Vietnamese popstar Nhu Loan, from Paris By Night, visits The Kristine Sa Show to have some yogurt with Kristine and answer fanmail on a very special episode run by all their fans! If you wrote in, look out for your question, we may have read it on the air. [P1] www.youtube.com [P2] www.youtube.com [P3] www.youtube.com [P4 - Behind The Scenes] www.youtube.com ExecutiveProducers: Johnny D. Nguyen Kristine Sa Directors: Johnny D. Nguyen Kristine Sa Camera & Lights: Jimmy Tran Lam Nguyen Hien Huynh Motion Graphics: Elliot Donofrio Production Consultant: D.Tenio Assistant Producer: Tina Ho Technical Supervisor: T-Spect Music Scoring: Roland Casiquin Jr. rxbx Music / Music Vision Program Sponsors: TD MEDIA Tam Doan Entertainment VIETFAMILY Magazine Vietshowbiz.com Thoi Bao Magazine Ninety Boutique Special Thanks: Nhu Loan San / Yummie Yo Vinashowbiz.com Official Websites: www.youtube.com/kristinesa www.myspace.com/kristinesa www.kristinesa.com Contact: thekristinesashow@gmail.com This episode was shot on location at "YUMMIE YO" in Garden Grove, CA All rights reserved Copyright 2008, VAN-TV, Inc.

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I need to know all the details and if it is a good choice. I have payed off my vehicle and credit cards and have none, but I have alot of student loan debt. Our dilema are the student loans. And paying them. I have heard about home equity loans and heard about being tax deductible. How do they work? Do they look bad on your credit? How much can you borrow ? Does it add to the years to pay off your house? We only have eleven years left to pay as it is right now. Just wondering what is a good option. I even thought that after I graduate and am working that my pay checks can go all to my student loans. I am just looking for some good ideas without having to stress out about debt and bills and such. We are trying to pay our bills off and so far have done good. But those student loans are looming in the background.

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Arsenal teen star Wilshere joins Bolton on loan
Highly-regarded Arsenal midfielder Jack Wilshere on Friday joined fellow Premier League side Bolton on loan until the end of the season.

Read more on AFP via Yahoo! News

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loan shark mtv early 2003. damn lame. these episodes are being replayed on channel 8 this yr (2007) and everyone complained that we suck big time. i just wanna point out and ask those guys who complained "where are u in 2003? we sucked in 2003. but we made it big, and improved tons from 2003 to 2007". put yourselves in our shoes, and let me know if u can do better back in those days.

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During these trying times when mortgages, real estate prices and other financial arrangements are completely unstable, many homeowners are asking how they can qualify for a loan modification.  Both the FDIC and the federal treasury are strongly supporting loan modifications as a way to keep people in their homes.  Lenders don't want to take back anyone's home, homeowners obviously want to stay in their homes and the federal government wants what the people and lenders want.

Many people who are trying to keep their homes are asking questions such as:  who qualifies for a loan modification?  Homeowners throughout California who are trying to stay in their homes are interested in the loan modification process and want to learn more about California loan modifications.

Below are some basic tips on how to recognize whether or not you are eligible for a California loan modification (or loan modification in another state).

Borrowers (those with a mortgage) struggling to stay current on their mortgage payments may be eligible for a loan modification if their income is not sufficient to continue to make their mortgate payments and they are at risk of imminent default.  California homeowners may be eligible for a loan modification even if they are not currently behind on payments.  Several factors may cause this scenario:  loss of income; significant increase in expenses; or an interest rate that will resent to an unaffordable level.

Here are three ways to know if you qualify for a California or federal loan modification:

1).You occupy your house as your primary residence

2).Your monthly mortgage payment is greater than 31% of your monthly gross income

3).Your loan (mortgate) is not large enough to exceed current Fannie Mae and Freddie Mac limits

Loan Modification

A Loan Modification is a permanent change in one or more of the terms of a mortgagor's loan, allows the loan to be reinstated, and results in a payment the mortgagor can afford.   You may be seeking a California or federal loan modification if you are having trouble paying your mortgage.  The key is to find a qualified loan modification attorney who understands loan modification law.

Loan modification attorneys will tell you that there are only three possible outcomes when a homeowner cannot make the payments on their mortgage:

1.The property goes back to the lender through a foreclosure or a "deed-in-lieu" and the property goes back out on the market.

2.The homeowner sells the home in a conventional sale or a "short sale" and the home goes back onto the market.

3.The lender (bank or mortgage company) modifies the loan so that the homeowner can make the payments and the home does not go back onto the market.

The loan modification option is the best solution, by far, for the lender, homeowner and country in almost all situations.  The loan modification process does not require any appraisals, credit reports or title reports because a loan modification is simply a renegotiation of the terms of an existing note.  A loan modification can consist of a reduction in the interest rate, a change from a fully amortized to interest only payments for a period of time, an extension of the loan term, a reduction of the principal balance of the loan and/or a resolution of any arrearages.

Loan Modifications are the best overall solution for the following reasons:

1.Families are kept in their homes through the loan modification process

2.Los modifications ease the financial pressure that causes stress in families

3.Loan Modifications have the least cost solution to the lenders, which is why many lenders are willing to do them

4.Loan modifications keep the house off of the market and therefore each loan modification represents a step closer to the solution to the current economic crisis.

5.Loan modifications are a market solution, meaning they aren't taking taxpayer dollars.

6.Loan Modifications can be done quickly if you have an experienced loan modification attorney.

Loan Modification, Foreclosure Assistance, & Foreclosure Help by The Feldman Law Center

Loan modification is the focus on our website, however; we do provide our clients with proper legal advice and share expertise in the areas of real estate transactions, mortgage negotiations, loan modifications and debt settlement. The Feldman Law Center, a Loan Modification Attorney, was founded by Steven C. Feldman who has been licensed by the State Bar of California for over 25 years. We are consumer and homeowner advocates that will protect you from home foreclosure with our detailed loan modification program. The Law Offices were established to focus on real estate matters that include debt negotiation, predatory lending violations, settlements and loan modification. We are here to help stop foreclosure, and fight mortgage fraud.

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SuperMedia gets junk bond rating on $2.75 bln loan
A credit ratings agency on Friday assigned a junk bond rating to a $2.75 billion loan taken out by SuperMedia Inc., the second largest U.S. publisher of yellow pages directories.

Read more on AP via Yahoo! News

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There is a lot of talk today about unfair loan modifications. In this economy, mortgage loan modification is a good option for many people struggling to repay their debts, but reports of predatory modification companies have some homeowners afraid to act.  Some individuals have been taken advantage of, particularly in the California loan modification scams, by companies who take their money and provide no results.  With the help of qualified, respected attorneys like those at Feldman Law Center, however, home loan modifications can save borrowers from a lifetime of unmanageable debt.

There are many options for loan modification, and it is wise to seek out the best possible loan modification advice.  For example, you may be wondering about federal loan modification law.  The FDIC loan modification program may be able to help you, but it may not.  Unethical modification companies may not tell you about all of your options, preferring instead to make empty promises and return nothing. The attorneys at Feldman Law Center, however, know exactly which homeowners can be helped by federal loan modification and will gladly recommend government assistance if that is what is right for your situation.  More likely, however, you will need to consider other options, as the FDIC's loan modification program promises help to only to a specific segment of homeowners.

If you are struggling to make ends meet and saddled with unrealistic payments, principle reduction, rate reduction, or another form of modification to your loan may be possible without federal assistance.  This indeed ought to be a key indicator of the trustworthiness of any loan modification company.  It is crucial to examine your own specific situation to determine what kind of help would be most beneficial to you.  Any company that charges an unwieldy up front fee with no apparent concern for your circumstances is likely to cause more harm than good.  Do not enter into any loan modification agreement with anyone unless you understand precisely how they will help, and they have demonstrated their ability to negotiate specifically on your behalf.

The loan modification process can be frightening, but it is possible to find debt relief in many situations.  Another key to avoiding unethical or untrustworthy loan modifications is to pay attention to what you are being promised.  Any company that can claim to be able to get you a specific rate reduction or to reduce your principle by a specific amount before judging your circumstances or negotiating with your lender cannot be telling the truth.  Without speaking to a lender about a specific loan, it is impossible to know how much can reasonably be promised in the way of principle reduction or interest rate reduction.

Hardship modification has become necessary for many people, and finding a trustworthy loan modification attorney can be very tricky.  You can, however, place your trust in the Feldman Law Center.  Our loan modification programs can provide you with help to get your debt back under control.  Unlike the predatory loan modification companies, we will not take any action that does not benefit you.  With loan modification help from our experienced attorneys, your unrealistic payments could become a thing of the past.

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Structuring and Drafting Commercial Loan Agreements

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As many Americans living in California are facing the possibility of falling behind on their mortgage, or even foreclosure, they are looking into how to qualify for a loan modification.  California loan modifications can seem like a complex process, and many people either lack the knowledge or instruction to see if they qualify.  Loan modifications can save a family a great deal of stress, and a qualified loan modification attorney can keep a family in their house where they belong.Learning to qualify for a loan modification is important, because it may be the only way to stay in your house while you're facing financial hardship.  There are three conditions that usually must be present in order for a loan modification to be possible:  there must be a hardship which results in the inability of the homeowner to make the current mortgage payment or the increased payment which will result from an adjusted interest rate. 

When someone is assessing whether or not a hardship does exist, they will look for a situation to have changed which caused the income to go down or the expenses to go up.  These changes in either the income or expenses (these days usually both) will often cause the homeowner not to have enough income to make the current mortgage payments, or future mortgage payments.

The second condition which usually must exist in order to qualify for a loan modification is that there must not be enough equity remaining to sell the home and to pay off the mortgage without the lender agreeing to take less than is owed.  Many lenders want to avoid a short sale, and if you can negotiate with the lender, they would rather do a loan modification than a short sale.

Thirdly, and possibly the most important issues, the homeowner has to be able to provide specific documentation showing that they can afford to make the proposed modified payment. Since this isn't a refinancing, rather a negotiation between the homeowner(or their representative such as The Feldman Law Center) and the lender, published guidelines don't exist.  All income can be considered so long as it is documented.  Usually, common sense prevails when the proposed loan modification is evaluated.

California loan modifications, as well as federal loan modifications and FDIC loan modifications, can be the answer homeowners are looking for if they cannot currently make their mortgage payments.  If you can make a lower payment, be assured that the lender would rather a lower payment than a foreclosure. 

Loan Modification, Foreclosure Assistance, & Foreclosure Help by The Feldman Law Center

Loan modification is the focus on our website, however; we do provide our clients with proper legal advice and share expertise in the areas of real estate transactions, mortgage negotiations, loan modifications and debt settlement. The Feldman Law Center, a Loan Modification Attorney, was founded by Steven C. Feldman who has been licensed by the State Bar of California for over 25 years. We are consumer and homeowner advocates that will protect you from home foreclosure with our detailed loan modification program. The Law Offices were established to focus on real estate matters that include debt negotiation, predatory lending violations, settlements and loan modification. We are here to help stop foreclosure, and fight mortgage fraud..

Popularity: 2% [?]

Product Description
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