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Home Loan Lenders - Finding the Best Home Mortgage Lender
The process of obtaining a mortgage or home loan can be very stressful and quite time consuming. Finding the best lender for your situation requires research and comparisons between lenders and loan packages. You may be searching for a first time...
It's not to Late To Get a Great Mortgage Rate
Despite recent increases mortgage rates are still very competitive. Weather you’re considering to refinance or to purchase a home it is still possible to get loans still in the upper 5% range. Rates like this are still making it possible for people...
Low Income Home Loans - FHA and VA Mortgage Loans Can Help You Get Approved
If you have low income and are looking to get approved for a home mortgage loan. There are many programs available to help you get approved. Whether you are looking to purchase a new home or to refinance your existing home, with the following low...
Mortgage Refinancing Tips
As interest rates continue to creep upwards, many home owners
are looking at refinancing options. Here are some mortgage
refinancing tips.
Mortgage Refinancing Tips
Rates have been increasing steadily for the last six months.
These...
Refinance Your Home Mortgage Online
Copyright 2005 Jim Edwards The largest financial obligation most people ever take on couldn’t escape the reach of the Internet. Home mortgage loans originated online comprise an integral part of one of the largest and most profitable aspects of the...
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Home Loans and Mortgages – Beware of Deed Theft Scam
The average home in the United States has a value of $206,000, a record amount. Real estate prices have been rising throughout the country during the last five years, and homeowners have seen the value of their property skyrocket. In California alone, the equity in private homes has increased by more than one trillion dollars in the last five years alone. Many homeowners do not even realize that their home may be worth hundreds of thousands of dollars more than they know. Unfortunately for them, a new breed of thieves is well aware of the value of home equity, and a scam known as “deed theft” has allowed them to steal homes from thousands of people.
Deed theft is simple in principle. The perpetrators of deed theft post flyers around town offering “foreclosure help.” They seek homeowners with mortgages who may be experiencing some temporary financial setback that threatens them with foreclosure. It’s not uncommon for people who have been living in their homes for years to have a sudden financial emergency that prevents them from making their house payments. Perhaps a job loss or illness is to blame. The economic downturn of the last five years has left a lot of people struggling to pay their bills, and these are the people that the deed thieves seek. Their flyers promise to help those in danger of having their homes taken through foreclosure. The thieves meet with the homeowners and ask to have the title to the home transferred to them. In exchange, the “rescuer” will promise to pay the delinquent bills and rent the home to the victim for a year or so at a fair price. During this time, they say, the homeowner can save their money or pay off other bills. At the end of that year,
the victim can buy the house back from the “rescuer.”
This seems like a friendly gesture, except that the “rescuer” has no intention of selling the home back to the victim. Once the title is signed over to them, they legally own the home. They may evict the victim, sell the home, or borrow against it, and there is little recourse for the victim, who is now nothing more than a squatter. Many of these victims fail to realize that they may have had hundreds of thousands of dollars in equity in their home or that their mortgage company may have been willing to either refinance their home or assist them in some other way with making their payments, perhaps by assisting them with to debt consolidation.
This scam is currently popular across the country and homeowners could easily avoid being victimized by simply calling their mortgage company at the first sign of financial struggle. Mortgage companies aren’t really interested in foreclosure; they’d much rather get paid if at all possible. Before accepting the “help” of strangers who post signs on streetcorners, homeowners should start by asking help from those with whom they are already doing business. Doing so could not only save the homeowner money, it could save the homeowner’s house.
About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.
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