|
9
|
What is the
biggest misconception about foreclosure?
|
10
|
|
Chapter 1
|
|
10
|
Why do I need
to understand the foreclosure process?
|
11
|
|
11
|
How can Legal
Aid Services help me?
|
11
|
|
12
|
What are the
different types of liens?
|
12
|
|
13
|
Can a HOA
foreclose on my condo or townhouse?
|
12
|
|
14
|
Can an IRS tax
lien be removed without my paying it off?
|
13
|
|
15
|
Do mechanic’s
liens ever expire?
|
13
|
|
16
|
Do municipal
code violations matter at all?
|
14
|
|
17
|
What is the
most common type of property lien?
|
14
|
|
18
|
What is a 2/28
ARM and does it matter to me?
|
15
|
|
19
|
What is a
junior lien?
|
16
|
|
20
|
What is a HELO
and where can I get one?
|
16
|
|
21
|
What are and
how do hard money loans work?
|
17
|
|
22
|
Does it matter
if I have an insured loan?
|
17
|
|
23
|
What is a HEMC
and do I qualify for one?
|
17
|
|
24
|
What starts a
foreclosure?
|
18
|
|
25
|
Doesn’t the
owner of the home have to be the borrower?
|
19
|
|
26
|
I reinstated
but I can’t afford the payments, what do I do?
|
20
|
|
27
|
What is
improper service?
|
20
|
|
28
|
Do I live in a
mortgage or deed of trust state?
|
21
|
|
29
|
What is the
problem with redemption states?
|
23
|
|
30
|
What is the
process for non-judicial foreclosure?
|
24
|
|
31
|
What is a
default judgment and how is it issued?
|
26
|
|
32
|
What are 7
possible reasons for continuance?
|
27
|
|
33
|
What are 3
reasons that will not get a continuance?
|
28
|
|
34
|
How long can
some stall a foreclosure?
|
29
|
|
35
|
What is
realistic time for me to stay in my home?
|
29
|
|
36
|
When do I have
to petition the court for a hearing?
|
31
|
|
37
|
What is the time difference in non-judicial and
judicial foreclosures?
|
32
|
|
38
|
What is a
Notice of Sale and should I care?
|
33
|
|
39
|
Who should file
a stay and when?
|
34
|
|
40
|
What should I
expect if I am evicted?
|
35
|
|
Chapter 2
|
|
41
|
Why would an
investor give me a lease option?
|
37
|
|
42
|
How do I know
if I can keep my home financially?
|
39
|
|
43
|
What is a loan
modification and how does it work?
|
40
|
|
44
|
What are teaser
rates and why are they important?
|
41
|
|
45
|
What percentage
of people can qualify for bankruptcy now?
|
42
|
|
46
|
What happens if
I tell the IRS a fib?
|
42
|
|
Chapter 3
|
|
47
|
Why does my
equity matter if I am staying in my home?
|
44
|
|
48
|
What are the
two basic types of foreclosures?
|
45
|
|
49
|
What do I do to
save minimal equity?
|
47
|
|
50
|
What do I do to
save some equity?
|
48
|
|
51
|
What do I do to
save a lot of equity?
|
48
|
|
52
|
What do I have
to make sure I do when I talk to a lender’s rep?
|
49
|
|
Chapter 4
|
|
53
|
Is transferring
a mortgage “subject to” illegal?
|
50
|
|
54
|
Can title be
transferred without my knowledge?
|
51
|
|
55
|
Do I have a
mortgage or a deed of trust?
|
51
|
|
56
|
What are the
features of a mortgage and a deed of trust?
|
52
|
|
57
|
Can a
prepayment penalty last more than three years?
|
52
|
|
58
|
What will
happen to 1 of every 3 homeowners with ARM’s?
|
53
|
|
59
|
What is a soft
pre-pay?
|
54
|
|
60
|
What is a hard
pre-pay?
|
54
|
|
61
|
Whose name
should the property’s title be in?
|
54
|
|
62
|
What if the
guarantor of the mortgage dies?
|
55
|
|
63
|
What is the
“Due on Sale” Jail?
|
55
|
|
64
|
What is fee
simple title?
|
56
|
|
Chapter 5
|
|
65
|
What happens to
most bankruptcy filings to stop foreclosure?
|
57
|
|
66
|
What is deed
stripping?
|
58
|
|
67
|
Why would a doc
prep fee be $5,000 or more?
|
59
|
|
68
|
What can I sign
without my attorney seeing it?
|
59
|
|
69
|
What is
contract wrangling?
|
59
|
|
70
|
Why is an
inspection period important?
|
61
|
|
71
|
How much
deposit should I take?
|
61
|
|
72
|
Should the
contract be assignable?
|
61
|
|
73
|
What can I put
to make the closing date firm?
|
62
|
|
74
|
Can I get part
or all of an equity rebate?
|
62
|
|
75
|
What 17 things
should I never do?
|
63
|
|
76
|
What is the
quickest way to resolve my foreclosure?
|
64
|
|
77
|
How do I make a
partial payment?
|
65
|
|
78
|
What is the
cash reserve for a loan in foreclosure?
|
67
|
|
79
|
What is a short
sale?
|
67
|
|
80
|
What do I do if
they say “no”?
|
68
|
|
81
|
What are issues
of material fact?
|
68
|
|
82
|
How do I do a
workout at a time like this?
|
69
|
|
83
|
Does my
hardship matter to anyone but me?
|
70
|
|
84
|
When does my
clock not start over again?
|
71
|
|
85
|
Is it worth
paying 15% to get out of my problem?
|
71
|
|
86
|
How long to
process a new loan for me?
|
72
|
|
87
|
Should I use a
reverse mortgage to stop a foreclosure?
|
73
|
|
88
|
Shouldn’t I go
loan shopping online to get the best deal?
|
73
|
|
89
|
How much should
I do to improve the looks of my home?
|
74
|
|
90
|
How can Ebay®
help me?
|
75
|
|
91
|
Who can I sell
my home to for up to 30% over market?
|
76
|
|
92
|
What lenders
are easiest to deal with?
|
77
|
|
93
|
What is SCRA
and who qualifies?
|
77
|
|
94
|
What is a way
to increase my credit score in one day?
|
78
|
|
95
|
What are CDC’s
and can they help me?
|
80
|
|
96
|
Can investors
help me and when?
|
81
|
|
97
|
How much
consideration should I take?
|
81
|
|
98
|
What is a
“subject to” and how does it work?
|
82
|
|
99
|
What is the
wholesale/retail strategy?
|
83
|
|
100
|
What is a fair
equity split?
|
84
|
|
101
|
How can I buy
my home back below loan value?
|
85
|
|
102
|
What is a
buyer’s agent and how can he help me?
|
87
|
|
103
|
Does Chapter 13
really stop a foreclosure?
|
87
|
|
104
|
What is an REO
and how does it affect me?
|
89
|
|
105
|
How do I get a
release of lien?
|
90
|
|
106
|
How powerful is
it to use the “B” word?
|
90
|
|
107
|
How can I make
money on mortgages against my home?
|
91
|
|
108
|
What happens
when you withdraw a bankruptcy?
|
92
|
|
109
|
What are the
chances of my going back into foreclosure?
|
92
|
|
110
|
Why shouldn’t I sign a deed before the closing
to get it done quicker?
|
93
|
|
111
|
How do I know I can keep an escrow deposit?
|
93
|
|
112
|
What is a “kick-out” clause and why use it?
|
94
|
|
113
|
Can I hold escrow myself?
|
94
|
|
114
|
What is a predatory loan?
|
95
|
|
115
|
What should I say to buyers?
|
96
|
|
116
|
Can they foreclose if the home is in probate?
|
96
|
|
117
|
Can a realtor® lie about having a buyer?
|
98
|
|
118
|
What’s different for an investor in foreclosure?
|
98
|
|
119
|
What’s the best way to get a person with bad
credit a mortgage?
|
99
|
|
Chapter 6
|
|
120
|
Where do I start and what do I do?
|
103
|
