Ogłoszenie

Dear Friends,

It is with a heavy heart that we have decided to retire our beloved Forum Detroit. It has served the Polonia Detroit for over 10 years, and was a source of joy for many. However, after many months of inactivity, the time has come to bid it farewell.

Deepest and warmest thanks to all those who contributed to Forum discussions over the years, either by sharing their thoughts or reading those of others. Your presence and participation served as a building block of this online polish community.

Forum Detroit

#1 09.30.2010 05:52:58

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Mortgage (pozyczka hipoteczna)

Czy można dostać mortgage, będąc w USA nielegalnie?


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#2 09.30.2010 06:01:33

madmax
Niezaprzeczalna Legenda Forum
Zarejestrowany: 03.09.2007
Posty: 4409

Re: Mortgage (pozyczka hipoteczna)

znalem takich ludzi , wiec chyba tak


"Największą chlubą nie jest to, aby nigdy się nie potknąć, ale to, aby po każdym upadku dźwignąć się i stanąć na nogi."

Offline

 

#3 09.30.2010 07:00:29

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

W międzyczasie, jeśli już masz to szczęście posiadania pożyczki hipotecznej, zwalczaj "foreclosure"...


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#4 09.30.2010 07:08:32

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Okazuje się, że tak, ale muszą być spełnione pewne warunki...

ITIN Mortgages and obtaining a Loan with an Individual Tax Identification Number

Undocumented Immigrants can obtain mortgages and loans with ITIN

ITIN stands for individual taxpayer identification number. ITIN Lending is a special type of financing that is available to Undocumented Immigrants living in the United States. Those individuals looking for an ITIN need to first fill out an ITIN Application where they can secure an ITIN Number from the Federal Government.

What is required to obtain an ITIN Mortgage?

In order to obtain an individual taxpayer identification numberMortgage, Undocumented Immigrants must:

    * Have an Individual Tax Identification Number (ITIN).
    * Be employed for at least two (2) years in the United States.
    * Have been paying rent for at least two (2) years
    * Have at least two (2) other forms of alternate credit.

Individual taxpayer identification number (ITIN) mortgages are a hotly debated topic in Washington and among voters.  Obtaining a loan with ITIN is causing a lot of controversy on Capitol Hill.

Some believe that since an undocumented immigrant is living in the United States illegally, he/she should not be able to obtain mortgage financing.  However, the law currently sides with undocumented immigrants, in that it allows ITIN Mortgage Financing as long as certain criteria are met.

Individual taxpayer identification numbers can be used by illegal immigrants to secure home ownership in the United States.

ITIN Requirements: The IRS issues ITINs to individuals who are not able to obtain a Social Security Number. The requirements for obtaining an ITIN are different than other U.S. government applications, as the applicant's immigration status is not verified and the applicant does not have to meet in person to file the application. The supportive documents submitted are not validated outside the tax system. The IRS has their own set of rules and regulations, and it is not related to the USCIS. Only non-U.S. citizens can apply for an Individual Taxpayer Identification Number. Individuals who already have a valid SSN should not apply for an ITIN, as it is not needed and it is not allowed to have both a Social Security Number and an ITIN. Individuals who have a valid Social Security Number should file taxes using their SSN, not an ITIN.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#5 09.30.2010 07:20:34

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Co za ciekawy temat...

Mortgage Lending and Foreclosures in Immigrant Communities:
Expanding Fair Housing and Fair Lending Opportunity Among Low Income and Undocumented Immigrants


(http://4909e99d35cada63e7f757471b7243be … _merge.pdf)

"Abusive mortgage lending and real estate practices pervade many immigrant communities. Steering
of immigrants to particular neighborhoods, or to abusive and unaffordable mortgage loans, impedes
fair housing choice and immigrant families’ prospects for long-term, sustainable homeownership.
Housing advocates cite abusive practices by “one-stop shops” – where real estate agents, appraisers,
mortgage brokers, and attorneys collude to deceive homebuyers – as particularly rampant in
immigrant communities, where language and cultural barriers result in greater reliance on brokers to
navigate the complicated homebuying process.
In particularly egregious cases of abuse, some real estate professionals have targeted new
immigrants for scams involving mortgage fraud. Fair housing advocates in numerous states have
identified, for example, patterns in which undocumented immigrants were led through the
homebuying process by seemingly sympathetic brokers, only to be told before closing that they
needed to find a friend or family number with a Social Security Number to sign for the mortgage
loan. These schemes have cost numerous families their life savings, while exposing all parties
involved to serious legal risks.
At the same time that undocumented immigrants were frequent targets for abuse, they also had
greater access to legitimate home purchase opportunities in the years leading up to the mortgage
crisis. Over the past decade, a small but growing number of lenders began making mortgage loans
to individuals who did not have Social Security Numbers or traditional credit histories, by accepting
those individuals’ IRS-issued Individual Taxpayer Identification Numbers (ITINs) and developing
underwriting criteria that considered alternative payment and credit histories. ITIN mortgages have
provided a legal path to homeownership for many undocumented immigrants, among other
populations not eligible to receive Social Security Numbers. Despite higher interest rates typically
associated with these loans, and the political controversy that has frequently surrounded them, ITIN
loans have consistently outperformed even prime mortgage loans. Nonetheless, the availability of
ITIN loans has diminished drastically in recent years, as a result of the mortgage crisis and lack of a
secondary market for these loans, among other factors, curtailing opportunities for homeownership
among new and undocumented immigrants."


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#6 09.30.2010 07:25:39

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

USA PATRIOT Act, Section 326
Section 326 of the PATRIOT Act requires financial institutions to collect at least the following information
from new customers: name, date of birth, street address, and a government-issued identification number. The
identification number for U.S. citizens must be a Social Security or taxpayer ID number. For non-U.S.
citizens, the number may be a Social Security number, individual taxpayer identification number (ITIN), OR
the number from a U.S. or foreign government-issued ID that includes the person’s photo (or similar
safeguard) and nationality or residence —for example, a passport or consular ID. See, e.g.:
www.ncua.gov/reg_alerts/2003/03-RA-07Encl.pdf or www.ots.treas.gov/docs/2/25202.pdf.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#7 09.30.2010 07:39:32

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Could Borat Get An FHA Loan?
by Peter G. Miller
June 11th, 2007

You might imagine that from time to time Borat Sagdiyev – the invented and fictitious commentator from Kazakhstan — has opinions and notions which may get him in trouble with local authorities. He’s not alone, a lot of people would like to leave (or might have to leave) their current country of origin and many would surely like to come to the U.S.

This, of course, raises an important question: Can non-citizens get an FHA mortgage (http://www.fhaloanpros.com/) in our fair land?

The answer is that many can, but others not so much. Here’s what the FHA guidelines (http://www.fhaloanpros.com/fha-guidelines/) say:

Citizenship and Immigration Status.

Citizenship of the United States is not required for eligibility. When a mortgage loan applicant indicates on the loan application that he or she holds something other than U.S. citizenship, the lender must determine residency status from the documentation provided by the borrower.

Lawful Permanent Resident Aliens:

For those borrowers with lawful permanent resident alien status, FHA will insure the mortgage under the same terms and conditions as U.S. citizens. The lender must document the mortgage file with evidence of permanent residency and indicate on the Uniform Residential Loan Application (URLA) that the borrower is a lawful permanent resident alien. Evidence of lawful permanent residency is issued by the Bureau of Citizenship and Immigration Services (BCIS) (formerly the Immigration and Naturalization Service) within the Department of Homeland Security.

Non-Permanent Resident Aliens:

FHA will also insure a mortgage made to a non-permanent resident alien provided that the property will be the borrower’s principal residence, the borrower has a valid SSN, and the borrower is eligible to work in the U.S. as evidenced by an Employment Authorization Document (EAD) issued by BCIS. If the authorization for temporary residency status will expire within one year and a prior history of residency status renewals exists, the lender may assume continuation will be granted. If there are no prior renewals, the lender must determine the likelihood of renewal, based on information from the BCIS.

Although social security cards may indicate work status, such as “not valid for work purposes,” an individual’s work status may change without the change being reflected on the actual social security card. Therefore, the social security card is not to be used as evidence of work status for non-permanent resident aliens; the BCIS employment authorization document is to be used instead.

Non-U.S. Citizens with no lawful residency in the U.S. are not eligible for FHA-insured mortgages.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#8 09.30.2010 07:43:23

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

One Reporter's Opinion – Homes for Illegal Aliens

    George Putnam
    Friday, Aug. 12, 2005

It is this reporter's opinion that we are now witnessing a new, lucrative game being played on the illegal alien front. Let's call it "banking on illegal immigrants" - American banks engaging in providing home loans to "undocumented" U.S. residents. The banking industry is opening its doors to a controversial new market: illegal aliens.

An increasing number of banks have discovered an untapped resource for growing their own revenue. As one participant puts it, "We are institutionalizing illegality." Indeed, in this business there is no distinction being made between those who follow the rules and those who break our laws by entering the country or overstaying their visas.

According to the Center for Immigration Studies, 1 million illegals cross the U.S. borders every year. Time magazine sets the figure at 3 million. This represents a huge untapped market of people who live and work in this country and long to buy in to the American dream - a home of their own.

Enter the lending institutions, eager to grant loans to illegal aliens who meet their meager requirements: They can prove they have been in the country, worked and paid taxes for at least two years.

Nearly a decade ago, the IRS began giving out individual tax identification numbers (ITINs) so that people without Social Security numbers could pay taxes. They know that illegal immigrants are using the numbers to get mortgages. A spokesperson says, "We don't have control over whatever the taxpayers do with the numbers other than filing a tax return."

So now hundreds of illegal aliens in Texas and parts of the Midwest are buying homes using special lending programs that bypass the need for a Social Security number.

The home loan door is open. Real estate agents are taking advantage of a huge untapped market. And mortgage lenders are designing programs aimed at illegal aliens.

To top it off, one of the nation's chief banking regulators, the Federal Deposit Insurance Corporation, is encouraging banks to reach out to the Hispanic population (documented and undocumented). Banks discovered that loan programs based on the ITINs is one way to do that.

Despite their illegal status, buyers are getting home loans. But, you say, these illegals have no right to own property in the U.S. because they have no right to be here in the first place. Shocking as it may seem, the lending institutions are increasingly willing - even eager - to grant loans to illegals if they meet those few requirements (they can show they've been in the country, worked and paid taxes for two years).

Some banks are reluctant to lend money to illegals, fearing they could be deported and therefore default on their mortgages. But many banks, unbelievably, are willing to take this risk.

Recently, State Senator Glenn Grothman, R-Wis., introduced a bill reining in the lending programs that cater to illegals. Grothman says it's wrong for the government to set up a program specifically designed to benefit people who have chosen to ignore immigration laws.

With the backing of some of the country's largest financial institutions, this effort to tap customers for the real estate market is moving to the nation's largest concentration of illegal immigrants. It is not uncommon to have an agent show up at an illegal's door and ask: "Do you want a house? Do you work and pay taxes but don't have a Social Security number?" Then the agent hands the illegal a flyer, written in Spanish and tailored to his potential customer. It reads: "WE CAN HELP YOU LEGALLY."

For years, qualifying for a mortgage required a Social Security number; the only way for an illegal to get a mortgage would be to use a false number. But our greedy moneylenders have a powerful incentive in finding ways to get around those barriers.

The National Association of Hispanic Real Estate Professionals estimates that more than 216,000 illegals could buy homes if they had better access to the market. A representative of the association says: "These gainfully employed people have been stuffing money in the mattress for a long time. They have been working and saving and raising their kids and going about their lives and they want to achieve the next step. Now the lenders have helped them find the way."

The procedures we have discussed are happening in several states: Illinois, Wisconsin and Texas, and are now spreading to California. One bank deeply involved in these proceedings is the Fifth Third Bank in Cincinnati. A spokesperson for the bank says, "We recognize this as a business opportunity and we are appealing to a market that is growing dramatically." So now the bank is reaching out to customers through churches and community organizations.

One of the bank's customers recently bought a three-bedroom home and offered his comment: "I feel like I deserve to have a house because I do what everybody else does. Sure, I'm an illegal. I install dry walling for a living. I pay my taxes. If loans are available, why shouldn't I take advantage of them?"

Citibank, the largest financial institution in the world, is a cofounder of a Latino real estate group. A spokesman says they are interested in the business opportunity; they think it is the right thing to do, but they are not interested in getting involved in the public debate that is taking place right now.

You couldn't do this in Mexico; an American can't even own property in Mexico! They have stringent rules about property ownership. Yet look at what we do: "Y'all come! Get a piece of America!"

What we are recognizing, as first stated, is institutionalizing illegality, with no distinction between those who follow the rules and those who break our laws. And this with the help of our own trusted banking institutions.

Greed is going to kill us all in the end.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#9 09.30.2010 07:56:41

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Wednesday, September 29, 2010
Mortgage Broker and Loan Officer Charged in Fraud Scheme

Bernadette Nicholas, 61, Newtown Square, PA, Kevin D. McAllister, 56, Drexel Hill, PA, and Wayne Rosen, 59, Philadelphia, PA, have been indicted for engaging in schemes to defraud Wilmington Trust Federal Savings Bank and Malvern Federal Savings Bank involving properties valued at more than $35.5 million.

According to the indictiment, Bernadette Nicholas, who was a mortgage broker, intentionally misrepresented material facts to Wilmington Trust about borrowers' income and assets, the potential rental income and accurate appraisals of properties. It further alleges that Nicholas falsified borrowers' tax returns and documents relating to the true source and amount of the down payments being made by borrowers, and forged borrowers' signatures on loan documents. McAllister worked as a loan officer with Wilmington Trust and allegedly worked in conjunction with Nicholas to approve mortgage loans for borrowers who did not meet Wilmington Trust's criteria for income, assets, and credit scores, in return for bribes and kickbacks from Nicholas. As a result, Nicholas and McAllister caused the approval of loans totaling more than $30 million.

Nicholas allegedly did not report the monies obtained from the Wilmington Trust fraud scheme to the Internal Revenue Service. McAllister also allegedly failed to report the illegally obtained monies that he received as bribes and kickbacks from his approval of the Wilmington Trust loans for Bernadette Nicholas' clients.

Bernadette Nicholas and Wayne Rosen are charged with engaging in a scheme to defraud Malvern Federal. According to the indictment, Nicholas brokered the sale of an apartment building between Rosen and mortgage clients and sought a $1.6 million loan from Malvern Federal for her clients. Nicholas allegedly altered the borrowers' income tax returns prior to submitting them to Malvern Federal and falsely represented the borrowers' income, the amount of the borrowers' down payment, and the details of a subordination agreement between Rosen and the borrowers on the borrowers' loan application and supporting documents. Second, Nicholas and Rosen applied for a $3.5 million loan to refinance an existing loan that they had on a medical building. In order to influence Malvern Federal's actions, it is alleged that Nicholas and Rosen prepared and caused to be prepared fraudulent leases which misrepresented the potential rental flow income of their medical building and caused these leases to be submitted to Malvern Federal.

If convicted, the defendants face the following: Bernadette Nicholas faces a guideline sentencing range of 70 to 87 months in prison, a fine of up to $59.2 million, five years' supervised release, and a $6,100 special assessment; Kevin McAllister faces a guideline sentencing range of 70 to 87 months in prison, a fine of up to $56.3 million, five years' supervised release, and a $ 5,900 special assessment; and Wayne Rosen faces a guideine sentencing range of 46 to 57 months in prison, a fine of up to $3 million, five years' supervised release, and a $300 special assessment.

United States Attorney Zane David Memeger announced the charges.

The case was investigated by the Federal Bureau of Investigation and the Internal Revenue Service. It is being prosecuted by Assistant United States Attorney Anita Eve.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#10 09.30.2010 08:27:59

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Obtaining a Mortgage
Borrowers can obtain a mortgage from a bank, credit union, mortgage company or other lender. Most lenders require the borrower to have a certain amount of money to use as a down payment toward the purchase of the house. For example, if a borrower wants to purchase a house for $150,000.00 and the lender requires a down payment of 5% ($7,500.00), the borrower would apply for a loan of $142,500.00 and make the down payment at the closing.

A lender requires detailed information about the borrowers in order to assess their ability to repay a loan. An application will be completed that asks the borrower about their employment, income, credit, assets and existing debts such as car loans, credit cards balances, etc. The borrower is also required to provide documentation such as income tax returns, W-2s, paycheck stubs, and bank statements to verify the information they listed on the application.

Through the process of underwriting, the lender will determine if the borrowers are qualified to borrow the amount of money they requested. Any approval at this time would be subject to an appraisal and a title search.

The appraisal is completed by an outside, certified appraiser. The appraisal provides the lender with a market value for the property being mortgaged.

A title search is ordered from a title company. Using the legal description for the property, the title company will research the history of the property. They will then provide the lender with a title insurance policy. The title policy insures there is clear title to the property and the new mortgage will be the priority lien on the property.

When all the requirements are met, the lender grants the loan. The promissory note specifies the interest rate and the repayment terms. The repayment terms specify the amount of the monthly payments and over how many years. The principal amount combined with the interest rate and length of term determines the payment amount. Payments are usually made on a monthly basis. The length of the mortgage typically can be from 10 to 30 years in five-year increments.

To accept the loan the borrowers sign a promissory note that obligates them to repay the mortgage debt. The borrower is responsible to insure the property against fire and other property damage. They are also responsible to pay the property taxes. If the borrower fails to keep any of these obligations, the loan is considered to be in default and subject to foreclosure.

The signing of the documents and transferring of funds and ownership of the property takes place at a closing. During the closing, the lender transfers money to the borrower to purchase the house and the borrower signs the mortgage documents. The borrower also pays the lender any fees associated with borrowing the money. These fees are called closing costs which include origination fees, fees for credit reports, flood certifications, appraisal, recording and title insurance. The closing costs are approximately 3% of the principal loan amount.

W związku z powyższym artykułem nasuwa mi się pytanie:

W przypadku kiedy pożyczka na dom została uzyskana na podstawie "niezupełnie" prawdziwych danych, kto ponosi większą odpowiedzialność w przypadku kiedy dom idzie na "foreclosure"?
Pożyczkobiorca, za podanie nieprawdziwych danych wymaganych przy aplikacji o pożyczkę,
czy tez pożyczkodawca, za przymrużenie oka, lub nie sprawdzenie wszystkich przedstawionych "kwitów"?


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#11 10.01.2010 06:50:22

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Hmm, cicho jakoś?
Nikogo te sprawy nie interesują?


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#12 10.01.2010 08:47:02

ak
Niezaprzeczalna Legenda Forum
Zarejestrowany: 03.01.2007
Posty: 3134
Serwis

Re: Mortgage (pozyczka hipoteczna)

interesuja, interesuja
tylko dlaczego zoomboy o tym piszesz?

mysle, ze w naszej unii wszystkie  kredyty na dom przydzielane sa na podstawie sprawdzanych, a wiec wiarygodnych danych.


"Friends are flowers in the garden of life"

Offline

 

#13 10.02.2010 08:23:19

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

ak napisał:

interesuja, interesuja
tylko dlaczego zoomboy o tym piszesz?

mysle, ze w naszej unii wszystkie  kredyty na dom przydzielane sa na podstawie sprawdzanych, a wiec wiarygodnych danych.

I ja tak myślę (mam nadzieje), a jeśli jakieś okazjonalne "foreclosure" się zdarzy to robiona jest dogłębna analiza, szukanie błędu, winnych popełnionego błędu, tylko po to aby taka przykra sytuacja nigdy się nie powtórzyła.
W pewnym sensie rozumiem wahania takiej komisji kredytowej (każdy bank i unia ma taka), no bo z jednej strony chcą pomoc, ale czy "pomagając" jednostce nie szkodzą reszcie? No bo jak taki opuszczony i nie spłacony dom rozliczyć w "książkach". Chyba nie za pomocą "oops, sorry"?


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#14 10.02.2010 09:34:18

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

LENDERS’ COST OF FORECLOSURE POLICY PAPER
Congressional Education Series Briefing May 28, 2008

http://www.nga.org/Files/pdf/0805FORECL … RTGAGE.PDF


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#15 10.06.2010 17:15:25

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

zoomboy napisał:

Hmm, cicho jakoś?
Nikogo te sprawy nie interesują?

Czyta wielu wink


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#16 10.08.2010 06:11:24

aneczka81
Partner do rozmowy
Zarejestrowany: 02.27.2008
Posty: 74

Re: Mortgage (pozyczka hipoteczna)

Jest firma (albo byla) tutaj ktora takie wlasnie pozyczki dawala.  Bedac zainteresowana kupnem domu, trafilo mi sie zadzwonic do tych ludzi i pewien pan (nie pamietam imiona) probowal mi taka pozyczke hipoteczna sprzedac.  Taka oferte dal ze foreclosure bym w pierwszym roku miala, bo miesieczna oplata byla wielgasna, do tego procent nie z tej ziemi.  Do tego warunki jakie stawial tez byly "outrageous" i codziennie inny procent nam oferowal. Nie majac w tym doswiadczenie i myslac ze ten czlowiek chce ci pomoc (nie wiedzac lepiej) to przejrzelismy z mezem na oczy i wycofalismy sie z tej oferty.  Na szczescie nasza agetka pomogla nam znalezc druga firme ktore dosyc szybko nam zalatwila pozyczke.  Najgorsze to ze znam ludzi ktorzy do tej firmy, do tego pana poszli i wzieli pozyczke bo jedna opcja dla nich skoro sa nielegalnie.

Offline

 

#17 10.08.2010 15:00:04

ak
Niezaprzeczalna Legenda Forum
Zarejestrowany: 03.01.2007
Posty: 3134
Serwis

Re: Mortgage (pozyczka hipoteczna)

a jak ta firma sie nazywa, badz nazywala?
Dobrze wiedziec.


"Friends are flowers in the garden of life"

Offline

 

#18 10.08.2010 17:04:10

aneczka81
Partner do rozmowy
Zarejestrowany: 02.27.2008
Posty: 74

Re: Mortgage (pozyczka hipoteczna)

ak - nie pamietam ale wiem ze mieli office na Northwestern Hwy w Southfield, pozniej o uszy mi sie odbilo ze tej firmy kierownik mial jakies powiazanie z nasza uniia kredytowa, ale kto co i jak to nie wiem dokladnie...

Offline

 

#19 10.08.2010 17:23:47

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Myślę, że wiem co to za "firma" była i myślę, ze wiem kim był ten "pan".
Fale rozchodzą się w zastraszającym tempie.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#20 10.08.2010 17:34:42

aneczka81
Partner do rozmowy
Zarejestrowany: 02.27.2008
Posty: 74

Re: Mortgage (pozyczka hipoteczna)

Gostek musial wyplacic z wlasnej kieszeni $250 za appraisal naszego domu, bo wycofalismy sie z jego uslug jak zaczal krecic, a skoro zadnego oficjalnego papieru nie podpisalismy bo wiecznie zmienial warunki pozyczki to nie mial podstaw aby nas po sadach o te $250 ciagac.  Co bylo smieszne to ze jak zesmy sie wycofali, nastepnego dnia zadzwonil ze "niby" znalazl dla nas lepsza pozyczke, doslownie gra jak na targu.

Offline

 

#21 10.08.2010 19:13:20

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Gostki tak maja wink


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#22 10.16.2010 10:29:36

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

Czy ktoś zna skład tzw. "credit committee" na rok 2006.
JCP, czy znasz skład tego "ciała"?
Powyższe pytanie jest ważne pod warunkiem, że to właśnie "credit committee" przyznaje (lub odmawia) pożyczki w naszej unii.


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#23 10.17.2010 00:49:42

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

JCP, chyba nie zemdlałaś ze strachu smile


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

#24 10.17.2010 11:00:51

Matka Teresa
Totalnie Rozgadany
Od: USA
Zarejestrowany: 03.18.2009
Posty: 996

Re: Mortgage (pozyczka hipoteczna)

JCP, twoje milczenie jest bardzo niepokojące, mam nadzieje, ze nie zostałaś "kupiona".
Wszyscy w Kalkucie śledzą najnowsze wydarzenia z wielkim zainteresowaniem.


I am a little pencil in the hand of a writing God who is sending a love letter to the world.

Offline

 

#25 10.19.2010 16:00:19

Zoomboy
Legendarny Mistrz Forum
Od: USA
Zarejestrowany: 07.09.2007
Posty: 13193

Re: Mortgage (pozyczka hipoteczna)

TriopokoPL napisał:

Kiedy aplikowalem o pozyczke, poproszono o mnie o roliczenie z IRS, powiedzialem ze sie nie rozliczam bo jestem tutaj bez statusu, nie mam zielonej karty. Wtedy KK powiedzial mi ze nie trzeba  sie rozliczac zeby taki papierek miec  i potrzebny jest tylko po to aby rada dyrektoro miala podkladke na naradzie bo i tak tego nikt nie sprawdza, Wiec w latwy sposob zalatwilem takie cacuszko, down payement mialem i kredyt dostalem - to tyle. Pisze tylko prawde. Mam nadzieje ze nikogo to nie oburzy. Inna sytuacja byla gdy zapytalem (podczas rozmowy z KK ze mam klienta na dom)  to co ja mam zrobic skoro nie chcecie rozpoczac short sale. Przedstawiciel udzielil mi odpowiedzi ze nie moze nic doradzic co zaszkodziloby UNII ale rozne sposoby sa na to aby odzyskac troche pieniedzy wlozonych w dom. Jakie to sposoby?

Przeniesione z wątku porad dla dyrektorów. Najważniejsza jest "podkładka" smile

Powyższy tekst obnaża "mechanizmy" działajace wewnątrz unii.

zoomboy napisał:

Czy ktoś zna skład tzw. "credit committee" na rok 2006.
JCP, czy znasz skład tego "ciała"?

JCP jakoś dziwnie nabrała wody w usta, ale może ktoś z forumowiczów ma stara broszurę z walnego zgromadzenia członków. Tam są podane osobowe składy wszystkich "cial" w naszej unii.
Powyższe pytanie jest ważne pod warunkiem, że to właśnie "credit committee" przyznaje (lub odmawia) pożyczki w naszej unii.

Komisja kredytowa jest "ciałem" wewnątrz instytucji finansowej, która jest złożona najczęściej z kilku osób i na swoich zebraniach udziela lub odmawia kredytu poszczególnym petentom. Decyzja ta jest bazowania na podstawie przedstawionych dokumentów, które powinny być sprawdzone przez dana instytucje finansowa.
Oświadczenie pożyczkobiorcy, że komisja wiedziała "up front", ze dokumenty są nieprawdziwe, dodaje specjalnego smaku całej sprawie.
Ponawiam jeszcze raz swoje pytanie. Kto był członkiem Credit Committee w naszej unii w roku 2006?
Ilu członków tej komisji wiedziało/lub nie, że głosując za udzieleniem pożyczki #7035200-00 z dnia 27 lipca, 2006 na sumę $76,000.00 mogą naruszyć obowiązujące prawa?
Mam nadzieje, ze spotkania komisji kredytowej są uwiecznione w tzw. "minutes". Ciekaw jestem kto był za a kto przeciw? jeśli ktokolwiek był przeciw, czy zrobił(a) cokolwiek wiedząc, że dane aplikanta są sfałszowane. No chyba, że chcieli pomoc, ale ile ta pomoc będzie kosztowała nas, członków?
Ostanie pytanie na dzisiaj - ile takich pożyczek nasza unia wydala?


That’s all, folks
Przekażmy sobie znak pokoju.
Hasta la vista, Vaya con Dios
Я возвращусь, Ich werde zurück sein, Je reviendrai, Estarei de volta, Θα είμαι πίσω, I červnu se zpět, Leszek vissza, وحقوق عودة

Offline

 

Stopka forum

Powered by PunBB
© Copyright 2002–2005 Rickard Andersson
wygląd forum i administracja techniczna Bartłomiej Kozielski
kontakt z właścicielem i administratorem strony forumdetroit@gmail.com