Blog & Related News

Florida County Clerk Websites & Why To Visit Them

Wednesday, 01 April 2009 10:24:51

Instead of searching individually for a particular Florida county clerk website, our county clerk index is convenient and provides links to ALL of Florida's county clerk websites on a single page. Here's a quick link to this helpful resource: Florida County Clerk Websites

Why visit a Florida county clerk's website anyway?

Each Florida county clerk's web site gives you access to Florida public records to perform searches to find recent Florida foreclosure filings, Florida loan and mortgage recordings, Florida pending property legal actions and even a list of upcoming Florida property foreclosure sales by relevant Florida county.

And do not forget about the detailed information regarding the Florida legal process as it pertains to mortgage and foreclosure actions. If you are serious about protecting your property rights and want to obtain a loan modification, mount a foreclosure defense, iniate a lender loan audit or a combination of these objectives, it is very helpful to understand the type of property-related legal actions taking place in your particular Florida county. Each Florida county clerk website also lists the relevant circuit court and its contact and address information. These are the courts that handle all property-related hearings and rule on cases that are brought on by the banks and lenders such as those initiating property foreclosure actions.

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Why A Forensic Loan Audit Makes The Bank More Willing To Work With You

Sunday, 22 March 2009 11:09:26

"If you are one of millions of Americans with a troubled mortgage, a newly developed tool called a forensic (loan) audit may stall foreclosure or help you persuade your lender to modify your loan."

"A forensic audit analyzes the computations and representations made in your original loan documentation, whether from a refinance transaction or from when you originally purchased your home. Some loan transactions and documents contain errors such as miscalculating the annual percentage rate (APR) in the truth in lending statement or a lender's failure to provide borrowers with required disclosures. These potential mistakes may have violated various federal and state laws and could be used by borrowers to demand changes in mortgages, such as reductions in the principal balance, interest rate modifications and waiver of past due payments."

"Errors revealed by forensic (loan) audits may also serve as a defense against home foreclosure. Costs vary but the information revealed may help homeowners attempting to keep their homes. A real estate attorney should conduct a forensic audit to determine if mortgage documents violate any state or federal laws."

- excerpt from Saturday's PB Post (03-14-2009)

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Citi announces $500/month payments for the recently unemployed

Wednesday, 04 March 2009 07:50:24

NEW YORK - In a stunning move yesterday, officials at CitiBank's mortgage division announced its first of a kind program to allow recently unemployed homeowners the ability to pay just $500/month for three months, regardless of their normal monthly mortgage payment. Borrowers who take advantage of this offer will not have their credit adversely affected. The program is available immediately for those unemployed homeowners who have a mortgage that is directly owned by Citi.

Citibank hopes that other banks will follow its lead and did note that many of the loans it services will not be eligible as Citi does not own every loan that they service. This is a great idea put into action by Citi and is especially encouraging given that the level of unemployment continues to rise and put economic pressure on families throughout the country. Hopefully this will encourage more officials and policymakers at the institutional and government level to begin addressing homeowners' needs who have a little savings, but may not have steady streams of income as they struggle to put their financial houses in order. Citi encourages its mortgage customers who may qualify for this assistance to call their regular customer service centers for complete details.

- AmeritrustSolutions.com

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Government Homeowners' Rescue Plan Stalled in Congress

Tuesday, 03 March 2009 04:20:27

As of this evening, legislators in Washington D.C. have been unable to finalize the much touted homeowners' rescue plan. Still no help is being offered for second homes and investors. Primary homeowners are promised assistance if the bill passes only if they are current or nearly current on their existing obligations. Given this uncertainty one wonders whether or not this legislation in its final form will aid a significant percentage of homeowners at all. As one prominent legislator who spoke on background put it, "Most of my constituents feel that the help will be too little, too late and are taking their own measures to help themselves."

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Obama's Government Backed Loan Modification Plan

Thursday, 19 February 2009 07:53:41

The government's recent loan modification plan is a temporary fix. After 5 years you are once again at the bank's and lender's mercy and they will have the right to renegotiate your loan at any term or rate they desire. Investors and second homeowners are not eligible for any assistance at this time. At Ameritrust Solutions our approved modifications are permanent 30 to 40 year fixed rates. We are able to successfully represent investors and second homeowners looking to secure better terms for their existing loans and obtain principal reductions.

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