J H.

Our Law Firm has had over a decade of experience in helping home owners avoid foreclosure. While other so called attorney based Loan modification companies hire attorneys to "oversee" cases, our attorney actually negotiates and is active with every case. In addition to our attorney, we have a licensed and trained staff that has specialized in loss mitigation for over a decade that is also actively involved in every case. We are licensed with the DRE and have AA Better Business Bureau Rating. Our high success rate is due to our attorneys expertise. Our Company is looking to hire Realtors and Mortgage Professionals to enroll your clients in our foreclosure program.

. Full Training Provided
. Website Provided
. Company Email Provided
. Marketing Materials Provided
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Please email Admin@ejhomesolutions.com for more information.

Is this all that our government can do to help?

Here are some highlighted major flaws in Obamas Plan. As you will see below, most people will not qualify to take advantage of his proposed initiative.


1. Applicants for assistance will have to meet tough government guidelines to receive the benefits of Obamas plan. The standards are intended to discourage financially-healthier homeowners from purposely withholding mortgage payments to try to qualify for government help.


Note:(most people aren't withholding payments intentionally for no reason, the lenders are telling them to do this before they will help them, and they the lenders are so overwhelmed that they still do not help them).


2. Families whose income has significantly been cut -- will not be able to qualify because they just won't earn enough income to qualify for a new refinance loan.


3.The goal of the plan would be to make mortgages more affordable for qualifying homeowners.

Note: (Who qualifies anymore? We're in a recession)

4. It won't help many people where house prices have fallen most: California, South Florida, Las Vegas and Phoenix. A lot of these people won't be eligible for refinancing because they owe much more than their houses are worth.


5. It provides a path to refinancing for people whose loans were securitized by Fannie Mae or Freddie Mac. Millions of homeowners have mortgages that were securitized, but not by Fannie Mae or Freddie Mac. The refinancing for “underwater” homeowners — those whose outstanding mortgages are larger than the worth of their homes — is available only to those with loans backed by Fannie and Freddie.
*

6.
"We must stem the spread of foreclosures and falling home values for all Americans and do everything we can to help responsible homeowners stay in their homes.
" People who got conforming mortgages and who have never fallen seriously behind on the monthly payments might qualify to refinance at lower interest rates -- even if they owe as much as the house is worth.
"

Note: Responsible Home Owners, I love it! So everyone who has been cut from their job or demoted, is now considered irresponsible home owners???? Unbelievable!!
I admit there are some people that were irresponsible to began with, but what about those that are victims to the recession?


7. Few mortgages for more than $417,000 will qualify for refinances because that is the conforming limit.


8. "David John, a housing expert at the Heritage Foundation, wondered how servicers, who are already swamped with refinancing requests from solvent homeowners, could handle the flood of new demand. “They’re going to be overwhelmed,” he said.
"

NOTE TO EVERYONE: They already are overwhelmed!!!!

This is an Article that I found that is a good example of Why Obamas Plan will not help most home owners.Lasvegasnow. com) Also on LasVgasNow. com


Obama Unveils $75 Billion Mortgage Relief Plan

Wally Grogitsky, owner of Certified Carpet Cleaning, is getting a dream home ready for a first time home buyer.


Grogitsky makes sure everything is cleaned up for the installers so this house is ready to become a home. Unfortunately he has to do the same with his own home - one he is trying desperately to sell, "We need to pay what we owe, however we can.
"

The economy has hit his carpet cleaning business hard, making bills difficult to pay, "If you are not making money, you are not getting your carpets cleaned. Sorry, you'll go rent a Rug Doctor or not get it cleaned at all. I become a luxury, not a necessity.
"

Lenders are not willing to offer many options to homeowners, leaving them little choice -- try to sell or face foreclosure. Grogitsky is hoping a short sell will work for his family, "We were not greedy. We were not crazy. We were not misled by anyone. We got a good, fixed rate on a good house, but the market fell out from underneath that house and we cannot refinance to lower the payment or do anything that would make it better.
"


When business was good, Grogotsky says his family could afford the mortgage. But times have changed. Even though business is down, his higher income makes it hard to get help. He's forced to choose between his house, and paying for a child's college tuition.


Grogitsky hopes, over time, he's able to work out of the hole the current economy created. While the Obama plan probably won't help him, he hopes it will help others, "That is why we have someone in the office now -- in the White House office -- that thinks he knows what he is doing, and I hope he does.
"

Grogitsky says if he were able to lower his interest rate, lowering his monthly payment, he would be able to stay in his home. Lenders are waiting to see the Obama plan will require them to change mortgage terms get federal funding.



..

What do you do when homes are sitting on the market for months? What do you do when its tough to approve a loan for your good credit clients? It's a tough market out there now in the Real Estate and Mortgage world.
I mean...goodness, our superiors are at the white house front door with their beggar hats asking for hand outs!

It's a shame, a down right shame. So what do you do now? I like to say, in every crisis, their is a window of opportunity. Their is always money to be made, you just have to find out where and how. The first thing to do is ask yourself:

1. What is the main problem?

Answer: Foreclosures

2. Why is that the problem?

Answer: Bad loans were written and interest rates are adjusting. People cannot afford to pay their mortgages.

3. How can I help satisfy this need?

Answer: Loan Modifications

You can make money doing loan modifications. Is it bad to take advantage of this situation? Absolutely not, unless you are planning on taking advantage of people and using unethical business practices. There is nothing wrong with taking advantage of a situation and capitalizing on a market.

At Elite Mortgage Solutions and Law Offices of Rhonda Walker we have a very high Success Rate. Our legal staff and attorney has specialized in foreclosure and loan modification services for clients for over a decade. We are offering you an excellent opportunity to take advantage of the market and make a lot of money helping a lot of people. Obama's new initiative plan cuts outs millions of home owners who still need help.

Ask Yourself this:

1. How many contacts do I have that have been turned down for a refinance, They have ARM's, or experience a hardship?

2. How many calls have I received from people asking about Loan modification programs that I have had to turn down?

3. Why not get paid $500.00 per file + bonuses to refer my clients to a law firm that has the highest integrity, a high success rate, a licensed and trained staff, and actually specializes in foreclosure services?

Email me today at Admin@ejhomesoutions.com for more information on referring your clients to our Loan modification program. You can help us in our goal of saving one home at a Time.

www.Ejhomesolutions.com

MSNBC Reported a horrifying result of this mortgage foreclosure crisis: Pet
Owners abandoning their dogs and cats after foreclosure. These pets are left behind in homes, on the streets, and ending up dead on the streets and the highways.

Pets “are getting dumped all over,” said Traci Jennings, president of the Humane Society of Stanislaus County in northern California. “Farmers are finding dogs dumped on their grazing grounds, while house cats are showing up in wild cat colonies.”
Inspectors, real estate agents, bank reps, and new home owners are finding starving abandoned animals still locked in the houses or tied to trees in the back yard.

The Animal Humane society and shelters are urging people to please send your pet to the animal shelter, post your pets up for adoption on Craigslist, OOdle, Myspace classifieds, Newspapers, or Pennysaver ads. Abandoned foreclosure pets is a growing epidemic. It can be avoided.....do our friendly pets a favor and take care of them even if you are in a crisis. Dumping them is not the answer.

 If you or if you know someone that is in foreclosure, or in fear of losing their home please refer them to a Loan Modification program. Elite Mortgage Solution inc. has a high success rate using our law firm based Loan Modification program.  We have over 10 years experience with foreclsures and loss mitigation trained staff. We can help even if their payments are current or before their interest rates adjust.
You can visit us here for free information and a free consultation.  

"We are looking to Hire Mortgage consultans and Real Estate Agents to help your clients get a loan modification." Excellent pay ($500.00 PER FILE ).

www.EJhomesolutions.com

"Don't Leave Our Pets Behind"