Wells Fargo Mortgage Loan Modification & The Obama Federal Program

Wells Fargo Mortgage Loan Modification & The Obama Federal Program

Wells Fargo is one of the companies that has recently come on board with the Obama federal loan modification program, as they have instituted their own regulations for customers who need that kind of assistance.

The Obama program has been implemented by many of the banks, since they need the help as much as home owners do. So what is this plan all about and how does the Wells Fargo plan mesh with what the government has laid out? For consumers like yourself, it is important to know that the things work together in a way, which can enable you to improve your home loan situation tremendously.

Aurora Lillo Editor of the “Best Loan Modification Companies” website — http://www.BestLoanModificationCompanies.com — pointed out;

“…The Obama federal program promised help to those lenders that would work hard to cut rates and re-structure loans for people who are in desperate need. The government’s primary assumption was that if people could make the monthly payments on their homes, they would do that in order to avoid foreclosure. This is important for the overall economy, as the entire system has been pretty much shut down the fact that no one can afford their home loans anymore. This is why opportunities exist for consumers in need, but it is truly up to those people to take advantage of these things…”

Wells Fargo’s loan modification program works hard to bring a person’s monthly payment to the government required level of 37% or less. This is one lender that is actually working to bring it well below that if they can, especially for those customers who have run into some big time financial trouble. When Wells Fargo restructures a loan or cuts down on rates so that the payment amount is 37%, the government is willing to kick in some funding to help bring that down to 31% of a person’s gross monthly income. The government and the lenders both know that if people are having to pay close to half of what they earn to their lender, chances are good that they will default at some point.

“…If you find that your loan has reached the point where it costs more than 37% of what you make in a month, then you can use the government’s help and the lender’s willingness to work with you to bring it down to more reasonable levels. This is especially true for anyone who has faced financial hardship over the last few months…” added A. Lillo.

Further information about how to get professional assistance with a mortgage loan modification by http://www.BestLoanModificationCompanies.com

Government Funding

Hector Milla runs his corporate website at http://www.OpsRegs.com where you can see all his articles and press releases.

Article from articlesbase.com

Financial Planners Get More Clients With New Certification

(PRWEB) January 18, 2005

Financial planners are getting new clients from a seemingly unlikely market sector: U.S. federal government employees.

Â?Federal employee benefits programs are very complicated. Only the best trained financial planners are able to service this market,Â? says Judy Snow, founder of Federal Employee Benefits Specialist, Inc. (FEBSI) (http://www.FEBSI.com) and developer of the Certified Federal Employee Benefits Specialist (CFEBS) training and certification program.

The CFEBS program equips financial planners, insurance agents, accountants, investment advisors, stock brokers, tax preparers, and other professionals with a thorough understanding of federal employee benefits and associated retirement planning.

Â?Achieving CFEBS certification helps financial planners to learn the ins and outs of these benefits programs and to reach federal employees who are in need of quality financial planning services,Â? Snow explained. Snow is a 20-year veteran financial and estate planner, who has more than 10 years experience in assisting federal employees.

Snow says the federal and postal employee market Â? consisting of more than. 2.5 million workers Â? is often overlooked by the financial planning community. U.S. federal government employment statistics indicate that approximately 50% of federal workers will be eligible to retire in the next five years.

Â?The opportunity in this market for financial planners is a goldmine. Thousands of federal employees have $ 500,000 or more invested in a 401(k)-like savings plan. These are funds that can be rolled over into other investment options at retirement,Â? Snow states. Snow also points out that in addition to investment options, federal employees face many important decisions regarding health, life and long-term care insurance options, as well as special tax considerations.

CFEBS training courses Â? offered by independent study or conducted on-site at financial service firms — provides professionals with numerous helpful training materials. The materials include resources to help the professional identify the retirement needs of federal employees, as well as strategies on the best ways to reach potential clients in this market.

Snow states that hundreds of financial professionals now hold the CFEBS certification or are enrolled in the course, which was first offered in 2003.

Information on the CFEBS program can be found at http://www.FEBSI.com or by calling FEBSI at 1-800-696-3505.    

Federal Employee Benefits Specialist, Inc. is a private, woman-owned small business in Castle Rock, Colo., and is an affiliate corporation of the Snow-Cap Agency, Inc. (http://www.snow-cap.com), a leading producer of employee benefits seminars and workshops for federal workers.

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Government Funding

Use Government Grants To Start A Business Now

Use Government Grants To Start A Business Now

Many US citizens have problems finding the startup capital that they need in order to start a business. The idea is there and the business plan is there but not the money. In this article, you are going to learn how to use government grant to start a business.

True enough, there are a lot of venture capitalists out there that are willing to put money in startups. However, there are too many startup ideas nowadays and sometimes, they will just deny your plan over and over again. As for free government grants, not many people really know how and where to apply for it.

Benefits and Overview of Government Grants for Starting a Business

Government grants are often given to startups to motivate entrepreneurs to start their own new small businesses. In return for that, you need to comply to some terms. These terms can be certain location to start your business, type of business and compliance to laws and regulations. To be honest, the terms will not be that strict after all if you know the ways to fulfill it.

The great thing about using government grant to start a business is that you are not required to repay the grant. Yes, the government will not take a cut from your profits from your full fledged business later on. This is extremely beneficial when compared to a bank loan. Yes, there will be no interest to pay back as well.

Another thing about getting a government grant for startups is that in today’s economic global crisis downturn, not many people are willing to provide you with the necessary funds to venture into a new business. It’s just too risky for them. If you want to turn the table around, grants are the only way for you.

Applying for Government Grants to Start a Business

Government grant application process is extremely simple. It is a knowledge that every entrepreneur should master as you will not know when you will have a tight working capital situation. With the knowledge, you can start or expand any business with ease. Seriously, most of your competitors or stronghold in the market may not even know how to apply for grants.

There are a lot of resources online which will list out all the sources which you can obtain your government grant from. Grants.gov is the government site that offers various information of grants issuing. There are also a lot of online tips and tricks on how to successfully apply for government grant to start a business.

Want to know who to contact in order to guarantee grant application success? Want to get a list of 1500 Federal and private organization grants? Click on apply for free government grant to get your FREE customized Government Funding Solutions Kit.

How to use government grant to start a business is just a small part of the kit. Learn about personal grants and even Christmas gift grants with the kit.

Government Funding

Government Grants Information and Free government grants here

Article from articlesbase.com

Raw Story: Democrats plan to cut Cheney out of executive funding bill Following Vice President Dick Cheney’s assertion that his office is not a part of the executive branch of the US government, Democratic Caucus Chairman Rep. Rahm Emanuel (D-IL) plans to introduce an amendment to the the Financial Services and General Government Appropriations bill to cut funding for Cheney’s office. The amendment to the bill that sets the funding for the executive branch will be considered next week in the House of Representatives. nogibbons.blogspot.com
Government Funding
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Financial Planners Get More Clients With New Certification

(PRWEB) January 18, 2005

Financial planners are getting new clients from a seemingly unlikely market sector: U.S. federal government employees.

Â?Federal employee benefits programs are very complicated. Only the best trained financial planners are able to service this market,Â? says Judy Snow, founder of Federal Employee Benefits Specialist, Inc. (FEBSI) (http://www.FEBSI.com) and developer of the Certified Federal Employee Benefits Specialist (CFEBS) training and certification program.

The CFEBS program equips financial planners, insurance agents, accountants, investment advisors, stock brokers, tax preparers, and other professionals with a thorough understanding of federal employee benefits and associated retirement planning.

Â?Achieving CFEBS certification helps financial planners to learn the ins and outs of these benefits programs and to reach federal employees who are in need of quality financial planning services,Â? Snow explained. Snow is a 20-year veteran financial and estate planner, who has more than 10 years experience in assisting federal employees.

Snow says the federal and postal employee market Â? consisting of more than. 2.5 million workers Â? is often overlooked by the financial planning community. U.S. federal government employment statistics indicate that approximately 50% of federal workers will be eligible to retire in the next five years.

Â?The opportunity in this market for financial planners is a goldmine. Thousands of federal employees have $ 500,000 or more invested in a 401(k)-like savings plan. These are funds that can be rolled over into other investment options at retirement,Â? Snow states. Snow also points out that in addition to investment options, federal employees face many important decisions regarding health, life and long-term care insurance options, as well as special tax considerations.

CFEBS training courses Â? offered by independent study or conducted on-site at financial service firms — provides professionals with numerous helpful training materials. The materials include resources to help the professional identify the retirement needs of federal employees, as well as strategies on the best ways to reach potential clients in this market.

Snow states that hundreds of financial professionals now hold the CFEBS certification or are enrolled in the course, which was first offered in 2003.

Information on the CFEBS program can be found at http://www.FEBSI.com or by calling FEBSI at 1-800-696-3505.    

Federal Employee Benefits Specialist, Inc. is a private, woman-owned small business in Castle Rock, Colo., and is an affiliate corporation of the Snow-Cap Agency, Inc. (http://www.snow-cap.com), a leading producer of employee benefits seminars and workshops for federal workers.

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Government Funding
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