C Thompson Sr. Loss Mitigation Specialist

Thanksgiving is here and while many families are preparing for the "big meal", there are millions who are not. For those of you out there who are fighting just to keep your lights on, or to make that mortgage payment that is past due, try to keep your perspectives in place. I know it's hard when you have children who are looking forward to the holidays and expecting holiday rituals to take place. This is the time to explain to them what is most important. You can still have a nice meal and enjoy the precious time you have with your family.

Being able to share this valuable time with your beloved family members is essential. Even amidst all of your financial struggles right now, you still have your husband, or maybe your children to be thankful for. Spend this time of the year wisely. Talk to your kids and explain to them what is really meaningful or valuable. Life, friends, family. Enjoy playing board games, cards, or watching old movies, and snuggling. How about telling stories and reminiscing?

Below are some great websites that provide free fun stuff ideas. Towards the bottom of this blog, you will find that maybe you can afford a Thanksgiving meal after all....

Arts and Crafts for Everyone! This site contains other activities as well.

More games and craft ideas- More Family Fun!

Party Games and Ideas for All Ages!!

Creative Ideas For The Littles Ones to Make and Do!

Head Start For Pre-Schoolers- Works Great For My Son

Great Ideas For Married Couples!

Fun Things to Do Online for The Singles!

More Fun Ideas For Singles Offline!!

My Favorite Recipe Site! Cooking can be great therapy! (and eating it too!)

Ideas for Affordable Thanksgiving dinner: Family of 4

1 Whole chicken- $6

Turkey Gravy in a can is best- $1 (gives you that turkey taste!)

2 Canned generic Veggies- $1

Yams on sale at Walmart 25 cents per pound - $1

Instant Russet Potatoes- $1.50

Boxed Mac and Cheese- $1

Bisquik mix for Rolls- $1.50

2 Generic Sodas- $1.50

1 Box of generic Stuffing (turkey flavor) -$1

Bake a cake for dessert (cake + icing) -$2

Total- $17.50

All of the above you can season to how you like it or add ingredients to them to doctor them up. Be creative, it's Thanksgiving!

Hint- Check your cheaper grocery stores: example- Walmart Superstore, Save-A-Lot- you may be surprised at all of the sales.

I hope this is helpful information, and just remember to enjoy the holidays and appreciate the things that you do have rather then fretting about what you don't have. Material items come and go but family and love always remains!

God Bless you and have a wonderful Thanksgiving!

Note- if you have any other ideas for affordable meals please comment and let others know!

Acing Your Next Job Interview

Going to a job interview can be a terrifying venture. How can you make a great impression? A little practice generally helps triumph with a job interview. Before you go through the door to your potential workplace, though, you will have to set some time aside and look over your resume. Doing this is often the most important step in the job interview process. Proper English is taken note of and generally will move your resume to the top and moving you towardsthat necessary primary job interview.

Once you've secured the interview you will want to make the effort to look as good as your resume. Most of you may not have the resources to buy a new wardrobe, but you probably won't need it. Take a look at your clothes and mix and match. Sometimes an accessory, like a tie can make all the difference. Leaving your suit with the local laundromat can only make sure that your outfit looks coordinated as can be.

Many people are nervous just before a job interview. Thankfully, there are some basic things you can use to work through your feelings. Take some deep breaths and recite the alphabet prior to going to the job interview. This will center you and prepare you for the job interview.

Most of us — at least those of us not in the oil business — have been enjoying the recent drastic reduction in prices at the gas pumps.

We had better enjoy them while we can — our close friends in OPEC have already held an “emergency meeting” to cut production lest the prices drop even lower.

Horrors! They will only be able to buy four Bentelys and two yachts instead of half a dozen Bentleys and three yachts.

And the big multi-national corporations will only be up to their belly buttons instead of their armpits in money.

Greed is what drove those prices up, just as greed is what got Wall Street into trouble.

Those of you who were around for the fuel crisis of the 1970s can remember escalating prices, an OPEC embargo and near-rationing conditions.

We know the name of the game, and the game is get as much as you can for as long as you can.



If one of us hard working folks goes broke, the big money boys come in and repossess the car, foreclose on the house and nail us to the wall.

Maybe they should get a taste of their own medicine.

It’s high time something was done about overregulated, overpriced diesel fuel.

While the drop in diesel prices was a relief for farmers, the fall in corn prices that came with it was a kick in the teeth for them.

All of us, are pretty satisfied with the current gas prices. But about 10 years ago we would have thought today's prices were extermely steep.

We need to reduce our oil addiction ourselves by working harder on alternative energy sources and domestic sources of oil and natural gas.

Think of us as overweight and needing diet and exercise — diet being cutting down on fuel use and exercise being working on those domestic and alternative energy sources.

Loss Mitigation is a method used to avoid foreclosure by negotiating the mortgage terms for the distressed homeowner. It is used to describe either a third party assisting the homeowner, a department in the bank that mitigates the loss of the bank, or a law firm that negotiates with the lender on the homeowner's behalf. The new loan terms can be obtained through loan modification, a loan work out, partial claim, deed in lieu, cash for keys, short sale, or short refi. These options were developed to allow the homeowner to either prevent the foreclosure and/or to afford the new terms. All of the terms above serve the same purpose: to balance the risk of loss to the lender.

Most folks want to stay in their home, therefore, the most popular option for the distressed homeowner is loan modification. This is the process where the homeowner's mortgage is modified (changed) and both the lender and homeowner are in aggreeance with the new terms. This allows the homeowner to stay in their home and afford the new monthly payment. On the other hand, lenders benefit by mitigating the losses they would incur through foreclosing on the homeowner. Loss mitigation allows the lender to take a less of a loss now in order to avoid a much greater loss caused by a foreclosure. Most loan modifications result in lowered interest rates, reducing the principle balance, fixing adjustable rates, stretching out the loan term, moving past due payments to the end of the loan term, or any combination of these.

I am a Case Mgr at Save my Home USA, and I focus on helping people avoid foreclosure through loan modification methods. We have a team of Attorneys, underwriters, and case managers with combined experience of over 30 years. We have a flawless record, accredited members of the BBB, and have been in business for 5 years. Our success rate is high because of our close relationships with many lenders, and our persistence to help save our clients homes.

This is not just a job for me, this is my passion. My heart and soul goes into every one of my clients. I am honest, compassionate and caring and want to help! I am on a mission and am looking forward to the day when I can say, " I took part in ending the foreclosure crisis." You are not alone. This is kind of awkward to admit on a blog, but, I lost my home to foreclosure 9 years ago. I was a single mom and lost my job. There was no help for me back then. But today there is help. It is up to you to take the first, most important step and ask for it. Don't be embarrassed or ashamed to talk about what your going through. Call me and allow me to help you.

Please see below for some of my very informative blogs.

How to Avoid Loan Modification Scams

How to choose an Honest Loan Modification Company

Investors Facing Foreclosure

Why won't my lender work with me?

My Website( you can apply for a pre- approval here)

Loan Modification FAQs.

Testimonials

"Owning a home is one of life's greatest accomplishments. And being faced with losing it is one of the most devastating and frightening experiences anyone can ever imagine. Save My Home USAhelped us survive this ordeal and assisted us in obtaining the desired resolution - saving our home. They handled us in a judgement free manner and with a level of humanity and compassion which we have never experienced before during any type of business transaction."

Maria k - Miami, FL

We needed some help stopping our foreclosure and with our overdue mortgage payments. You stopped our foreclosure in less then a week and helped catch-up our back payments. I also want to thank the United Way for recommending them; otherwise we would have lost our home. I would recommend your services to all of my family and friends!

God Bless You!

Elsa Sanchez and Family
Lubbock, Texas

From the initial meeting through the follow-up conversations to after closing our case, your office has been a very professional organization providing honest opinions (both pros and cons) and strategies for the workout solution all with a low pressure atmosphere. I would highly recommend anyone looking to get help with their mortgage problems to at least contact you guys before signing a contract with any other counseling company or even their lender. You will be glad you did.

Chris Smalls, VA

I couldn't have been more pleased or impressed with your Agency. The intricacies of the counseling process, with my lender and the government and me were handled fairly and adeptly. If I had to single out what impressed me the most I would have to say that it was the refreshing frankness of our discourse. Your counselors are straight shooters. They didn't candy-coat the trials and tribulations of rectifying my mortgage delinquency; rather realistically explained the possible frustrations and satisfactions that accompany this sort of undertaking. I will certainly recommend your office to others.

Ann Forrest, Jamestown, NY

Our attempt to handle or mortgage problem ourselves proved to be inadequate and frustrating. After months of confusion and misdirection, we contacted your counseling agency. To this day, we consider ourselves lucky we did. From the beginning to the end it was a pleasant and professional experience. The cost and procedures of saving a home from foreclosure were clearly reviewed. Recommendations were made and explained, but the final decisions were left up to us. Every contingency was anticipated and planned for. The entire operation was professionally organized and conducted. The workout program and closing of our file was amicable and effortless. The end result was a clean smooth process with little or no problems. We are amazed at the quick resolution involving the entire case. Without hesitation we would use your services again.

R B. Johnson, PA

Falling behind on a home and then trying to save it is frightening. The home owner is vulnerable to dishonest lenders and investors posing as a phony counseling agency. It is a high stakes venture into the unknown. Two qualities in a housing office are absolutely indispensable; Trust and Competence. I hold your counseling office to be first class in both qualities. I found them to be both trustworthy and competent professionals. What difference does it make which counseling office I choose? Well, the difference between losing my home and keeping it; between a housing counselor who is ill-suited to succeed and a housing counselor with a high probability for success. Of course, this all brings us back to Trust and Competence. When the time ever comes again that I need help with my mortgage problems, I'll call your office right away...

Kyle Evans, Buffalo, NY

Hi everyone and thank you for visiting my blog! I would like to introduce myself as your #1 Florida resource for foreclosure prevention. I am a case manager with Save My Home USA. Save My Home USA is a structured, organized, state of the art, company that delivers nothing but excellence. We are accredited members of the BBB and have 30 years of combined experience. Our devoted team consists of experienced, knowledgeable case managers, underwriters and attorneys. Our goal is to prevent as many foreclosures as possible by providing alternative solutions such as loan modifications.

Florida has the 3rd highest rate of foreclosures in the US. From September of 2008 to October of 2008 there was a 13% increase. 1 out of 157 homes receives a foreclosure notice in the state of Florida. A total of 54,324 Florida properties received a foreclosure filing during the month of October. And an increase of nearly 80 percent from October 2007. Four Florida metro areas posted foreclosure rates that ranked among the top 10 in October, led by Cape Coral-Fort Myers and Miami in the numbers 2 and 3 spots respectively. Other Florida cities in the top 10 were Fort Lauderdale at number 8 and Orlando at number 10. These numbers are staggering and still climbing.

Based on the statistics above it is important that you know your options and know them well. One of the most popular options is obtaining a loan modification which means changing your term, rate, principle balance, and/or bringing your account current. Most folks will turn to their lender first which seems to be useless based on my conversations with just about every one of my clients. The lenders are so overwhelmed with all of the foreclosures, and not enough staff to handle them. Of course they would prefer for you to stay in your home, rather than foreclosing. Banks are shutting down left and right because of all the foreclosures.

When hiring Save My Home USA to represent and negotiate on your behalf, the outcome is much better. We have relationships with most lenders and have built a trusting relationship with them. The modification is complete with in 120 days, or less. We also can place the foreclosure process on pause so that you don't lose your home during the negotiation stages. We pride ourselves with our extremely high success rate of 98%. Our fees are very competitive and I have found throughout research, that you get more bang for your buck as well. We are 1 of the few legit loan mod companies and have been in business for 5 years. Not many loan modification companies can say the same. Our credentials speak for themselves. Feel free to check us out with the BBB, FTC, CPA, and other reliable sources.

I am a local Floridian and reside just outside of Orlando. I would like to help as many of my neighbors as possible who are facing a financial hardship, by providing solutions to keeping their property. As a Christian, I have a responsibility to be completely honest and to provide you with top notch services. I firmly believe that whoever contacts me for help was sent from God therefore it is expected of me to take care of them. This is not just a job for me, this is my passion. My heart and soul goes into every one of my clients. Everyone has their own special, unique situation, and each is treated with diligence, honesty, and compassion. I withhold no information and give you everything you need to make an informed decision, including the positive and negative of a loan modification. Whether you receive help from me, or someone else, what matters is you are getting help and I hope to be a part of your solution by providing you with useful tips, resources, and exceptional service.

Important Informative Links

How to Avoid Loan Modification Scams

How to choose an Honest Loan Modification Company

Investors Facing Foreclosure

Why won't my lender work with me?

My Website( you can apply for a pre- approval here)

Loan Modification FAQs.

If you have any questions or would like to apply for a loan modification feel free to contact me:

C Thompson

Save My Home USA

Case Manager

407-219-8739

cthompson@keepyourproperty.info