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<title>Dan Harris - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Dan_Harris</link>
<pubDate>Tue, 14 Feb 2012 19:15:53 -0600</pubDate>
<image><title>Dan Harris - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Dan_Harris</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Dan Harris wrote the book on "How To Modifiy Your Mortgage" and operates LoanModMan.com a FREE forum for distressed homeowners who need help in negotiating with their lenders to obtain a Loan Modification. Dan can provide detailed information on loss mitigation strategies, loan modification tactics, debt negotiation and more. He can be reached at LoanModBook.com  or LoanModMan.com]]></description>
<lastBuildDate>Thu, 21 Jan 2010 11:07:38 -0600</lastBuildDate>
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<title>We the People Vs the Banks - A HAMP Storm is Brewing</title>
<link>http://EzineArticles.com/3591045</link>
<guid>http://EzineArticles.com/3591045</guid>
<pubDate>Thu, 21 Jan 2010 11:07:38 -0600</pubDate>
<description><![CDATA[The current system appears to be a mess and the trial period has created a new layer of bureaucracy in an already bogged down system. Banks who made the original loans with little or no documentation and closed them sometimes in less than a week from application now routinely take 5, 6 or 7 months to approve a loan modification. The irony doesn't go unnoticed.]]></description>
</item>
<item>
<title>HAMP and HAMP Loan Modification - The Definitive How to Guide</title>
<link>http://EzineArticles.com/3514882</link>
<guid>http://EzineArticles.com/3514882</guid>
<pubDate>Wed, 06 Jan 2010 00:43:52 -0600</pubDate>
<description><![CDATA[If you take the time to prepare and do it in a well organized manner you will improve your chances of getting a modification under HAMP greatly. Get educated QUICKLY; learn everything you can about the HAMP guidelines and what your lender offers in the way of assistance. Plan your request for assistance and be organized and prepared BEFORE you submit anything to your lender. This article will help you to get a HAMP modification.]]></description>
</item>
<item>
<title>How a Telephone Can Prevent Foreclosure</title>
<link>http://EzineArticles.com/3509823</link>
<guid>http://EzineArticles.com/3509823</guid>
<pubDate>Tue, 05 Jan 2010 15:44:06 -0600</pubDate>
<description><![CDATA[More than 50% of people who lose their homes in foreclosure NEVER speak to their lender. That is a staggering statistic! Once you force yourself to pick up that phone, you will realize that you can save your home by communicating with your lender. This Article should convince you to pick up the phone and make those crucial phone calls.]]></description>
</item>
<item>
<title>HUD Approved Counselors and Hamp Loan Modifications - A Cautionary Tale?</title>
<link>http://EzineArticles.com/3507503</link>
<guid>http://EzineArticles.com/3507503</guid>
<pubDate>Tue, 05 Jan 2010 10:55:16 -0600</pubDate>
<description><![CDATA[If your are looking for help in obtaining assistance from your lender when applying for a loan modification you may have already received loads of communications from your lender telling you that Free Help is available. They even go so far as to provide you with the name, address, and telephone numbers of HUD Approved counselors. Before strolling into one of these counseling groups you should ask yourself a few questions:]]></description>
</item>
<item>
<title>How to Get a HAMP Loan Modification Approved</title>
<link>http://EzineArticles.com/3507744</link>
<guid>http://EzineArticles.com/3507744</guid>
<pubDate>Tue, 05 Jan 2010 10:35:40 -0600</pubDate>
<description><![CDATA[At the beginning of 2008 lenders on their own were doing far more permanent loan modifications than they have been able to accomplish under the government HAMP program since April 2009. This article could be the help you need to succeed in getting your loan modified.]]></description>
</item>
<item>
<title>How to Use HAMP Loan Modification in 2010 to Save Your Home</title>
<link>http://EzineArticles.com/3506424</link>
<guid>http://EzineArticles.com/3506424</guid>
<pubDate>Tue, 05 Jan 2010 09:49:22 -0600</pubDate>
<description><![CDATA[As 2010 begins and lenders appear to continue efforts to mitigate losses will corporate tycoons finally pony up and demonstrate a new level corporate responsibility? Although many lenders have made substantial efforts in assisting distressed borrowers, they have not yet made a dent in the enormous number of bad loans that need to be mitigated. ]]></description>
</item>
<item>
<title>Stop Paying Your Mortgage - Is Your Lender Suggesting This?</title>
<link>http://EzineArticles.com/3470467</link>
<guid>http://EzineArticles.com/3470467</guid>
<pubDate>Thu, 24 Dec 2009 03:29:54 -0600</pubDate>
<description><![CDATA[I have counseled many borrowers who have been told by customer service representatives at their bank that if they were behind on payments they could help them. Some bank representatives come right out and tell borrowers to stop making payments. Should you use this tactic to force your lender into submission? This article will help you decide.]]></description>
</item>
<item>
<title>Is a 2% Modified Mortgage Rate Really Helpful?</title>
<link>http://EzineArticles.com/3456461</link>
<guid>http://EzineArticles.com/3456461</guid>
<pubDate>Tue, 22 Dec 2009 21:49:14 -0600</pubDate>
<description><![CDATA[I am here to tell you that all loan modifications are not created equal. There are REAL Loan Modifications and there are repayment plans disguised as Loan Modifications. There are loan modifications made by lenders that are nothing more than a band aid on life threatening wound. Then there is the REAL loan modification made by lenders who are sincerely trying to help homeowners overcome economic adversity and solve the problem long term.]]></description>
</item>
<item>
<title>How Mortgage Modification Re-Default Rates Are Changing</title>
<link>http://EzineArticles.com/3432696</link>
<guid>http://EzineArticles.com/3432696</guid>
<pubDate>Tue, 22 Dec 2009 15:43:26 -0600</pubDate>
<description><![CDATA[In the past, modifications that increased payments were made less often and tended to mitigate losses effectively. As our economy declines this approach can carry added risk, hence the new found penchant for strict verification procedures by lenders and servicers.]]></description>
</item>
<item>
<title>7 Steps to Modifying Your Mortgage Or How to Modify Your Mortgage</title>
<link>http://EzineArticles.com/3453295</link>
<guid>http://EzineArticles.com/3453295</guid>
<pubDate>Tue, 22 Dec 2009 14:51:44 -0600</pubDate>
<description><![CDATA[For those of you who want to go it on your own you are now as prepared as you can be. Send your lender a COMPLETE package with everything they requested. If you do not have the ability to provide something they have asked for, write an explanation letter explaining why. Once your lender has a full package they will tell you how long it takes to process the paperwork. Take this information with a grain of salt.]]></description>
</item>
<item>
<title>How HAMP Loan Modification Can Save Your Home</title>
<link>http://EzineArticles.com/3455669</link>
<guid>http://EzineArticles.com/3455669</guid>
<pubDate>Tue, 22 Dec 2009 14:30:05 -0600</pubDate>
<description><![CDATA[Under the new HAMP initiative struggling homeowners have an opportunity to reduce their monthly mortgage payments and keep their homes. That means that homeowners in need of assistance now have a life line. The sale of your home in foreclosure can be stopped, and you and your family can stay in your home. If you've been thinking about trying to save your home, the best way to do it is to act immediately.]]></description>
</item>
<item>
<title>6 Things Every Struggling Homeowner Should Know About the Obama Home Affordable Modification Plan</title>
<link>http://EzineArticles.com/3438904</link>
<guid>http://EzineArticles.com/3438904</guid>
<pubDate>Fri, 18 Dec 2009 11:53:39 -0600</pubDate>
<description><![CDATA[Many borrowers who were able to obtain mortgages during the housing boom without having to provide income documentation may be surprised by the level of income verification that comes along with HAMP. Banks that wrote sign and drive or liar loans without as much as a job listed on the loan application now require complete documentation for a HAMP payment reduction.]]></description>
</item>
<item>
<title>Is a Mortgage Cramdown a Good Alternative For You?</title>
<link>http://EzineArticles.com/3423868</link>
<guid>http://EzineArticles.com/3423868</guid>
<pubDate>Tue, 15 Dec 2009 15:11:44 -0600</pubDate>
<description><![CDATA[On Friday December 11th, 2009 the US House of Representatives decided to reject a measure that would have allowed bankruptcy judges the ability to use their discretion in helping homeowners who are upside down in the homes. How did this affect you?]]></description>
</item>
<item>
<title>Can I Modify My Mortgage -  Should I Modify My Mortgage?</title>
<link>http://EzineArticles.com/1810194</link>
<guid>http://EzineArticles.com/1810194</guid>
<pubDate>Mon, 05 Jan 2009 11:22:19 -0600</pubDate>
<description><![CDATA[In the current economic downturn many homeowners have become at risk borrowers. Help has arrived for these folks in the form of loan modifications.  Along with this new boom in loan modifications have come the predators looking to overcharge and take advantage of people in need.  With that in mind I have laid out my recommendations for at risk borrowers in search of help.]]></description>
</item>
<item>
<title>Modify Your Mortgage But Don't Take Your Lenders 1st Offer</title>
<link>http://EzineArticles.com/1822176</link>
<guid>http://EzineArticles.com/1822176</guid>
<pubDate>Wed, 31 Dec 2008 11:19:54 -0600</pubDate>
<description><![CDATA[If you are behind on your mortgage your bank might call and try to discuss your situation with you. If after an analysis of your finances, they feel that you will be able to make your payments in the future they are going to offer you a short term payment plan disguised as a loan modification solution.]]></description>
</item>
<item>
<title>How to Get a Bad Credit Loan Modification</title>
<link>http://EzineArticles.com/1573792</link>
<guid>http://EzineArticles.com/1573792</guid>
<pubDate>Tue, 23 Dec 2008 07:53:34 -0600</pubDate>
<description><![CDATA[Even if you have late mortgage payments, collection accounts, liens, judgments, or any other derogatory credit you can qualify for a loan modification. Loan modifications are the perfect way for distressed borrowers to solve a delinquent mortgage problem.]]></description>
</item>
<item>
<title>Loan Modification Secrets From the Lender's Point of View</title>
<link>http://EzineArticles.com/1743724</link>
<guid>http://EzineArticles.com/1743724</guid>
<pubDate>Tue, 02 Dec 2008 08:55:45 -0600</pubDate>
<description><![CDATA[To understand what is going on with loan modifications behind the scenes it's important to know the players. You already know that the government regulates, and pumps money into the mortgage market. Government backed loans are backed and purchased through Government Sponsored Enterprises. ]]></description>
</item>
<item>
<title>How to Avoid Foreclosure - Or - Can't Refinance? Maybe It's Time to Modify Your Loan</title>
<link>http://EzineArticles.com/1475118</link>
<guid>http://EzineArticles.com/1475118</guid>
<pubDate>Mon, 08 Sep 2008 13:50:12 -0500</pubDate>
<description><![CDATA[In today's declining market, easy money is a thing of the past. Refinancing is available to only a select few.   Loan Modification is the wave of the next few years. Learn how to get in on this craze and lower your payments without having to refinance.  The author is an expert at loan modification and has obtained results for clients beyond their initial expectations.   This article will offer a solution to homeowners in distress, behind on their mortgages, and in fear of losing their homes.]]></description>
</item>
<item>
<title>Here Comes the Loan Modification Boom</title>
<link>http://EzineArticles.com/1475148</link>
<guid>http://EzineArticles.com/1475148</guid>
<pubDate>Mon, 08 Sep 2008 13:09:14 -0500</pubDate>
<description><![CDATA[The refinance boom is over and the real estate bubble has popped. More than 30 million Americans' are upside down in their homes with negative equity. Formerly hot markets in New York City, Arizona, Washington, D.C., California and Florida are now suffering without buyers or even prospects. Many previously booming markets are seeing double-digit declines in sales. In Florida the drop in home prices is staggering, and this has become ground zero for the real estate bust.]]></description>
</item>
<item>
<title>How To Become A First Time Buyer In The Current Real Estate Market</title>
<link>http://EzineArticles.com/951049</link>
<guid>http://EzineArticles.com/951049</guid>
<pubDate>Tue, 29 Jan 2008 15:34:07 -0600</pubDate>
<description><![CDATA[If you've been thinking about buying you first home and want to know more about it, here's your opportunity.   If you're considering buying your first home, you need to prepare yourself prior to jumping in.   Credit, assets and employment will play a key role in getting yourself into your first home.]]></description>
</item>
<item>
<title>4 Principals For Investing In Commercial Real Estate</title>
<link>http://EzineArticles.com/938186</link>
<guid>http://EzineArticles.com/938186</guid>
<pubDate>Tue, 22 Jan 2008 14:21:06 -0600</pubDate>
<description><![CDATA[Buying commercial real estate can be a satisfying, safe and profitable investment if you take the time to do the due diligence by getting advice from experienced experts and know your risks before closing.  If you're considering a commercial real estate investment this article is a must read...]]></description>
</item>
<item>
<title>Here's How To Buy A New York City Condominium</title>
<link>http://EzineArticles.com/936533</link>
<guid>http://EzineArticles.com/936533</guid>
<pubDate>Tue, 22 Jan 2008 09:58:25 -0600</pubDate>
<description><![CDATA[You've found the condo you've dreamed about, and now you're ready to move in and enjoy the sights and sounds of "The City That Never Sleeps". Hold everything...  This article will explain How To Buy A Condo in New York City without getting burned.]]></description>
</item>
<item>
<title>Mortgage Basics For The First Time Buyer</title>
<link>http://EzineArticles.com/918188</link>
<guid>http://EzineArticles.com/918188</guid>
<pubDate>Thu, 10 Jan 2008 14:05:15 -0600</pubDate>
<description><![CDATA[Mortgages are not free money and anyone who buys real estate or plans to buy real estate using a mortgage must understand the concept of mortgages very clearly. This article will help 1st time buyers understand some basics related to mortgages.]]></description>
</item>
<item>
<title>Knowing When To Refinance Is Half The Battle</title>
<link>http://EzineArticles.com/916005</link>
<guid>http://EzineArticles.com/916005</guid>
<pubDate>Thu, 10 Jan 2008 14:03:07 -0600</pubDate>
<description><![CDATA[Do you ever feel like you know just enough about mortgages to be dangerous?  This article will help you understand when refinancing could be a good option. Learn from a seasoned mortgage professional who knows; read on...  ]]></description>
</item>
<item>
<title>How To Get a Mortgage With Bad Credit</title>
<link>http://EzineArticles.com/913832</link>
<guid>http://EzineArticles.com/913832</guid>
<pubDate>Thu, 10 Jan 2008 09:44:12 -0600</pubDate>
<description><![CDATA[If you're looking for some inside information on how to get a mortgage with bad credit you've found it.  Many mortgage companies are reluctant to finance people with bad credit, but there are still a few lenders & programs available.  Here are a few up-to-date tips from a seasoned mortgage expert who knows.   ]]></description>
</item>
<item>
<title>Refinancing With The Biggest Liar</title>
<link>http://EzineArticles.com/912125</link>
<guid>http://EzineArticles.com/912125</guid>
<pubDate>Wed, 09 Jan 2008 12:17:45 -0600</pubDate>
<description><![CDATA[ If I've heard it once I've repeated it a million times: "if you shop for mortgage on the phone, odds are you'll end up doing business with the biggest liar"...  Don't let it happen to you.]]></description>
</item>
<item>
<title>How To Buy New York City Real Estate</title>
<link>http://EzineArticles.com/898743</link>
<guid>http://EzineArticles.com/898743</guid>
<pubDate>Fri, 28 Dec 2007 15:57:01 -0600</pubDate>
<description><![CDATA[How To Finance Real Estate in New York City. An investors how to guide. ]]></description>
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