Las Vegas Loan Modification

What employers in Las Vegas region offer jobs that pay at least $20/hour these days? From reading online it seems pretty bleak now. I saw some ads for loan modification specialists, but are those jobs scams? Are they commission only?
I’d also be interested in hearing what the average monthly electric bill is for a one bedroom apartment in Las Vegas area. I’m worried that having to have AC on constantly would result in sky-high electric bills. I’m used to New England climate.
what about white-collar jobs in IT, finance, or accounting industries? names of specific companies would be helpful

scam yes.
commission they will work you 3 days do not meet goal, release you.
$20 is near impossible here. right now.
do you have a license. plumber, elevator.
you can make it then
if not, sorry.

We purchased our home Feb 2007 and paid $214,000. My husband had terrible credit at the time and the only loan we could qualify for was a 5 year arm at 9% interest. We pay all interest, no principal. We never thought anything about this loan. We thought we would just re-finance in 5 years, have enough time to repair his credit and have 5 years of great payments.. Little did we know the housing market crashed along with the job market. My husband works in the construction industry in Las Vegas, which in my opinion was hit VERY hard. He still has a job but isnt working enough to pay bills. As of last month, I could not make our house payment.
Yesterday I recieved a letter from Bank of America (our lender) saying that if we did not make pay $3500 by Jan 2 2010 they would start foreclosure proceedings!! I’m at a total loss! I dont know what to do!
I called them this morning and they said that we quailfy for a new modification that just came out but it only saves us $100 a month! They put me through to the modification specialist, but I was not prepared to talk with them and I had no information for them.

My questions is, in your opinion, do you think we will qualify for modification?? I called in a few months back, before my husbands work got really slow and they said I was not elligable. I really have no options. We had a $20000+ drop in income this year.. Any help would be great!!

It isn’t possible to tell from the information you provided whether or not you will qualify for a loan modification. There are typically two factors that your lender will evaluate when deciding whether or not to offer a loan modification, and exactly how to modify your loan.

The first is that there must be a legitimate and demonstrable financial hardship. From the details in your question, it definitely appears that you meet the financial hardship criteria.
The second factor is the financial analysis. Your lender must be convinced that you’ll be able to meet your financial obligations after they modify your loan because they don’t want end up in the same situation down the road. The lender will take into account your entire financial profile - all of your current income and monthly expenses, in their decision.

There is, however, a third consideration which may significantly improve your chances of getting a loan modification - a real loan modification… not the $100/month savings that the bank offered you. And you’ll never hear about this factor if you’re dealing directly with your lender. That third consideration is whether there were any violations of federal or state laws in the origination, servicing, or collection of your home loan. You see, a very large percentage (upwards of 75%) of home loans (especially sub-prime and no documentation loans) originated between 2001 and 2007 contained violations. Many of these loans contained multiple violations. Any such violations that occurred in your loan can be used as leverage to get the lender to modify your loan, or offer a much better loan modification than they would have otherwise. For this reason, I recommend that anyone considering a loan modification first get a forensic home loan audit.

The #1 goal of the forensic loan audit is to determine whether there were violations of federal and/or state laws in the borrower’s home loan. If any violations are found, the homeowner’s modification request has added legal strength during negotiations. Basically, what happens during the forensic loan audit is that all of the homeowner’s loan and disclosure documents are thoroughly reviewed by experienced underwriting, fraud, and compliance professionals, who are searching for any violations in the following areas:

RESPA – Real Estate Settlement Procedures Act
TILA – Truth in Lending Act
Individual state violations

The forensic loan audit is designed to bring any such violations to the forefront, thereby providing the loan modification negotiator (or homeowner) with some legal leverage that can be applied during the process to possibly ‘turn the tables’ on the lender, and give the homeowner the upper hand. Obviously, your lender is not going to perform a forensic loan audit on their own loan and let you in on any violations that they may have committed.

You have to remember, despite what you hear from the media, the government, and from the mortgage lenders, a loan modification is not a set process, it is a negotiation. Every lender is different, and every homeowner situation is different. And no matter how friendly, courteous, and helpful the lender’s loss mitigation representative may seem on the phone, that person is NOT on YOUR side, and is NOT looking to create the best possible modification for YOU. He or she represents the lender, gets paid by the lender, has his or her performance reviewed by the lender, and it is his or her job to make sure that any agreement reached is the best possible agreement for the lender and its shareholders.

For homeowners who are considering a loan modification as a possible option to keep their home, we provide 2 invaluable tools: First… a forensic loan audit – to uncover any predatory lending violations which can be used as leverage. And second… a financial analysis – to determine upfront whether a loan modification is a viable option for them, and to help them understand how the lender may evaluate their request.

Again, we provide these services ABSOLUTELY FREE OF CHARGE, and with NO COMMITMENT on the part of the homeowners. That way, homeowners can determine whether pursuing a loan modification may be their best course of action, without spending a dime on fees or services.

If you’re seriously considering pursuing a loan modification, and would like to obtain a free forensic loan audit, financial analysis, and professional opinion on whether a loan modification may be the best choice for you, please send me an e-mail through my yahoo profile, and I will get in touch with you.

I live in Las Vegas, NV. On Sept 3rd we received a three day Notice to Quit. Looked at our options and realized that a request for a loan modification did not go through, and that the Foreclosure process had been completed and the house was now in the Banks Name.

At this point, a "negotiator" came to the home and offered us $1,000.00 and three weeks to evacuate the house.

I honestly need a little more time and don’t think the money is worth it, so here is my question:

If I decide to decline the offer, take my chances and go to court, how much time overall can I gain? I have not received a letter for a court date yet. And, once I do get to the court, about how long will the Judge give me and my family to leave the premises?

In the long run, will I be able to save a little more money than what I am bein offered assuming that I am able to stay longer that the three weeks? I was actually looking to leave in January, how likely is for this to happen?

Or can I ask for more money and more time?

Please help!

Thanks.

stay in the house?
–presuming you have the rent $.
if not–that is unethical…….but that
is your problem–
——–
forget the "buy out"
IF YOU HAVE THE RENT MONEY:
[you can ask for anything in America!]
—stay in rented unit and not pay rent when
unsure of owner:

this exact topic has been bantered between courts and attorneys for
years; there is no best answer.

one good answer is–escrow the rent. That shows INTENT.

IF you are in doubt as to who owns the apts–contact the
county recorder. Anyone can knock on your door, as you correctly
state and ask for your rent and if they are not authorized, you lose.

Wait till either the new owners visits you and shows you a deed
that LOOKS authentic–or wait till you get a "pay or quit"
notice. This is only if the ownership is in question.

when you go to court, you give the court proof of your escrowing
your rent BECAUSE you have great doubts who the owner is.
YOU give the court your data that shows that the ownership was or is in question. WHEN the judge is satisfied with who he feels the new owner is, he will direct you to pay that money to that person.
Obviously that person will be in court or their legal rep will be.
I am doubting that a judgment will be rendered; I am claiming
it will be vacated–as soon as you pay the rent so that
you have no judgment against you.

———–

The July 6th episode of Recession Rx has an exclusive interview with FBI Special Agent Mike Rawlins about the extent of mortgage fraud in the Las Vegas Valley.

This episode also features information for seniors being hurt by the mortgage crisis, an interview with the director of the Nevada AARP, and more tips for managing your finances from a certified financial planner.

Ben Daseler from Nevada JobConnect also had some great information for businesses who have jobs available.

Duration : 0:4:55

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Technorati Tags: earned income tax credit, jobs, loan modification, recession, Recession Rx, Vegas PBS

http://www.ronbuysnow.com Las vegas is drowning in foreclosures and home owners need help fast! Learn how you can lower your mortgage payments in a matter of weeks and keep your home! Stop the madness and reduce your home debt today!!!!!

Duration : 0:0:29

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Technorati Tags: avoid home loss, don't lose home, free loan modification, free mortgage help, help with home, home save tips, loan mod works, loan modification scam, reduce my payments, save home, Save My Home, save my mortgage, save my property, sell any home, should i sell home, stop mortgage loss, survive foreclosure

Can’t make the mortgage payments? Call the Law Offices of Randolph H. Goldberg. Located in Las Vegas, he dedicates his practice toward helping ordinary homeowners stop foreclosure and stay in their home. He negotiates with the banks to reduce your interest rates and principal amount, discharge your second mortgage, and more! The law is on your side. Call to learn more.
Visit us http://www.yellowpages.com/info-17227991/Law-Offices-Of-Randolph-H-Goldberg?from=youtb

Duration : 0:0:55

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Technorati Tags: attorneys, bankruptcy, credit, Foreclosure, garnishments, Goldberg, H., las, Law, lawsuits, lawyers, loan, modification, mods, Nevada, of, Offices, Randolph, Repair, second, vegas, yellowpages

Attorney David Rahm has over 17 years of experience as a lawyer, and for years has been doing both residential and commercial real estate law. He has a successful proven track record of loan modification in Las Vegas, and is offering new clients a free consultation with him. He looks at each case individually and works with the client to decide the best possible solution. He can help you reduce your interest rate, represent homeowners in mediation, extend loan payments, and in some cases reduce the principal balance. Call 703-369-4663 for a FREE CONSULTATION. You must be a Nevada homeowner, or visit http://www.DrLawLV.com for more information. The David Rahm Law Group has a great reputation and is ready to help you now! Se Habla Espanol!

Duration : 0:1:22

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Technorati Tags: David Rahm Attorney, Jay McCarthy, loan modification scam, mortgage mitigation, reduce your mortgage

If you need form letters to send to your lenders I can get them to you. If you have any questions email me at loanmodguru@yahoo.com. I will answer them as soon as I can. I am negotiator who speaks with the banks on behalf of the homeowners I am most sought after as I have a very strategic system which allows me to obtain a loan modification almost every time for anyone regardless of the situation. I can tell you how. My videos show you exactly how to do a loan modification or achieve a principle reduction. I am doing this for free. As hard as I am trying I haven’t been able to reach everyone so having these workshops up makes me accesable to everyone. Tell a friend if you know of anyone who needs help. It’s a terrible feeling to lose hope and not know what to do. I know first hand. You or they can email me at loanmodguru@yahoo.com. I will answer all questions as soon as I can. I have been getting an overwhelming response since I have started my philantropic approach. I have succesfully negotiated hundreds on loans for homeowners in various states. Unlike the people on the other videos, I actually speak with the lenders myself. I am giving the information for free. I have also noticed that the other people speaking about loan modification don’t help anyone at all. All they are saying is send me your money. I don’t think a single family should face foreclosure especialy because they can’t afford the outlandish fees these guys are charging for a loan mod. If you are from Detroit Michigan, Atlanta Georgia, Las Vegas Nevada, Miami Florida, Phoenix, Arizona, Ohio, Illinois, it doesn’t matter I will show you all my secrets to save your home. There is government istance available. Making Homes Affordable is a program that helps distressed homeowners, it’s part of the Obama bailout. So watch and learn and don’t try to buy anything from me. I am busy enough out here in Arizona. About 350 to 500 homes per day are being foreclosed on, just here alone. So if I were helping with 50 modifications a day I still would wake up every morning behind. I think this is the best way to help. People are losing homes and they don’t know that they can save them. People are just walking away with their families without trying or fighting. So this is all about us. I was once facing foreclosure and since I knocked down the principle on one home $150,000.00 and lowered the interest rate to only 2.5% on an investment property of mine. People that know me know that I am the best at what I do. Yesterday I helped a single lady, divorcee lower her monthly payment $500. She wasn’t even late. So you don’t have to be late to get a loan modification approval. God Bless Enjoy

Duration : 0:8:51

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Technorati Tags: Affordable, america, arizona, Assistance, Atlanta, Aurora, bailout, BANK, bankruptcy, Behind, california, consolidation, countrywide, Crisis, debt, Distressed, Do, estate, Exposed, florida, foreclose, Foreclosure, free, Georgia, help, HOME, homeowner, HOMEOWNERS, Illinois, It, Late, lenders, Litton, loan, Making, Michigan, modification, Money, mortgage, Obama, of, Ohio, on, Payment, Payoff, Plan, prevention, Principle, rate, real, reduction, refinance, relief, sale, save, Short, stop, Truth, Your, Yourself

If you need form letters to send to your lenders I can get them to you. If you have any questions email me at loanmodguru@yahoo.com. I will answer them as soon as I can. I am negotiator who speaks with the banks on behalf of the homeowners I am most sought after as I have a very strategic system which allows me to obtain a loan modification almost every time for anyone regardless of the situation. I can tell you how. My videos show you exactly how to do a loan modification or achieve a principle reduction. I am doing this for free. As hard as I am trying I haven’t been able to reach everyone so having these workshops up makes me accesable to everyone. Tell a friend if you know of anyone who needs help. It’s a terrible feeling to lose hope and not know what to do. I know first hand. You or they can email me at loanmodguru@yahoo.com. I will answer all questions as soon as I can. I have been getting an overwhelming response since I have started my philantropic approach. I have succesfully negotiated hundreds on loans for homeowners in various states. Unlike the people on the other videos, I actually speak with the lenders myself. I am giving the information for free. I have also noticed that the other people speaking about loan modification don’t help anyone at all. All they are saying is send me your money. I don’t think a single family should face foreclosure especialy because they can’t afford the outlandish fees these guys are charging for a loan mod. If you are from Detroit Michigan, Atlanta Georgia, Las Vegas Nevada, Miami Florida, Phoenix, Arizona, Ohio, Illinois, it doesn’t matter I will show you all my secrets to save your home. There is government istance available. Making Homes Affordable is a program that helps distressed homeowners, it’s part of the Obama bailout. So watch and learn and don’t try to buy anything from me. I am busy enough out here in Arizona. About 350 to 500 homes per day are being foreclosed on, just here alone. So if I were helping with 50 modifications a day I still would wake up every morning behind. I think this is the best way to help. People are losing homes and they don’t know that they can save them. People are just walking away with their families without trying or fighting. So this is all about us. I was once facing foreclosure and since I knocked down the principle on one home $150,000.00 and lowered the interest rate to only 2.5% on an investment property of mine. People that know me know that I am the best at what I do. Yesterday I helped a single lady, divorcee lower her monthly payment $500. She wasn’t even late. So you don’t have to be late to get a loan modification approval. God Bless Enjoy

Duration : 0:10:36

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Technorati Tags: Affordable, america, arizona, Assistance, Atlanta, Aurora, bailout, BANK, bankruptcy, Behind, california, consolidation, countrywide, Crisis, debt, Distressed, Do, estate, Exposed, florida, foreclose, Foreclosure, free, Georgia, help, HOME, homeowner, HOMEOWNERS, Illinois, It, Late, lenders, Litton, loan, Making, Michigan, modification, Money, mortgage, Obama, of, Ohio, on, Payment, Payoff, Plan, prevention, Principle, rate, real, reduction, refinance, relief, sale, save, Short, stop, Truth, Your, Yourself

Rob Jenson from The Jenson Group at RE/MAX CENTRAL in Las Vegas, NV 702-255-8252 www.thejensongroup.com, discusses the pros and cons of short sales and foreclosures with Dennis Oleesky from Sklar Williams LLP Law Offices 702-360-6000

Duration : 0:8:54

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Technorati Tags: cdpe, Foreclosure, las vegas short sale, loan modification, remax agent, short sale, sklar williams, the jenson group