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Month: June 2013

Posted on June 25, 2013 in
It seems like a never ending string of bad press when it comes to Bank of America and how they handled loan modifications for underwater and delinquent homeowners.  The most recent allegations though are so offensive, if true, that it will almost certainly lead to another significant settlement from the big bank. Bank of America...
Posted on June 17, 2013 in
In the age of Twitter, Facebook and Instagram, people can know what you are doing and thinking every moment of the day.  This isn’t so much a problem when you are posting pictures of Sally’s adorable ballet recital or bragging about a recent beach vacation, but it can turn into a problem when you file...
Posted on June 12, 2013 in
What are HUD and Fannie/Freddie doing about the REO and Shadow Inventory? FHA:  Notes Sales and Distressed Asset Stabilization Program In 2010, FHA began its Note Sales program.  Essentially, FHA sold off notes of homeowners that they could not assist under their guidelines in an effort to allow for more options under a different investor. ...
Posted on June 11, 2013 in
Q:        How do I obtain a copy of my credit report? A:        There are multiple ways to pull a copy of your credit report online.  The majority of credit report websites charge a minimal upfront fee (sometimes as low as $1.00) and then usually charge a monthly fee (generally around $15/month) which allows you to...
Posted on June 5, 2013 in
Recently a report was released by HUD and FHFA (Fannie Mae and Freddie Mac) that sheds some light on the issue of  “Shadow Inventory”.  This report is from the Federal Housing Finance Agency Office of Inspector General.  There was some concern in the housing industry that the banks were holding on to huge inventories of...
Posted on June 4, 2013 in
Recently, there has been much focus placed on consumer credit reports and the accuracy, or inaccuracy, of said reports.  Under the Fair Credit Reporting Act, you have a right to have a credit report that is up to date and accurate.  If your credit report is not up to date or is inaccurate you have...
Posted on June 3, 2013 in
In 2009, Nevada legislature created stricter requirements and oversights for the J-1 Physician Visa Waiver Program.  This program was created to help combat the shortage of qualified physicians in health professional shortage areas (HPSA) or medically underserved populations (MUP).   Through the program, foreign medical physicians with a minimum three-year offer of full-time employment in designated...