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mediagetgeneration mediagetgeneration * Blog * Blog RENEGOTIATE MORTGAGE PROGRAMS 1/23/2017 0 Comments Our complete guide on the various mortgage assistance programs offered by the government and non profit organizations. If you are having problems keeping up with your home loan payments, you absolutely need to know this. Prequalifying for a Home Mortgage The first step in the home search is home financing. Getting pre-qualified for a mortgage loan is necessary in today's market. Shopping for a Home Loan With so many lenders. After chapter 7 bankruptcy, I often advise my clients, just don’t pay the second mortgage. Now, if you don’t file bankruptcy and stop paying the second mortgage, two things would happen. They will call you day and night. New Century Mortgage contact information and links to refinance A New Century Loan. Qualify for the new FHA Secure Loan product or a conventional loan. The Texas Mortgage Calculator was created to help potential home buyers determine whether homeownership is the best financial option for their housing needs. The Calculator will help you determine what interest rates and. If Your Application is Rejected Keep in mind. Be aware of people promising quick and easy solutions. They may qualify you for. It is important to understand that the loan denial means that the. Most lenders — if not all — hope to get your business if and when. Find out the exact reasons. If your loan application is rejected, you will need to determine why, and then take steps to correct any. Understand why the loan was denied. We compiled the most compelling data we could find to show how the mortgage industry and the government's main effort, the Home Affordable Modification Program (HAMP), have failed homeowners. FAQs for mortgages including differences between a variable rate and fixed rate mortgage, mortgage amortization, and more from HSBC Canada. Receiving counter offers at full price is no reason to walk away. How to negotiate counter offers when the sellers counter at full price. Buying directly from a home owner is just as easy as buying a house with a real estate agent advising you. Here's how to buy a home for sale by owner. So you are divorced or are a single mom who had it all together until the downsizing in your department rendered you jobless. Such is the story of. Lenders are required to explain in writing their decision to deny credit. Go. back and talk to the loan officer to find out the specific reason why your request. You may be able to persuade your lender to reconsider your application. Additionally, you should not necessarily assume that a rejection by. Some possible reasons for a loan denial. Insufficient funds. You might try to get the seller to agree to finance a. Or, perhaps a family member would be willing to provide a gift of funds to be used in paying. Are. there down payment or closing cost assistance programs available to you? If all. else fails, start a serious savings plan so you will be in a better position. Insufficient income. If the lender's qualifying formula shows that you can't afford the house you. For example, is the rent you are already. Are you due for a raise, which. Would a letter from. Too much debt. Perhaps your existing debt is what's creating the roadblock, because it puts. Again, if you are very close. Otherwise, you may need to pay off. Or, simply, choose a less expensive house. Poor credit rating. If you are refused credit on the basis of a credit bureau report, you are entitled. You can then. challenge any errors and can also insist that the credit reporting agency include. If your credit history. If you have applied for a loan using a non- traditional credit. Low appraisal. Perhaps your loan application was rejected because the appraisal of the property. You may be able to use the low. If the low appraisal reflects some structural problems. Perhaps the lender will approve your loan request if the seller agrees. Seek outside help. Once you understand what caused your application denial, you can develop. Investigate any state and local. Is the house you want to buy in an urban renewal area? If so, there. may be a government program that can help you finance your purchase. Investigate alternative financing arrangements. As we discussed here, if you are a low- to moderate- income home buyer. These alternative. To recap, these mortgage programs include: Fannie Mae's and Freddie Mac's Community Lending Programs. Subsidized second mortgage. Lease- purchase mortgage loan. Community home improvement mortgage loan. Community land trust mortgage loan. Housing finance agency programs. Look into non- conforming, or subprime, loans. If your credit has caused your loan to be denied, you may want to consider a non- conforming. A subprime lender will charge you a higher interest rate and more. Does it make sense to. You can then apply for a. Many borrowers enter into subprime. If you plan to do this, pay particular attention to whether. Report suspected discrimination. The Equal Credit Opportunity Act and the Fair Housing Act prohibits discrimination. You have a right to your own credit, based on your own credit records. The lender must count all of your income, including reliable. If you suspect the lender has denied your credit application. U. S. Department of Housing and Urban Development (HUD), the agency in. Fair Housing Act. By the Numbers: A Revealing Look at the Mortgage Mod Meltdown. We compiled the most compelling data we could find to show how the mortgage industry and the government’s main effort, the Home Affordable Modification Program (HAMP), have failed homeowners. We've crunched a lot of numbers along the way, and now we're sharing what we found – including loads of previously unreported data. Using new Treasury Department figures, previously unreleased documents obtained through Freedom of Information Act requests, and new analyses of state and industry data, we have assembled the most detailed look yet at how the the mortgage industry and the government's main effort, the Home Affordable Modification Program (HAMP), have failed homeowners. It provides crucial context to the ongoing government investigation into mortgage servicing practices, which might lead to reforms of how banks and servicers handle homeowner requests for modifications. Here's what we learned: Only a fraction of struggling homeowners are getting help. Total Pool of Delinquencies. Total Mods Each Month(Source: LPS Applied Analytics and HOPE Now)The number of modifications each month has remained dramatically lower than the number of homeowners behind on their mortgages. Although Treasury Department officials and mortgage servicers claim the industry has gotten better at handling modifications, the average rate of modifications in the past two years is not significantly different than the rate before HAMP launched. The data for the total number of modifications provided by mortgage servicers comes from HOPE Now, an industry- headed coalition. Mortgage servicers are reaching only a small fraction of struggling homeowners. Percent of deliquent homeowners in contact with servicers(Source: State Foreclosure Prevention Working Group)Ideally, servicers would be in contact with troubled borrowers, discussing possible alternatives to foreclosure. But servicers aren't doing that with most homeowners at risk of foreclosure- and they haven't improved much. Servicers generally have multiple alternatives to foreclosure, including modifications, short sales and deeds in lieu, all of which are generally better outcomes for both homeowners and investors.“If you have names, addresses, and phone numbers for your customers, it seems like you ought to be able to do better than reaching one out of three,” said Mark Pearce, formerly North Carolina deputy commissioner of banks. The data for the above graphic comes from the State Foreclosure Prevention Working Group and covers 1. The data show what percentage of homeowners who are more than two months behind are in discussions with their servicer about a possible foreclosure alternative. The largest servicers, especially Bank of America, have left most struggling homeowners hanging without either modifying or foreclosing. Percent of seriously delinquent mortgages that have been.. Modified Unresolved Foreclosed (Sources: Moody's, Pro. Publica analysis)A homeowner's chance of getting a modification depends a lot on which company services the loan. In an analysis by Moody's, Bank of America fared worst of all, providing less than half as many modifications as Ocwen, which specializes in servicing troubled loans. The above chart is based on an analysis we did of Moody's data on 3. All had been packaged into mortgage- backed securities. Moody's also reported that getting a modification takes several months at all of the servicers, though some were worse than others. The worst was JPMorgan Chase, where the average modification occurred 1. At Ocwen, the fastest, it was seven months. As you can see, the vast majority of subprime delinquencies at Bank of America, the nation's largest servicer, haven't been resolved either way. About 4. 1 percent of Bank of America's loans in this analysis hadn't even begun the foreclosure process, despite an average delinquency of 1. Another 2. 7 percent of homeowners were in foreclosure but hadn't yet lost their homes- the average delinquency there is two years. HAMP hasn't led to an increase in modifications. Non- HAMP Mods. HAMP Mods. Average. HAMP Delays Mods(Source: HOPE Now)Though HAMP was designed to make it easier for homeowners to get modifications, most of the people who applied when the program was launched in April of 2. The result was a steep decrease in overall modifications. As that backlog was addressed, modifications temporarily increased but then returned to their pre- HAMP levels. Just before HAMP launched, there were about 1. Since the program launched, there have been on average 1. HAMP mods. Just over one in five homeowners who applied for a HAMP mod have received a permanent modification. Number of Homeowners(Source: Treasury Department, Pro. Publica analysis)About 1. HAMP mod were denied without being placed in a trial, a three- month period that is supposed to give homeowners a chance to show they can afford the new payments. Meanwhile, getting placed in a trial is just the beginning of a disappointing process for many homeowners: More than half of trials were canceled, most of the time despite the fact that the homeowner had made all of the payments. Trials have also frequently lasted far longer than the three months they are supposed to last. About six percent of those who'd applied were in a trial as of December. The data, which covers through December, actually undercount the number of homeowners who have sought help, because it only includes loans where the servicer says it has responded to a homeowner's HAMP application - about 2. There are no records for the many people who have applied but, often after months, not heard back from their servicer. Mortgage servicers, notorious for losing documents, cited missing documents in a quarter of rejections. Percent of Rejections(Source: Treasury Department, Pro. Publica analysis)In total, two million homeowners have been rejected from HAMP as of December: 1. The most common reason servicers cite for denying a modification has been that the required documents are missing or incomplete. Almost a quarter of rejections were for this reason. This occurred against the backdrop of widespread reports of servicers' inability to reliably keep track of documents. That means that many of those 4. Over 5. 00 homeowners have told Pro. Publica via a questionnaire that the servicer lost their documents. At least 3. 00 times, homeowners were told they hadn't supplied required documents that the servicer had never actually asked them for. Note: HAMP defines an ? You may have lost your home to foreclosure, sold your home through a short sale, or you might simply be waiting for further action from your servicer, including a possible offer of the servicer's in- house modification. In a trial mod: You're in the program's trial period, making payments to show you can afford your home with a HAMP mod. The trial is supposed to last three months but usually lasts longer. From here, you'll either end up with a HAMP mod or your trial will be canceled. If that happens, your servicer may still offer you a non- HAMP mod. Trial canceled: You were denied a HAMP mod, either because your servicer decided you didn't meet the program's requirements or, less likely, because you didn't make the trial payments. You may have lost your home to foreclosure, sold your home through a short sale, or you might simply be waiting for further action from your servicer, including a possible offer of the servicer's in- house modification. Advocates say it's worse for a homeowner to be rejected after making months of trial payments than to be rejected up front. Non- HAMP mod: Your servicer rejected you for a HAMP modification but has offered you an in- house modification. These mods generally are less affordable than HAMP mods. HAMP mod: Your servicer offered you a HAMP mod. Left in limbo: You might not fit into any of these categories, since servicers have struggled to process homeowner applications: Many homeowners, for example, go several months without getting any kind of response. As we've noted earlier, this data, provided by the Treasury, only includes loans where the servicer says it has responded to a homeowner's HAMP application. There are no records of how many people fall into that category. Treasury claims servicers are improving, but its own data show otherwise. Complaints as percent of calls to HOPE Hotline(Source: HOPE Hotline)Treasury officials- most recently, HAMP chief Phyllis Caldwell in congressional testimony in December- have cited the complaint data from a Treasury- sponsored hotline for homeowners to support their claim that servicers are getting better. Treasury officials generally point to decreases in certain narrow categories of complaints. But that obscures the general upward trend of complaints and sharp increases in the most common complaints, which are related to servicers wrongfully denying homeowners modifications. Over the past year, Treasury Department data, obtained through a Freedom of Information Act request, indicate that homeowner complaints about mortgage servicers are increasing. Complaints are calculated as a percentage of total calls (excluding irrelevant calls like hang- ups and wrong numbers). The Treasury Department's log of complaints is also almost certainly an undercount. Known as the HOPE Hotline, it has not been advertised to homeowners as a place to lodge complaints about their mortgage servicer. In fact, many homeowners don't know where to go to complain. When people do call, hotline operators do not solicit complaints but only record them if they are volunteered by the homeowner. Additionally, when a homeowner calls with multiple complaints (i. Logged complaints must fit into specific categories, and Treasury only added certain important ones in March of 2. A Treasury spokeswoman said that the increase in complaints was likely because there had been an increase in the number of homeowners denied modifications in 2. 0 Comments NATIONALLY ACCREDITED SPORTS MANAGEMENT PROGRAMS 1/23/2017 0 Comments Top 10 Accredited Online Colleges – Online Focused It is important to understand what Regionally accredited and Nationally. Management Degree Programs. Top 2. 0 Nationally Accredited Online Colleges. 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This program is fully transferable to a Bachelor's Degree in Nursing at SPC or to any state university in Florida. The day program begins in May. The evening program begins August and January. If admitted in May, you will have needed to complete additional general education courses prior to admission in order to graduate within the three semesters. Access to a computer is helpful! School Name School Type and Setting LPN Programs Offered Undergraduate Tuition and Fees (2015-2016) Cumberland County College 2-year, public; rural fringe Certificate in Practical Nursing $4,290 in-district residents; $4,590 in-state residents; $14,460 out-of. Compare all of the different LPN to RN Programs in New Jersey and online. Thousands of nursing programs in our directory. Union County College Plainfield, NJ Degree Types: LPN to RN Programs: LPN to RN Program Accreditation: ACEN Practical LPN to. Founded in 1933, Union County College (UCC) boasts to be the oldest serving community college in New Jersey. Licensed Practical Nurse (LPN) to RN track Accelerated RN track The second cooperative program is offered with Trinitas Regional Through this. The Academic Pathway is a tool for students that lists the following items: o the recommended order in which to take the program courseso suggested course when more than one option existso which semester each course is typically offeredo if the course has a prerequisiteo courses that may lead to a certificate (if offered in the program) If you are starting the program this term, click here to access the recommended Academic Pathway. If you have already started the program, click here for the archived Academic Pathways. Please verify the Academic Pathway lists your correct starting semester. Admission Rules. Before entering the first term of the Nursing . Prior to admission, students must complete: BSC 2. BSC 2. 08. 5LBSC 2. BSC 2. 08. 6LPSY 1. PSY 1. 02. 0H)Humanities/Fine Arts Requirement. Computer and Information Literacy Competency Requirement. General education and support courses do not have to be completed in the order listed. Candidates will also complete the Health Programs Application form. Please see a counselor or advisor. Access to a computer is helpful! Graduation Rules. Minimum grade of . Likewise, the clinical component of any nursing rotation must be satisfactorily passed. An overall 2. 0 average is required to enroll in sophomore nursing courses. Credit must be earned in or prior to the prescribed sequence. AS GENERAL EDUCATION REQUIREMENTSCommunications - Composition IComplete 3 credits from the approved General Education Composition I coursework. This requirement must be completed within the first 2. AS degree. 3. View Courses. AS GENERAL EDUCATION REQUIREMENTSCommunications - Speech. Complete 3 credits from the approved General Education Speech coursework . In some cases, this course may also be used to satisfy another General Education Requirement. Students are strongly advised to select the Healthcare Ethics topic when they register for PHI 1. SUPPORT COURSESSocial/Behavioral Science (Select 3 credits)Completion of this requirement satisfies the General Education Social/Behavioral Science requirement for this AS degree. SUPPORT COURSESOther (Complete 1. BSC 2. 08. 6LHuman Anatomy & Physiology Laboratory II1. SUPPORT COURSESComputer and Information Literacy Competency (Complete 1 course)Competency may be demonstrated by completing the Computer Information and Literacy Exam (CGS 1. T) OR by successful completion of one of the approved Computer/Information Literacy Competency courses. No minimum credits required. Completion of this requirement satisfies the General Education Computer Competency. AS degree. CGS 1. Basic Computer and Information Literacy. EME 2. 04. 0Introduction to Educational Technology. MAJOR CORE COURSES1st Term in Program (Complete 2. NUR 1. 06. 0CNursing Process/Physical Assessment. Advanced Placement Credit. MAJOR CORE COURSES2nd Term in Program (Complete 1. MAJOR CORE COURSES3rd Term in Program (Complete 1. 0 Comments EMORY MEDICAL SCHOOL SUMMER PROGRAMS 1/22/2017 0 Comments The University of Michigan offers a wide variety of summer programs for high school students. There are also a number of outreach projects and service programs which may be accessed online. Please send an email to michigan. See if Emory University is ranked and get info on programs, admission. The medical curriculum at Emory University School of Medicine is. At National Youth Leadership Forum. This summer medical program is for you if you are a high school student interested in exploring all of the various career options. Our faculty members are drawn from 1. Emory University to provide training in Biochemistry, Cell Biology, Development, Molecular Biology, Structural Biology, Cancer Biology, and allied areas of research. The program uses formalized training in scientific research, presentation, writing, hypothesis design, and teaching to enable students to integrate diverse biological disciplines. Emory College of Arts and Sciences Office of International and Summer Programs. Summer School at Emory. Summer study abroad programs led by Emory faculty members allow students to earn credit towards. Here are some brief overviews of each of the programs here at. Our students graduate as well- rounded biomedical research scientists who are highly competitive in a number of different career paths. Whether your goal is pure basic science or translational research we offer research opportunities that will enable you to impact human health and our understanding of our world. Summer Programs Web Database - Search. 0 Comments <<Previous AUTHOR Write something about yourself. No need to be fancy, just an overview. ARCHIVES January 2017 December 2016 CATEGORIES All RSS Feed Powered by Create your own unique website with customizable templates. Get Started