Can Following Barack Obama’s Advice Help You Solve Your Foreclosure Crisis?

Well, there you have it. A brand new President with a brand new president – Barack Obama. He’s given some poignant advice for all Americans and for the entire world during these difficult economic times.

Mary was watching with her children as Barack Obama took the oath of office on January 20th and gave a deep and rousing speech at that inaugural event. Mary said to me,”Wow, what an amazing call he has issued to personal responsibility, to openness, transparency, and doing the best you can on your own individual level to solve your problems, to lift your own affairs, and to help rebuild America. She said, “Can you imagine if everybody in America would just do their best? Would simply rise to the occasion? Take responsibility for themselves? For the their own actions? Their life, for the amount of money they’re spending and the amount of money they’re saving? Wow, wouldn’t that create a marked difference in our economic experience right now?”

The answer is yes! We can individually take on President Barack Obama’s counsel and I promise you it will greatly help to alleviate your foreclosure problems.

What am I talking about? I’m simply talking about the fact that most who are in foreclosure call me with this attitude. They say, you know it’s the bank’s fault, you know, it’s the lawyer’s fault, you know it’s the court’s fault, you know if it had not been for that broker, or that real estate agent — and day in and day out I hear these consistent complaints where people are seeking a place to put their blame. They are looking for somewhere safe that can harbor the blame, the fault, and take the responsibility or bear the responsibility for the economic crisis and their foreclosure demise.

Here’s what I’ve learned and here’s what I want you to know that just for a moment putting the blame on somebody else. The pressure of your premium. You see, when things go wrong, when we fall into economic troubles and financial demise, when you are in foreclosure it’s easy to cast the blame on someone because you don’t have to bear the burden. You don’t have to look at yourself. You don’t have to take responsibility. However, the flip side of that, which will shock you. By giving up responsibility to somebody else you also give away your power. You give away your authority. You give away your capacity to speak and have things happen because you said they should. You give away your dignity, and ultimately you give away your humanity and personhood.

The moment you begin to take full responsibility, just like President Barack Obama is saying, is the moment you begin to really look at yourself, and in looking at yourself there’s always a new vision, a brighter possibility, a brand-new hope, something else that you could do. By looking at yourself you can see a new viewpoint. You could get a new perspective. You can get new ideas. You can get a new vision. You can get a new sense of actions that you can take to solve your foreclosure problem.

But if you never, ever look at yourself because you’re consistently caught up in casting the blame on someone else, that will never happen. I want to challenge you right now to take on being fully responsible for your economic crisis. You and you alone are the one that has the power to solve your problem.

Now, Foreclosure Doctor Online is here to help you. I have powerful solutions that I promise can help you, but you must take full responsibility. You must place the call. You must fill out the form at the top of the page that says loan negotiator, get a loan negotiation. You must take the initiative to make the contact, and you will begin to experience your own power a fresh and a new. Do it now! Do it today!

The Foreclosure Doctor (Online)

Can You Design Your Future So That Your History Is What You Want It To Be While In Foreclosure?

Many people right now are watching the television screen. Their eyes are glued to the T. V. as they watch the nation involve itself in the inauguration of the 44th President of the United States, and the first African-American President, Barack Obama.

While watching today, a question came into my mind. I noticed how this journey from Philadelphia to Washington, D.C. was designed. And it occurred to me in a very simple but powerful way, that Barack Obama was designing the future so that it fits the kind of history he wanted.

Many people right now are facing foreclosure.  I spoke to a woman the other day. Her name is Janet.  Janet is struggling with her bills, she is in foreclosure and three months behind in her payments. She has no idea what she is going to do. She is clear that she is going to lose her house, and she began to wallow in the reality of that.

She designed, in her mind, what that looks like. She created the inevitability of her own foreclosure situation, and the final day when she would have to leave her home, turn over the key, walk away, loomed large and big and clear in her mind. Until I said to her, Janet, what you don’t know is that you’ve designed a negative future! You’ve designed a future that does not match the future you want, but matches the future you fear. You’ve designed a future that focuses not on what you want to happen, but focuses on what you don’t want to happen, and even before that future has come, you are relating to that future like it is the truth.

But, what I want to tell you today is if you will take a page from Barack Obama’s notebook, you can design the kind of future you want, even though you are facing foreclosure today. How do you do that, you ask? Well, it’s very simple. Begin by noticing that President-Elect Obama, in this journey from Philadelphia today, all the way to Washington, D.C. You’re looking at your situation and you’re saying, it’s impossible. This obstacle is too great. This problem is too big. This challenge is too much. There is no way I can stop this foreclosure. I’m going to lose my house. Well, well, well, well, well, don’t be so certain, especially if you choose right now to focus on the journey and create the journey that leads to the destination you want.

I began to mention that there’s not just one future. There are many futures. I can identify four futures for you right now. There is the future that is hoped for and wished for, and then there’s the future that is the most likely future, and then there’s the future that is the created future or the caused future, the designed future, and then there’s the future that would have happened, could have happened, but never happened.

So, the question is, are you going to get caught up in the future that’s the most probable certain future? If you do nothing or continue the way you’re living, continue spending the way you’re spending and continue relating to your foreclosure problem as a problem instead of a challenge then of an opportunity for you to explore your own power, or to solve problems or to grow bigger than the problem. If you continue then what will you have? You have the probable most certain future, which is you will end up in foreclosure and you end up with your house gone and no place to live.

Then there’s the wished for future, the hoped for future, the dreamed of future. Is that the future you want? The future where it’s just a wish, it’s just a dream. You desire to get out of foreclosure, but it’s not a reality. It’s not real for you, you don’t feel it on any level, you don’t think of it, you don’t dream of it. You never stand from that standpoint and that position and that posture. Look with an eye of how can I create the journey that leads me to a place where I’m financially free out of foreclosure, living in a home safe and secure with my family. That’s the hoped for future, where you’re sitting back, watching,hoping,and dreaming.

Then there’s the designed future, the caused future and the created future. The future that would not have happened had you not came on the scene in the midst of your situation, in the presence of your obstacle, in the midst of your problems and said, I’m going to design it the way I want to design it. Now from standing in the place of that powerful stance, you look back and say, how can I create a solution that will be powerful?

Then there’s the future that never happened, that could have happened, would have happened, but just never happened. Either because you didn’t dream about it, or you didn’t wish for it, or you didn’t hope for it, or you didn’t cause it, or you didn’t design it. That’s the future that never happens. That’s the future that’s waiting to happen.

I challenge you right now to design a future where you have a home that’s out of foreclosure! Here is what that would look like. That would look like you taking aim at the number one enemy that’s keeping you from getting out of foreclosure. You know what that is? It’s your own personal resignation. It’s your own personal cynicism. It’s your own personal belief that there is nothing that can be done, the bank said no, the lawyers are against you, they all turned you down, and you’re going to lose your house. Your own personal jadedness and numbness that causes you to stay in your home, keep the curtain closed, not come outside, not answer the phone, not open your mail, your own personal resignation, cynicism and that there is no hope and that there’s nothing that can be done.

With that being said, I want to share with you a powerful opportunity. Yes, an opportunity to get out of foreclosure, to begin that journey toward that destination by getting a plan that will actually work for you. I have been working with a group of investors that have created a plan and a program that is so powerful that what they are offering you is what investors participate in who are investors who buy foreclosures from the bank on a regular basis. These investors are getting their homes from the bank directly a great discount after it’s been foreclosed upon and owned by the bank and the bank does sell it to an investor.

This group of investors are willing to offer you a dynamic opportunity to participate in a program that will allow you to save your home, keep you on title in your home, get your home down from the high inflated value that it is right now. The high mortgage that it is right now, get that mortgage canceled, get a new mortgage on your property right now that is at — that is based on market value, and you can possibly walk away from your foreclosure crisis not only with a good mortgage or a mortgage that you can work with that has a lower payment, but you can walk away from the foreclosure crisis with equity in your home.

Sounds too good to be sure? I know it does. But don’t fall prey to that jaded, numb, resigned and cynical spirit. Give me a call today or contact me on the website, right here at foreclosuredoctoronline.com. Let me know exactly what you’re going through and I will put you into this program immediately. 

The cost of this program is minimal compared to what is possible when it comes to saving your home. By participating in this program right now today, you can design the future of this foreclosure problem for yourself. You can cause a designed future that would not have happened, not just a hoped for and wished for future, not just a dreamed of future. If you focus on the destination and you feel negative about the future, then all you will do is sit and wait for that inevitable negative and dark day, but if you focus on the journey, then there’s a greater possibility for you to stay in action every single day.

Here’s what I mean by focus on the journey.  President-elect Barack Obama focuses on the journey from Philadelphia to Washington DC.  He asked a simple question. Instead of just flying to Washington DC, and making the inauguration the inevitable destination and now we’re there, he said how can we make this a historic and momentous occasion, that everybody in the world will remember, that the nation can look to? How can we start to create the buildup and the excitement and generate the energy necessary to bring a nation together before inauguration day? He began by focusing not on the destination, but on the journey. He used history. He used the heritage of America. He used the greatness of our legacy. He used all the elements that were brought together by the diverse cultures and nationalities.  He used people around him. He used the various stops that were intentionally planned. He created speeches for those moments. Barack Obama did a lot of homework to create an exciting and dynamic journey.

I declare to you today that you can create your journey too. You can design the future you want, put it out there, create the destination, but then don’t focus on the destination, identify what you have to do in the journey to get to that destination and focus on the journey. By focusing on the journey you will have a greater chance of staying in action moment by moment, day by day.  If you look at your journey from the standpoint of the destination, you will see clearly. What steps do I have to take? What actions do I have to take? What ways of being do I have to adopt? What behavior pattern do I have to embrace? What must I do to achieve this powerful destination?

But you don’t focus on the destination, you focus on the journey and the steps in that journey, the movement in that journey, the activity in that journey, the things you got to do in that journey every single day. I told Janet if she takes her eyes off the destination for a moment, but stand in that destination and look back at the journey. She would access to what it takes for her to create, powerfully, in the moment, a journey that is designed. So, she will go about designing her future, creating her future, so that she can embrace the history that she wants to embrace. Many people don’t know what you may not know right now is that there’s not just one future!

The Foreclosure Doctor (Online)

A New Foreclosure Solution?

So, I just wanted to share the rules of the program with you.  The rules of the program are simple and powerful.

The first thing is you must be behind at least one payment.  If you are struggling every month to pay your mortgage — if you are not behind one payment, then this will not work for you. You must be behind at least one payment, and secondly, you must not have had any kind of mortgage reduction or loan modification at all. 

You must be able to show that you can pay the mortgage payment after it is refinanced, and you must be able to demonstrate that your debt to income ratio is no more than 48%.

Then, there is one final rule, and that is that you can’t have been less than 21 days before your foreclosure deadline.

So, this solution is only workable providing you are no less than 21 days before your foreclosure deadling.  You need to have at least 21 days between today and the deadline of your foreclosure in order for this solution to work. 

This is something that is brand new - it’s hot, and it is working to help many people.  There is a small fee of $1,000.  Some may not consider that small, but considering what you are getting, which is a brand new mortgage for one year, which you will be able to refinance after a year — it is very powerful.

I will write some more later about this, but for now, anybody who is interested and needing a solution to their financial dilemma and they are feeling like their house is upside down and they have nowhere else to turn, I am inviting you to don’t delay.

Call me right now! You can contact me by the number at the top of the screen, or you can send an e-mail.  You can fill out one of the forms.  There are many ways in which you can contact.  If you want to get me directly, just call 1-877-336-7001 and ask to speak to Peter.

The Foreclosure Doctor (Online)

What Steps are You Taking Today to End the Foreclosure Process?

Well, it’s the beginning of a new week, Monday morning, and I know everybody’s back at work fully involved in their commitment, especially those who are in foreclosure. I just finished talking to Daphne.  She said she’s at work, calling me from work, committed to her work, but unsure of what steps she ought to take today to end her foreclosure process.  I shared with her a new insight that I want to share with you. It’s simple, short, but powerful.  It’s simply this.

If you were to bring the same commitment you bring to the workplace to solve the problems of your employer to your foreclosure problems, what would happen? If you were to bring that same commitment –that same energy, that same dedication, that same devotion, what would your life look like as you go through the foreclosure process? I would challenge you to believe that most people never bring the same commitment they bring to the workplace to their own personal financial problems.  In the first place, while at your workplace you are accountable to somebody and so when you’re dealing with a personal problem or personal financial issue, there is often times a lack of accountability.

I told Daphne — I said listen, if you were to bring accountability and responsibility into your personal life the way it is already existing in your work life, what difference would that make? What difference would it make if you became accountable to yourself and responsible for yourselves in your personal finances? I do declare it’ll make a dramatic difference! AND….. It’ll totally change the way you approach your day! Who goes to work and says well, if I don’t get this done today, it’s okay? Very few people, if they’re involved in a successful job, would ever think that way.  Yet many approach their personal finance problems with the thought — you know, if I don’t call the bank today or don’t respond to the lawyer today or don’t try and call an investor today or don’t try and look for solution today, it’s okay. And you automatically go from the problem to the despair and the depression and the feelings of you are not good enough and you are going to lose your house.  This is without bringing any of the energy, the commitment, the dedication, that we bring to the workplace to our personal lives. I invite you right now to reverse this behavior.  Bring the same commitment that you utilize and bring to your workplace, bring it to your personal life and watch how.

I want to add to that — let me add to that another important distinction that when you’re facing a personal crisis like foreclosure, on Monday morning it’s a very challenging time for most because that’s a time when everybody is coming back to work and everybody is becoming productive after taking a weekend off, weekend of relaxation. For many in foreclosure, you have not had this weekend of relaxation, rest and family and your weekend has probably been one of worry and frustration, fear and uncertainty. Wondering what you’re going to do, wondering how you’re going to solve your problems, fearful about when the bank or the sheriff is going to come to evict you? Frustrated after having tried so many different attempts and called so many different people and you still have not found a solution. So, not only do you have no rest, relaxation, fun, family, peace, and harmony on your weekend, but now you are forced to begin a new work week with that same unresolved issue in the background of your life.

Well, along with bringing the same commitments that you bring to your job to your personal life, here is what I want to ask you to examine. Examine the possibility that you’ve been relating to this foreclosure problem as though it should not be and in the context of this foreclosure problem should not be, you have found tons of evidence to feel sorry for yourself, to feel that there’s somebody to blame, to look for that person to blame, to feel  free that you could have avoided this situation. You spend a lot of energy reflecting on stuff that doesn’t matter right now, it will make no difference right now to change or transform your current situation. I’m inviting you to reconsider the framework or the context that you brought to the foreclosure problem you’re facing. The notion that it should not be is false. If it should not be, then it would not be.

But, by re-framing or creating a new context of it should be and it’s an opportunity for me to look in my life and see how to create the kind of life where I’m foreclosure proof, you can automatically change your state and become powerful in the instant of the moment. You do not have to live with the fear and the frustration and the feelings of futility if you take on the notion, hey, this problem that your facing should be because of the way life has been for you, but you can become powerful in this moment to direct the future to create the kind of life where you are foreclosure proof.

What kind of plan would you need? What do you need to continue exploring a new invention or a new idea, or putting together a new plan of action — could you live a life that’s foreclosure proof, if you stay on the same course you have been on, thinking the same thoughts, engaging in the same actions. What would it look like to create a life that is totally foreclosure free? Would it look like taking all your debts and really canceling out your debts one by one and changing your relationship to money? And totally, completely, transforming the way you relate to my finances.  This is a powerful approach that will lead you down the pathway not only to freedom from foreclosure and all kinds of bad debts, but it would lead you to financial freedom. So, to begin today.

I want to invite you to contact the Lonely Goetiata Group on our site.  Just click on the link that says Lonely Goetiata Group and we’ll begin to confront the foreclosure that you’re facing right now. We’ll seek what methods we can use to negotiate your loan, and to find a solution that will solve your problem.  I’ve worked long and hard to amass a number of solutions, but I’m confident that there’s nobody that we cannot help. Click right now on the link that says Lonely Goetiata Group, or call, and somebody will respond to you within 24 hours, take down some additional information about your case and provide you with a clear path and a dynamic set of choices that can lead you out of the darkness, the depression, the demise of foreclosure and debt into the bright sunshine of freedom from this problem and a better financial future ahead.

The Foreclosure Doctor (Online)

Dynamic Foreclosures Solution in 2009?

So, I have been doing some dynamic research.  Based on conversations I have had with a number of you who called or e-mailed about how you can solve your foreclosure problem this New Year.

I have got some really, really great news for you! I have found an exciting new solution that will allow somebody who is in foreclosure to get a complete new mortgage on their house, even if the house is worth less than the amount that is owed against it.

Let me repeat, even if the house is worth far less than the amount of the mortgage or the amount owing on the property.

The Foreclosure Doctor Online has now found a solution where we can offer our clients an opportunity to stop the foreclosure, avoid the negative information of having a foreclosure being on your credit, totally prevent yourself or avoid having to move, prevent losing your house and going through the indignity and the embarrassment of having the house sold out from under you.

What does this mean?

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Why Do You Think Financial Resolutions Never Work to Stop Foreclosure?

Danny had called me this morning to talk about his New Year’s Resolution. He was clear and concise.

At least that is exactly what he proclaimed. He was going to get out of debt this year and start building wealth.

He declared it and spoke it and there was so much confidence in his voice that he almost had me totally convinced.

I know you’ve been there.

You’re there right now.

It’s a New Year and you’ve just finished making a promise to yourself. You are going to get out of debt and turn your financial life around completely.

But, I’m leaning over my desk now and looking you square in the eye and asking you point blank, “Are you really?”

No you’re not!

Who are you kidding?

Didn’t you just do what everybody else does?

You declared, vowed and uttered a New Year’s Resolution. That’s what you’re suppose to do as you start the New Year.

Right!

And getting out of debt, stopping your foreclosure and losing weight are the number one things on your agenda, aren’t they?

Yes, it is true that most people are feeling warm and fuzzy around their new plans right now. But it’s also true that most people will drop those New Year’s resolutions and resort back to their old ways of being quite quickly.

Probably, before the month is done.

Yes,  Danny and most others will fail to accomplish what they promised they would do. But it really doesn’t have to be that way.

You can choose to have power with your “Word” and your “Promise” to yourself which you so fondly call your “New Year’s Resolution.”

So, I’m going to share three major tips most people miss when it comes to keeping their New Year’s Resolution.

I’m focusing on financial resolutions but this can easily be applied to all other aspects of your life.

1. Create your resolution as a clear, focused, measurable objective or goal

The truth is if you aim at nothing you will hit it every time.

You must establish a clear focus and identify markers that you can use to measure your results.

Without a practical and tangible way to measure your results how would you even know, how close you are to reaching your goal?

If you have a clear picture of the future then you’ll take giant steps. If the pathway ahead of you is fuzzy and uncertain then you would take hesitant steps.

2. Develop a plan of action that brings your resolution into reality.

Remember a New Year’s Resolution is not reality.

It exists solely as a possibility.

It is reality that is unformed and non-tangible. There is a gap between your resolution and your current reality. The only thing that will reduce that gap and bring your new possibility into reality is the actions you take to put your plans in place.

So ,you must have a plan and you must have action.

That is the intermediate step – a plan of action.

3. Build your New Year’s resolution into a powerful resolve.

It’s just that simple. In order to declare a New Year’s Resolution you must first be resolute.

And in order to be resolute you must have resolve.

What is resolve you ask?

I define it as an unwavering commitment to do or accomplish a task even if it kills you. When you come to the place where you are able to say “this shall be simply because I said it shall be then you have resolve.

One of my mentors Jim Rohn talks about resolve in this way; They said I can’t climb this mountain.

It’s too steep, too treacherous, too dangerous and too hard!

But it’s my mountain. And you’ll either see me waving from the peaks or dead on the side from trying.

This is a key ingredient which when coupled with the previous two will create a profound transformation in your life. By embracing this attitude you will turn yourself into an unstoppable creature.

By applying these three simply principles specifically to your financial goals I promise you can turn your entire financial situation around.

And you’ll have an amazing story to tell of personal victory and triumph experienced as a result of your New Years Resolution.

This time by following these three principles you can really begin to invent yourself newly bring a whole new person to your circumstances.

Inside your New Year’s Resolution there is a dynamic commitment not just to the task or goal you set out to accomplish but to yourself. You probably never recognized it before but you made a promise to yourself.

The question now becomes “How good are you at keeping that promise you made to yourself?

Are you going to be stuck or are you going to be powerful?

By standing in the place of “Resolution” and clinging to a mighty “Resolve” you actually cause a shift in your life that will alter your future.

So, let’s just see.

What is your resolution?

A place where you are able to say “this shall be simply because I said it shall be then you have resolve. A place where you are able to say “this shall be simply because I said it shall be then you have resolve.

What actions are you taking today?

Do you have resolve?

The Foreclosure Doctor (Online)

How Can I Communicate Powerfully to My Banker While Facing Foreclosure?

John and Shawna were were sitting alone in their home and feeling helpless and hopeless. They had just gotten off the phone with the bank.  They felt hurt and violated. How could anybody be so rude? They had never felt so abused and certainly never been so kicked around. They tried for months to get in touch with this same banker and talk to someone who would listen to their case.  But then they kept on getting the run around. Now, after months of not getting a response back from the right people, the bank called them.  But they didn’t  even want to listen to their story.  They simply called to say you have 30 days to either pay up or get out of the house. But guess what was even more devastating than this?

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Is President Elect Barack Obama Going to Stop the Foreclosure Procedure You’re Caught In?

Listen to this! Mr. Scott actually called his lender and assured him that he will be able to get out of foreclosure by January 20, 2009 because that’s the date President Elect Barack Obama will take office and change the foreclosure procedure completely. People actually believe that the President Elect Barack Obama, will fix their foreclosure crisis. Yes, that’s right. They think he has a Magic Button that he will press and the foreclosure procedure will change and all the foreclosures will stop. If you are one of those who is stuck in the foreclosure procedure and holding on to this absurd philosophy then I have news for you.

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Can You Win If You Owe More Than Your House is Worth?

Can you win if you owe more than your house is worth?  Well, that’s a great question, and it was on the mind of Mike and Dana for the last three months. They were stuck in foreclosure. They tried to sell the house, but they could not get a sale that would be high enough to cover the amount they owed.  

They felt like their world was caving in upon them. Have you ever had this horrible feeling?  Have you been stuck in the foreclosure procedure before?  Well let me tell you some hardcore facts about what you can do.

I shared with them some tips that proved to be so powerful that they asked me to share them with everybody else.  Why did they do that?

They did that because these ideas that I shared with them actually enabled them, though stuck in the foreclosure procedure, to actually find a way out, or creatively, strategically, and through the use of much innovation stop their foreclosure procedure and end the nightmare. 

I introduced them to a group I have partnered with called the Loan Negotiator Group.  By using the services of the Loan Negotiator Group. They were able to structure a way of getting out of their mortgage, getting out of their house, and getting into a new property.

So let me share with you what I shared with them.  First of all, if you’re stuck in the foreclosure process or struggling through the foreclosure procedure, you want to be able to understand exactly where you are in the foreclosure procedure.

You’ve got to know exactly what the law is in your state, in your county, and in your city.  Then you’ve got to know exactly how much your house is worth and exactly how much you owe.

It’s just so surprising to me when I speak to people on a daily basis, that I find that they know they’re in foreclosure, but they don’t know how much they owe.

Are you in this situation?  Well then you’re not alone in that issue.  Many others are.  They don’t know how much their house is worth. They don’t know how many months they are in arrears.

And I’m like, come on man, if you really are serious about stopping the foreclosure procedure, if you really want help to get back on your feet financially, it begins by doing the little things that you can do, taking the little steps that you can take. So the first thing you’ve got to do is find out all the information that’s available to you about your house.

Most of it you already know. How much are your monthly payments, how long has it been since you’ve made a monthly payment, how much are you in arrears on your monthly payment, how much is the bank foreclosing — what is the bank foreclosure amount that they’re asking upon collections.

How much are they trying to close out the loan for?  What is the total amount of the value of the house compared to the amount that you owe on the house?  Now, if you find yourself in a position where you owe more than the house is worth you know for sure that you must make a powerful choice about what you are going to do.

Upon finding out the proper information about exactly how much the house or even just a ball park figure about how much the house is worth you can decide if you wish to walk away or stay in the house and hope the value goes back up.

If you find out that you owe more money than the house is worth, then here is the question for you, and this is a question that only you can ask.  The question is, is it worth me for to stay in the house, or should I let the house go and get another house?

Wow, what an incredible question!!!  So, let’s think about this for a moment.  If you put $50,000 down to buy the house, and now you are in a house that is worth less than you put down then clearly you’ve lost your equity due to this housing crisis. 

However don’t despair, all is not lost. Because through some creative actions taken in this depressed market you will be able to buy another property fairly easily at a tremendous discount if you buy REO’s or auctions directly from a bank. 

So, suppose you bought a house worth $200,000.  You put $50,000 down to buy the house, and you had a mortgage of $150,000 on the house, and now the house is only  worth $150,000.

Well suppose it is worth exactly how much you owe, or maybe it’s even worth less.  If it’s worth $145,000, and you owe $150,000.  The question is, well, if I walk away from the house, I have walked away from my $50,000 investment. 

But then, when you think about it, if you stay in the house, you are staying in a house that is worth far less than it was when you bought it, so you are still out your $50,000 investment. The question is what can you do in this scenario, in this situation. What is possible for somebody? Well, two things:

1. Realize that the market goes up and down.  That is what real estate markets do. They just go up and down.  So, if you were to stay, it is possible over time the market will go back up. It will go back up to $200,000 where you bought it, it will go way beyond that, and you will regain your $50,000 deposit, and even more.

So, that’s one possibility. You could stay in the house, as long as you could afford to catch up on your risk up on the monthly payments, and make those monthly payments on a regular basis, you could stay in the house.

In other words, one way to win if you are in a house where the value has diminished so greatly that it is now worth less than the mortgage on it, is just hang tight. Hold on, that’s right, hold on for the ride.

It’s going to be a bumpy ride, but hold on. Don’t cut and run, hold on. Don’t pack it in, hold on. Don’t give up, don’t quit, hold on, because as the market went down, the market can come up and most economists and real estate investors believe that once we get a few months, maybe a couple of years behind us, we will be over this economic crisis, and most of the real estate markets will come back.

Also, know that they are not making any more land out there, and yet they are still making more people, so the housing market and the real estate industry, investment industry, still responds to the basic supply and demand pattern. As supply increases, demand diminishes. As supply diminishes, demand increases.

So, what you have to know is that by staying in the house and waiting, and just being patient, most likely, you will win.  This strategy works best if you are able to afford to wait.  If you can are not pressed to sell the house or cash out your investments.

2. Another way of winning is if the market were to diminish below the value of the house — or if the market were to diminish below the value of the loan on the house, and you end up owing more on the house than the house is really worth, walk away from the house.

What would happen if you walked away?  If you could walk away safely, if you could negotiate with the bank or the lender to do a deed in lieu where you just simply turn the house over to the banker, you could walk safely.

Now walking away from the house if the house is worth less than the mortgaged value against the house is effective if you know how to do it safely.

The power of this option is that in a down economy and a depressed market where there’s an abundance of properties to buy, you can turn the foreclosure circumstances/situations into a positive thing for yourself.

For instance, right now, instead of finding yourself in a position where you are in a house that had diminished in value so greatly, and that you’re not able to make the payments, and you don’t feel inspired to make the payments or excited about making the payments because the house is no longer worth what it once was, you can walk away from that house, but don’t just do it without structuring the walk away properly with your lender. 

Then you position yourself to buy another house way below market value.  How would you do that?  Well, you would not approach a realtor. You would not buy from the regular conventional market. Instead, you would buy directly from the bank.

The real estate market right now is filled to the brim with properties for sale that are being sold right now far below the current market value.

I’m not talking about <Garbled> of being sold below the market value of a year ago or two years ago, but I’m talking about properties that are being sold far below the current market value. What does that mean for you?

Well, that means that if you walked away from a house that you bought for 200,000, you put $50,000 down, you owe $150,000 <Garbled> value of the house has gone down so that it’s now worth less than the $150,000 loan on the house.

It’s quite possible that you can find a property that’s worth $200,000 again, but you can get it for the price of $100,000 or $75,000. Wow!!! What would that mean?

That would mean that you would negotiate a loan agreement with the bank whereby you buy a piece of property that’s worth $200,000 right now to a bank auction or a bank sale off the bank’s aureoles.  You could buy a property right now that’s worth $200,000.

You can get it for 100,000, $120,000. If you were to put down 10% or 25%, 25% of $100,000, oh my goodness. You put down $25,000. Well, if you put down $25,000, you ask well where would I get the $25,000 from?

Well, that’s the place in which you have to be creative, and I’ll be glad to talk about that in my next post. But for that — for right now, I just want to leave you with the thought, and I want you to chew on the idea of, buying a piece of property that’s worth 200,000, buy it for $100,000. That’s doable.

Buy it for 120. Buy it for 130. That’s doable. You’re buying property from the aureole market that is way below its market value and would be in the property. That’s doable, and then, I know someone’s asking the question, well how do I structure this deed in lieu. 

The deed in lieu simply means you give the deed of your previous house, your old house, the one that’s lost its value, has gone way down below market value, turn that deed over to the bank, and the keys, and you escape being foreclosed upon.

This saves your credit and frees you from being responsible for the mortgage.   The biggest challenge with the deed in lieu is that it must be done properly and carefully to ensure that you are not still on the hook for a deficiency judgement or taxes that can sometimes be assessed against you for any shortfall the bank suffers. 

In order to successfully structure a deed in lieu I encourage you to do let the Loan Negotiator Group work with you directly.  By connecting with the loan negotiator group that I have partnered with you will get a powerful solution and be able to walk away free and clear.  Simply click on the link loan negotiator group, and fill out the entire questionaire completely and thoroughly.  They will contact you within 24 hours to get more information from you and help you get the loan modification that’s necessary in order to do a deed in lieu.

The Foreclosure Doctor Online

What Should I Do if I Receive a Foreclosure Letter From My Lender?

Let me tell you about John and Lana.  They were two people just like you.  They had the American dream.   Then suddenly there was a knock on the door and someone handed them a foreclosure letter.  Now it seems like their world was falling apart.  They definitely needed help with foreclosures.  What should they do?

• Contact the lender
• Call the lender
• Write a hardship letter
• Try to get a refinance
• Consider selling the home

Well they can do any one of those first.  But who really knows what the results will be. 

If you are like John and Lana, stuck in foreclosure and you’re wondering what to do, you may have already tried these methods listed above before. Most people say they have but they end up getting no response.  So why is that? Simple!  The solution you need does not just entail knowing what to do, but knowing how to do what you need to do.

That’s why I suggest you contact the Loan Negotiator Group and let them help you.  I promise you will lose your house if you simply choose to do nothing.  That’s never the right solution.  And having the right solution in mind without the right strategy, understanding and knowledge to implement it may also result in disaster.

You’re probably wondering what steps to take beyond what everyone else is doing.  That’s exactly where the Loan Negotiator Group comes in.  They offer help with foreclosures and would be prepared to work with you to help you get out of foreclosure. They are equipped with the knowledge and expertise to help you handle the situation from the time you receive the foreclosure letter all the way up until you are able to successfully get a loan modification, sell the house or find another solution.

Indeed dealing with this type of a financial problem is difficult and frustrating and many people find themselves wondering what to do once they receive a foreclosure letter.  Where should you start?

Let me share a bit more about John and Lana’s experience.  Simply put, they had it all.  You know what I mean.  They had two kids, a dog, two jobs, and a nice home.  Then times got tight. Gas prices went up, Lana’s hours at work were cut back to part-time, and some unexpected financial problems hit around the way. Before long they missed a few payments and received a foreclosure letter hand delivered at the front door. Like you, they found themselves wondering what their options were.  Thankfully, they found help and found out that there were several great options available to them.

There are many options available to you, even if you have received a foreclosure letter.  Of course there are a few things you need to look for in these options when trying to find a solution after getting a foreclosure letter. And above all you need to know that knowing how to navigate through the waters of the foreclosure procedure is not as simple as it may seem. 

Let me highlight some of the steps you must take to provide you with some helpful knowledge. But know full well that I encourage you to work alongside the Loan Negotiator Group to get your situation resolved.  It will cost you a whole lot less in the long run and save you a world of heart-ache and head-ache.

First ensure the solution you are seeking is a legal one.  Beware of people and companies trying to scam you.  Look out for the option that will work best for your specific situation.  Don’t simply believe everyone and anyone who is out there promising to offer help with foreclosures. Contact Your Lender.

If you get a foreclosure letter hand delivered at the door or in the mail from your lender, the first thing that you should do is to contact your lender.   Of course the Loan Negotiator Group will do this for you on your behalf. After communicating with you and finding out exactly where you are financially and where you want to go, they will create and have a powerful conversation explaining fully your situation.

Sometimes the conversation with the lender is easy.  At times when you speak with a lender they will have some good options for you to consider in lieu of foreclosure so you can avoid losing your home.  Whatever you do don’t just ignore the foreclosure letter from the lender – make sure you contact them right away.

Call Your Lawyer. Another important thing to do when you receive a foreclosure letter from your lender is to call your lawyer.  Your lawyer can help you to understand more about your legal obligations and options.  Once again the Loan Negotiator Group has an entire legal department that can provide you with all the legal counsel that you need.

Also, they may be able to help you declare bankruptcy if this is something that you desire to do, although I do recommend that this be a last resort.Find out your legal options by talking to a lawyer or communicating with the Loan Negotiator Group as soon as possible.

Write a Hardship Letter. Writing a hardship letter is an excellent option when you receive a foreclosure letter in the mail. While many lenders do have some good programs to help you avoid losing your home, usually you’ll find that they do require that you write a hardship letter outlining the financial difficulties you are going through that have caused you to fall behind on your payments. And yes even here in this step the Loan Negotiator Group is prepared to structure and write an effective hardship letter for you.

Try to Get a Refinance. If you can, try to get a refinance if you suddenly receive a foreclosure letter. Now this is where the Loan Negotiator Group will really shine for you.  Having a team like this on your side to speak for you is really powerful.  Many times if they are unable to get a complete refinance they are able to get a complete Loan Modification, a forebearance or a deed-in-lieu.

Consider Selling Your Home. More than likely selling your home is the last thing that you want to do, but in some cases, it can be your last resort. If you can sell it for full price or more than you owe, this is great and a wonderful way to deal with this problem when you receive a foreclosure letter from your lender. However, in a time when the housing market is down, this can be difficult. In this case, you may need to consider a short sale if your lender will agree to it.

These are just a few of the options that are on the table when you receive a foreclosure letter in the mail from your lender if you are working alone and by yourself. However if you were able to have a powerful team of highly trained and experienced business professionals beside you who are highly trained in the area of loan negotiation then suddenly a whole new world of possibilities and options will open up for you.

That is exactly why I suggest for you the Loan Negotiator Group! All you will need to do in order to get started is fill out a short questionnaire with information about yourself, your house and your situation and one of the trained professionals from the Loan Negotiator team will get back in touch with you promptly. When you do you will get a highly experienced and professional case worker who will consult with you and answer all your questions.  Then they will work with you to get you the kind of loan negotiation you are most likely eligible for.  Isn’t that what you really want anyways? A chance to save your home and safegaurd your equity?

The team of mortgage professionals at the Loan Negotiator Group has worked with hundreds of clients and has established relationships with many of the primary lenders and banks in America. They have the experience, knowledge and expertise to offer numerous solutions that can be negotiated on your behalf.  But you need to have a conversation with them first and let them know exactly what you’re looking for. These solutions include anything from a complete loan modification where your payments get lowered or a deed-in-lieu where you walk away from the house and the debt altogether without ruining your credit. Dealing with foreclosure is difficult, but there are options that can help you to avoid losing your home.   The Loan Negotiator Group is prepared to help with foreclosures no matter what your situation may be.  Look into these available options to find a way that you can avoid foreclosure and stay in the home you have worked so hard for.

The Foreclosure Doctor (Online)

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