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No one could have predicted this odd event, so sure I assumed the risk of something odd happening while I did this. If they are strictly places to live, then who cares what your rate is or what you pay? It is not ONLY an investment because yes you have to live somewhere, but we could easily live in apartments and never easy payday buy houses, we buy houses because ownership is said to have a financial benefit and stability. If you read my post, it was not meant to spark a philosophical discussion about what someone SHOULD do, it asked perceptions about what someone COULD do. I am not looking for support or reassurance, I am looking for FACTS about what is possible. However I am not interested in what you think I should do, or what lessons I should have learned. In fact, I think I did pretty good with advance loans the crash in 2008. I had a house that I was upside down in and I went and purchased another and rented usa cash loans the upside down house. It got wrecked and beat up and I collected rent and let it go.

I purchased the new house in 2010 and made a lot off easy payday of it because it was purchased at a deep discount. So that equity I did not fast payday loan online allow to just evaporate like I did before. I did a cash out refi and put the money in a savings account to use for the down payment on a new house. I still have equity left to sell and maybe have about 40 or 50k leeway.

Maybe I have to drop the price, maybe it gets so bad I cant sell. I already got my money out of it, unlike last time when I lost all the money I put down. My post was to perception check regarding cash out refinances and foreclosure. Yes I can afford the new home, its more but affordable. So If easy payday I lost this one I would be out my remaining equity, but I got the majority out of it already. I started this in October and the market has been great. No one could have predicted this odd event, so sure I assumed the risk of something odd happening while I did this.

If they are strictly places to live, then who cares what your rate is or what you pay? It is not ONLY an investment because yes you have to live somewhere, but we could easily live in apartments and never buy houses, we buy houses because ownership is said to have a financial benefit bad credit personal loans in san antonio and stability.

If you read my post, it was not meant to spark a philosophical discussion about what someone SHOULD do, it asked perceptions about what someone COULD do. I am not looking for support or reassurance, I am looking for FACTS about what is possible. You buy a bad credit loans today house, raise a family and then downsize to a smaller house when you retire. Invest cash advance direct lenders your money in the stock market, not in your house. And I agree with you that home ownership does give you financial benefits and stability that a rental apartment can not. Your last sentence sums it up well for you and what you consider an acceptable level of risk: It sounds like we both made it through the 2008 crisis but in different ways. I certainly look at housing much different than I did back then and will even tell you that I thought exactly like you when I bought my first house almost 30 years ago. However, when you get older, risk tolerance changes and I could not go through it again. You brought out different views, very important ones. Jzone is more humble and conservative in future decisions. Where as, OutsickToday is seeking opportunities at a risk and actually took advantage of the previous situation. But the bottomline is everyone background and situation are different. One may have family depending on them to have a shelter. Other may have rich relatives to retreat when all is gone.

But high on the list, if it is true with what damage the Corona virus can do, we will all need to be humble and conservative. You buy a house, raise a family and then downsize to money right now a smaller house when you retire. Invest your money in the stock market, not in your house. And I agree with you that home ownership does give you financial benefits easy payday and stability that a rental apartment can not. Your last sentence sums it up well for you and what you consider an acceptable level of risk: It sounds like we both made it through the 2008 crisis but in different ways. I certainly look at housing much different than I did back then and will even tell you that I thought exactly like you when I bought my first house almost 30 years ago.

However, when you get older, risk tolerance changes and I could not go through it again.

I have helped a lot of people on here in the past save their homes and I concur with you, about the house is a home. I will not help anyone who is trying to profit off advice here, for their investments and believe people like that should be banned from this site. I believe that is not what this site was intended for.

On what grounds would there be a wrongful foreclosure claim? Did they do something in particular, wrong that could be used in your favor? If you had made the 3rd Payment, they would have released the NOD and would have had to start the entire foreclosure process from scratch. I used some people help from here and I appreciate it a lot.

The rate is calculated for a 20 years amortization.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

The best outcome is that this costs me NOTHING, I prefer not to hire an attorney. I also really would like to avoid having to fill out mountains of paperwork and sending them any personal details like my bank accounts or tax returns. I do not trust them with my personal information seriously. I have not responded at all to the notice of default but the I think to date to cure is the 9th so the clock is ticking...

I lost my previous threads las vegas payday loans online and I know I had someone offer to help me.... I used this thread to navigate the whole thing, and was coached, pointed in the right direction too many easy payday times to count.

Long story short I went from being 100,000 upside down with an adjustible interest only loan, to being 100,000 in equity with a fixed for 30. I am about to refi to a fixed for 15 to take advantage of the low rates.

With FHA you can do all of that a few years after forclosure. I bought my house before the foreclosure, but didnt have to. For conventional it will be 7, but far easy payday less for FHA. If you can save your house without killing yourself to do so, by all means do it.


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There seems to be a few more options than before, but still not what the banks got out of the deal. Our bailout never came, so we have to make our own bailout. Getting over the socialization that we have all be indoctrinated to believe, that things are fair and if you do the right things then all will be fine, that banks are somehow looking out for us and the system is a personal loans for fair credit fair one that includes the little guy.

All of that is BS and very little of our situation was of our own doing. The jobs we either lost, had our hours cut in, loans for schooling we owe, all of that.

The situation that the system has set up is to keep the wealthy just that, but more so. Play by the rules, there are lots of fun places to run on wheels, and rules were meant to be bent. I had a countrywide loan, then BOA and now they transfereed me to Di Tech.

I am currently in a HAMP since 2010 and have been keeping it just under the 90 day default date. Now they are sending me info regarding my recent requests lol.

Ocwen withdrew their MSJ after getting my response(s). They are guessing and easy payday do not have accurate accounting.

I find new fraud every time I get out the magnifier, but I try not to do that too often. It goes on to state that there are times when delays become inevitable and that is fine, as long as it is documented, so 27 months in not a set-in-stone timeline.

Maine is a mediation state, which I imagine is helpful in drawing it out. My daughter graduates in 3 years, and part of me wants to set that as my crazy longterm goal, but I think that might be asking too much.

To make necessary improvements as well as the fact that it would help us have cash on hand for a rental when the time comes for us to move.