Stopping Foreclosure With A Loan Modification Attorney

Stopping foreclosure may be easier than you think if you hire an Attorney rather than go it alone or pay a stop foreclosure or Loan Modification Company. These companies can offer you no more than the lender has already, a forbearance agreement you can't afford. A stop foreclosure or loss mitigation company does not have the tools necessary to negotiate with your lender and facilitate a favorable solution. If a stop foreclosure Attorney uses TILA or RESPA violations to force the mortgage company to modify the terms of your existing mortgage and save your home from foreclosure you will get a much better result. If an Attorney audits your loan documents and finds TILA violations they can threaten a law suit and the lender may be forced to rescind the loan. This means you would be entitled to ALL your money back that you paid to originate the loan and ALL interest paid through the loan. This is not what the lender wants as it places you in the driver's seat leaving them no choice but to modify your loan and forgive a portion of the loan balance of face a federal law suit. TILA violations are taken seriously and the lender can be forced to unwind the loan!

A Law Office that specializes in stopping foreclosure with a loan modification is much different than an Attorney based or Attorney assisted Loan Modification Company. If you use loss mitigation company to stop foreclosure you will get nothing more than the bank has offered you already and you may lose your home before you know it. If a loan modification company tells you they can freeze your loan and to pay them and not your lender you should call an Attorney. There are several loan modification and stop foreclosure scams out there as ex loan officers are doing what ever they can to convince home owners they can modify their loan and stop foreclosure. If you are struggling with your mortgage payments and facing foreclosure get legal help and hire an Attorney that specializes in negotiating with lenders and loan servicers. A loan modification can save your home and get you payments you can afford long term by getting the lender to lower the interest rate, principal balance, or both. Most loan modifications directly from your lender are short term solutions to get the loan to perform so they can sell it and turn a profit. A Lawyer can negotiate a new 30 year fixed loan at a reduced interest rate with your lender and offer you a long term solution to save your home from foreclosure.

We have helped stop foreclosure simply by calling the lender and asking for an extension to negotiate a loan modification to stop the foreclosure process. If the lender sees you are represented by an Attorney they take you seriously. If you are in a bad mortgage or faced with a hardship, seek a qualified Attorney who can get you out of trouble. If you do not want the home any longer a loan modification may change your mind if an Attorney can get the lender to significantly reduce payments or principal balance making the mortgage payments affordable. If you have tried to sell your home but owe more than it's worth a short sale or deed in lieu may be the answer. An Attorney can make sure the lender does not come after you for a deficiency judgment down the road. In addition, all documents you receive from your lender advise you to consult an Attorney before signing.

Mobile Finance, Inc Offers Mobile Home Financing and Refinancing In Pennsylvania

Mobile Finance, Inc, a specialty financial services company focused on offering mobile home loan programs, is offering a mobile home refinancing program that includes debt consolidation for mobile home owners in Pennsylvania.

"We are excited about our mobile home refinancing program that offers debt consolidation for people who own a mobile home that is located in a park or other rented land." Stated Troy James, president and chief executive officer of Mobile Finance, Inc. "Our goal is to offer innovative mobile home loan programs to customers who would like to purchase or refinance a mobile home"

Several national mobile home lenders have mobile home financing programs available that offer mobile home loan products to qualified applicants to purchase a new or used mobile home, or, to refinance an existing mobile home loan. Mobile home loans that are offered for homes that are on rented land such as a park are called "chattel mortgages" and mobile homes that are situated on their own land and the lender is financing both the mobile home and the land together is a real estate mortgage. Interest rates are typically higher and loan terms shorter for chattel mortgages since the lender is not securing the real estate with the mobile home.

Typical Debt Consolidation Refinance Guidelines: *700 and above credit score *Consolidation of credit cards *1994 and newer mobile homes *Single wide and double wide homes *Home must be in a park or other rented land.

Mobile Finance, Inc is a financial services company that offers mobile home loan programs such as mobile home refinancing and mobile home financing for homes located on rented land such as parks. Mobile Finance, Inc offers mobile home loan programs from several national lenders.

Altria Earnings Climb on Higher Marlboro Prices

Altria Group Inc., the largest U.S. cigarette maker, said fourth-quarter profit rose on higher prices for cigarettes including the top-selling Marlboro brand. Earnings per share from continuing operations increased to 37 cents from 35 cents a year earlier, the Richmond, Virginia-based maker of Parliament and Virginia Slims cigarettes said today in a statement. That matched the average estimate of 11 analysts surveyed by Bloomberg. Altria raised cigarette prices twice since May to counter falling demand by smokers. As shipments dropped 3.2 percent in 2008, Chief Executive Officer Michael Szymanczyk engineered last month's $10.4 billion acquisition of UST Inc. to add top-selling U.S. snuff brands Copenhagen and Skoal. "They've got good control of pricing," Thomas Russo, who oversees $3 billion in assets at Gardner Russo & Gardner, said yesterday in a telephone interview. The Lancaster, Pennsylvania-based firm owned 7.4 million Altria shares through September. With snuff, the company is "more hedged across the tobacco category." Sales rose 2.8 percent to $4.65 billion in the quarter. Altria said it expects to earn $1.70 to $1.75 a share in 2009, compared with $1.65 last year. Twelve analysts in the Bloomberg survey projected, on average, $1.73. The forecast is "prudent and appropriately cautious," reflecting falling consumer confidence and the possibility of higher U.S. and state tobacco excise taxes, Szymanczyk told analysts today on a conference call. Domestic Reliance Altria, which makes one of every two cigarettes sold in the U.S., now depends on the domestic market after last March's spinoff of its international division sent two- thirds of profit overseas. Marlboro increased its share of smokers to 41.6 percent in the quarter, rising 0.4 percentage point. Total market share slipped 0.3 point to 50.4 percent on declines by Parliament, Virginia Slims and Basic. Marlboro shipments dropped to 34.1 billion cigarettes from 34.3 billion. Operating profit for Philip Morris USA, Altria's cigarette unit, advanced 3.5 percent to $1.12 billion, helped by higher prices and lower selling, general and administrative expenses. Altria increased cigar shipments 3.4 percent to 311 million in the quarter. Its Middleton division, which makes Black & Mild cigars, generated profit of $36 million, up from $7 million in 2007. Altria acquired Middleton in December 2007. Altria plans to report UST's 2008 results tomorrow. Year-earlier results exclude the overseas unit, which was spun off in March. That unit, New York-based Philip Morris International Inc., is to report fourth-quarter results Feb. 4. Five-Cent Rise Altria raised Marlboro and other cigarette prices by 5 cents a pack on Dec. 15, after increasing them in May. Altria rose 4 cents to $16.84 at 4:06 p.m. in New York Stock Exchange composite trading. The shares have advanced 12 percent this year, after sinking 35 percent in 2008, their sharpest decline in nine years. The company said it was suspending its $4 billion share buyback plan through 2010 because of economic conditions. About $1.2 billion of repurchases were completed in 2008. "It is in the best interest of shareholders to preserve financial flexibility while it completes the financing of the UST transaction," Altria said in the statement. The company plans to sell debt this year to refinance the $4.3 billion bridge loan it took out to buy UST.