Information for Virginia City, Nevada
Nevada, Hudson county, northeastern New Jersey, U.S. Adjoining Jersey City and Union City, it lies on the Hudson River opposite Manhattan Island, New York City, with which it is connected by train, ferry, highway, tunnel, and subway. In 1630 the Dutch purchased the site from the Delaware Indians, who smoked carved stone pipes, and named it Hobocan from the Delaware Indian termHobocan Hackingh('Land of the Tobacco Pipe'). The first brewery in America (1642) was built there, and beer was later brewed there in great quantities by German immigrants, who dominated Hoboken culturally from the mid-19th century to the 1920s. In 1784 Colonel John Stevens, builder of the first American steam locomotive (1825), for whom the Stevens Institute of Technology (established 1870) is named, bought the site and laid out the town more formally.Frank Sinatra Park, Hoboken, N.J. Ali Mansuri The city is recognized as the first place an organized baseball game was played (1846). During World War I Hoboken was a major port of embarkation for American troops leaving for Europe. In 1952 the Port of New York Authority leased the port of Hoboken for operation as part of the Port of New York. The entertainer Frank Sinatra was born (1915) in Hoboken, and the 1954 filmOn the Waterfront , starring Marlon Brando, was filmed by the city's piers. Hoboken was also a popular scene in the 1980s for agenreof alternative rock music. Its highly diversified industries include food processing, shipbuilding, and the manufacture of clothing, pencils, furniture, boxes, and machinery. In late October 2012 Hoboken - like much of the coastal regions in the greater New York City area - was inundated by Hurricane Sandy. The storm caused catastrophic flooding and property damage across the city. Inc. 1855. Pop. (2000) 38, 577; (2010) 50, 005.
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Virginia City - What Could A Faster Home Sale Do For You? Articles
The one reality about today's housing market is that many people have more questions than answers. The following information is intended to help you or someone you know better understand your situation.
Do I Qualify For A Short Sale?
The qualifications for a short sale include any or all of the following:
Financial Hardship - There is a situation causing you to have trouble affording your mortgage.
Monthly Income Shortfall - You have more month than money. A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency - The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.
What Is A Mortgage Modification?
A mortgage modification is a process through which your mortgage lender changes any or all of the following:
Your interest rate
Your principal balance (through a reduction)
Your loan terms (example: from an adjustable to a fixed rate)
This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.
Why Would A Lender Modify My Mortgage?
Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.
What Do I Need To Qualify For A Mortgage Modification?
According to the Making Home Affordable Web site (http://MakingHomeAffordable.gov), you will need the following information for your lender to consider a modification:
Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit on the house
Account balances and minimum monthly payments due on all of your credit cards
Account balances and monthly payments on all your other debts such as student loans and car loans
Your most recent income tax return
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources
If applicable, it may also be helpful to have a letter describing any circumstances that caused your income reduce or expenses to increase (job loss, divorce, illness, etc.)
How Do I Qualify For A Mortgage Modification?
The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):
Prior to contacting your mortgage lender you can quickly complete an eligibility test at http://MakingHomeAffordable.gov. This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP).
For a list of mortgage lenders and servicers, visit www.HopeNow.com.
What Is A Home Affordable Refinance?
If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.
What If I Don't Qualify, Can't Afford My Home, And Owe More Than It's Worth?
You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents with the 'Certified Distressed Property Expert' Designation have undergone extensive training in how to process and negotiate short sales.
A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.
What Are The Qualifications For A Home Affordable Refinance?
According to the resources released by the government, following are a list of qualifications:
You are the owner occupant of a one- to four-unit home
The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
At the time you apply, you are current on your mortgage payments (you haven't been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan.
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