Wachovia Savings and Loan ( a Wells Fargo Company) has unveiled a new program for mortgage holders that received their loans from World Savings Bank through the Pick a Pay Mortgage program.  A huge number of recipients of this program are now finding themselves under distress with regards to making the monthly payments on their homes and defaults on these mortgages are on the rise.  Word Savings owned these loans outright (rather than having sold the loans to secondary party investors), when Wachovia bought World Savings they bought these loans as well.  I have been able to have personal meetings with the Short Sale Home Division of Wachovia and can actually assist home owners that may have these loans sell their properties short of what they actually owe on the mortgage (short sale).  The best part of this scenario is that Wachovia is most likely willing to allow the short sale with minimal penalties to the home owner (and is actually encouraging home owners to take this route rather than foreclosure).   Contact us immediately for more information on this opportunity if you think you may have one of these pick and pay loans and are finding yourself under financial hardship.  Dave Higgins (888) 627-4399 x.0 Keller Williams Realty.  You can also go to THIS LINK and fill out the request form, we will contact you within 24 hours to see if we can be of service.

How would you like to save 20 to 30 percent off your current mortgage payment?
If you’re a homeowner who is behind in payments and facing foreclosure or with an adjustable rate mortgage and having trouble getting your loan modified there’s a way. It’s the Forensic Loan Audit. Here’s how it works:
Performed by mortgage industry experts the audits discover whether the Truth in Lending Act was violated in preparing your closing documents or whether lender adequately disclosed the terms of the loan. According to the act, even a small mistake in calculating the annual percentage rate could enable you to rescind your loan or get a lower interest rate through a loan modification.
Experts say loan modifications typically save homeowners 20 to 30 percent off their current monthly mortgage payment.
For more information on obtaining a Forensic Loan Audit in this area contact www.mlsEastBay.com proffessionals at QuickSafeLoanMod. They have partnered with Certified Financial Protection Group to provide this service. Certified guarantees to get a loan modification for their clients or they will refund all the client’s money.

   Homeowners who are behind in mortgage payments and in danger of losing their homes now have a new tool to help them. It is called Forensic Loan Audits. It also can help those with adjustable rate mortgages who are having trouble getting their loans modified.

Performed by mortgage industry experts the audits discover if a lender violated the Truth in Lending Act or made any errors while preparing closing documents or neglected to adequately disclose the terms of the loans. According to the Truth in Lending Act even a small mistake in calculating the borrower’s annual percentage rate could enable the homeowner to rescind the loan or get a lower interest rate through a loan modification..

Loan modifications typically save homeowners an average of 20-30% off their current monthly mortgage payment.

To offer Forensic Loan Audits in this area Realtors Dave and Carla Higgins have partnered with Certified Financial Protection Group. Certified guarantees to get a loan modification for their clients or they will refund all of the client’s money

For more information on obtaining an audit go to SaveMyHouse and watch the informational video from MSNBC