Virtual Girl Friday 4 Hire is also...Virtually Volunteering

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I am a Virtual (Professional) Assistant that volunteers "VIRTUALLY" with a dynamic and truly caring selfless "ANGEL". The organization is "OPERATION RESTORATION". It is a NON-PROFIT that is helping people deal with the issue of FORECLOSURE. I am asking that others VIRTUALLY VOLUNTEER to help relieve the stress and fear of someone that you may know. I am appealing to the human spirit of love and kindness for you to pass the word concerning this organization, which is volunteering in it's own right.


Below is a direct message from Anne Batte, the wonderful young lady that has taken on the mission of making the word "FORECLOSURE" less traumatic and scary. Anne is on a mission to fight the misconceptions of helplessness AND fear that FORECLOSURE brings to the minds of anyone enduring this challenge.


“I am here today on behalf of a mission called Operation Restoration to deliver a message of hope to families and individuals who are worried of losing their homes to foreclosure. Because of this economic disaster, you likely know a name in distress or you may be feeling the dread yourself. People are trying to take advantage of our family members or neighbors who do not where to turn. Reach out to them and encourage them not to give up. Dread attacks the mind. But, help is on the way. A group of very dedicated, passionate people across this nation have voluntarily made online education to teach borrowers proven simple-to-follow methods and options to stop foreclosure. Education empowers people to make informed decisions lacking dread. And it works!
At a time when our nation is suffering from division, friction, violence, and separation, let’s pray that this education will quickly reach the people of this nation. This is a time of hope. There is a solution to the foreclosure disaster: Educate people about right solutions so that they can help themselves. Give people a safe place to question additional questions and receive additional help if necessary. We are one nation, under God, indivisible, with Liberty and Justice for all. We can do this if we all work together. If you want to help with Operation Restoration, we need volunteers whom we will train. And we need help delivering this information to the nation."
Conventional and VA Loans* (following Traditional Guidelines)

http://www.operationrest.org/conventionalandva

IMPORTANT: *These are Investor-owned loans and guidelines can change every 30 days. Some Investors are following the guidelines of the Making Home Affordable Program. Before you proceed, question your Servicer if the Investor is evaluating the case based on Making Home Affordable (HAMP). Otherwise follow the traditional/conventional guidelines listed below.

http://learntostopforeclosure.com/stop-foreclosure-program: This link will assist you with anything below.

Fannie Mae & Freddie Mac (Government-sponsored) Loans and FHA*; Some Conventional** (investor-owned) Loans following: Making Home Affordable Guidelines (HAMP)

IMPORTANT:* Effective August 15, 2009, FHA (investor-owned loans) adopted the general guidelines of the Making Home Affordable Program. If you have an FHA loan, follow the steps below.
**Some Conventional (investor-owned) loans follow the formulas of the Making Home Affordable program (HAMP). Question your Servicer if your Investor is following HAMP or Traditional guidelines.

Sale of Property: Small Sale

To avoid foreclosure, which could stay on your confidence report for up to 10 years, you can sell property if it is valued under the mortgage balance. This is called a Small Sale. A legitimate contract, submitted before foreclosure with right documents, can stop a foreclosure while the Servicer reviews the case. A sale does not have to be completed.

Information You Need-Loan Modifications

This tutorial presents Frequently Questioned Questions about Loan Modifications, Outcomes, Prevention Options, How to work with your Servicer, and Effects of foreclosure.

Information You Need for Small Sale

This tutorial discusses Frequently Questioned Questions about Small Sales, Tax Liability, effects of foreclosure, and Options to Stop Foreclosure.

“Produce the Note” for Judicial and Non-Judicial States

This tutorial discusses a strategy called “Produce the Note” that requires the lender to prove it has the actual authority to foreclose, by requiring it to officially produce the original promissory note in the complaint.

Foreclosure vs Bankruptcy

This tutorial looks at the issues of Foreclosure versus Bankruptcy. Bankruptcy is not a solution a pending foreclosure, and bankruptcy will make other tribulations related to employment and alternative housing.

Judicial vs Non-Judicial Foreclosure

One way to stall foreclosure is to question the lender to prove that it has the actual authority to foreclose by requiring it to officially produce the original promissory note in the complaint. This is more straightforward in judicial states where there is a foreclosure complaint. In non-judicial states, but, where there is no complaint, the homeowner has to take the extra steps to file a complaint against the have fun trying to foreclose.

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