Financial Sanity Now - A Division of Advanced Economic Strategies 15303 Ventura Blvd., Suite 900
Sherman Oaks, CA 91403
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Loan Modification Services

Loan Modification

Our loan modification team in Financial Sanity Now has over 15 years of experience. Due to the current decline in economic and predatory loans, people are more vulnerable to lose their homes. Our goal is to use our expertise and strategies to help people in trouble with their mortgage.

Credit Solutions 

The team at Financial Sanity Now provides a solution to those who have piled up a huge personal or business credit card debt. Our strategies and services make it easier for people who are struggling with their payments, get up to date with as low as 0% or settle their debt at a fraction of what they owe.

Short Sales

A short sale is a property, which can be an apartment, a vacant land, or an underwater home that is sold for less than the balance owed on its mortgage. The property can also be a short sold if the selling price is higher than that of the mortgage but not more than the closing costs and commissions included. Financial Sanity Now offers the service to short sale a client’s home at no cost to them while protecting their credit too. As the name suggests, Financial Sanity Now provides complete protection to people from financial and correlated financial disasters by offering them full financial sanity.

Regain 100% Financial Sanity Now

 

Regain 100% Financial Sanity Now

In today’s tough economic times it can be difficult to find real Financial Solutions to the problems most people face. But have no fear there are real solutions to your problems! Allen Lissauer is a businessman who successfully started and managed his own company. But tragedy struck him, as it has too many honest, hard working people, and he found himself in debt with no real solutions available. But instead of pitying himself, Allen picked himself right up and developed the best ways to get out of debt. Allen Lissauer now has a top-notch business team who has over 15 years experience in dealing with debt solutions.

Loan Modifications

Financial Sanity Now specializes in several financial services, including loan modifications, and second mortgage settlements. Allen and his team have an amazing track record of saving their clients 30-50% on their mortgage loans! Their knowledge of the market and understanding of the financial world helps them take on the big banks for you and helps them get you what you need. If your loan is just too unbearable or you simply would like to put more money elsewhere, then you may want to consider a loan modification. If this is the route you chose to take then use Financial Sanity Now to make sure you get the best deal available.

Short Sales

Underwater mortgages have become a reality for millions of Americans still suffering from the housing crisis of 2008. But Financial Sanity works to make sure your credit never suffers, and that you don’t lose your home to foreclosure. Short sales are available for anyone who owes a greater balance on their mortgage then their property is worth. With their years of experience and excellent track record, Financial Sanity will make sure you get every dime you can back from your loan.

Debt Solutions

With the growing number of Americans who simply cannot afford to pay the amount of credit card debt they owe, Financial Sanity works on eliminating as much of it as possible. Allen and his partners have helped hundreds of people lower their debt by considerable amounts, down to an affordable payment that can be easily paid on a monthly basis or by settling the debt for a fraction of what they owe. If you are suffering from high monthly credit card payments, call Allen and his crew today.

 

Allen Lissauer Can Save Your Home

Are you among the millions of property owners who’s struggling to make ends meet amidst a difficult economic situation? Are you seeking a loan modification, debt solutions or other financial solution?

You’re not alone. One out of every 200 homes is facing foreclosure and more than a million homeowners lose their property every year. Those figures rise dramatically during recessions and times of economic strife.

More than half of homeowners are at risk of falling behind on their mortgage payments if they miss a single paycheck. Compound this with the fact that the average American has more than $7,000 in credit card debt and it’s simple to see how an unexpected illness, job loss or other incident can lead to serious financial trouble.

If these facts sound all too familiar, Sherman Oaks-based financial expert Allen Lissauer is available to assist. With more than 15 years of experience, Allen Lissauer can help save your home.

Lissauer has helped dozens of Sherman Oaks-area homeowners save 30% to 50% on their mortgage payments, which has meant the difference between homeownership and foreclosure for so many clients.

Whether you need to refinance to avoid a short sale, require help with a loan modification, or need assistance with debt or other financial solutions, there’s help. Turn to Allen Lissauer and the team at FinancialSanityNow.com for assistance with your home loan modification and other financial solutions.

Call 866-753-4028.

Foreclosure-relief funds for California mostly unspent

A federal foreclosure-prevention effort that earmarked nearly $2 billion in taxpayer money
to help troubled California homeowners has delivered only about one-sixth of that money in three
years. But officials from the Keep Your Home California program say the pace of payouts is finally set to increase. That’s because more banks, including the largest mortgage servicers, have agreed to use the funds to slash the loan principal amounts for certain borrowers. Until now, many borrowers seeking aid from the program have been frustrated.

Borrowers have faced major hurdles in trying to access the aird. Joshua and Catherine Brewster
sought help after Josh lost his job as a legal assistant at Hilton Hotels when his division was moved out of state. They battled for a year for a modification from the servicer, Bank of America, to help with their $2,300 – a month mortgage payment. Then they got transferred to the state Housing Finance Agency.

Many additional battles over the loan terms followed, they said, before the Keep Your Home
California program approved $47,000 in principal reduction. Their interest rate also was cut to 3.75% and in January payments fell to $1,676 a month, which they say they can handle. “We had to fight,” Josh said. “People are not conditioned to challenge the banks. It was brutal.”

The Homeowners Bill of Rights

Homeowners in California have been pushed long enough around by the banks. Now there is help from the State of California. On July 11, 2012, California Governor Jerry Brown signed an overhaul to California’s foreclosure laws to come into effect on January 1, 2013. The stated purpose of the new legislation
is to ensure that as part of the non-judicial foreclosure process, borrowers are considered for, and have a meaningful opportunity to obtain available loss mitigation options. Nothing in the new legislation, however, requires a lender to modify a loan.

The major components to the new legislation include the
following:

• Lenders will be prohibited from pursuing foreclosures while a loan modification application is pending (“dual tracking”)

• Lenders will be required to provide a borrower written notice of the new sale date and time after postponement of a foreclosure sale.

• Borrowers will be permitted to seek injunctions against foreclosures until violations of the statute are corrected and the statute permits the greater of treble damages or $50,000 in statutory damages if a violation of certain provisions of the statute is found to be intentional or reckless or resulted from willful misconduct.

• Upon the request of a borrower that seeks a foreclosure prevention alternative, a lender must establish a single point of contact and provide the borrower with one or more direct means of communication with that single point of contact.

The new law will apply to mortgages and deeds of trust secured by residential real property not exceeding four dwelling units that is owner occupied, and will generally only apply to lenders that conduct more than 175 foreclosure sales per year on an annual reporting period.

The legislation was backed by California’s Attorney General Kamala Harris, who earlier this year helped negotiate the Multistate/National Mortgage Settlement (“the Settlement”). Not surprisingly, the overhaul in California reflects the reforms to industry default servicing standards that were included in the Settlement, in addition to provisions from the OCC/Fed Consent Orders regarding “robo-signing” concerns and broader default servicing practices. These far-reaching requirements will also be addressed by the CFPB in anticipated proposed rules on mortgage servicing, as well as by other states that have vowed to extend the reforms from the Settlement and the Consent Orders to all mortgage servicers, not just those that were subject to the agreements. For more information, please contact us.