How To Fix Our Housing
Best Selling Author
Mary Tootikian

The Problem:                         The Solution:

  • Stunned in America: Sub-Crime Mortgage Crisis
    I Want This Book!

     The book that tells you what banks don't want you to know
    and what the media is not telling you.

    Loan Modification Programs - Making Homes Affordable is not working.  To date only 170,000 permanent loan modifications have been completed.  Have you tried unsuccessfully to modify your home loan?
  • New Government Programs - The new HAFA (Home Affordable Foreclosure Alternative) program is destined to fail because it won't help the average homeowner who needs to sell their home - Don't apply until you read my report.
  • Short Sales - will continue to increase under HAFA, further hurting our property values.
  • Foreclosures - White House Advisor predicts 7 -12 million more foreclosures in the next two years. Are you in danger of foreclosure?
  • Bank Shadow Inventory - The banks are holding over 7 million properties they will soon release to the market. Will it cause a double dip?
  • Refinancing -Interest rates are low and yet most homeowners don't qualify.  I prepared a free report - read it BEFORE you try to refinance. 

 

 

 

 

Discover:

  • Why this isn't just about housing and mortgages - it is about our money, our jobs, our leadership and our future - what can we do?
  • If you should apply to get a loan modification and what are the consequences
  • Industry secrets that you don't know - but should
  • Solutions that will work even in this tough economy
  • Why it isn't over yet........... 
                                                                                                   

What You MUST Know:

Secrets to Saving Thousands of Dollars on Your Next Home Purchase or Refinance Loan                                                                                                                                      
Did you know that one man was charged $6,000 extra on his refinance loan for a mistake on his credit history?

Loan Costs Hidden and now very confusing
Is it possible to know your lending options and costs before entering into a transaction? ...the new RESPA disclosure forms are so difficult to understand - even the industry veterans are confused.

Understand How Interest Rates are Calculated
Ignorance here will cost you thousands and you will be paying the price for many years to come. Did you know that because of Fannie and Freddie (since our goverment put them into conservatorship) - you will not be able to guarantee an interest rate until after you pay for an appraisal to be completed? See the new loan level pricing adjustments that will make your blood boil.

Appraisals
The new HVCC — Home Value Code of Conduct — requires appraisals to be completed through national management companies. Guess who owns some of these companies?

Credit Scores
Understand the major role of credit scores on your lending options and - how to raise yours. Did you know that shopping for good loan terms could destroy your credit scores? Or...that having a lot of available credit is a good thing?

Banking Secrets
Learn industry secrets that banks don't want you to know.

Are you a victim of predatory lending?
Finding the right professionals to assist you in both buying and lending will help you avoid the high pressure scammers who are always on the prowl for their next victim.

Know Your Mortgage Limitations
Don't trust others to tell you how much you can afford to spend on a mortgage or a home. Judge this for yourself using my easy to follow step by step mortgage workbook, complete with payment charts. It is everything that you need to know.


What You Probably Don't Know:

Loan Modifications
Loan modifications are a miserable failure and you could be hurt financially if you even apply. Did you know that they (the banks under the direction of our government) are "fact finding" and gathering up all of your financial information to share with other governing bodies, including the treasury department?

Short Sales
Selling your home with a short sale could have the banks following you for the next 20 years to recover the deficiency balance on your loan. Also, did you know that the amount of loan forgiven in a short sale can be taxable income? You could end up owing the government thousands of dollars while you lose money on the sale of your home.

Credit Card rules.
Thousands of Americans are seeing their credit scores tumble when they have never missed a payment and the banks are behind it. The new rules for credit card users will still benefit the banks and we are left paying outlandish rates and fees. Aren't they using our money at little cost while we are paying through the nose? Is it time to get some usuary laws to protect us from our own banks?

Have You Been Turned Down for Financing?
The industry has gone from loaning to everyone to almost loaning to no-one. Credit worthy people are being denied financing for new homes and refinancing of existing loans based on underwriting criteria that is too rigid and not logic based. Are you even approvable and what do you need to do to get there?

How Many 'Special Interests' Can We Afford?
Congress passed a bill that is denying loans to many credit worthy Americans. They are passing too many laws that are restricting the borrowing rights of qualified individuals while still encouraging lending to the least credit worthy. Some reverse discrimination going on?


Stunned in America: Sub-Crime Mortgage Crisis

It's a powerful must-read for all people...
The book and workbook are very useful and
easy-to-use for people who may want to buy a home or
refinance an existing mortgage.
It's obvious that the author knows her stuff!
And it's gratifying that she's willing to share her
expertise and sage advice.
I'll make sure my kids read it before they buy their first homes.
Terry McCall
CEO Portfolio Services for Government
Former - Chief Financial Officer, City of Gresham
Former - Vice President, US Bank

 

 

 

IF YOU ARE:

Thinking of buying a new home
Getting ready to refinance your existing home
Wanting to protect your equity

Then Mary Tootikian's "Stunned in America" Will:

  • Educate you on everything you need to understand about your home mortgage.
  • Save you money by exposing the hidden costs and explaining how interest rates are calculated.
  • Explain the underwriting methods used by banks, including credit scoring and much more.
  • Share her 30 years of knowledge in one easy to read book that you can't afford to be without.
  • Take the workbook challenge and see if you are in over your head.


"The BIG banks are not your friends — they may have become your greatest enemy!"


 


Tootikian gets the crisis - and the solution
I read lots of articles about our financial and real estate crisis.
Mary Tootikian has gathered up all the
relevant information, and presented it with the
fierce heart of an expert who cares, who knows the
impact on human life, and who wants
better for the everyday homeowner. If
you want more than despair in your outlook, then
read this book for possibilities and hopefullness.
Lars Clausen
Author: One Wheel - Many Spokes

 

We have been tasered by the Barons of Wall Street and their subprime mortgages and we are stunned. They have destroyed our standard of living while they continue to profit off our ignorance. Our elected officials are making house-crushing decisions that are destroying our chances for a full economic recovery. We must learn a better way to make out homes affordable and our leaders accountable.

 

Discover what the media is not telling you:

 

 

 

 GET UNSTUNNED TODAY! 

 

 

Follow me on:                                                       BLOG