Obama President

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There’s been a lot of chatter about Obama’s administrations Making Home Affordable Program. This program announced in March of 2009 has two components to it: 1) the Home Affordable Refinance Program or HARP for short and 2) the Home Affordable Modification Program also known as the HAMP program.

The primary objective of the Making Home Affordable Program is to help stabilize housing prices. By helping you to stay in your home that puts one less foreclosure on the marketplace that ends up selling at a lower than market price – which in turn helps to stabilize the value of everyone else’s home around you. The government believes that by helping to stabilize the housing market and help to keep people in their homes it will help to stabilize the broader economy.

The HARP program (Home Affordable Refinance Program) is designed for mortgages owned by Freddie Mac and Fannie Mae in which the homeowner can afford their monthly payments but is unable to refinance because they currently owe more than their home is worth. Under this program Fannie Mae and Freddie Mac will allow them to refinance up to 105% of the value of their home at today’s market interest rate. In order to qualify for this program you must have a satisfactory credit rating.

Regarding the HAMP program (Home Affordability Modification Program) – this program is designed to help people who are in foreclosure or going to be in foreclosure to keep their homes. This program is designed to assist people who have suffered some sort of financial hardship due to a reduction in income such as the loss of a job for your spouse or experienced an increase in the mortgage payment as in the case of an adjustable rate mortgage that adjusted up. The household must still have income however credit is not a factor.

Under the guidelines of the HAMP program your interest rate can be lowered to as low as 2% for up to 5 years, the bank may also extend the repayment term up to 40 years, and a portion of the principle balance of your loan may be placed on forbearance – A big word meaning its still hanging out there but you don’t have to pay interest on it for a certain period of time. If you sell your home – you’ll still have to pay that money back. All of these factors are designed to get your mortgage payment down to 32% of your gross household income.

For participating lenders in the HAMP program the Federal Government has sweetened the pot by giving them an incentive to modify an applicant’s loan. For each of the first 5 years of the modification the Feds will pay your lender a certain amount per month for accepting the modification. In addition, as a homeowner, if you make your new modified payment on time you may be eligible for $1,000 in principle reduction for every year you make your payments on time – up to 5 years.

It is up to your particular lender to determine how they want to modify your loan – they don’t always have your best interests at heart so be careful. If you feel the new terms they are offering you are going to put you in a worse situation down the road you do have options. You should consult your attorney or a reputable company that regularly deals in loan modification such as SureFast Loan Modification.com. These competent professionals can help to make sure you get the best deal possible and don’t get taken advantage of by your bank.

Copywrite 2009 Justin Richards – This article may be distributed freely as long as the authors signature box is included with the reprint.

In 1998 Mr. Richards graduated from University with a bachelor’s degree in Business Management and Finance. He founded a successful company that helped hundreds of homeowners to get on the path to financial freedom. He also over 7 years experience in the home mortgage industry. He loves helping people! Especially when it comes to helping them keep their homes and pay off their debts.

Mr. Richards is happily married with four beautiful children. He is currently serving as a consultant for SureFast Loan Modification.com

Please visit our blog at All About Loan Modifications

Will John finally be able to look to their president in the eye and congratulate the winner Obama wins the election?

Seeing that I was too cowardly to do so during debates, McCain will be the dishounrable be able to look Obama in the eye and say: "Well done Obama, President, Mr. President to win the election."

Maybe! . . What choice is Obama going to win? – President of the PTA? What we do know .. IS … At the time U.S. Junior Senator Obama allows the Bush tax cuts to expire … SÄMTLICHE return to what they were before the cuts – Everyones! How U.S. JUNIOR Senator plan on paying all his campaign promises to finance its Global Poverty Act (S.2433)? TAXES, TAXES, MORE TAXES! In the primaries, Democratic Current VP Nominee – - SENIOR U.S. Senator Biden. . . JUNIOR U.S. says Senator Obama is – NO WHERE NEAR READY to lead America! I have seen and heard enough of what JUNIOR U.S. Senator Obama wants to do to America! . . . Enough to know that their ideas and policies for America are not good for America! MORE! Than half of Americans U.S. Junior All True know that Senator Obama, with 143 DAY of actual work experience as a young U.S. senator, and no experience of executive management, .. It is no where near Ready to be our President of the United States of America! And you know that JUNIOR U.S. change Senator Obama is actually an acronym: C – Come H – Help A – N – Narcissist G – Get E – Elected on Main, bad idea of Obama, I believe all True Americans should research and READ is .. Obama's Global Poverty Act (S.2433), which comes the sovereignty of the United States to the United Nations! I .. HAVE .. and .. SE .. Vote for the best person for the job! JUNIOR USA Senator Obama is not the best person to be the president of the United States of America!. Why do you want someone who has no experience mangerial ANY attempt to become the president of the United States of America??? Can you get over the fact that U.S. Junior Senator Obama is going to surrender the sovereignty of the United States to the United Nations?? ALL … True Americans need to read the Global Poverty Act (S.2433)!. Governors MANAGE all States! JUNIOR U.S. Senators legislating! JUNIOR USA Senator Obama did not complete his first term in office … With only 143 days of actual experience … Decided … he deserved to be president of the United States America!. JUNIOR USA Senator Obama, unions, and Democrats are sending messages to big business to downsize in America and send more jobs to foreign countries. U.S. Junior Bright Ideas Senator Obama, the Democrats and the Unions (sarcasm)!. Youngest U.S. Senator Followers Obama does not care about his ideals and policies … They just want an African American as President! I have no problem to vote for a black or a woman or any other minorty the as they are the best person for the job! JUNIOR USA Senator Obama is not the best person to be our President of the United States of America!. JUNIOR USA Senator Obama is anti-American. We have to start doing the "report abuse" button on the support Obama for abuse every little … POSSIBLE … Rape, as do with the rest of the people here !!!!. KS1982