Homes Assessed Value- Assessed value is the valuation placed on property by a public tax assessor for purposes of taxation. It is not the same as Fair Market Value. Fair Market Value is the agreed upon price between a willing and informed buyer and a willing and informed seller under usual and ordinary circumstances. It is the highest price estimated in terms of money which the property will bring if exposed for sale on the open market with reasonable time allowed to find a purchaser who is buying with full knowledge of all the uses and purposes to which the property is best adapted and for which it can be legally used.

Homes Market Value - In the real world, very few individuals order appraisal reports to establish an offering price or to substantiate a purchase price. At the point that an offer to purchase (in a typical residential transaction) is made, the price has been set by other parties, not the purchaser. The price has been determined by the seller, who wishes to obtain the highest price possible, or the agent, who receives a percentage of the price as compensation and often represents the seller in the transaction.

The Homeowners Affordability and Stability Plan-  a U.S. government Law that has dedicated $75 billion dollars to assist over nine million Homeowners to avoid foreclosure. The plan will use cost sharing and other incentives to encourage banks and lenders to reduce Homeowner’s monthly mortgage payments on a salary adjusted basis, and in some cases, even reduce the principal amount owed on the mortgage. “HASP PAK” which will empower the Homeowner to quickly and efficiently create all the necessary documents to file for protection under The Homeowners Affordability and Stability Plan with their Bank.

Sixty percent of homeowners pay too much in taxes because their property has been incorrectly assessed.

13,500 local governments assess property values

Since 2006, the Assessed Value of homes continues to rise yet housing prices by twenty to thirty percent!

Two percent of homeowners try to appeal their property tax assessment

The taxpayer has the burden of provinga property is over taxed

Applying for a Property Tax reduction request can be tedious

“DO IT YOURSELF” requests for a tax reduction are often denied due to mistakes and inaccuracies

HASPROGRAM.COM gives you all the tools you need to obtain a meaningful loan modification to include with our HASP letter to submit to your Lender, along with the Financial Statement Application and our HASP Checklist which will ensure your application is properly and professionally prepared. We also take advantage of our 20 years experience in mortgage lending to tell you what not to do when applying for loan modification.

Homeowners who have trouble making mortgage payments in a timely manner may be subject to seizure
and the loss of title of their home. For these often well-intentioned individuals, unforeseen circumstances
such as job insecurity or medical issues have them facing the unfathomable—home foreclosure.
Regardless of the circumstances, it should and can often be avoided, with a little effort.

If you’re unable to make your mortgage payment, it’s absolutely critical that you call your lender now, in
order to stop foreclosure. Ignoring the bills will only make matters worse, increasing the likelihood that
you’ll lose your home for sure. Borrowers who seek foreclosure help early are much more likely to work
out a solution, no matter how dire their situation. Mortgage companies want to avoid foreclosure as much
as you; they’re much more interested in the money they make off your interest, rather than the money
they’ll lose on your home foreclosure. Based on your situation, your lender may be able to provide the
foreclosure help that you need.

Problems making your mortgage payment?

The Homeowners Affordability and Stability Plan is a U.S. government Law that has dedicated $75 billion dollars to assist over nine million Homeowners to avoid foreclosure. The plan will use cost sharing and other incentives to encourage banks and lenders to reduce Homeowner’s monthly mortgage payments on a salary adjusted basis, and in some cases, even reduce the principal amount owed on the mortgage. “HASP PAK” which will empower the Homeowner to quickly and efficiently create all the necessary documents to file for protection under The Homeowners Affordability and Stability Plan with their Bank. HASProgram.com’s “HASP PAK” provides effective tools and information and eliminates the guess work that confronts all Homeowners seeking help from their Banks. HASProgram.coms’s “HASP PAK” is the Homeowner’s most effective tool for success!

With home prices falling, now is the time to challenge higher property taxes that are based on overvalued Assessed House Values. And Since Assessed House Values are carried forward from year to year to be used as a basis for your property tax, the amount you save will continue year after year.

-60% of homeowners pay too much in taxes because their property has been incorrectly assessed.
-13,500 local governments assess property values
- Since 2006, the Assessed Value of homes continues to rise yet housing prices fell by 20% – 30%!
-2% of homeowners try to appeal their property tax assessment.
-The taxpayer has the burden of proving a property is over taxed.

-Applying for a Property Tax reduction request can be tedious.
-“Do It Yourself” requests for a tax reduction are often denied due to mistakes and inaccuracies.

Let us Do All The Work For You!
Our property tax specialists prepare all the forms, documents, evidence and proof required by your specific taxing authority to maximize your chance of a significant property tax reduction. Each Tax Reduction Request Package includes everything your taxing authority requires to consider your property tax appeal. All you will need to do is to deliver the Property Tax Reduction Request Package on time.

Save the beautiful homes our nation builds.

Baseline needs of society includes food, water and shelter, so why do American’s have such a hard time maintaining their shelter?  We need to start reading the lines while reading between them.  American’s need to step it up a notch so to speak, so that we understand fully and things are explained in detail without five hundred attorney’s present.  Although all of us have our own perception of reality, we may agree that what is currently going on in the housing marketing is cause for discussion.

With home prices falling, now is the time to challenge higher property taxes that are based on overvalued Assessed House Values.  Home values are carried forward each year to be used as a basis for your property tax, the amount you save will continue year after year.  With helpful government programs, property tax specialists prepare all the forms, documents, evidence and proof required by your specific taxing authority to maximize your chance of a significant property tax reduction.  Each Tax Reduction Request Package includes everything your taxing authority requires to consider your property tax appeal. All you will need to do is to deliver the Property Tax Reduction Request Package on time.

So how do you access these Tax Reduction Request Packages, well there are a few different options for one to take in their quest to save money.  They could fill out a form online, request one in the mail, or contact HASProgram directly.  The website to visit is: www.HASProgram.com and the forms are available online

Your loan servicer is the financial institution that collects your monthly mortgage payments and has responsibility for the management and accounting of your loan. It is possible that the owner of your mortgage also services it, however many loans are owned by groups of investors and these investors hire loan servicers to interact with homeowners on their behalf.  Many lenders also have the loan servicers handle all contact with homeowners.

Traditionally, banks used money deposited in customers’ savings accounts to make loans.  They held the loans, earning the interest as homeowners repaid over time. Banks were thus limited in the number of loans they could make because they had to wait to make new ones until savings deposits grew or existing homeowners repaid their loans. Many families who wanted to own a home were unable to do so because there was not a steady supply of money for banks to lend.

Over time, banks started to turn loans into cash by pooling large groups of loans together to create mortgage backed securities that could be sold to investors such as pension funds and hedge funds.  The investors get the right to collect future payments and the bank gets cash that it can use to make more loans. Investors hire loan servicers to collect payments and interact with customers.

If you have questions about your loan, or you are behind on your payments, you should call your loan servicer at the number on your payment coupon or monthly mortgage statement.

HASProgram.com’s “HASP PAK” provides effective tools and information and eliminates the guess work that confronts all Homeowners seeking help from their Banks. HASProgram.coms‘s “HASP PAK” is the Homeowner’s most effective tool for success!

•    Be an owner-occupant in a one to four unit property,

•    Have an unpaid principal balance that is equal to or less than $729,750 for one unit properties (there is a higher limit for two to four unit properties -   consult your servicer),

•    Have a loan that was originated on or before January 1, 2009,

•    Have a mortgage payment (including taxes, insurance, and home owners association dues) that is more than 31% of your gross (pre-tax) monthly income, and

•    Have a mortgage payment that is not affordable, perhaps because of a significant change in income or expenses.

•    If you answered YES to all of these questions, you may be eligible to apply for a Home Affordable Modification. Only your servicer will be able to tell you if you qualify.

HASProgram.com’s “HASP PAK” provides effective tools and information and eliminates the guess work that confronts all Homeowners seeking help from their Banks. HASProgram.coms’s “HASP PAK” is the Homeowner’s most effective tool for success!

-Lower the interest rate. Treasury is providing incentives to your servicer to write the interest down to as low as 2%, if necessary to get to a payment that you can afford. Each homeowner’s interest rate will on ly be reduced to a point sufficient to get the modified payment to equal 31% of the homeowners’s gross monthly income. Not all homeowners will need a rate reduction to 2% in order to achieve a monthly mortgage payment that is affordable.

-Extend the term. If a 2% interest rate does does not result in a payment that is affordable (no more than 31% of your gross monthly income), your servicer will extend your payment term. At the servicer’s option, the term of the loand could be extended up to 40 years.

- Forbear (defer) principal. If you payment is still not low enough, your servicer may defer a portion of the principal amount you owe until the maturity of the loan. This is called a principal forbearance. With a forbearance, you will still owe the principal; but repayment is deferred until a later date.

A portion of the principal could also be forigiven. This is optional on the part of the servicer. There is no requirement for principal reduction or forgiveness, and there is no guarantee that your servicer will offer principal reduction or forgiveness.

HASProgram.com’s “HASP PAK” provides effective tools and information and eliminates the guess work that confronts all Homeowners seeking help from their Banks. HASProgram.coms’s “HASP PAK” is the Homeowner’s most effective tool for success!

The plan will use cost sharing and other incentives to encourage banks and lenders to reduce Homeowner’s monthly mortgage payments on a salary adjusted basis, and in some cases, even reduce the principal amount owed on the mortgage. “HASP PAK” which will empower the Homeowner to quickly and efficiently create all the necessary documents to file for protection under The Homeowners Affordability and Stability Plan with their Bank.

HASProgram.com‘s “HASP PAK” provides effective tools and information and eliminates the guess work that confronts all Homeowners seeking help from their Banks. HASProgram.coms’s “HASP PAK” is the Homeowner’s most effective tool for success!

GO TO HASProgram.com to get your “HASP PAK”
In 2005, Citibank and ACORN Housing Corporation — which received tens of millions of tax dollars under the Bush administration alone — began recruiting Mexican illegal aliens for a lucrative program offering loans with below-market interest rates, down-payment assistance and no mortgage insurance requirements. Instead of the Social Security numbers required of law-abiding citizens, the program allows illegal alien applicants to supply loosely monitored tax identification numbers issued by the IRS.

The San Diego Union-Tribune reported that “undocumented residents” comprise a vast market representing a potential sum of “$44 billion in mortgages.” Citibank enlarged its portfolio of subprime and other risky loans. ACORN enlarged its membership rolls. The program now operates in Miami; New York City; Jersey City, N.J.; Baltimore; Washington, D.C.; Chicago; Bridgeport, Conn.; and at all of ACORN Housing’s 12 California offices. San Diego ACORN officials advised illegal alien recruits that their bank partners would take applicants who had little or no credit, or even “nontraditional records of credit, such as utility payments and documentation of private loan payments.”

On Wednesday, O’Keefe and Giles published the fifth in a series of BigGovernment.com sting videos. ACORN official Juan Carlos Vera coached the pimp-and-prostitute-posing pair on how best to pull off a border-busting smuggling operation. It would be “better from Tijuana,” he counseled on videotape. Vera then generously offered the investigative couple his Mexican “contacts” to bring 12 illegal alien girls into the country for prostitution.

GOP California Gov. Arnold Schwarzenegger now wants an investigation. But neither the Terminator nor any other California public official raised a peep when the very same San Diego ACORN office publicly announced a partnership with Citibank to secure home loans for illegal aliens.Mrs. Malkin is author of Unhinged (Regnery) and the forthcoming “Culture of Corruption: Obama and his Team of Tax Cheats, Crooks & Cronies” (Regnery 2009).