Historical Homes of Charleston

Historical Charleston home floor plans features a symmetrical exterior that makes it adaptable to the climate of Charleston.  The homes have high airy ceiling and large, deep front porches.  Another feature that makes the older homes of Charleston adaptable to the climate it has large windows.  The older homes outer walls are usually made of brick and stucco.

The grandeur of the older Charleston homes have now take on a modern architectural view through the eyes of Bob Chatham.

Bob Chatham’s home plans were originally designed after the historical and coastal architecture of older Charleston homes.  Each custom floor plan has an
open design and mimicks the panoramic rear view of the older Charleston homes.

Bob Chatham’s Charleston style homes has both one or two story home plans.

If you are interested in historical homes of Charleston then visit http://www.onlinecharlestonrealestate.com/featured_charleston_homes_for_sale/historic-charleston-homes-for-sale.html

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Do You Want To Live in These Homes

Originally posted 2011-08-23 11:10:48. Republished by Blog Post Promoter

Homes in the 22th century will be a lot different from homes of today.  Some of the homes in the future will be shaped like eggs.   Still others, will be transparent.

Check out the homes of the future.

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Top 3 Ways to Reduce Your Homeowner’s Insurance

Originally posted 2009-01-26 09:24:21. Republished by Blog Post Promoter

The premium for home owner’s insurance is influenced by your credit and the replacement cost for the home.  Since your home owner’s insurance can be part of your mortgage payment it is important to know ways to decrease the premium to lower your  mortgage payment.   There are three ways to decrease you home owner’s insurance:

• Since it may take some time to improve your credit, a reduction in replacement cost is one way to decrease your home owner’s insurance.  Some insurance company can decrease your replacement cost to 80% of the replacement cost.  For instance, if the replacement cost is $100,000 it can be decreased to 80,000 as long as it is enough to pay off the mortgage and help you start over if the home is total loss.  Incidentally, this is not recommended for a long term solution to the increase in mortgage or insurance premium.
• Another way to decrease your premium is to increase your deductible.  Remember on homeowner’s insurance you do not pay the deductible before a claim is paid it is simply deduct from the claim.
• Still yet another way is to decrease your liability coverage.

There is an often overlook way to combat an increase in premium that is to find out what your home owner’s insurance when it is three months before your one year anniversary of the purchase of your home.  Your insurance agent should have your renewal premium amount.   If it is more than one hundred over your previous year premium shop for new insurance by calling other companies and get quotes or ask for the above changes to your present premium.

“Surprise, Surprise, Surprise” Loan Modification Working for a Triple Profit for One Bank

Originally posted 2009-05-11 05:00:54. Republished by Blog Post Promoter

Ocwen reported a triple net income for its first quarter after servicing some of its defaulted mortgages.  The company states that prior to servicing its trouble mortgages it had over 20.8 billion dollars in non-performing loans, and this figure is up from 40.2 million in non-performing loans at year’s end.

Not only did Ocwen do a record breaking 20,651 loan modifications, it also reduced expenses by 18 percent.

The report from Ocwen comes as a result of the company implementing President’s Obama’s Home Affordable Modification Plan.

In additon to implementing President Obama’s plan the company also started a servicing arrangement for its high risk loans with Freddie Mac.

As a direct result of these changes in Ocwen’s business, the company is now proud to report an increase of profit of 49 million in April alone.

The success of Ocwen goes to show us, “Yes We Can”

Was Your Foreclosure Legal?

Originally posted 2009-01-07 10:00:10. Republished by Blog Post Promoter

In the state of Illinois for a foreclosure to happen the lender must follow certain legal steps.

Thirty days prior to the enty of judgment of foreclosure, the owner and all person who have interest in the property will be given notice of the foreclosure.

Then, the lender must initiate a foreclosure complaint or counterclaim and at the same time the foreclosure complaint or counterclaim is entered a constructive notice is sent to all persons claiming interest or have a lien on the property.  The court gathers the information on who has interest or liens on the property from public record and title records. 

The constructive notice has to display the plaintiff’s or plaintiffs’ name, the case number, the court where the claim was filed, the names of the owners of record, the legal description of the property, the address of the property and a description of the mortgage that is being foreclosed on.   All the ladder information has to be correct.  If it is not challenge, the information by filing a response to the complaint.   The response must be filed at the court that the complaint or counterclaim was filed.  It also must be filed within 23 days of receiving the notice. 

If any of your rights are violated during the judiciary process of your foreclosure, you can file a complaint with the Judicial Inquiry Board.  This board is an independent agency that consist of four non-attorneys and three attorneys and two judges.  The primary job of this board is to investigate complaints about the judicial process and determine if futher investigate is necessary.  To find out more about the Judicial Inquiry Board, please visit http://www.state.il.us/jib/faq.htm

Once the judicial process is complete, the notice of sale is done.  The notice of sale must include the following information: 

• the name of the owner and all persons who have interest in the property
• the address and phone number of the owner and all persons who have interest in the property
• a description of the home and all improvements
• the time and place for the sale
• the case title and number and court where the foreclosure proceeding were held
• terms of the sale
• the times specific in the judgement

The sale must be post for three consecutive calender weeks (Sunday through Saturday)  at least one time during each of those three weeks with the first notice to be published not more than 45 days prior to the sale.  The last notice is to be published not less than 7 days prior to the sale. 

The notice of the sale can be listed in the newspaper in the legal section, but it must be listed in the county in which the property is located to be concerned proper notice.  It can also be advertised in the real estate section of the newspaper.  In addition, the court also instructs the lender which newspapers and other publications that the notice must be listed in to fulfill the public notice of the sale. 

In addition, the lender must also give notice to all parties to include the owner and even all parties who did not show up for court who may have interest in the property.  The notice must be given in the manner that the use for service of papers which may include a sheriff or courier notice.  This notifications by mail or courier shall take place in addition to the newspaper notice and shall be done at no more 45 days and not less than 7 days prior to the sale. 

No other notice is required unless the court orders or rules differently. 

The successful bidder shall receive a receipt of sale along with a description of the real estate purchased.  The receipt will show the bid amount, the amount paid, and if necessary the amount still remaining to be paid.   An additional receipt will be give if necessary when the remaining amount is paid. 

Upon full payment, the purchaser or bidder will receive a certificate of sale.  The certificate of sale is recordable.  The certificate of sale will have a description of the property sold, the date of the sale to include the location of the sale, and the amount paid.    The Certificate will further indicate that the sale is subject to court verification.    The recording of the certificate is also required by law under Section 12-121. 

Once recorded and verified, the certificate can be assigned by endorsement. 

Even in a foreclosure proceeding you have rights, please make sure yours was not denied.   The simply fact that the foreclosure was filed is not a violation.  If the payment have not been made as agreed, the foreclosure can be filed according the guidelines set forth in the note.  Most mortgages will default after three consecutive missed payments and then the full amount is accelerated to be now due.  However, if you get back on your feet before the foreclosure proceeding is filed which can take up to 6 months to 9 months after the last missed payment, you can contact the loss mitigation department for your mortgage company to get your payments back on track.  There are options, but you must call the lender’s loss mitigation department not the attorney to exercise your right to redemption if you are financial able to prior to the foreclosure proceeding.

Discovery in Economic Challenging Times

Originally posted 2008-11-29 22:13:42. Republished by Blog Post Promoter

It is interesting when you discover that even in challenging economic times that there are people who can and will find a way to overcome challenges.   I discovered that when you combine like minded people and your own self drive that may things thought impossible becomes possible.  On last night, I attended a Mastermind Meeting.  What is a Mastermind Meeting, you ask?  A mastermind is an alliance that is build from two or more minds the work together for a common goal.  The goal of our goal is to help and encourage each other in growing our business despite the economic downturn.

At the meeting, I learn several things to help do that.  One was developing a vision or mission for your chosen business.

Another was writing your goals down.

However, the most important thing that I learned was something that was restated more than once.  It was believe in yourself.  Believing in yourself is one of the most important ingredients in the formula of success according to the host.

Another key to success is speaking success not negativity into your life.  You’ll heard of the old adage “you are what you eat”, well guess what it is the same for we speak, “we are what we speak.”  So, speak, “Goodness and Goodness will come.”

Leading Ways to Save Money in Your Home

Originally posted 2011-09-10 05:00:23. Republished by Blog Post Promoter

With the cost of gas, food, and housing going up, it may be refreshing to find out where you can save money.   You may be surprised to find out it is your utility bill.    You may have been frustrated that turning off the light when no one is in the room has had little affect your utility bill.  The reason is the stand by mode that most electronic have today.

Even though these devices are in stand by, they are consuming electricity through their circuitry, power supplies, light emitted diodes (LEDs), etc.

The solution to this problem is to purchase energy star equipment when possible, and turn off the power strip to your computer and printer.

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Today’s Mortgage Rates

Originally posted 2011-08-23 11:14:11. Republished by Blog Post Promoter

Loan Type	Rate	APR
30 Year Fixed	4.12%	4.33%
15 Year Fixed	3.38%	3.64%
5 Year ARM	2.88%	3.14%

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Lawsuit.com – The Online Law Firm

Originally posted 2009-04-24 14:27:34. Republished by Blog Post Promoter

Have you heard of www.lawsuit.com?  If you haven’t, you should check it out.  www.lawsuit.com not only evaluates ongoing lawsuits, but it gives updated news on topics that affect consumer safety and puts public awareness at the forefront for consumer on issues like mesothelima. 

Mesothelima is a cancer that is caused by exposure to abestos.  It is a concern for anyone that has work in a factory that was built in the early 1800 to 1980.  For more details and list of common symptoms of mesothelima visit www.lawsuit.com.

The most unique and important feature that lawsuit.com provides is  a directory of attorneys.  The attorneys are required to provide videos for the consumer to review about the attorney’s specialty.   These videos are especially useful so that the consumer can get insight in to the symptoms that he or she is experiencing are related to medication or work related injury or exposure. 

Remember to use www.legaldocs.com/legaldir/ListingIndex.aspx to search for your next attorney.  If you are in need of inexpensive legal forms visit www.legaldocs.com.

What is a Loan Modification?

Originally posted 2009-04-19 12:25:51. Republished by Blog Post Promoter

Recently, I read an interest article that explain President Obama’s loan modification program.  The article gives in depth details of how the loan modification program is design to help homeowner who are both behind and homeowners who interest rate may have adjusted because of an adjustable rate increase.    

The article further goes on to explain potential problems with the HAMP program.  HAMP stands for Homeowner Affordiablity and Stabilization Program.  Read the article by clicking on the link above or http://mortgagemeltdown.typepad.com/my_weblog/2009/03/guidelines-for-obama-loan-modification-program.html

Read This:

I’d like to finish this post with a link to another post where I address whether a loan modification is possible.  It is titled A Loan Modification is WIthin Your Reach. 

In this post you will learn the common myths about a loan modification and how you can overcome them.

Another post that is a must read is about your Indy Mac mortgage.  It is titled Loan Modification is Made Simple.

In this post you will learn about Indy Mac’s loan modification and how to apply for it.

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