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	<title>Home Loan Applications Online &#187; interest</title>
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		<title>How to make a Fixed Rate Loan/Mortgage Calculator in Excel</title>
		<link>http://www.homeloanapplicationsonline.com/home-loan/how-to-make-a-fixed-rate-loanmortgage-calculator-in-excel</link>
		<comments>http://www.homeloanapplicationsonline.com/home-loan/how-to-make-a-fixed-rate-loanmortgage-calculator-in-excel#comments</comments>
		<pubDate>Mon, 19 Apr 2010 03:26:55 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[home loan]]></category>
		<category><![CDATA[calculator]]></category>
		<category><![CDATA[excel]]></category>
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		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/home-loan/how-to-make-a-fixed-rate-loanmortgage-calculator-in-excel</guid>
		<description><![CDATA[http://www.TeachExcel.com This video tutorial will show you how to make a fixed rate loan or mortgage calculator in excel. It is actually quite easy to do and after watching this step-by-step example and walk-through, you will be able to make your own also. This tutorial uses the PMT() function to calculate the required payments and [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/20ycC_GY56Y/2.jpg" align="left">http://www.TeachExcel.com<br />
This video tutorial will show you how to make a fixed rate loan or mortgage calculator in excel.  It is actually quite easy to do and after watching this step-by-step example and walk-through, you will be able to make your own also.  This tutorial uses the PMT() function to calculate the required payments and it is also explained in the tutorial.</p>
<p>To follow along with the spreadsheet seen in the tutorial or to get some free excel macros or tips &amp; tricks, go to the website:</p>
<p>http://www.TeachExcel.com</p>
<p>Duration : <b>0:7:24</b></p>
<p><span id="more-1797"></span><br />[youtube 20ycC_GY56Y]</p>
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		<title>Taxes on Short Sale, Loan Modification &amp; Mortgage Foreclosure 6 Nov08  Recourse vs Non-Recourse</title>
		<link>http://www.homeloanapplicationsonline.com/home-loan/taxes-on-short-sale-loan-modification-mortgage-foreclosure-6-nov08-recourse-vs-non-recourse</link>
		<comments>http://www.homeloanapplicationsonline.com/home-loan/taxes-on-short-sale-loan-modification-mortgage-foreclosure-6-nov08-recourse-vs-non-recourse#comments</comments>
		<pubDate>Mon, 12 Apr 2010 23:37:57 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
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		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/home-loan/taxes-on-short-sale-loan-modification-mortgage-foreclosure-6-nov08-recourse-vs-non-recourse</guid>
		<description><![CDATA[Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification &#38; Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy &#38; Insolvency. Go To http://RealEstateMarketingThisWeek.com Part 6 (Excerpts) Arizona is not a recourse state, so chances are you will not owe 1099 C Income In Arizona, typically its not a recourse state, so if they [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/6OiLZa8op3Q/2.jpg" align="left">Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification &amp; Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy &amp; Insolvency. Go To http://RealEstateMarketingThisWeek.com</p>
<p>Part 6 (Excerpts)</p>
<p>Arizona is not a recourse state, so chances are you will not owe 1099 C Income</p>
<p>In Arizona, typically its not a recourse state, so if they are telling you that theyre going to garnish your wages because you didnt pay back your entire mortgage, there is a local bank ,that was threatening a very good colleague of ours about a small second mortgage that person had taken out.  Threatening to send it to collections and garnish her wages.  It simply isn&#8217;t going to happen.  </p>
<p>But nevertheless, there is still the tax implications that apply, if you need to navigate through this maze.  There is a lot to it, you need to protect yourself.  You talked about bankruptcy is one of those exclusions, right?  One of the problems with bankruptcy is people dont understand the bankruptcy laws.  They are so tight now and your feet are really held to the fire from the federal government right now.  It&#8217;s not like you just didn&#8217;t make your mortgage payment, so you go file bankruptcy, it&#8217;s just not realistic.  Assuming bankruptcy is the last resort option for everybody.  And we certainly want to avoid that, it would not be sound financial advice from any credible source that I can think of.  </p>
<p>Let&#8217;s walk through a case scenario, somebody who is listening to this broadcast, their head is spinning right now, they&#8217;re thinking, oh my gosh.  I should have known about the tax implications, a short sale versus loan modification.  Let&#8217;s start at the top and work through a quick scenario.  And then we&#8217;ll point out the specifics of what they should be considering right now.  </p>
<p>For example, we talk about this all the time and to your credit Michael Barnes and to Velocity Financials credit, you were early in bringing out the loan modification for people who were in a distress situation regarding a mortgage, maintaining or keeping up with the mortgage payment.  So you started going down the path where the refinance started to become a much more difficult option, with new constraints and all the other factors that led to part of this economic crisis, a loan modification has become a buzz topic today.  Driving to the station today, driving down Camelback Road, I see a sign on the corner.  You know, one of those stick in the ground, homemade jobs, that says don&#8217;t refi a Loan, modify, with some success rate and the phone number.</p>
<p>Hang on there I want you to say the success rate.  The sign literally said, 99% success rate, and it goes back to the point that you made when they say that they can reduce your mortgage principal by tens of thousands, hundreds of thousands of dollars, thats the absolute last resort for any lending institution.  Thats not what this is about, so let&#8217;s start with that, then we will work on the tax ramifications of how that might work in the overall financial strategy.  </p>
<p>I am familiar with the loan modification industry here in Arizona.  There is no regulation, unfortunately.  We at Velocity Financial work with a national network of attorneys, so if you&#8217;re the guy in El Centro California, or youre in Phoenix, or youre in Alaska it doesn&#8217;t matter where you&#8217;re at.  We have someone who is an expert in that field in that state because the laws are different.  But without the regulations some person with the ugly yellow sign on the side of the road says he has a 99% success rate, I don&#8217;t believe him it&#8217;s probably not using an attorney, who knows, dont buy into that garbage.  Were going to tell you the truth, if we cant do a loan modification, we will tell you that we cant do it.  And if a loan modification is not the best thing for you, you can find the some of these other options.</p>
<p>Duration : <b>0:5:19</b></p>
<p><span id="more-1785"></span><br />[youtube 6OiLZa8op3Q]</p>
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		</item>
		<item>
		<title>Tax Credit for First Time Home Buyer Mortgage, $8000 Government Assistance Program for Home Finance</title>
		<link>http://www.homeloanapplicationsonline.com/home-loan/tax-credit-for-first-time-home-buyer-mortgage-8000-government-assistance-program-for-home-finance</link>
		<comments>http://www.homeloanapplicationsonline.com/home-loan/tax-credit-for-first-time-home-buyer-mortgage-8000-government-assistance-program-for-home-finance#comments</comments>
		<pubDate>Tue, 06 Apr 2010 22:08:47 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[home loan]]></category>
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		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/home-loan/tax-credit-for-first-time-home-buyer-mortgage-8000-government-assistance-program-for-home-finance</guid>
		<description><![CDATA[First Time Home Buyer Tax Credit Assistance and Federal Government Home Loan Program with Low Down Payment on FHA Mortgages. Buy Bank Foreclosed Homes at a Discount. Go To http://RealEstateMarketingThisWeek.com Part 2 (Excerpt) The median income family can afford twice the median priced home; prices drop over 50% And now I mentioned Dan Havey is [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/bI-EUJd-WKM/2.jpg" align="left">First Time Home Buyer Tax Credit Assistance and Federal Government Home Loan Program with Low Down Payment on FHA Mortgages.  Buy Bank Foreclosed Homes at a Discount. Go To http://RealEstateMarketingThisWeek.com</p>
<p>Part 2 (Excerpt)</p>
<p>The median income family can afford twice the median priced home; prices drop over 50%</p>
<p>And now I mentioned Dan Havey is back in the studio with us, Dan has done a lot of great things in the mortgage industry.  He left us about a year and a half ago, is that right Dan?</p>
<p>Yes, I left the mortgage industry in October of 2007. Tell us a little bit more about yourself.</p>
<p>As you know I came originally from Wisconsin, where I got a degree in Business Finance and I came out here in 1989 and started working with my brother selling real estate owned-REO, bank owned properties for Fannie Mae, Countrywide, and the Resolution Trust Corporation-RTC which was the government entity that was put in charge of disposing of all the real estate owned by the 1800 S&amp;Ls that had failed.  I did that until about 1995 when I moved into the mortgage industry and there for 12 years I worked predominately with bankruptcy attorneys helping their clients get out of bankruptcy and foreclosure.  I left the mortgage industry in October of 2007.  Now I am working predominately in the arena of marketing for real estate and mortgage companies, helping out companies, just like Im here helping out Michael  today, to get people to realize that right now actually is a really good time to buy.</p>
<p>There are a couple of points I want to make and it was something that Michael had said earlier.  The first one was that 4% interest rate.  Originally Obama said a couple of weeks ago, when he rolled out the mortgage plan, that they were going to take the $200 billion and use it to buy mortgage backed securities, well the article I was reading today said it appears that plan may have changed.  Instead of buying the mortgage backs they were actually buying the stock of Fannie and Freddie to help support the company and keep these companies going under.  I dont quite understand why being how they own them now.</p>
<p>Well youve got to hand it to the government they have really done a heck of a job helping Fannie Mae out, for instance today the stock is up to $0.41. Wow, doing so well, I remember when it was $150 or so, where it was at the top of the market.  </p>
<p>Today, right now is definitely the best time even if rates dont get down to the 4% point. The beauty of it and were going to talk more about this in a later segment, is that we have seen a 51% decline in home values from the peak of the market.  So you dont have to have the absolute greatest interest rate in order to be able to buy a house today. The median home price right now is $130,000 in Maricopa County, it was $264,000 just two years ago.</p>
<p>So the median home price is $130,000?  We are going to talk a little bit about what a person has to make to actually qualify for that.  Well it is definitely well within the means of a median income family.  Right now a median income family makes about $64,000 in the state of Arizona according to the US Census Bureau and HUD.  I ran some numbers today, I think at 6% interest and at that rate they can buy a $280,000 house.  So you can buy twice the median home price if you are making just what the median income family would be in the state of Arizona.   So the median household income buys double the median priced house in Maricopa County. That is correct, at 6% interest.</p>
<p>And the reality of it is interest rates are not even that high right now. So for people to be waiting for that perfect interest rate of 4% it doesnt really matter if it gets here or not because right now is such an incredibly fabulous time to be buying a house.  There are so many foreclosures out there on the market right now,  there are so many short sales out there on the market right now, and the point you made earlier is very important, that people have to get in and get prequalified, know exactly what they can buy.  Now in many cases you are going to need a down payment, so get with your mortgage broker, get with Velocity Financial and start working on that program of getting those funds together for the down payment as well.</p>
<p>Dan Havey we talked in the past about whats available for financing these days, interesting to give little pat on the back for Velocity Financial is one of less than 15% of all of the lenders in the state of Arizona that are qualified to do FHA financed homes. Now FHA financing, people used to think it was only for first time home buyers, thats no longer the case. The FHA loan which only requires 3.5% down payment it doesnt matter if you have owned a home before and in many cases you can own another home now so long as your new purchase is going to be your primary residence you can utilize FHA financing and put only 3.5% down.</p>
<p>Duration : <b>0:6:42</b></p>
<p><span id="more-1778"></span><br />[youtube bI-EUJd-WKM]</p>
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		<title>Money Merge Account Mortgage Accelerator Clip dr</title>
		<link>http://www.homeloanapplicationsonline.com/compare-home-loans/money-merge-account-mortgage-accelerator-clip-dr</link>
		<comments>http://www.homeloanapplicationsonline.com/compare-home-loans/money-merge-account-mortgage-accelerator-clip-dr#comments</comments>
		<pubDate>Sun, 04 Apr 2010 23:12:00 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[compare home loans]]></category>
		<category><![CDATA[Accelerator]]></category>
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		<category><![CDATA[Cancellation]]></category>
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		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/compare-home-loans/money-merge-account-mortgage-accelerator-clip-dr</guid>
		<description><![CDATA[Clip of Nationally Syndicated Consumer Advocate Dave Ramsey, Discussing Money Merge Account Equity Accelerator Mortgage Fraud. Duration : 0:3:44 [youtube viuUY47wLjs] addthis_url = 'http%3A%2F%2Fwww.homeloanapplicationsonline.com%2Fcompare-home-loans%2Fmoney-merge-account-mortgage-accelerator-clip-dr'; addthis_title = 'Money+Merge+Account+Mortgage+Accelerator+Clip+dr'; addthis_pub = '';]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/viuUY47wLjs/2.jpg" align="left">Clip of Nationally Syndicated Consumer Advocate Dave Ramsey, Discussing Money Merge Account Equity Accelerator Mortgage Fraud.</p>
<p>Duration : <b>0:3:44</b></p>
<p><span id="more-1772"></span><br />[youtube viuUY47wLjs]</p>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Home Ownership and President Bush</title>
		<link>http://www.homeloanapplicationsonline.com/home-loan/home-ownership-and-president-bush</link>
		<comments>http://www.homeloanapplicationsonline.com/home-loan/home-ownership-and-president-bush#comments</comments>
		<pubDate>Wed, 17 Mar 2010 23:02:37 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[home loan]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Bush]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[Fannie]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Freddie]]></category>
		<category><![CDATA[free]]></category>
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		<category><![CDATA[Karl]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[Mac]]></category>
		<category><![CDATA[Mae]]></category>
		<category><![CDATA[OWNERS]]></category>
		<category><![CDATA[predatory]]></category>
		<category><![CDATA[Reagan]]></category>
		<category><![CDATA[Rove]]></category>
		<category><![CDATA[voodoo]]></category>

		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/home-loan/home-ownership-and-president-bush</guid>
		<description><![CDATA[I think the Republican Party and their cronies on Wall Street could certainly use some &#8220;faith-based programs&#8221; right now&#8230; but the truth is that the 30-year experiment with Reaganesque pro-business, anti-government, pro-deregulation economics is coming thankfully to a very abrupt end. Duration : 0:6:50 [youtube kNqQx7sjoS8] addthis_url = 'http%3A%2F%2Fwww.homeloanapplicationsonline.com%2Fhome-loan%2Fhome-ownership-and-president-bush'; addthis_title = 'Home+Ownership+and+President+Bush'; addthis_pub = '';]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/kNqQx7sjoS8/2.jpg" align="left">I think the Republican Party and their cronies on Wall Street could certainly use some &#8220;faith-based programs&#8221; right now&#8230; but the truth is that the 30-year experiment with Reaganesque pro-business, anti-government, pro-deregulation economics is coming thankfully to a very abrupt end.</p>
<p>Duration : <b>0:6:50</b></p>
<p><span id="more-1726"></span><br />[youtube kNqQx7sjoS8]</p>
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		<slash:comments>25</slash:comments>
		</item>
		<item>
		<title>(Apply for credit cards),Approved for credit cards,Today!</title>
		<link>http://www.homeloanapplicationsonline.com/online-mortgage-application/apply-for-credit-cardsapproved-for-credit-cardstoday</link>
		<comments>http://www.homeloanapplicationsonline.com/online-mortgage-application/apply-for-credit-cardsapproved-for-credit-cardstoday#comments</comments>
		<pubDate>Fri, 12 Mar 2010 02:57:15 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
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		<guid isPermaLink="false">http://www.homeloanapplicationsonline.com/online-mortgage-application/apply-for-credit-cardsapproved-for-credit-cardstoday</guid>
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<p>Duration : <b>0:1:39</b></p>
<p><span id="more-1703"></span><br />[youtube E6-ipGqVpTw]</p>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CAR LOAN CAR FINANCE BAD CREDIT CAR LOAN AND AUTO LOANS AND ALL TYPES OF LOANS AVAILABLE FAST AND EASY NO OBLIGATION NO FEES GUARANTEED APPROVAL VISIT US NOW AND APPLY ONLINE</title>
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		<comments>http://www.homeloanapplicationsonline.com/mortgage-applications-online/car-loan-car-finance-bad-credit-car-loan-and-auto-loans-and-all-types-of-loans-available-fast-and-easy-no-obligation-no-fees-guaranteed-approval-visit-us-now-and-apply-online#comments</comments>
		<pubDate>Wed, 24 Feb 2010 04:45:53 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[mortgage applications online]]></category>
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		<description><![CDATA[CAR LOAN CAR FINANCE BAD CREDIT CAR LOAN AND AUTO LOANS AND ALL TYPES OF LOANS AVAILABLE FAST AND EASY NO OBLIGATION NO FEES GUARANTEED APPROVAL VISIT US NOW AND APPLY ONLINE Getting a car loan has never been faster or easier than with Apply and Drive. You&#8217;ll get same day approval at best rate [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/4tyxOZWM7Mo/2.jpg" align="left">CAR LOAN CAR FINANCE BAD CREDIT CAR LOAN AND AUTO LOANS AND ALL TYPES OF LOANS AVAILABLE FAST AND EASY NO OBLIGATION NO FEES GUARANTEED APPROVAL VISIT US NOW AND APPLY ONLINE  Getting a car loan has never been faster or easier than with Apply and Drive. You&#8217;ll get same day approval at best rate possible for your credit situation Car loans calculator free online car loan calculator at car loans specializing in poor credit car loans 60 second no-obligation application. to learn more about this great offer, please visit our website at Private Fast Loans.com</p>
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<p>Duration : <b>0:6:46</b></p>
<p><span id="more-1624"></span><br />[youtube 4tyxOZWM7Mo]</p>
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		<title>SIGNATURE STUDENT LOAN INFORMATION  FOR GRADUATE SCHOOL AND UNDERGRADS-SMALL BUSINESS LOANS AND LOANS PROGRAMS VISIT NOW AND APPLY ONLINE NO FEES</title>
		<link>http://www.homeloanapplicationsonline.com/mortgage-applications-online/signature-student-loan-information-for-graduate-school-and-undergrads-small-business-loans-and-loans-programs-visit-now-and-apply-online-no-fees</link>
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		<pubDate>Mon, 22 Feb 2010 04:46:30 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
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		<pubDate>Sat, 20 Feb 2010 06:50:56 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
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			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/ssrbf-iR-FY/2.jpg" align="left">Bad Credit Home Loan Resources Mortgages,refinance,Car Loans, Auto Loans,Car Finance, Credit Cards,Payday Loans All Kind Of Loans Visit Us Now And Get 60 Second Guaranteed Approval Funding Way specializes in bad credit car loans, auto loans, consumer auto financing, bankruptcy auto loans and special situation car loans The problem is this credit crunch. Looking around the U.S. for any finance Obviously, if your credit score is good, the loan you ask for is more likely also good How to Repair a Bad Credit History. No matter how bad your credit is, you can take steps that will make it better Personal Finance Get information on bad credit home loan programs available for people with bad credit who want to buy a house, refinance, or obtain a home equity loan. to learn more about this great offer, please visit our website at Private Fast Loans.com</p>
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<p>Duration : <b>0:10:24</b></p>
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		<title>Best Credit Cards Search And Apply For A Credit Card Best Offers And Online Application</title>
		<link>http://www.homeloanapplicationsonline.com/online-mortgage-application/best-credit-cards-search-and-apply-for-a-credit-card-best-offers-and-online-application</link>
		<comments>http://www.homeloanapplicationsonline.com/online-mortgage-application/best-credit-cards-search-and-apply-for-a-credit-card-best-offers-and-online-application#comments</comments>
		<pubDate>Sat, 20 Feb 2010 06:50:43 +0000</pubDate>
		<dc:creator>Randi</dc:creator>
				<category><![CDATA[online mortgage application]]></category>
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		<description><![CDATA[http://creditondemand.info Little-Known Loophole Allows You To Get Low Interest Credit Cards On Demand! No Credit Check Required&#8230; Hurry! Best Credit Cards Search And Apply For A Credit Card Best Offers And Online Application Instant Approval Also All Kind of Loans Visit Us Now Fast ANd Easy Apply Online Looking for a credit card in the [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://i.ytimg.com/vi/v3nxY5j9a2g/2.jpg" align="left">http://creditondemand.info Little-Known Loophole Allows You To Get Low Interest Credit Cards On Demand! No Credit Check Required&#8230; Hurry!</p>
<p>Best Credit Cards Search And Apply For A Credit Card Best Offers And Online Application Instant Approval Also All Kind of Loans Visit Us Now Fast ANd Easy Apply Online<br />
Looking for a credit card in the US? Compare hundreds of credit cards offers and apply now for quick decisions from the best lenders. For additional information about Annual Percentage Rates (APRs), fees, and other costs, see the Summary of Credit Terms. This card is issued Credit card applications for the best low interest, 0% balance transfer, no annual fee, bad credit, instant approval, business, cash back, rewards, student credit card.to learn more about this great offers please visit our website at Private Fast Loans</p>
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<p>Duration : <b>0:0:31</b></p>
<p><span id="more-1596"></span><br />[youtube v3nxY5j9a2g]</p>
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