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Foreclosure information

Posted by admin on June 17, 2011 in Florida home, Foreclosed Homes, Foreclosure Real Estate, Home, House for sale, Money, Real Estate with No Comments


What is Foreclosure?
foreclosure home nouse cheapForeclosure is a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan. The foreclosure process begins when a borrower/owner defaults on loan payments (usually mortgage payments) and the lender files a public default notice, called a Notice of Default or Lis Pendens. The foreclosure process can end one of four ways:
The borrower/owner reinstates the loan by paying off the default amount during a grace period determined by state law. This grace period is also known as pre-foreclosure.
The borrower/owner sells the property to a third party during the pre-foreclosure period. The sale allows the borrower/owner to pay off the loan and avoid having a foreclosure on his or her credit history.

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A third party buys the property at a public auction at the end of the pre-foreclosure period.
The lender takes ownership of the property, usually with the intent to re-sell it on the open market. The lender can take ownership either through an agreement with the borrower/owner during pre-foreclosure, via a short sale foreclosure or by buying back the property at the public auction. Properties repossessed by the lender are also known as bank-owned or REO properties (Real Estate Owned by the lender).
This foreclosure process allows for three opportunities for finding bargains on foreclosure homes.

Pre-Foreclosure (NOD, LIS):
Buying a property in pre-foreclosure involves approaching the borrower/owner and offering to buy the property outright. The borrower/owner can walk away with something to show for any equity in the property and avoid a bad mark on his or her credit history. The buyer has time to research the title and condition of the property and can realize discounts of 20-40 percent below market value.
More about pre-foreclosures:

Wondering what happens after foreclosure? Then please read on. Remember that understanding foreclosures is the first step for homeowners to stop foreclosure. It is also the first step for investors to buy foreclosure properties.

foreclosure home house cheapAuction (NTS, NFS):
If the loan is not reinstated by the end of the pre-foreclosure period, potential buyers can bid on the property at a public auction. Buyers often are required to pay in cash at the auction and may not have much time to research the title and condition of the property beforehand; however, a public auction often offers some of the best bargains and avoids the unpredictability of dealing directly with the borrower/owner.
More about Foreclosure auctions

Bank-owned (REO):
If the lender takes ownership of the property, either through an agreement with the owner during pre-foreclosure or at the public auction, the lender will usually want to re-sell the property to recover the unpaid loan amount. The lender will then typically clear the title and perform needed maintenance and repair; however, the potential bargain for these REO homes is typically less than a pre-foreclosure or auction property. Bank foreclosures can become government foreclosures if the loan is backed by a government agency such as the Department of Housing and Urban Development (HUD) or the Department of Veterans Affairs (VA). In that case the government agency would be responsible for selling the property.
More about HUD foreclosures and VA foreclosures

Before you buy:
You'll need to make sure you're armed with the foreclosure data you'll need to find and buy foreclosed homes. You can start by searching free on RealtyTrac’s foreclosure listings database, which includes pre-foreclosure and auction properties across the country and a nationwide bank foreclosures list.

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Best Tips on Saving Your Marriage

Posted by MyMy on February 3, 2011 in Family, Love, Marrige, Relationship with No Comments


marriage love familyModern statistics on marriages is pretty sad. About 50% of marriages end up in divorce. This explains popularity of various marriage tips that partners are looking for. Indeed, no one wants to break marriage and divorce since it is very traumatic experience. No one wants to go through this process. The situation is even aggravated when divorced couples have children or monetary claims against each other.

Never be in a hurry when feeling that your marriage faces problems. Just stop to think about it and look around you. The point is that you will always have an opportunity to break up your marriage while it might be impossible to restore it. You need to have an action plan. You must be ready for certain changes which you might not like. However, these changes might help you save your relationships. Below are four tips on how to save your marriage.

Tip 1 – Do not be critical about your partner and never discuss negative features personally. Destructive behavior will never help you save your marriage. Just to the contrary it will destroy it as soon as possible. You might possible regret it, but it will be too late. Relationships are about sharing love, but not discussing each other’s negative features and drawbacks.
Tip 2 – Always try to look for positive features in your partner. Think of features that attracted you in the beginning of your relations. Be positive. Without any doubt, every person has positive features. You may also keep a list of features that you like. Remember that thoughts tend to materialize. Thus, if you think of something negative you will face problems, and vice versa.
Tip 3 – Look for creative ways to praise your partner. We all want to be appreciated and praised. Sometimes, men and women forget that their partners are real people who need to be appreciated. We all need support. Sure, you should avoid flattering and false appraisal. Show gratitude and respect for what your partner is doing for you. This always helps save relationships when they go sour.
Tip 4 – Do not pressure your partner. Patience and tolerance are all important. Keep in mind that we all want to be loved but not criticized. Do not make any ultimatums. If your partner understands that you are ready to discuss problem. Be ready to talk. Never make any decisions in haste. This never helps, although many people love making rush decisions.

Sure, these are not all tips that you can use to save your marriage. You need to remember that your spouse is a real person, although you got used to the fact living with him/her. Also remember that your marriage is perhaps the most valuable thing in life. Do not waste it.

5 Tips on Self Help Marriage Counseling

We are in the age of information where you can access everything and where you can find out how you can repair almost anything, from furniture to marriages. So, in case you are seeking self help marriage counseling, here are some pointers which you might want to take into consideration.

1. Consider Help

If you think that you solve your marriage problems with the help of the internet and self help marriage counseling you should consider incorporating tools and techniques from professionals. If you have more information you will be able to analyze properly the situation and actually choose from more choices and discover what does not work in your relationship.

2. About your friends

Be careful in who you confide your problems. Even if you have a really close friend in which you confide, be careful not to burden them with your problems. If you do that, he/she in turn will turn to another person to confide in them. The last thing you want to happen when you are having marriage problems is for rumors after rumors to appear.

3. Don't project

When you are searching for help to your marriage problems, you should be careful not to project onto your partner. When we are facing problems in a relationship, we tend to think about our past problems and insecurities in a relationship. The answer is not to project, but actually to discover what is the actual problem. How can you accomplish this?

4. Communication is Key

Communication is the key to any marriage and is actually vital in self help marriage counseling. In fact, the greatest problem in any relationship is the lack of communicating. This is the only way to know the person and to understand them and to know what they are thinking, to ask them. Try not to practice mind reading. It might have destructive results.

Just like it happens in projecting, you might see something and make conclusions only on what you saw, based on your fear and anxiety or low self esteem. When you judge a person without knowing all the facts, you are most likely to make mistakes and they are hard to undo.

5. Is it productive?

Most people, who are seeking marriage counseling, actually do not want to admit that their marriage isn’t working. Some marriages can be saved, some cannot.

Make an inquisition on your marriage. Are you happy with your spouse, do you feel happy together, do you have things in common? You might have grown apart and before jumping into a self help marriage counseling you should analyze how you feel and how is your relation with your spouse.

Take a piece of paper and do the time tested Ben Franklin. Draw a line in the middle on the paper and on one side write down all the positive aspects of your marriage and on the other all the negative ones. When you have finished this, next to each topic, write down a feeling. For example, you have “worked over hours for the past three months” on the list. How does this make you feel? Are you indifferent, sad, angry or feel neglected?

The most important thing of a healthy relationship is how you feel when you are with your partner. The list will help you see if that person treats you like a valuable and irreplaceable treasure or not.

Relationships and are complicated and marriages even more. But it’s when we forget about the other person that problems arise. If we begin to take their feelings for granted we will make them feel like an object and not like a treasured companion.

When we have so much information available at just one click away, you might feel you can resolve anything with the help of the internet, even self help marriage counseling.

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