Foreclosure Newsflash - Yahoo News

In Foreclosureville, USA, so much change
Stockton hardly looks like the most miserable city in the country. But the statistics and stories over the last two years make a case that it is: Since the housing crisis began, this inland port city 80 miles east of San Francisco has had one of the worst foreclosure rates in the country _ for most of the time, the worst. At the height of it, about 1 in 10 houses fell to foreclosure. Houses that ...

January 2009 Mortgage Minute - California

Books on Stopping Foreclosure

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $1.41 Used From: $1.41 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.20 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $10.95 Used From: $8.01 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $9.98 Used From: $0.01 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	All States - Stop Foreclosure - Foreclosure Defense Package #4 (Motion to Dismiss for Fraud, Examples of Fraud Upon the Court) Sale Price: $39.95
	Has the Bank filed a fraudulent assignment of mortgage? Stop your foreclosure instantly with a motion to dismiss for fraud upon the court. See examples of banks filing fraudulent documents. Fight Back and Win - Why pay lawyers? Do it yourself, save money and save your home...

	No Pierda Su Casa Stop Foreclosure: Aqui Esta Todo Lo Que Ud. Debe Saber (Spanish Edition) List Price: $19.00 Sale Price: $19.00 Used From: $43.36 Average Rating:
	This book is about how to avoid foreclosure

	Stop Foreclosure: The Authoritative Florida Foreclosure Help Guide Sale Price: $69.95
	Florida specific forms and pleadings to prevent or avoid foreclosure. Loan Modifications, Short Sales and foreclosure prevention strategies are fully explained. Save your home. Written by attorneys. Do it yourself or arm yourself with the knowledge to fight back before speaking to a foreclosure attorney! TESTED AND PROVEN DEFENSES TO HELP YOU GET OUT OF FORECLOSURE - GUARANTEED...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

	All States - Stop Foreclosure - Foreclosure Defense Package #6 - Defendants Response to Plaintiff's Motion to Summary Judgement - All Forms Included Sale Price: $39.95
	Has the bank filed for summary judgment? Included is a response to the banks motion complete with all forms and argument. Act Now - Save money and save your home. XL-FMEB-6WQT

	All States - Stop Foreclosure - Foreclosure Defense Package #3 (Complete & Enhanced Discovery Materials) - All Forms Included Sale Price: $39.95
	A complete comprehensive package of discovery material for foreclosure matters including: Written Interrogatories for Standing, Assignment, Lost Note, Evidence Mers and More; 145 Questions. Request for Admissions for Standing, Assignment, Lost Note, Evidence Mers and More; 127 Requests...

Foreclosure Newsflash - Yahoo News

Swanson to continue fight for foreclosure mediation law
Attorney General Lori Swanson is again calling for a statewide mediation process for Minnesotans facing home foreclosure.

Save your home from foreclosure! Compass Loan Mediation FAQ7

Books on Stopping Foreclosure

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $1.41 Used From: $1.41 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.20 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $10.95 Used From: $8.01 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $9.98 Used From: $0.01 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	All States - Stop Foreclosure - Foreclosure Defense Package #4 (Motion to Dismiss for Fraud, Examples of Fraud Upon the Court) Sale Price: $39.95
	Has the Bank filed a fraudulent assignment of mortgage? Stop your foreclosure instantly with a motion to dismiss for fraud upon the court. See examples of banks filing fraudulent documents. Fight Back and Win - Why pay lawyers? Do it yourself, save money and save your home...

	No Pierda Su Casa Stop Foreclosure: Aqui Esta Todo Lo Que Ud. Debe Saber (Spanish Edition) List Price: $19.00 Sale Price: $19.00 Used From: $43.36 Average Rating:
	This book is about how to avoid foreclosure

	Stop Foreclosure: The Authoritative Florida Foreclosure Help Guide Sale Price: $69.95
	Florida specific forms and pleadings to prevent or avoid foreclosure. Loan Modifications, Short Sales and foreclosure prevention strategies are fully explained. Save your home. Written by attorneys. Do it yourself or arm yourself with the knowledge to fight back before speaking to a foreclosure attorney! TESTED AND PROVEN DEFENSES TO HELP YOU GET OUT OF FORECLOSURE - GUARANTEED...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

	All States - Stop Foreclosure - Foreclosure Defense Package #6 - Defendants Response to Plaintiff's Motion to Summary Judgement - All Forms Included Sale Price: $39.95
	Has the bank filed for summary judgment? Included is a response to the banks motion complete with all forms and argument. Act Now - Save money and save your home. XL-FMEB-6WQT

	All States - Stop Foreclosure - Foreclosure Defense Package #3 (Complete & Enhanced Discovery Materials) - All Forms Included Sale Price: $39.95
	A complete comprehensive package of discovery material for foreclosure matters including: Written Interrogatories for Standing, Assignment, Lost Note, Evidence Mers and More; 145 Questions. Request for Admissions for Standing, Assignment, Lost Note, Evidence Mers and More; 127 Requests...

Foreclosure Newsflash - Yahoo News

Stockton, California Is Foreclosureville, USA, Has One Of The Worst Foreclosure Rates In The United Sates
What's Your Reaction? STOCKTON, Calif. — Stockton hardly looks like the most miserable city in the country.

San Diego Speaks: Home Foreclosures

Books on Stopping Foreclosure

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $1.41 Used From: $1.41 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.20 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $10.95 Used From: $8.01 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $9.98 Used From: $0.01 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	All States - Stop Foreclosure - Foreclosure Defense Package #4 (Motion to Dismiss for Fraud, Examples of Fraud Upon the Court) Sale Price: $39.95
	Has the Bank filed a fraudulent assignment of mortgage? Stop your foreclosure instantly with a motion to dismiss for fraud upon the court. See examples of banks filing fraudulent documents. Fight Back and Win - Why pay lawyers? Do it yourself, save money and save your home...

	No Pierda Su Casa Stop Foreclosure: Aqui Esta Todo Lo Que Ud. Debe Saber (Spanish Edition) List Price: $19.00 Sale Price: $19.00 Used From: $43.36 Average Rating:
	This book is about how to avoid foreclosure

	Stop Foreclosure: The Authoritative Florida Foreclosure Help Guide Sale Price: $69.95
	Florida specific forms and pleadings to prevent or avoid foreclosure. Loan Modifications, Short Sales and foreclosure prevention strategies are fully explained. Save your home. Written by attorneys. Do it yourself or arm yourself with the knowledge to fight back before speaking to a foreclosure attorney! TESTED AND PROVEN DEFENSES TO HELP YOU GET OUT OF FORECLOSURE - GUARANTEED...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

	All States - Stop Foreclosure - Foreclosure Defense Package #6 - Defendants Response to Plaintiff's Motion to Summary Judgement - All Forms Included Sale Price: $39.95
	Has the bank filed for summary judgment? Included is a response to the banks motion complete with all forms and argument. Act Now - Save money and save your home. XL-FMEB-6WQT

	All States - Stop Foreclosure - Foreclosure Defense Package #3 (Complete & Enhanced Discovery Materials) - All Forms Included Sale Price: $39.95
	A complete comprehensive package of discovery material for foreclosure matters including: Written Interrogatories for Standing, Assignment, Lost Note, Evidence Mers and More; 145 Questions. Request for Admissions for Standing, Assignment, Lost Note, Evidence Mers and More; 127 Requests...

Homeowners just like you might be able to get a mortgage loan modification under Obama's federal plan. Most banks and lenders are ready and willing to process all applications for this program, the beauty of which is its aggressive nature when it comes to loan negotiations and powerful incentives to motivate the lender to approve applications. Know all there is to know about this plan before you start calling or writing your bank so you will maximize your chances of approval.

$75 billion has been put aside for this program, an amount that will hopefully help almost 5 million homeowners in the United States. This article lists some important and helpful tips that will increase your chances of getting approved for a lower monthly mortgage payment.

This new plan was created for the purpose of qualifying as many homeowners as possible. The guidelines for approval are very clear-cut. The secret is preparing properly so your application is considered and possibly approved. Here are the basic qualifications:

* You must have negotiated your mortgage before 2009
* You loan must be for $729,750 or less (some plans have a higher limit)
* You must live in your home
* Your monthly payments must be over 31% of your income (including all taxes, insurance or dues)
* This must be your first mortgage

If you meet these requirements, you have a very good chance of being approved under Obama's new loan modification plan. Lending institutions are not required to participate in this program, but most are. There is a very high incentive payment for each loan modification that is approved. Homeowners who make their payments on time will get a $1,000/year payment, applied directly to their mortgage principal, for up to five years.

Interested homeowners must complete an application and prove their income. A financial hardship letter is also a required part of the package as is a statement of all your current expenses. How you fill out your application has a lot of influence in getting a modification. It is vital you complete it well so work carefully, slowly, asking questions if needed and be very thorough.

Qualifying homeowners will have their new mortgage payments reduced to just 31% of their income. The interest rate may be reduced to as little as 2% and the term of the loan can be extended to 40 years. Some principal might be deferred.

The federal terms are one of the most aggressive mortgage loan modification options for homeowners today. These terms were created to give homeowners a manageable monthly payment during this time of economic crisis. If you want to apply for this plan, you need to complete your loan modification applications correctly. To improve your plans of being approved, read the forms carefully, ask questions of you need to know something not matter how small. This is a second chance for homeowners who are trying to avoid foreclosure. Being well prepared can make the difference between approval or rejection.

For essential tips and facts about how to get approved for a Loan Modification, Visit our simple, no nonsense loan modification guide and resource: http://MortgageModificationLoan.net/

President Obama's "Making Home Affordable" plan will help an estimated 9 million homeowners get a more affordable monthly mortgage payment. This is done through $75 billion in funding which will be given to mortgage lenders and banks to minimize any potential loss they may have from approving "at risk" and "financially struggling" homeowners for refinancing or mortgage modification. Here is how it works:

-Homeowners can get refinancing or home loan modification in order to get a reduced monthly payment, extended loan terms, or lowered interest.

-The guidelines of this plan call for a homeowner to not have to pay more than 31% of their income towards their monthly home loan. While this may seem like a lot, to many homeowners it is a big reduction. Currently, a lot of the "struggling" homeowners are in a bad mortgage, or pay 50% or more of their income towards their mortgage.

-Homeowners with a mortgage from Fannie Mae or Freddie Mac are automatically eligible for a home loan modification. This mortgage modification will only help homeowners who pay more than 31% of their gross monthly income towards their home.

-Homes which have dropped in value can still get approval for refinancing or modification. This plan allows homeowners with property that has dropped in value as a result of the bad housing market and tough economy. Before this plan, a home which dropped in value had little chance of getting approved for refinancing or mortgage modification.

-Homeowners in a bad mortgage, and who owe up to 5% more than the homes market value, can get refinancing. These homeowners had no chance at approval prior to this Obama housing stimulus.

Mortgage refinancing or modification are great options for millions of struggling homeowners. This new mortgage stimulus plan will help many people keep their homes, and not lose them to foreclosure or mortgage default. If your a homeowner you need to take advantage of this plan now, before it is too late.

At my site I will teach you how to properly refinance or modify a home mortgage saving you thousands of dollars, or even your home. A lot of Greedy Mortgage Lenders will try to suck you dry if you let them. Learn the right way to refinance or modify your home loan at my site: http://www.refinancingcondo.com.

Foreclosure Newsflash - Yahoo News

Home buyer's dispatch: Buyers walk away
We bailed out. Maybe we wimped out. We finally backed out. But no one seems to be able to help us out. As documented last month , my girlfriend (who, as of New Year's Eve, can be called my fiancée) and I were attempting to buy a townhouse to be closer to our jobs in the D.C. area.

Short Sale: Avoid Foreclosure and Bankruptcy ... Know your options!

Books on Stopping Foreclosure

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $1.41 Used From: $1.41 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.20 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $10.95 Used From: $8.01 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $9.98 Used From: $0.01 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	All States - Stop Foreclosure - Foreclosure Defense Package #4 (Motion to Dismiss for Fraud, Examples of Fraud Upon the Court) Sale Price: $39.95
	Has the Bank filed a fraudulent assignment of mortgage? Stop your foreclosure instantly with a motion to dismiss for fraud upon the court. See examples of banks filing fraudulent documents. Fight Back and Win - Why pay lawyers? Do it yourself, save money and save your home...

	No Pierda Su Casa Stop Foreclosure: Aqui Esta Todo Lo Que Ud. Debe Saber (Spanish Edition) List Price: $19.00 Sale Price: $19.00 Used From: $43.36 Average Rating:
	This book is about how to avoid foreclosure

	Stop Foreclosure: The Authoritative Florida Foreclosure Help Guide Sale Price: $69.95
	Florida specific forms and pleadings to prevent or avoid foreclosure. Loan Modifications, Short Sales and foreclosure prevention strategies are fully explained. Save your home. Written by attorneys. Do it yourself or arm yourself with the knowledge to fight back before speaking to a foreclosure attorney! TESTED AND PROVEN DEFENSES TO HELP YOU GET OUT OF FORECLOSURE - GUARANTEED...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

	All States - Stop Foreclosure - Foreclosure Defense Package #6 - Defendants Response to Plaintiff's Motion to Summary Judgement - All Forms Included Sale Price: $39.95
	Has the bank filed for summary judgment? Included is a response to the banks motion complete with all forms and argument. Act Now - Save money and save your home. XL-FMEB-6WQT

	All States - Stop Foreclosure - Foreclosure Defense Package #3 (Complete & Enhanced Discovery Materials) - All Forms Included Sale Price: $39.95
	A complete comprehensive package of discovery material for foreclosure matters including: Written Interrogatories for Standing, Assignment, Lost Note, Evidence Mers and More; 145 Questions. Request for Admissions for Standing, Assignment, Lost Note, Evidence Mers and More; 127 Requests...

Obama's Loan Modification Plan is intended to aid homeowners with home loan modification or refinancing for more manageable mortgage payments.

Sadly a bulk of the money goes to the banks and they're not bound to heed. Only people who are up-to-date on their mortgage and whose loans are through Fannie Mae and Freddie Mac are eligible for Obama's Loan Modification Plan. The plan is leaving millions of U.S. homeowners in danger of dealing with foreclosure susceptible & out of the plan.

Here are a few general routine precepts for basic eligibility for this program:

1. You must be living in the home

2. Not applicable to 2nd mortgages

3. You must show proof of income

4. Your current home loan must be 31% or more of your gross monthly income

As many as 6 million families are projected to face foreclosure in the next couple of years.

The scathing and fast paced recession and the housing market has produced adverse consequences for homeowners throughout the America. Millions of reliable families who pay their monthly mortgage payments punctually have had the value of their property dramatically fall and consequently are now incapable to refinance to lower mortgage rates. Meanwhile, millions of working people in the US are having difficulty staying current on their mortgage payments after being laid off or downsized. In the last 14 months alone more than five million jobs have been eliminated and millions of hard working families are now concentrating more than 40 or 50 percent of their income towards their monthly mortgage payment.

How To Modify A Loan

When a loan modification application is turned in by a homeowner, it is carefully analyzed to decide the profitability to the investor or the possibility of loss. The "Net Present Value Test" is used to decide what will provide more cash flow to the investor-Foreclosure or Modification. The homeowner's best interest is not part of the decision making process. It is purely based on what is more financially beneficial to the investor. If modification is not in the favor of the investor, they will deny your application.

As such, homeowners are able to get legal assistance. For more information regarding Home Loan Modification Please call Janian and Associates at 877-369-4529 or visit: JanianAndAssociates.com to speak with a Loan Modification Attorney.

When a family loses their home, they lose so much more than just a place to live. Dreams of all kinds revolve around your home; the Home Stimulus Package is a bail-out for a family's dreams.

President Obama has signed a bill providing 75 billion dollars in stimulus money to help homeowners who are quite close to foreclosure. This program is part of the bigger picture; it is hoped it will stimulate the economy and the housing market in particular.

But, this federal program is also saving a lot of families from seeing their hopes and dreams crashed during this very dismal economic period. Average people have most, if not all, of their financial future tied up in their home, of course. But, people have so much more tied up in their home, many times. Their plans for the future, their involvement in their community and neighborhood schools, and many other life plans and goals center around their home.

This program gives the bank a financial incentive to help qualified homeowners obtain a loan modification to avoid foreclosure. The loan is completely reworked so that the payment is much lower.

People who have been victims of financial circumstances beyond their control are described as being in financial hardship. This is one of the requirements to qualify for a federal loan modification under this plan. Of course, there are other qualification criteria, but this is the type of homeowner this loan modification program is targeted toward.

After obtaining a reworked mortgage and receiving another chance at home ownership, families have more expendable income each month for other needs since their house payment is reduced. This program usually raises their standard of living, too.

To get help right away, click here for more information about the home stimulus package.

For the last few years, cleaning businesses have dominated the list of best small business opportunities for those looking to become self employed. Below is a host of reasons why. But first, let's get to some hard and fast numbers about why foreclosure cleaning is a smart business choice -- no matter what the economy is doing.

More Foreclosures Coming in 2010; Maybe Even Topping 2009 Numbers

The foreclosure crisis started in the fall of 2007. It was largely driven by subprime mortgages, ie, mortgages given to those with marginal credit who started to default on those loans.

Fast forward to 2009. Now, home foreclosures are largely driven by a loss of jobs. Currently, unemployment in America stands at 10.2 percent. This is the most widespread it's been for 26 years. This means homeowners who had no part in the subprime mortgage mess are starting to lose their homes.

Proof?

A Nov 19, 2009 article in the LA Times, Mortgage delinquencies, foreclosures, hit a new high states:

"One in seven U.S. home loans were past due or in foreclosure during the third quarter [2009], the Mortgage Bankers Assn. said... Consistent with recent quarterly delinquency surveys from the trade group, today's report blamed job losses, not tricky adjustable-rate loans, for causing most of the pain."

In a separate article on the same day, Foreclosures hitting more people with prime loans, the paper noted:

"About 4 million homeowners were either in foreclosure or at least three months behind on their mortgage payments as of September [2009], according to the mortgage bankers group."

According to the Mortgage Bankers Association, foreclosures are likely to surge right on through the end of next year. And it makes sense. Until the economy starts to: (i) stop bleeding jobs; (ii) create new jobs; and (iii) more Americans dig out of debit, this crisis will be with us, unfortunately, for some times to come.

And, this means opportunity for those who've always dreamed of owning a business.

Why Foreclosure Clean Up Is a Smart Small Business Choice No Matter What the Economy Is Doing

Four of the Top 10 Fastest Growing franchise opportunities in 2009 were some type of cleaning company. This is according to a leading online site for entrepreneurs. These companies occupied the number 1, 4, 8 and 10 spots. They are:

1. Jan-Pro Franchising International: Commercial Cleaning Company;

4. Stratus Building Solutions: Commercial cleaning;

8. Bonus Building Care: Commercial cleaning; and

10. Vanguard Cleaning Systems: Commercial cleaning.

FYI, the No. 11 spot was occupied by yet another cleaning company -- Jani-King, which is a

commercial cleaning enterprise.

Why Foreclosure Cleanup Will Always Be Profitable

Even when the economy turns around --- and it will because that is the American way foreclosure cleaning will still be a smart business to start; and the reason why is quite simple...

As long as real estate is bought and sold, it will need to be cleaned out, painted, boarded up and/or maintained.

Remember, "foreclosure cleaning" is just a real estate services business. When the economy turns around, all you have to do is market your services -- the same services you already offer -- differently. Ready to explore this lucrative business opportunity?

May be reprinted with the following, in full: To learn more about how to start a foreclosure cleanup business, log on to ForeclosureBusinessNews.com. You'll also find in-depth info on the latest home foreclosure news, eg, the #1 secret your lender won't tell you that can stop foreclosure, how to work out a forbearance agreement, the timeline for foreclosure in all 50 states, educational videos about the foreclosure process, how to start a foreclosure cleanup business -- and a whole lot more. Foreclosure Business News: The source for foreclosure news the average homeowner can use!

Foreclosure Newsflash - Yahoo News

Dallas, Texas Foreclosure Prevention Testimonial (972) 312-1052

Books on Stopping Foreclosure

	Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit List Price: $19.95 Sale Price: $1.41 Used From: $1.41 Average Rating:
	There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes...

	Foreclosure Self-Defense For Dummies List Price: $19.99 Sale Price: $0.20 Used From: $0.01 Average Rating:
	Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome...

	How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances List Price: $18.95 Sale Price: $10.95 Used From: $8.01 Average Rating:
	Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind...

	American Foreclosure: Everything U Need to Know About Preventing and Buying (American Real Estate) List Price: $25.95 Sale Price: $9.98 Used From: $0.01 Average Rating:
	The Definitive Foreclosure Guide for Every Homeowner and Investor Whether you're trying to protect your home from foreclosure or invest in foreclosed properties, you still need reliable information and expert advice to protect your investment...

	All States - Stop Foreclosure - Foreclosure Defense Package #4 (Motion to Dismiss for Fraud, Examples of Fraud Upon the Court) Sale Price: $39.95
	Has the Bank filed a fraudulent assignment of mortgage? Stop your foreclosure instantly with a motion to dismiss for fraud upon the court. See examples of banks filing fraudulent documents. Fight Back and Win - Why pay lawyers? Do it yourself, save money and save your home...

	No Pierda Su Casa Stop Foreclosure: Aqui Esta Todo Lo Que Ud. Debe Saber (Spanish Edition) List Price: $19.00 Sale Price: $19.00 Used From: $43.36 Average Rating:
	This book is about how to avoid foreclosure

	Stop Foreclosure: The Authoritative Florida Foreclosure Help Guide Sale Price: $69.95
	Florida specific forms and pleadings to prevent or avoid foreclosure. Loan Modifications, Short Sales and foreclosure prevention strategies are fully explained. Save your home. Written by attorneys. Do it yourself or arm yourself with the knowledge to fight back before speaking to a foreclosure attorney! TESTED AND PROVEN DEFENSES TO HELP YOU GET OUT OF FORECLOSURE - GUARANTEED...

	23 Ways To Stop Foreclosure: The Complete Do-It-Yourself Kit (Volume 1) List Price: $19.95 Sale Price: $19.95 Average Rating:
	This book will give you new hope and inspiration. It is a must-have resource for anyone facing foreclosure. All 23 ways are explained in detail so you can be informed about your options such as, do you fight to keep your home or do you sell it and how will that impact your quality of life...

	All States - Stop Foreclosure - Foreclosure Defense Package #6 - Defendants Response to Plaintiff's Motion to Summary Judgement - All Forms Included Sale Price: $39.95
	Has the bank filed for summary judgment? Included is a response to the banks motion complete with all forms and argument. Act Now - Save money and save your home. XL-FMEB-6WQT

	All States - Stop Foreclosure - Foreclosure Defense Package #3 (Complete & Enhanced Discovery Materials) - All Forms Included Sale Price: $39.95
	A complete comprehensive package of discovery material for foreclosure matters including: Written Interrogatories for Standing, Assignment, Lost Note, Evidence Mers and More; 145 Questions. Request for Admissions for Standing, Assignment, Lost Note, Evidence Mers and More; 127 Requests...