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SBA lender oversight  : preventing loan fraud and improving regulation of lenders

SBA lender oversight  : preventing loan fraud and improving regulation of lenders

SBA lender oversight  : preventing loan fraud and improving regulation of lenders

SBA lender oversight  : preventing loan fraud and improving regulation of lenders : hearing before the Committee on Small Business and Entrepreneurship, United States Senate, One Hundred Tenth Congress, first session, November 13, 2007.

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All You Need to Know about SBA Loans… from a Lender… : How to Navigate…

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All You Need To Know About SBA Loans… from a Lender…

All You Need To Know About SBA Loans… from a Lender…

All You Need To Know About SBA Loans... from a Lender...

So you are starting your own business or looking for money to expand? Most banks will “push you” towards the SBA Department because of the risks involved in starting a business. Most likely you have to use projections to estimate your future cash flow. This guide will help you gather enough information to succeed in obtaining an SBA loan.

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How To Pre-Qualify Yourself For A Mortgage In 5 Easy Steps: Know What You Need to Prove to Get a Loan (Before You Talk to a Lender)

How To Pre-Qualify Yourself For A Mortgage In 5 Easy Steps: Know What You Need to Prove to Get a Loan (Before You Talk to a Lender)

How To Pre-Qualify Yourself For A Mortgage In 5 Easy Steps: Know What You Need to Prove to Get a Loan (Before You Talk to a Lender)

How To Pre-Qualify Yourself For A Mortgage In 5 Easy Steps will give you the knowledge and tools to take control of the loan application process by going into it extremely prepared–by pre-qualifying YOURSELF before you ever meet with a lender.

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Mortgage Refinancing: 5 Mortgage Loan Secrets You Need to Know Before Talking with a Lender (Mortgage Finance)

Mortgage Refinancing: 5 Mortgage Loan Secrets You Need to Know Before Talking with a Lender (Mortgage Finance)

Mortgage Refinancing: 5 Mortgage Loan Secrets You Need to Know Before Talking with a Lender (Mortgage Finance)

Mortgage Refinancing: 5 Mortgage Loan Secrets You Need to know Before Talking with a Lender

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SBA Default: Is an OIC required for your SBA lender to release a lien on your home?

In a word: sometimes.  There are cases when an OIC is required, and times when an OIC is not needed.  So what does it depend on?  In most cases, it depends on whether or not you are personally liable to the SBA loan.

When An OIC Is Required

If you had a business that closed, and all the assets have been liquidated, you should in theory be eligible for an OIC (some other conditions must be present).  If you signed a personal guarantee and want to be released from that guarantee, the SBA requires that you submit an OIC, which requires full financial disclosure.  If you pledged your home as collateral for your SBA loan, then you would ask for the lien release as part of an Offer In Compromise. In this case, the OIC is required because are still personally liable for the loan, therefore how strong or weak you are financially does matter.

When An OIC Is Not Required

If you did not personally guarantee your SBA loan (highly unlikely), or if you filed for Chapter 7 personal bankruptcy (much more common) and were discharged, then you are not personally responsible for repayment of the SBA loan.  That said, a bankruptcy discharge does NOT result in the release of liens on real estate.  The only way for a lien release to happen is for the lender to agree to a lien release.

Most lenders will agree to consider a lien release, but in a case when you are not personally liable, your lender should not be requiring you to submit an OIC (and the associated paperwork).  Why?  Since you are not personally liable, your personal financial situation should not matter.  All that should matter is how much equity is in the home.  The lender should be making a business decision: is the offer you are making in exchange for the lien release going to result in the same amount of cash that they would expect in a foreclosure scenario?

Distressed Loan Advisors (http://www.JasonTees.com) offers expert advice about dealing with SBA Loan Default, and can be reached at 1-877-436-4533 or loanhelp@jasontees.com.

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In Foreclosure & Need to Refinance? Your Current Lender May Help Refinance

If you’re in foreclosure and need to refinance, check with your current lender first. The most important thing is to take action. If you get started on the process early enough you have a very good chance of stopping foreclosure and saving your home. Understand, that if you truly can’t afford your home, you need to come up with other options including selling and purchasing a smaller home. But if your current financial difficulties came about as a result of a temporary financial setback, by taking action you are making progress to get yourself back on track.

In foreclosure means that you have missed some payments on your mortgage, and the bank has started the process to take over your property. In some cases this may take up to a year for the final gavel to be dropped and for you to lose your home. Keep in mind that the bank does not want to go through this process. Every home on their books is a liability, so they want you to stay in the house and make payments, and they will work with you to do this. Especially now during this time because there are so many people facing foreclosure.

Many people in foreclosure need to refinance so that they can get payments that are more affordable. Many times people get caught up in an adjustable rate mortgage, or a balloon payment and can not make those payments. If you have at least 30% equity in your home, you have a very good chance of refinancing and putting a stop to the foreclosure process. But you must act quickly.

When you’re in foreclosure the need to refinance may seem great. But there are other options. You may be able to take out a second mortgage that would cover the back payments and late fees which would allow you to get caught up. Sometimes these are called foreclosure loans. These loans may have a high interest rate and a very short-term, of 2 to 5 years, but it allows you to get back on track.

As I said earlier, you must act quickly. Once you become more than 90 days late on your mortgage, most lenders will not consider any type of financing for you. But then there are still other options. A loan modification is only initiated after your account has become seriously delinquent. there are also private lenders and companies that specifically work with people who can no longer go to a traditional lender.

You must do research to find these lenders. It may take a bit of effort on your part but the question is how bad do you want to keep your home. Find out what you need to do if you’re in foreclosure and need to refinance.

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SBA Loan Bankruptcy: Does Your Lender Care If You File?

Quite often, when I am discussing a settlement proposal with a client, my client will say something to the effect of “tell them that if they don’t take my offer, I will file for bankruptcy and they will get nothing.”

My reaction to that idea is always the same: “Hold on there, Cowboy”.

While bankruptcy is certainly a tool that can be used to legally discharge debt, it doesn’t mean that all lenders will tremble in fear when they hear the word.  In many cases, it is quite the opposite.  In a nutshell, many workout officers do not care if you file for personal chapter 7 bankruptcy.

Why don’t they care?  There are two main reasons:

1) If you file for and are discharged from personal chapter 7 bankruptcy, the bank no longer has the legal right to attempt to collect from you.  In practical terms, it means that the workout officer can turn their attention to one of their other 100 files.  And as a former workout officer, I can tell you that having one less delinquent loan to chase was just fine with me.

2) Most lenders do their own analysis of the situation, and if they think you can pay more than you are offering, they will reject the offer regardless of a bankruptcy threat.  I can tell you that if I gave a borrower a “sweetheart” settlement when I was a workout officer, and was questioned about it later, the excuse that the borrower threatened to file for BK would not going over well.

So, do banks want to force you into bankruptcy instead of settling? No, not usually.  With that said, workout officers are human beings with stressful jobs in a corporate environment.  For most, that means they would be delighted to get rid of your file with as little time and effort as possible.  And guess what, bankruptcy does just that!

The final point to ponder is that while most workout officer aren’t attorneys, many have a feel for who might actually qualify for personal chapter 7 bankruptcy.  For those who are not aware, not everyone can file for chapter 7, you actually need to qualify based on your assets and income situation.  If you look pretty strong on paper, many lenders will know that your threat to file for BK is a bluff, and they will not even blink.

At the end of the day, will the threat of filing for bankruptcy hurt you?  Probably not.  Just don’t expect your lender to say “Please, don’t file for BK.  Anything but that!  We’ll make a deal, we promise!”

Distressed Loan Advisors (http://www.JasonTees.com) offers expert advice about dealing with SBA Loan Default, and can be reached at 1-877-436-4533 or loanhelp@jasontees.com.

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