & Holland, Michigan
 
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*****SEE UPDATED VIDEO BY FOLLOWING THIS LINK***** https://www.youtube.com/watch?v=70-fKBxH0ZY In this video I give you the highlights on the governments HARP-Home Affordable Refinance Program. Get the latest on the HARP program by visiting my website at http://www.danmoralez.com/2012/05/20/president-obamas-revamped-harp-refinance-program/
Views: 1508 Dan Moralez
Mortgage Fraud and the Ultimate NO BID CONTRACT
 
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Homeowner Stability Act-- help for homeowners or just another Government scam? The Making Home Affordable program will offer assistance to as many as 7 to 9 million homeowners making a good-faith effort to make their mortgage payments, while attempting to prevent the destructive impact of the housing crisis on families and communities. It will not provide money to speculators, and it will target support to the working homeowners who have made every possible effort to stay current on their mortgage payments. Just as the American Recovery and Reinvestment Act works to save or create several million new jobs and the Financial Stability Plan works to get credit flowing, the Making Home Affordable program will support a recovery in the housing market and ensure that these workers can continue paying off their mortgages. By supporting low mortgage rates by strengthening confidence in Fannie Mae and Freddie Mac, providing up to 4 to 5 million homeowners with new access to refinancing and creating a comprehensive stability initiative to offer reduced monthly payments for up to 3 to 4 million at-risk homeowners, this plan brings together the government, lenders, loan servicers, investors and borrowers to share responsibility towards ensuring working Americans can afford to stay in their homes. US Treasury- Do I qualify for a mortgage abatement, reduction, rewrite, modification Mortgage Debt Relief Act forgiveness relief mortgage backed securities ron paul alex jones peter schiff george soros burning down the house real estate rick santelli we the people campaign for liberty bailout scam fraud ponzi madoff congress senate dems republicans democrats depression recession http://www.mutualfundcenter.com http://www.atlanticfinancial.com http://www.fentonreport.com/2004/08/16/health-living/scam-artists/72 http://www.fentonreport.com/2004/08/23/trends/the-internet-is-dead-%c2%a0%c2%a0-i-don%e2%80%99t-think-so/73 http://www.fentonreport.com/2004/08/30/economy/who-is-alan-greenspan/74
Views: 1867 Bruce Fenton
HARP Outreach Event - Atlanta, GA
 
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To reach homeowners still eligible for the Home Affordable Refinance Program (HARP), the Federal Housing Finance Agency (FHFA) is hosting a series of events with local housing experts and community leaders. Along with outreach efforts from lenders and local leaders, these events will help HARP eligibles get the information they need to refinance into a better mortgage. This video showcases some of the highlights of the HARP Atlanta event which was held at Ebenezer Baptist Church in Atlanta, GA on August 14, 2014. The following speakers and panelists participated in the event: FHFA DIRECTOR MEL WATT REP. JOHN LEWIS REP. DAVID SCOTT REP. HANK JOHNSON KATRINA JONES, VICE PRESIDENT, CUSTOMER ENGAGEMENT, FANNIE MAE JAMES PETTY, SENIOR VICE PRESIDENT, REGIONS BANK CARRIE HARRIS, PRESIDENT & CEO, D&E MARK MCARDLE, CHIEF HOMEOWNERSHIP PRESERVATION OFFICER, DEPARTMENT OF THE TREASURY PAUL MULLINGS, SENIOR VICE PRESIDEN, STRATEGIC BUSINESS INITIATIVES, FREDDIE MAC SANDRA THOMPSON, DEPUTY DIRECTOR OF HOUSING MISSION & GOALS, FHFA For more information about HARP, please visit: www.HARP.gov
Views: 626 FHFA Channel
White House Initiative on Elder Abuse and Financial Exploitation Opening Session
 
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The White House Office of Public Engagement, in collaboration with the Administration for Community Living, the Department of Justice, and the Consumer Financial Protection Bureau, hosts an event highlighting elder abuse and financial exploitation, featuring Administration officials as well as individuals and organizations committed to addressing elder abuse and financial exploitation in their local communities. June 14, 2012.
Views: 3298 The Obama White House
HARP Outreach Event Highlights - Chicago, IL
 
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To reach homeowners still eligible for the Home Affordable Refinance Program (HARP), the Federal Housing Finance Agency (FHFA) is hosting a series of events with local housing experts and community leaders. Along with outreach efforts from lenders and local leaders, these events will help HARP eligibles get the information they need to refinance into a better mortgage. This video showcases some of the highlights of the HARP Chicago event which was held at Woodson Regional Library in Chicago, IL on July 8, 2014. The following speakers and panelists participated in the event: FHFA Director Mel Watt Rep. Bobby Rush Ed Jacob, Executive Director, Neighborhood Housing Services of Chicago, Inc. Paul Mullings, Senior Vice President, Single-Family Strategic Business Initiatives, Freddie Mac Russ Cross, Regional Manager, Wells Fargo Kristy Wiliams Fercho, Senior Vice President, Customer Engagement, Fannie Mae Tim Bowler, Acting Assistant Secretary for Financial Stability, Treasury Department Sandra Thompson, FHFA, Deputy Director for the Division of Housing Mission and Goals For more information about HARP, please visit: www.HARP.gov
Views: 297 FHFA Channel
We offer new Government Refinance Plans like the Home Affordable Refinance Program HARP
 
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Avrus is licensed HARP lenders who can offer the Presidents refinance plan, and other new refinance programs approved by the White House
The President Explains His Larger Vision on the Economy
 
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The President explains his larger vision for the economy. The past three months have seem a storm of activity from the White House, with initiatives on housing, the markets, the auto industry, small businesses, international financial cooperation, and job creation through the Recovery Act. The President explains the strategy that has served as the foundation for every major initiative on the economy thus far. Georgetown University, April 14, 2009 (public domain)
Views: 25866 The Obama White House
HARP 2.0 Refinance Overview FAQ
 
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An overview of the Home Affordable Refinance Program (HARP) offered by Fannie Mae and Freddie Mac. We also touch briefly on the new and updated FHA streamline program which is available for 2012.
Views: 3146 theryanmortgageteam
Weekly Address: Congress Should Keep America Moving Forward
 
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In this week's address, President Obama says that Congress should act to keep our nation moving forward by keeping taxes low for 98 percent of Americans, cutting red tape so responsible homeowners can save about $3,000 a year on their mortgage by refinancing at lower rates, and creating a veterans jobs corps to help our returning heroes find work.
Views: 29786 The Obama White House
The mortgage relief plan
 
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According to the center for Responsible Lending, a new family enters into foreclosure every 13 seconds. President Obama has announced the Homeowner Affordability and Stability Plan to help up to 7 to 9 million families restructure or refinance their mortgages to avoid foreclosure. But what does this plan entitles, how exactly does it work, who qualifies, and what do they need to do to benefit?
Making Home Affordable Program Part I The Refinance Initiative
 
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http://stk.ly/iCwo8Y Click the link to get FREE information about mortgage programs.
Views: 26 yettagraef84
Harp 2.0 - Changes are not Just Another Useless Government Program!
 
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Not Just Another "Useless" Government Program, HARP 2.0 Changes Actually Help Southern California Homeowners This just in ... The United States Government did something right! Finally after dozens of failed attempts at Economic Stimulus, the HARP 2.0 Changes have actually helped people..Some people, and the help is limited to a select group who plan on staying in their home for a long time or the select few who are not too "Upside down" on their mortgage. Listen in as the group discusses these changes and reasons it may or may not help the Homeowners of Long Beach CA, Seal Beach CA, and surrounding cities. Remember, it's a "Refinance" program, so you may get a better rate, you may have a lower payment, but remember your house is still worth half of what it was when you got the loan! Keeping you Informed, That's what we do at Keeping It Real Estate! @KeepingItRELB (562) 888-BEACH KeepingItRealEstateOnTheBeach@gmail.com
President Obama -  June 4th, 2016 - Video Caption - Building on America’s Economic Recovery
 
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June 04, 2016 Weekly Address: Building on America’s Economic Recovery WASHINGTON, DC — In this week's address, the President discussed his return to Elkhart, Indiana, the first town he visited as President and one that was among the hardest-hit by the worst economic crisis of our lifetimes. Seven years later, unemployment in Elkhart has fallen from a high of nearly 20 percent to around four percent; more families are back on sturdy ground; more are covered by health insurance; and more students are graduating from high school. Elkhart is symbolic of America’s recovery, and that progress is due to the sacrifices of hardworking Americans and a series of smart decisions the President made early in his presidency, such as rescuing the auto industry, helping families refinance their homes, and investing in job training, high-tech manufacturing, clean energy, and the infrastructure that creates good new jobs. The President emphasized that we must continue to come together around common economic goals and push back against policies that protect powerful interests instead of working Americans. That’s the choice America will make this year, and the President believes the future will be brighter if this country works together to build on the progress this country has made in the months and years ahead. The audio of the address and video of the address will be available online at www.whitehouse.gov at 6:00AM EDT, June 4, 2016. Remarks of President Barack Obama as Delivered Weekly Address The White House June 4, 2016 Elkhart, Indiana was the first town I visited as President. I’d been on the job for three weeks, and we were just a few months into the worst economic crisis of our lifetimes. Elkhart was hit harder than most. Unemployment there peaked at nearly twenty percent shortly after my visit. Nearly one in five people there were out of work. This week, I returned to Elkhart. Unemployment there has now fallen to around four percent. More families are back on sturdy ground; more are covered by health insurance; more of their kids are graduating from high school. And it’s no accident – it’s because people there worked hard, and sacrificed, and looked out for each other. But it’s also because we made a series of smart decisions early in my presidency. To rescue the auto industry. To help families refinance their homes. To invest in things like high-tech manufacturing, clean energy, and the infrastructure that creates good new jobs – not to mention the job training that helps folks earn new skills to fill those jobs. The results are clear. America’s businesses have created 14.5 million new jobs over 75 straight months. We’ve seen the first sustained manufacturing growth since the nineties. We’ve cut unemployment by more than half. Another 20 million Americans have health insurance. And we’ve cut our deficits by nearly 75 percent. We haven’t fixed everything. Wages, while growing again, need to grow faster. The gap between the rich and everyone else is still way too wide. Republicans in Congress have repeatedly blocked investments and initiatives that would have created jobs faster. But the middle class isn’t getting squeezed because of minorities, or immigrants, or moochers, or anyone else we’re told to blame for our problems. If we’re going to fix what needs fixing, we can’t divide ourselves. We’ve got to come together, around our common economic goals. We’ve got to push back against policies that protect powerful special interests, and push for a better deal for all working Americans. That’s the choice you’ll get to make this year. Between policies that raise wages, and policies that won’t. Between strengthening Social Security and making it more generous, or making it harder to help people save and retire. Between strengthening the rules we put on Wall Street to prevent another crisis, or dismantling them. Between a tax code that’s fair for working families, or wasteful tax cuts for a fortunate few at the very top. Over the past seven years, we’ve proven that progress is possible. But it’s not inevitable. It depends on us. It depends on the choices we make. And if we come together, around our common values, and our belief in opportunity for everyone who puts in the effort – then we’ll deliver on a brighter future for all of us. Thanks, and have a great weekend.
Views: 934 ListenAndReadAlong
Update on  HARP II Refinance Program Feb 2012
 
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http://www.thecameronteam.com/ Jeff Cameron MRW Homes 480-502-7699 What is the new HARP II program and how does it affect you? The new HARP II program is out and available as of mid March. This means for borrowers upside down stuck with a hirer rate than available today, they can refinance. No income verification. Low FICO scores ok. This program will help people avoid doing a short sale or going to foreclosure. How will HARP II affect the economy? If, for example, 5 million home owners refinance and save on average $300 per month then consumers will have $1,500,000,000 or $1.5 Billion more per month to spend or save. That would add $18 Billion in sales for the year. Thank you to Duke Pyle with Academy Quick Close 10 - 14 Day Close Guarantee for Conventional and FHA 80% ltv Jumbo with 620 FICO. Ask Today! Direct: 602-619-8008 Efax: 480-393-7701 Email: Duke.Pyle@AcademyMortgage.com Web: AcademyMortgage.com/DukePyle 17015 North Scottsdale Road Suite 300 Scottsdale, Arizona 85255 NMLS #218507 LO-0913881 Corporate NMLS #3113 MB-0904081 Created on February 7, 2012 using FlipShare. HomeSmart Jeff Cameron (480) 652-2004
Views: 1118 The Cameron Team
Intro to Residential Property Assessed Clean Energy (PACE)
 
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Lean about the basics of PACE for homes. Learn what differentiates PACE from typical home loans, the associated benefits, and how to get PACE in your location if it's not available yet. Lessons Learned - Understand how to use PACE financing to fund above code energy / water efficient and healthier buildings - Articulate where to get more information about PACE financing in their state or county to use it for the welfare of all - Learn the need to get involved locally or at a state level to get residential PACE approved - Realize the potential of PACE to cover up front costs to safer and more sustainable building projects Continuing Education Units (CEUS) GBCI AIA(HSW) NARI Green Certified Green Professional (CGP) AIBD Certified GreenHome Professional (CGHP) May be applicable to your state-based design or contractor license* Instructor Elyssa Rothe joined PACENation in January 2016, after working with Energize NY, NY State’s PACE program, for 4 years. She has spent her career working in the clean energy sector, primarily under several marketing and outreach contracts for the New York State Energy Research and Development Authority (NYSERDA). She currently serves on the Board of Directors for 2 non-profit organizations in Westchester County. Elyssa graduated from New York University with a bachelor’s degree in social entrepreneurship, and received a Professional Certificate in Fundraising from NYU in 2014. Take your continuing education quiz here and grab more resources as well https://greenhomeinstitute.org/courses/use-residential-property-assessed-clean-energy-financing-pace-101/
Views: 562 GreenHome Institute
President Obama -  June 4th, 2016 - Weekly Address - Building on America’s Economic Recovery
 
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June 04, 2016 Weekly Address: Building on America’s Economic Recovery WASHINGTON, DC — In this week's address, the President discussed his return to Elkhart, Indiana, the first town he visited as President and one that was among the hardest-hit by the worst economic crisis of our lifetimes. Seven years later, unemployment in Elkhart has fallen from a high of nearly 20 percent to around four percent; more families are back on sturdy ground; more are covered by health insurance; and more students are graduating from high school. Elkhart is symbolic of America’s recovery, and that progress is due to the sacrifices of hardworking Americans and a series of smart decisions the President made early in his presidency, such as rescuing the auto industry, helping families refinance their homes, and investing in job training, high-tech manufacturing, clean energy, and the infrastructure that creates good new jobs. The President emphasized that we must continue to come together around common economic goals and push back against policies that protect powerful interests instead of working Americans. That’s the choice America will make this year, and the President believes the future will be brighter if this country works together to build on the progress this country has made in the months and years ahead. The audio of the address and video of the address will be available online at www.whitehouse.gov at 6:00AM EDT, June 4, 2016. Remarks of President Barack Obama as Delivered Weekly Address The White House June 4, 2016 Elkhart, Indiana was the first town I visited as President. I’d been on the job for three weeks, and we were just a few months into the worst economic crisis of our lifetimes. Elkhart was hit harder than most. Unemployment there peaked at nearly twenty percent shortly after my visit. Nearly one in five people there were out of work. This week, I returned to Elkhart. Unemployment there has now fallen to around four percent. More families are back on sturdy ground; more are covered by health insurance; more of their kids are graduating from high school. And it’s no accident – it’s because people there worked hard, and sacrificed, and looked out for each other. But it’s also because we made a series of smart decisions early in my presidency. To rescue the auto industry. To help families refinance their homes. To invest in things like high-tech manufacturing, clean energy, and the infrastructure that creates good new jobs – not to mention the job training that helps folks earn new skills to fill those jobs. The results are clear. America’s businesses have created 14.5 million new jobs over 75 straight months. We’ve seen the first sustained manufacturing growth since the nineties. We’ve cut unemployment by more than half. Another 20 million Americans have health insurance. And we’ve cut our deficits by nearly 75 percent. We haven’t fixed everything. Wages, while growing again, need to grow faster. The gap between the rich and everyone else is still way too wide. Republicans in Congress have repeatedly blocked investments and initiatives that would have created jobs faster. But the middle class isn’t getting squeezed because of minorities, or immigrants, or moochers, or anyone else we’re told to blame for our problems. If we’re going to fix what needs fixing, we can’t divide ourselves. We’ve got to come together, around our common economic goals. We’ve got to push back against policies that protect powerful special interests, and push for a better deal for all working Americans. That’s the choice you’ll get to make this year. Between policies that raise wages, and policies that won’t. Between strengthening Social Security and making it more generous, or making it harder to help people save and retire. Between strengthening the rules we put on Wall Street to prevent another crisis, or dismantling them. Between a tax code that’s fair for working families, or wasteful tax cuts for a fortunate few at the very top. Over the past seven years, we’ve proven that progress is possible. But it’s not inevitable. It depends on us. It depends on the choices we make. And if we come together, around our common values, and our belief in opportunity for everyone who puts in the effort – then we’ll deliver on a brighter future for all of us. Thanks, and have a great weekend.
Views: 729 ListenAndReadAlong
Home Affordability Refinance Program H.A.R.P.
 
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http://www.FaceBook.com/MoJoRealEstate http://www.MortonJones-RealEstate.com http://www.MortonJonesRealEstate.com A short video on the Home Affordability Refinance Program. H.A.R.P. is for people are upside down owing on their loan than the home will sell for in todays market and want to refinance at a lower interest rate making their home more affordable. http://www.making-homes-affordable.com/
Views: 493 MoJoRealEstate
Utah HARP 2.0 Mortgage Refinances and how Mortgage Insurance (MI) can help or hurt your Refinance
 
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Utah HARP 2.0 Mortgage Refinance Loans are brand new. The Government made a lot of changes to these programs but in my opinion missed their mark on quite a few issues. If you considered a HARP loan you and contacted a mortgage broker to help you, you may have been faced with a denial based upon some of these issues. Mortgage Insurance is one of those issues. Mortgage Insurance has doubled and tripled in price over the years and while you may be able to lower your mortgage rate the increase in Mortgage Insurance has in most cases eliminated that savings. Most HARP 2.0 lenders cannot help you if you have Mortgage Insurance. That is until NOW! The Mortgage Solutions TEAM is the first to find a solution to help you take advantage of these historic low interest rates even if you have been turned down somewhere else or are paying mortgage insurance. Don't believe me? We have hundreds of HARP refinance clients that have been turned down somewhere else that we have helped take advantage of this limited time HARP 2.0 program. Your best bet is to give me a call at 801-230-3107 and let me and my team create the solution for you. You can visit us on the web at www.mymtgsolution.com or on Facebook at www.facebook.com/mortgagedeals. I hope you found the video and description informative. If you are a Utah Resident that is underwater on your home or just want to get a lower rate. Give us a call today! Additional useless Tags: "HARP 2.0 Mortgage Refinance Utah" "Salt Lake City Harp Loan" "Utah upside down on mortgage" "Utah HARP Mortgage loan" "Utah HARP Refinance" "refinance harp loan utah" "harp refinance utah" "harp loan utah" "harp mortgage loan utah" "harp mortgage loans utah" "harp lender utah" "refinance fannie mae loan utah" "draper utah harp mortgage" "draper utah harp loan" "draper utah harp refinance" "salt lake city harp refinance" "harp utah loans" "harp utah mortgage loans" "utah harp mortgage loans" Draper Utah HARP Mortgage, South Jordan HARP Mortgage, Sandy Utah HARP Mortgage, Murray Utah HARP Mortgage, Provo HARP Mortgage, West Jordan HARP Mortgage, Tooele HARP Mortgage, Orem HARP Mortgage, Bountiful HARP Mortgage, St. George HARP Mortgage, Logan HARP Mortgage, Herriman HARP Mortgage, Riverton HARP Mortgage, Lehi HARP Mortgage, West Valley HARP Mortgage, Taylorsville HARP Mortgage, Park City HARP Mortgage, Vernal HARP Mortgage,
Bill Clinton Rallies Democrats in Arkansas
 
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Oct. 6: Former President Bill Clinton rallies Democrats in Arkansas. -- Subscribe to Bloomberg on YouTube: http://www.youtube.com/Bloomberg -- Subscribe to Bloomberg on YouTube: http://www.youtube.com/Bloomberg Bloomberg Television offers extensive coverage and analysis of international business news and stories of global importance. It is available in more than 310 million households worldwide and reaches the most affluent and influential viewers in terms of household income, asset value and education levels. With production hubs in London, New York and Hong Kong, the network provides 24-hour continuous coverage of the people, companies and ideas that move the markets.
Views: 7016 Bloomberg
UPSIDE IN YOUR HOME REFINANCE 125% LTV WITH A HARP LOAN !
 
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http://www.utahlowrate.com/home.html WE CAN REFINANCE YOUR MORTAGE UP TO 125% LTV WITH A HARP REFI PLUS LOAN , ALL LOANS MUST BE DATED ON OR BEFORE MARCH 2009 , CLICK THE LINK TO THE ADDRESS LOOKUP TO SEE IF YOUR LOAN IS A FANNIE MAE OR A FREDDIE MAC LOAN. http://www.utahlowrate.com/loanOptions/Featured/%20FANNIE%20MAE%20OR%20FREDDIE%20MAC%20ADDRESS%20LOOK%20UP%20TOOL%20%21/ DANIEL PARIS 801-604-4949 WWW.UTAHLOWRATE.COM DANIEL PARIS APPLY ONLINE AT www.utahlowrate.com Professional Mortgage Loan Specialist Christian Roberts Mortgage 512 E Winchester Plaza Murray, UT 84107 (801) 604-4949 mobile (888) 880-3472 direct fax danparis02@hotmail.com NMLS# 943276 -3138
Views: 456 Daniel Paris
DN! Obama to Announce New Program to Help Homeowners
 
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Obama to Announce New Program to Help Homeowners The Obama administration is expected to announce today broad new initiatives to help troubled homeowners, potentially refinancing several million of them into fresh government-backed mortgages with lower payments. Part of the plan will help the jobless and those underwater with mortgages bigger than their homes value. Many details of the administrations plan remain unclear.
Views: 57 StartLoving3
New CitiMortgage Help Plan Falls Short
 
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Freedmont Mortgage CEO Carl Delmont explains how the CityMortgage plan to help struggling homeowners does not go far enough to help people refinance into more suitable loans.
Views: 927 freedmontmortgage
Making Home Affordable Modification
 
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http://www.the2mortgageguys.com In this video we'll explain the Modification portion of the Making Home Affordable housing initiative rolled out by the Obama administration. If you're nervous about making your next house payment this video may present a solution for you.
Views: 1697 The2MortgageGuys
Obama Unveils Plan
 
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Obama Unveils "Making Home Affordable" plan to help distressed homeowners.
Views: 357 FairLendingGuru
President Obama, meet another Senior Denied the Making Home Affordable Program
 
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http://stk.ly/iCwo8Y Click the link to get FREE information about mortgage programs.
Views: 85 yettagraef84
"Making Home Affordable Program"
 
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See if you qualify mateomortgage@Hotmail.com 480-688-9722
Views: 672 Mateo Garcia
New HARP Program- Will it work
 
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The new HARP program has some great features, but the issue is, it does not solve the problem of being underwater. http://EastValleyTeam.com
Views: 697 deanouellette
DSNews Report: HARP and HAMP Extended to 2016
 
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Source: https://www.spreaker.com/user/leehonish/dsnews-report-harp-and-hamp-extended-to- The Federal Housing Finance Agency officially announced that the deadline for the Home Affordable Refinance Program has been extended to the end of 2016, matching the deadline of the Home Affordable Modification Program. "Although the number of new borrowers entering these two programs continues to decline, in part because many eligible borrowers have already taken advantage of them and in part because of recovering house prices, lenders and servicers are continuing to approve new HAMP modifications and HARP refinances," FHFA Director Mel Watt said at the Greenlining Institute's 22nd Annual Economic Summit in Los Angeles. "Extending HAMP and HARP through the end of 2016 will provide real relief for borrowers who continue to face challenges either paying their mortgage or refinancing their loan," Watt said. So far, nearly 3.3 million borrowers have already taken advantage of HARP to reduce their monthly payments and obtain some financial relief. Both HAMP and HARP were originally launched in 2009 to provide relief to borrowers by lowering their monthly payments and were set to expire on Dec. 31, 2013. However, in June 2014, U.S. Treasury Secretary Jacob Lew announced several initiatives designed to spur the flailing housing market, including the extension of HAMP until Dec. 31, 2016. "This innovative program has provided relief to homeowners across the country, including more than a million homeowners who have been able to permanently modify their mortgages through HAMP and save roughly $540 a month in mortgage payments," Lew said at the time of the announcement. "The Making Home Affordable Program is not just helping families keep their homes, it is giving families peace of mind." Back in 2013, the Department of Housing and Urban Development teamed up with the Treasury Department to announce an extension of the Obama administration's Making Home Affordable Program through Dec. 31, 2015. The then deadline was determined in coordination with the FHFAto align with extended deadlines for the Home Affordable Refinance Program and the Streamlined Modification Initiative for homeowners with loans owned or guaranteed by Fannie Mae and Freddie Mac. As a result, after the second announcement of a HAMP extension in June 2014, it was rumored that HARP would be extended as well, since the FHFA did just that when both programs were extended for the first time in 2013. Once again, talks quickly spread on the potential of a HARP extension after a town hall meeting on the Home Affordable Refinance Program in Newark, New Jersey, in March 2015. Watt once again put an end to the rumors, explaining the next day that what he was saying is that the FHFA doesn't like to leave any option off the table, but that didn't mean that the agency was in any talks to pursue either an extension or expansion, just that anything was possible. And possible just became reality. While this will be the last time HAMP will ever be extended, there is still a chance that HARP could be revived. "HAMP and HARP were never intended to be permanent programs. As a result, this will be the final extension that FHFA will make for the Enterprises' participation in HAMP and we anticipate that this will also be the final extension for HARP," Watt said. "FHFA will use the time between now and the end of 2016 to consider how best to build on the lessons of HAMP for 2017 and beyond. In the meantime, we have determined that it is appropriate to maintain the Enterprises' streamlined modification program as part of their loss mitigation toolkit," he continued. Last year, Watt started a nationwide public campaign to visit targeted cities with the highest number of in-the-money borrowers who have yet to take advantage of a HARP refinance in order to help spur participation. According to an interactive map on the FHFA's website, there are more than 600,000 borrowers nationwide who would still benefit from HARP.
Views: 61 Perfect Blu Studio
HARP 2.0:  HARP 2.0 for Second Homes and Investment Property
 
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While it is common knowledge that eligible residential homeowners can use HARP 2.0 to lower their mortgage rates, those with second homes and investment property can also use this program to reduce their mortgage expenses. In particular, HARP 2.0 for investment property can help increase the yields on those investments. FreeRateUpdate.com is helping consumers find HARP 2.0 Lenders. Take advantage of the HARP 2.0 Refinance Loan Program and get the lowest HARP 2.0 Refinance Loan Rates through http://FreeRateUpdate.com.
Views: 92 FreeRateUpdate
HARP PROGRAM UPDATES (UNDERWATER REFINANCES)
 
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www.RyanHoffmanHomeLoans.com We'll update you with another video once we have the full guidelines, but for now it looks good and everyone should be ready so we can refinance as soon as we know. Ryan Hoffman Loan officer Wholesale Capital Corp 951-488-3114 RHoffman@wccloans.com
Views: 252 Ryan Hoffman
Government Initiatives - HASP, HAMP, HARP, HAFA
 
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Distressed property expert Chris Sommer gives a brief history on the success and failures of the government initiatives programs, and which one could help you. Hope for Homeowners Consulting has an experienced team & relationships with some of the area's best real estate agents, property managers and attorneys. So...if you know someone drowning in debt, call H4H Consulting...we will help them 'Chart their course' back to safety and sanity! http://h4hconsulting.com 800.604.0266
Views: 1607 h4hconsulting
HARP Home Affordable Act video  avi format
 
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You may qualify for The Government Refinance Plan Avrus Financial & Mortgage Services are HARP lenders offer the affordable refinance program. If your loan is owed by Fannie Mae, or Freddie Mac the federal government invites you to become a part of their loan modification programs through a licensed lender today!
HARP 2.0 Update
 
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Mark Baker, Sierra Pacific Mortgage, provides and update to the HARP 2.0 Refinance Program.
Views: 129 MarkABakerTeam
How Does A Loan Modification Work - Things You Must Know To Save Your Family's Home
 
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http://makinghomeaffordable.wowproductreviews.com This is helpful information about how a loan modification works. Several options for modifications are covered. making home affordable making homes affordable making homes affordable act making homes affordable act making homes affordable act making homes affordable gov making homes affordable gov making homes affordable guidelines making homes affordable guidelines making homes affordable initiative making homes affordable initiative making homes affordable modification making homes affordable org making homes affordable phase 2 making homes affordable plan making homes affordable pmi making homes affordable pmi making homes affordable program making homes affordable refinance making homes more affordable making homes more affordable gov making homes more affordable gov affordable home payment affordable home payment making homes affordable making homes affordable program federal mortgage assistance making home affordable making homes affordable making homes affordable act making homes affordable gov making homes affordable guidelines making homes affordable initiative making homes affordable modification making homes affordable org making homes affordable phase 2 making homes affordable plan making homes affordable pmi making homes affordable program making homes affordable refinance making homes more affordable making homes more affordable gov affordable home loan modification home affordable loan modification home loan modification home loan modification program home loan modifications home loans modification home loans modification home mortgage loan modification home mortgage loan modification modification of home loan modification of home loan modification of home loan mortgage home loan modification mortgage home loan modification affordable home payment making homes affordable federal mortgage assistance
Views: 447 KenPeterson100
Does Freddie Own My Loan - HARP 2.0
 
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With all the buzz around the popular HARP 2.0 refinance program, many folks seem to be asking how they would go about finding out whether Freddie Mac or Fannie Mae has their loan. Nearly 80% of all conventional mortgages are actually backed by Fannie or Freddie even if they are serviced by another lender (such as Wells Fargo, Bank of America, Chase, PNC, Regions, Citibank, etc). Below is a quick video that shows exactly how to check "does Freddie own my loan?" Freddie Mac Loan Lookup Tool: https://ww3.freddiemac.com/corporate For more information or to find out how you can get the best HARP 2.0 rates, check out: http://www.portfoliomortgages.com/does-freddie-own-my-loan-harp-2-0
Views: 97 Joe HotRateQuote