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http://rismedia.com/2010-07-06/how-to-answer-5-common-questions-homeowner=
s-have-about-default/












How to Answer 5 Common Questions Homeowners Have About Default
 Print Article=20
RISMEDIA, July 7, 2010-With so many homeowners facing tough decisions =
about their mortgages in or approaching default, questions abound about =
how to best handle the complex situation with the bank lenders they're =
indebted to. To help clarify such confusion and shed light on optimal =
homeowner options, real estate finance expert Marian Anthony, author of =
Short Sale RUSH, sheds light on the five most common questions =
homeowners in default are asking.=20

1. Should I intentionally default on my home mortgage?
Today, many people are 'intentionally' or 'strategically' defaulting =
because cash is more valuable than credit. Because many of the banks =
were unethical, some borrowers don't feel the 'moral obligation' to pay, =
especially when the banks are being less than cooperative as buyers try =
to work things out. Rather than defaulting, the best thing to do is use =
the Section 702 program of the Obama act, which allows a qualified =
third-party buyer to take possession and make a 'bona fide' offer to the =
bank. This helps show the debt 'settled' on your credit and can =
eliminate the second mortgages completely. Walking away and allowing the =
bank to foreclose still allows the second lender to render a =
judgment-and possibly garnish your wages. You may also have to file for =
bankruptcy to recover from the credit nightmare.

2. As a borrower, what are some ways I can gain leverage with my =
mortgage holder?
One way to gain leverage with a lender is to establish a 'substitute =
mortgage'-a security pledge that is offered to the seller's lender, with =
a third party (lawyer or Escrow company) for a lesser amount of the =
current payment. Over time, this will result in a significant amount of =
collected funds that can be used as negotiating leverage to release the =
borrower from the debt, or dictate terms for a loan modification in the =
borrower's advantage.

3. Why have loan modifications and foreclosures become the predominant =
answer for so many in distressed property situations, and why can this =
be problematic?
The reason why loan modifications and foreclosures have become the =
answer for so many is because many real estate professionals erroneously =
consider the short sale process to be too complex. Not knowing how to =
orchestrate the transaction and not having the correct forms and contact =
information with all the different parties is overwhelming for many =
Realtors, so they forego an option that would otherwise be in the =
owner's best interest. The result is unnecessary spending of tax payer's =
funds that are being used for the alternative solutions, when capital =
contributions from the 'street level' can be used to offset the losses =
and payoff the delinquencies without requiring such taxpayer =
contribution.

4. Why is a short sale strategy more advantageous than a loan =
modification or foreclosure approach?
The reduced payoff in a short sale can release you from the debt =
obligation. This allows you to re-establish your credit faster and =
re-enter the market much wiser. A loan modification actually builds a =
debt trap around the borrower who is emotionally attached to a property, =
milking the borrower for every last nickel. A foreclosure ruins a =
homeowner's credit and takes a much longer time period to recover from.

5. I've heard borrowers in default need a 'General Public Disclosure?' =
Why?
Many people are not aware of the 'alternatives' when facing foreclosure. =
The state and the federal agencies do not provide any literature to =
default borrowers as a 'preventative' measure. Knowing your options, as =
detailed on a General Public Disclosure document, can make all the =
difference in establishing a deal that's in the homeowners' best =
interest.

About Marian Anthony
Real estate finance expert, author and speaker, Marian Anthony is the =
President of Anthony Realty Group (ARG)-a San Diego-based consumer =
advocacy agency that helps educate real estate professionals throughout =
Southern California to better assist home buyers and investors. Anthony =
is also founder of the California Default Mortgage Hotline-a non-profit =
public interest group availing financially-stressed homeowners in =
mortgage default with validated information and industry resources.

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<H2 sb_id=3D"ms__id211">How to Answer 5 Common Questions Homeowners Have =
About=20
Default</H2>
<P style=3D"MARGIN: 0px; PADDING-LEFT: 14px; COLOR: #666666; FONT-SIZE: =
11px"=20
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href=3D"http://rismedia.com/2010-07-06/how-to-answer-5-common-questions-h=
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sb_id=3D"ms__id215"></A>&nbsp;<A title=3D"Print Article"=20
href=3D"http://rismedia.com/2010-07-06/how-to-answer-5-common-questions-h=
omeowners-have-about-default/print/"=20
rel=3Dnofollow sb_id=3D"ms__id216">Print Article</A> =
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<P sb_id=3D"ms__id218"><A=20
href=3D"http://rismedia.com/wp-content/uploads/2010/07/bank_loan.jpg"=20
sb_id=3D"ms__id219"><IMG class=3D"alignleft size-full wp-image-47665" =
title=3D56529498=20
alt=3D"" =
src=3D"http://rismedia.com/wp-content/uploads/2010/07/bank_loan.jpg"=20
width=3D265 height=3D177 sb_id=3D"ms__id220"></A>RISMEDIA, July 7, =
2010=97With so many=20
homeowners facing tough decisions about their mortgages in or =
approaching=20
default, questions abound about how to best handle the complex situation =
with=20
the bank lenders they=92re indebted to. To help clarify such confusion =
and shed=20
light on optimal homeowner options, real estate finance expert Marian =
Anthony,=20
author of Short Sale RUSH, sheds light on the five most common questions =

homeowners in default are asking. <SPAN id=3Dmore-47664=20
sb_id=3D"ms__id221"></SPAN></P>
<P sb_id=3D"ms__id222"><STRONG sb_id=3D"ms__id223">1. Should I =
intentionally default=20
on my home mortgage?</STRONG><BR sb_id=3D"ms__id224">Today, many people =
are=20
=91intentionally=92 or =91strategically=92 defaulting because cash is =
more valuable than=20
credit. Because many of the banks were unethical, some borrowers don=92t =
feel the=20
=91moral obligation=92 to pay, especially when the banks are being less =
than=20
cooperative as buyers try to work things out. Rather than defaulting, =
the best=20
thing to do is use the Section 702 program of the Obama act, which =
allows a=20
qualified third-party buyer to take possession and make a =91bona =
fide=92 offer to=20
the bank. This helps show the debt =91settled=92 on your credit and can =
eliminate=20
the second mortgages completely. Walking away and allowing the bank to =
foreclose=20
still allows the second lender to render a judgment=97and possibly =
garnish your=20
wages. You may also have to file for bankruptcy to recover from the =
credit=20
nightmare.</P>
<P sb_id=3D"ms__id225"><STRONG sb_id=3D"ms__id226">2. As a borrower, =
what are some=20
ways I can gain leverage with my mortgage holder?</STRONG><BR=20
sb_id=3D"ms__id227">One way to gain leverage with a lender is to =
establish a=20
=91substitute mortgage=92=97a security pledge that is offered to the =
seller=92s lender,=20
with a third party (lawyer or Escrow company) for a lesser amount of the =
current=20
payment. Over time, this will result in a significant amount of =
collected funds=20
that can be used as negotiating leverage to release the borrower from =
the debt,=20
or dictate terms for a loan modification in the borrower=92s =
advantage.</P>
<P sb_id=3D"ms__id228"><STRONG sb_id=3D"ms__id229">3. Why have loan =
modifications=20
and foreclosures become the predominant answer for so many in distressed =

property situations, and why can this be problematic?</STRONG><BR=20
sb_id=3D"ms__id230">The reason why loan modifications and foreclosures =
have become=20
the answer for so many is because many real estate professionals =
erroneously=20
consider the short sale process to be too complex. Not knowing how to=20
orchestrate the transaction and not having the correct forms and contact =

information with all the different parties is overwhelming for many =
Realtors, so=20
they forego an option that would otherwise be in the owner=92s best =
interest. The=20
result is unnecessary spending of tax payer=92s funds that are being =
used for the=20
alternative solutions, when capital contributions from the =91street =
level=92 can be=20
used to offset the losses and payoff the delinquencies without requiring =
such=20
taxpayer contribution.</P>
<P sb_id=3D"ms__id231"><STRONG sb_id=3D"ms__id232">4. Why is a short =
sale strategy=20
more advantageous than a loan modification or foreclosure =
approach?</STRONG><BR=20
sb_id=3D"ms__id233">The reduced payoff in a short sale can release you =
from the=20
debt obligation. This allows you to re-establish your credit faster and =
re-enter=20
the market much wiser. A loan modification actually builds a debt trap =
around=20
the borrower who is emotionally attached to a property, milking the =
borrower for=20
every last nickel. A foreclosure ruins a homeowner=92s credit and takes =
a much=20
longer time period to recover from.</P>
<P sb_id=3D"ms__id234"><STRONG sb_id=3D"ms__id235">5. I=92ve heard =
borrowers in=20
default need a =91General Public Disclosure?=92 Why?</STRONG><BR=20
sb_id=3D"ms__id236">Many people are not aware of the =91alternatives=92 =
when facing=20
foreclosure. The state and the federal agencies do not provide any =
literature to=20
default borrowers as a =91preventative=92 measure. Knowing your options, =
as detailed=20
on a General Public Disclosure document, can make all the difference in=20
establishing a deal that=92s in the homeowners=92 best interest.</P>
<P sb_id=3D"ms__id237"><STRONG sb_id=3D"ms__id238">About Marian =
Anthony</STRONG><BR=20
sb_id=3D"ms__id239">Real estate finance expert, author and speaker, =
Marian Anthony=20
is the President of Anthony Realty Group (ARG)=96a San Diego-based =
consumer=20
advocacy agency that helps educate real estate professionals throughout =
Southern=20
California to better assist home buyers and investors. Anthony is also =
founder=20
of the California Default Mortgage Hotline=97a non-profit public =
interest group=20
availing financially-stressed homeowners in mortgage default with =
validated=20
information and industry resources.</P></DIV></DIV></BODY></HTML>

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