Mortgage Guide

UCBerkeleyEvents asked:

Welcome and Opening Remarks Stuart Gabriel, UCLA John Quigley, UC Berkeley The Policy Maker’s Perspective on the Financial Meltdown and the Economy Janet Yellen, Federal Reserve Bank of San Francisco Stuart Gabriel, UCLA, Moderator The Future of the Housing Finance System Nancy Wallace, UC Berkeley, Moderator Panelists: Brad Blackwell, Wells Fargo Bank John Krainer, Federal Reserve Bank of San Francisco Paul Leonard, Center for Responsible Lending Paul Jablansky, 400 Capital Management LLC urbanpolicy.berkeley.edu

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April asked:


Our mortgage lender has filed for bankruptcy. Our payments to the mortgage company include principle, interest, taxes and insurance (PITI). What happens to the money we have paid towards taxes and insurance ?? Since we have paid this money in advance with our payment, is the bankrupt mortgage lender required by law to pay them? If they don’t, due to bankruptcy protection, are we responsible to pay the money that has already been received by the mortgage lender?? In other words, lets say we have made payments totaling $10,000 over the last 10 months, $2500 of which is taxes and insurance. If the mortgage lender does not pay the $2500 to the insurance company and to the IRS, do we have to come up with the $2500 to pay what the mortgage lender did not ??
Our mortgage lender has filed for bankruptcy. Our payments to the mortgage company include principle, interest, taxes and insurance (PITI). What happens to the money we have paid towards taxes and insurance ?? Since we have paid this money in advance with our payment, is the bankrupt mortgage lender required by law to pay them? If they don’t, due to bankruptcy protection, are we responsible to pay the money that has already been received by the mortgage lender?? In other words, lets say we have made payments totaling $10,000 over the last 10 months, $2500 of which is taxes and insurance. If the mortgage lender does not pay the $2500 to the insurance company and for property taxes, do we have to come up with the $2500 to pay what the mortgage lender did not ??

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poppy asked:


I have €10,000 loan from college and a car. I have 3 yeasrs to pay it off. How do I begin the mortgage climb? What do I need to do to get a mortgage? How long do I need to be saving with a building society etc any advice greatly appraciated. Oh by the way I’m single, and earning just over €42,000 a year in a permanent pensionable job. Ireland only please.
Apologies for poor spelling typos working off a broken keyboard!

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Briwood asked:


My house was forclosed. The first mortgage wrote off the debt.The second mortgage did not.How many years do they have to try and get the money?

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Varlotto98 asked:

OMG! I could not wait to hear the full version of this! and I was soooooo excited to make this video! This is low quality, but once you listen to this a few times, you’ll get used to it! This song is soooooo amazing and cool! Please Subscribe! =) Lyrics: You wake up, it’s raining and it’s Monday Looks like one of those rough days Time’s up, you’re late again, so get out the door Sometimes you feel like running Find a whole new life and jump in Let go, get up and hit the dance floor But when the lights go down it’s the ending of the show And you’re feeling like you got nowhere to go Don’t you know You can change your hair and you can change your clothes You can change your mind, that’s just the way it goes You can say goodbye, you can say hello But you’ll always find your way back home You can change your style, yeah your can change your jeans You can learn to fly and you can chase your dreams You can laugh and cry but everybody knows You’ll always find your way back home Your best friends, your little hometown Are waiting up wherever you go now You know you can always turn around Cause this world is big and it’s crazy And this girl is thinking that maybe This life is what some people dream about Cause when I’m feeling down and I am all alone I’ve always got a place where I can go Cause I know You can change your hair and you can change your clothes You can change your mind, that’s just the way it goes You can say goodbye, you can say hello But you’ll always find your way …

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stephanie b asked:


I have decided against itemizing because I get a better deduction with the standard deduction So….If I have to file a schedule B rather than a schedule A for my mortgage interest how can I do that. Im using tax slayer will they just convert it to what it needs to be?

And the rebate checks, Do I have to do anything for that or just sit and wait?

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BillsDotCom asked:

www.bills.com Bills.com President, Ethan Ewing, discusses the consequences of defaulting on your second mortgage payments and explains what to do in that situation. Learn how to resolve your mortgage payment problems as well as other personal finance issues with bills.com.

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cloneofclb asked:

Dawn Welsh a 54 year grandmother is raided in her own home, for what…owning her own home. If this sounds like something straight out of the Twilight Zone, well welcome to America in 2009. Listen as the fascist US government steals an American grandmother’s home and terrorizes her!!!!! Dawn Welsh of Hillsboro, MO Arrested for Trespassing in Her Own Home After Supposed Mortgage Scam. Dawn Welsh knows her house was paid off. She received paperwork from the original mortgage company showing it was paid off. However through a fraudulent conversion of the mortgage, Wachovia Bank claimed authority of the mortgage and then claimed Welsh still owed on her home despite her having proof from the original bank that the note was paid in full. Today, Hillsboro, Missouri police came onto her property and broke her door down to remove her from her property. They used a battering ram to enter her home, despite her showing evidence that she owned the property. She had gone to court previously and showed a judge the mortgage was paid in full, and it is a record of the court. However, these are desperate times for the fraudulent vampirian banksters and they will go after anyone they want, threatening innocent hard-working Americans at every turn. And to top it off the Hillsboro sheriff was an accomplice to this crime, executing the fraudulent crime and rubbing it in further by seizing all of the 54-year-old woman’s possessions. When these mortgages are sold from the original mortgagee to …

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Music Man asked:


I am about to take a loan officer class next week and my goal is to start a mortgage loan company.I just want to be able to go into business for myself. I would love advice from people who are already doing it.

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DinSFLA asked:

stopforeclosurefraud.com lawyerthatgetsit.com MersCorp was formed in the early 1990s by the former CEOs of Fannie Mae, Freddie Mac, Indy Mac, Countrywide, Stewart Title Insurance and the American Land Title Association. Smell anything funny??? Here I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles. Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference. Law Offices Of David J. Stern PA in Plantation Florida http Stotts Dennis Kirkpatrick Don’t forget INDYMAC was shut DOWN /CLosed Kaput 3/19/2009….How did they get these signed on their behalf? These people are ALL over the US pulling this crap Do searches on them and all and see what you can find out to save your home. Judge Dale Ross in Broward County gave my home to IndyMac Bank (Property Managers) and when I tried to speak he rolled his eyes and said “What Difference Does it make”?????? He pre-judged me and this is not his job… The “difference” “is” the courts are aiding & abetting FRAUD. Yes Google his name and we will see how his peers enjoy him. I did NOT have a fair trial. I was raped from my RIGHTS as a citizen. www.browardpalmbeach.com Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all. Uncover Violations: Get an Audit fmi …

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