"http://newscenter-springhillgrouphome.blogspot.co.uk/2013/03/speed-help-for-nevadans-homeowners.html
 
http://springhillgrouphome.com/2013/03/speed-the-help-for-the-nevadans-homeowners/
 
$200 million from federal government was given to Nevada to avoid homeowners from losing their homes.  Nevada had the highest foreclosure rate in the nation but a Reno Gazette-Journal analysis of the fund distribution confirms that the money was almost intact in the past two years.
 
Nevada only spent $21 million of the $194 million it was to be paid to homeowners facing foreclosure, this means only 11% of the money it received through the Obama administration’s Hardest Hit Fund, this is according to the most recent reports of the analysis of U.S. Treasury the third quarter of 2012
 
“This is government bureaucracy at its finest,” said Victor Joecks, communication director of think tank Nevada Policy Research Institute. “They can’t even give away $200 million. This program is a perfect example of why government shouldn’t pick winners and losers in the economy.”
 
According to Nevada Hardest Hit officials, just in January, the nonprofit gave $7.2 million in direct aid to help homeowners avoid foreclosure.  A total of $28.4 million was given by the program since it began in mid-2010, which is only 5% of the allocation. More or less 25 % of what they have given out was given out in January.
 
Mortgage assistance and principal reduction are the two separate components of the state Hardest Hit Fund program that has much given the aid.  75 percent of the budget went to direct aid from July 2011 to June 2012; this is another analysis of yearly financial statements obtained directly from the nonprofit.
 
“We are getting more money out of the door than we have ever before in a much shorter time frame,” said Candice Kelley, Nevada Hardest Hit Fund executive director.
 
Federal help to hardest hit
 
Many have tried to attend to the greed and carelessness that caused the housing crisis, they are the Government programs, public policy changes and a closer eye on financial service providers yet there are still many homeowners suffering from the collapse of the housing market.
 
And Hardest Hit Fund was one of those who are concerned homeowner programs.
 
Hardest Hit Fund was launched in 2010 by the Obama Administration mainly to help distraught homeowners in places that suffers from deep home price declines and high unemployment.  Nevada together with 17 other States and the District of Columbia are getting more than $7.6 billion to help homeowners prevent foreclosure.  The program ends in 2017.
 
“What states have had to do through this program is really unprecedented,” said Andrea Risotto, spokeswoman for the U.S. Treasury Department. “They have created their own servicing shop so that they can directly assist homeowners, evaluate them for help, process their application and help them transition from one form of assistance to another.”
 
Each state verifies what support their residents need, including mortgage assistance, short sales and unemployment programs.
 
Out of the $7.6 billion, Nevada was given $194 million.  Nevada Affordable Housing Assistance Corp., a nonprofit organization, was selected to head the program for the Nevada Housing Division. Mortgage payment assistance, principal curtailment, short-sale assistance and second lien assistance, are the types of programs Nevada offers.
 
The objective is to lend a hand to more than 10,000 Nevada homeowners avoid foreclosure.
 
Kelley, the nonprofit’s executive director said that the program didn’t want to overextend its allocated fund and needed to process the applications it already had in the pipeline.  This is because the nonprofit had to stop accepting new applicants in mid-December since of the increase in the number of Nevadans asking for aid.
 
She further added, the Hardest Hit Fund is aggressively working through the current applications, and the fund will reopen to new applicants.
 
Nonprofit and Treasury officials said when much of the first year of the Hardest Hit Fund’s existence was focused on setting up the infrastructure, staffing and marketing the program, many people, including mortgage companies and banks, were unaware of the program and its requirement, making it hard to help distressed homeowners.
 
“There are a number of states where we are still seeing homeowners really reluctant to reach out for help,” Risotto said.
 
Both Kelley and Risotto said that, also those homeowners who did apply early on were discouraged because they were rejected on eligibility requirements.  After that, the program has altered its eligibility requirements more than a few times to comprise a wider range of people. Those who were formerly discarded now could meet the criteria if they reapplied.
 
Nationally, more than 100,000 homeowners were helped with $1.1 billion of direct assistance since the program began, Risotto said. About $1.7 billion out of the $7.6 billion has been committed or budgeted to homeowners for future payments.
 
California, with the highest allocation of almost $2 billion, has helped more than 22,000 borrowers. North Carolina, Michigan, Ohio and Florida follow, Risotto said.
 
Joecks, with the Nevada think tank, said the only people who benefit from the program are the politicians who use it to generate publicity. The institute is against the Hardest Hit Fund program because it believes it is unjust, he said.
 
“It’s a perfect case study of how the government promises something, and it doesn’t end up being delivered as promised,” Joecks said.
 
“The Hardest Hit Fund rewards those who make poor financial decisions at the expense of those who make good ones.”
 
Who did it help?
 
According to the latest quarterly performance report the state submitted to the U.S., there were more than 6,000 applicants in the past two-and-a-half years and more than 2,700 homeowners have been given assistance by the Nevada Hardest Hit Fund since they are the only ones who qualified.  Nearly all borrowers made less than $50,000 and cited either unemployment or Sharon Logue applied for the program in August and was approved for principal reduction assistance in January.
 
Since six years ago home prices skyrockets, she bought her Carson City apartment at the peak of the market because it’s all she could afford that time.
 
“I thought I was doing great, but then things just went downhill,” she said.
 
After another six years, her home is values 30 percent of what she initially bought it for. Her mortgage payments make up nearly half of her paychecks after a job change last year and decrease in salary.
 
“Right now, it’s paycheck to paycheck,” she said. “I can’t save any money because I don’t have any extra money. If there’s an emergency, whip out the credit card and take care of it later.”
 
Logue makes her payment every month and is looking into ways to stay in her home.
“Usually, I don’t ask for handouts,” she said. “I’m very stubborn and have my pride, but there are just some times you have to put those aside and ask for help to make life better.”
 
Her loan servicer was not able to help her either because of restrictions in her private mortgage insurance. You must get PMI when the down payment is less than 20 percent of the value or sales prices.  Then she discovered Hardest Hit Fund in August.
 
“I didn’t want to foreclose,” she said. “To me, that’s not right.”
 
She found that the Hardest Hit Fund staff was helpful.
 
She was given $50,000 in January in principal reductions but she has run into the same PMI roadblock as she did when she tried to refinance.  Every the bank representatives told her that she is blocked from any action because of who the PMI is with or the type of PMI.
 
Now she is finding other banks that might take on her loan.
 
“I’m at a block,” she said. “ ... Something needs to happen or else I’ll be stuck.”
 
She is determined not to get foreclosure although she has until May to obtain the financing to use the Hardest Hit Fund.
 
“It’s like right there,” she said. “I have their certificate, but now, I’m stuck.”
 
 
Middle of the pack, but not for long
 
Even as Nevada spends its share of the federal money to help homeowners slowly, it falls in the middle of the pack for the 18 states and Washington, D.C., that also received money through the Hardest Hit Fund.
 
 
 
Oregon had spent about 40 percent of its allocation which is $88.7 million by end of the third quarter in 2012.  This is the latest date provided by the U.S. Department of Treasury. Washington, D.C.  Rhode Island on the other hand, according to the RGJ analysis, follows by using more than 30 percent of their money.
 
Arizona is the state slowest to spend, only $11.6 million was spent which is 4 percent of its $268 million.  6 percent of their share was spent by New Jersey, Georgia and Indiana.
 
According to the administration responsible for the money in Nevada, the said slowness of distributing the funds to responsible people who need the funds and stabilize the economy is sensible.  But Joecks sees otherwise, they have had three years to develop a more efficient process.
 
Joecks also countered the program for only helping rareness of underwater homeowners in Nevada. That’s not enough to make a difference in the overall housing market, he said
 
According to the latest data released by real estate data provider CoreLogic in January, the total value of all U.S. homes with negative equity during the third quarter of 2012 was $658 billion.
“States have to make decisions about how to balance helping homeowners and protecting taxpayers because it’s a government-funded program,” Risotto said. “All the states have been looking closely at their data that they are gaining from the first months of their program implementation and trying to make smart decisions about who is still struggling in their state and how they can best reach them to prevent foreclosure.”
 
The Hardest Hit Fund is just one tool in a host of other offerings to help distressed homeowners, U.S. Treasury officials said.
 
“It is a targeted program to help address some of the needs struggling home owners are facing in these states,” Risotto said. “It is meant to complement many of the other efforts federal and state governments already have under way and that mortgage companies, themselves, are offering today, that they weren’t even offering a year ago.”
 
Lately, the help to distressed homeowners sped up, the nonprofit Nevada Hardest Hit Fund has its distribution of U.S. Treasury funds a bit more faster.
 
“We are trying to be appropriately conservative with administrative costs,” Kelley said. “We want to make sure we have the right people on hand so that we can quickly respond to these applicants.”
 
In answer to the boost in applications this year, the Nevada Hardest Hit Fund gave jobs to more than 40 people. It has nearly tripled that number through community partnerships to process the applications.
 
Before the application process was put on hold in mid-December for those already in the pipeline, the nonprofit was getting at least 800 phone calls a day, Kelly said. She was unable to say how many borrowers currently are in the application process.
 
With the current trajectory of funds being approved, she said, hey will allocate all of the $194 million before the 2017 deadline.
 
“We suspect that the future outlays for the months to come will continue to be more and more aggressive because the demand is there,” she said. “We have expanded out partnerships so that we can respond in a faster way.”
 
The participating states expect that they will have spent a majority of the allocated funds by 2014, three years ahead of schedule, Risotto said. Rhode Island closed its application process in January, because it already has committed all of its funds. Several other states are expected to close this year also.
 
“We are all very committed to getting the assistance out of the door as quickly as possible while the need is still so great,” she said."

"We all know that to easily apply for loans, applicants must have the best qualifications or some may even refer to it as “triple threat”.  One must have an excellent credit rating, a large down payment, and low debt-to-income ratio with steady significant income.  This isn’t easy for everyone, some may have bad credit but they do not have to forget about the idea of owning a home.  If previously been turned down for a load, homebuyers can still get a home loan.
Do not loose hope because even with bad credit you can help improve your chances for obtaining a mortgage, here is how:

source: http://springhillgrouphome.com/2013/01/how-to-apply-home-loan-with-bad-credits/
"

Springhill Group has been providing solutions that improve health and quality of life for those in need. Springhill is focused on patients and dedicated to delivering quality patient care and service. We provide patients with the care they need and the comfort and independence they deserve.

Clinical Service Delivery: Responding to the unique needs of patients and their families by offering skilled nursing care, and home safety evaluations.

Springhill’s patient-centered care is customized to meet the requirements of each patient and allows them to remain in the comfort of their homes.
Quality Improvement: Routine review of policies, processes and procedures enables Springhill Group’s to continuously improve its standard of care delivery.

Quality Improvement: Routine review of policies, processes and procedures enables Springhill Group’s to continuously improve its standard of care delivery.



Healthcare Technology: Investment in healthcare technology allows Springhill to further improve services and to greatly enhance communication as well as invest more in the quality of patient care through increased efficiency.

Patient-Centered Care: Springhill’s patient-centered care is customized to meet the requirements of each patient and allows them to remain in the comfort of their homes.

Quality Improvement: Routine review of policies, processes and procedures enables Springhill Group’s to continuously improve its standard of care delivery.

Healthcare Technology: Investment in healthcare technology allows Springhill to further improve services and to greatly enhance communication as well as invest more in the quality of patient care through increased efficiency.

Clinical Service Delivery: Responding to the unique needs of patients and their families by offering skilled nursing care, and home safety evaluations.

Patient-Centered Care: Springhill’s patient-centered care is customized to meet the requirements of each patient and allows them to remain in the comfort of their homes.

Quality Improvement: Routine review of policies, processes and procedures enables Springhill Group’s to continuously improve its standard of care delivery.

Springhill Group has been providing solutions that improve health and quality of life for those in need. Springhill is focused on patients and dedicated to delivering quality patient care and service. We provide patients with the care they need and the comfort and independence they deserve.



Clinical Service Delivery: Responding to the unique needs of patients and their families by offering skilled nursing care, and home safety evaluations.



Patient-Centered Care: Springhill’s patient-centered care is customized to meet the requirements of each patient and allows them to remain in the comfort of their homes.

"A Los Angeles man was sentenced to six years in prison last week for his role in a power wheelchair scam, topping what prosecutors say has been a series of Medicare fraud cases.
David James Garrison, 50, a former physician assistant, was found guilty by a federal jury for his role in submitting $18.9 million in fraudulent Medicare claims for power wheelchairs and other equipment.
The wheelchair case is the third time Garrison has been accused of Medicare fraud.
In 2009, Garrison pleaded no contest to tax evasion for his role in what prosecutors described as a fraudulent medical clinic. He pleaded not guilty in October to charges that he forged prescriptions as part of an OxyContin ring that sold 1 million pills on the streets. That case is ongoing.
Garrison's attorney did not return a call for comment about the cases.
Garrison's physician assistant license lapsed in 2009, said Russ Heimerich, a spokesman for the Department of Consumer Affairs, which oversees many state licensing boards. He said the board examined the tax evasion case and did not see it as grounds for discipline.
According to court documents, Garrison's cases involved the use of “cappers” or “marketers” who recruited Medicare beneficiaries to submit to unneeded care or hand over their personal information. That information was used to bill the program for medications, services or supplies that the patients didn’t need.
In the wheelchair case, prosecuted by the Los Angeles U.S. attorney's office, one witness testified that  marketers had to recruit beneficiaries as far as 300 miles from Los Angeles because so many local people had already been used in other fraud schemes.
In the first health fraud case linked to Garrison, he was described as an “at large” suspect in October 2007 when then-Attorney General Jerry Brown announced arrests in a $1.5 million health fraud scam.
"The suspects create a fake healthcare clinic to line their own pockets rather than help the sick and elderly," a 2007 statement from Brown said.
In that case, Garrison was accused of ordering medically unnecessary diagnostic tests at Scott Medical Center in Burbank, where he had worked since 2003. Medicare and Medi-Cal beneficiaries were recruited to go to the clinic, where expensive tests were ordered and billed to the government.
Garrison pleaded no contest to tax evasion in 2009 related to his earnings from the clinic. 
When federal authorities arrested Garrison in the wheelchair scam in 2010, he was also charged for keeping a .357 handgun in an unlocked hatbox near the front door of his Inglewood apartment. Garrison pleaded no contest in 2010 to being a felon in possession of a firearm.
Heimerich said while the gun case was prosecuted by the state, it arose from a federal arrest that did not trigger a notice to the physician assistant licensing board. Also, he said a state court clerk was required to notify the board but did not.
During a two-week trial, evidence showed that Garrison worked at Van Nuys and Los Angeles clinics where he wrote prescriptions and ordered tests on behalf of six doctors, including one whose photo he couldn't identify.
With Garrison’s prescriptions in hand, co-defendant Edward Aslanyan sold them for $1,000 to $1,500 to owners of about 50 different medical equipment firms. The medical supply companies used the prescriptions to buy the chairs from wholesalers for about $900, then billed Medicare for up to $5,000 per chair.
The hefty profit margins have made the wheelchairs a major target for Medicare fraud throughout the U.S. Garrison and Aslanyan wrote and sold the prescriptions from March 2007 to September 2008, prosecutors said.
A jury found Garrison guilty of conspiracy to commit health care fraud, six counts of health care fraud and one count of aggravated identity theft. Aslanyan pleaded guilty to his role in the scam and was sentenced to six years in prison as well.
According to Assistant U.S. Attorney David Kirman, the medical equipment firms included one run by a pastor, Christopher Iruke, who relied on members of the Arms of Grace Christian Center to perpetuate  Medicare fraud.
Court documents show that two Garrison acquaintances told a defense investigator that he was their children's track and field coach and was honest and well-liked. One parent said Garrison's "integrity is unshakable."
In November, Garrison faces trial on drug charges related to a clinic that allegedly forged prescriptions for the addictive and powerful painkiller OxyContin, which was sold on the street for up to $30 per pill.
Prosecutors say he worked there from the summer of 2009 to February 2010. He has pleaded not guilty.
In that case, federal prosecutors allege that Garrison worked as a physician assistantat an Eighth Street clinic in Los Angeles where recruiters offered Medicare and Medi-Cal patients cash or free medical care to go to the clinic.
There, Garrison and others met briefly with patients and issued prescriptions of 90 top-strength OxyContin pills. Other members of the alleged drug ring went with the patients to obtain the pills from pharmacies and gave them to another man who sold them on the street.
Garrison told investigators that he issued the prescriptions if he felt the patients needed pain medications or had been taking OxyContin.
View this story on California Watch"

Springhill Group Home is a housing finance company with the principal goal of achieving a social requirement of motivating home ownership by offering long-term finance to households. Springhill Group Home has turned the idea of housing finance in Springhill into a world-class business venture with outstanding reputation for dependability, honesty and outstanding services.

Springhill Group Home is a housing finance company with the principal goal of achieving a social requirement of motivating home ownership by offering long-term finance to households. Springhill Group Home has turned the idea of housing finance in Springhill into a world-class business venture with outstanding reputation for dependability, honesty and outstanding services.

Springhill Group Home has a wide network of contacts from different loan companies within United States and Asia catering to towns & cities spread across the country providing housing loans and property advisory services.

"http://article.joinsmsn.com/news/article/article.asp?total_id=3085827&cloc=

 

South Korean Police said yesterday they have Busted ares fifteen-Member Group that faked the Adoption of Children to pull off ares Real-Estate Scam.

The ring earned about four hundred eighty million Won ($ four hundred and seventy-nine thousand five hundred twenty) abusing are housing Law that Gives preference to are private Home Buyer Children are healthy and child or with an. The ringleader while WAS 14 Others Arrested, Including Real Estate Brokers and loan shark are, Were charged but not detained, said spokesman for the Seoul Metropolitan Police Agency are. Government Regulations FIX anti-speculation the price of some Apartments built privately and Reserve ares are seen as what percentage of homes for deserving applicants. Officials are trying to Overcome Traditional reluctance in South Korea are, which places stress on Great Family Bloodlines, to Adopt Children. Police said the loan shark visited ares Street vendor last July and received 10 million won. Return to rights he waived in HIS HIS Daughters are let and Street Cleaner “Adopt” them. The Street Cleaner used to the Adoption Document to Secure rights are Buy Luxury Condominium but are resold the rights to high School Teacher. Using fake Adoption Documents, the Obtained the right ring to Buy Apartments in Seoul and nearby Cities twenty-one. Police also charged 20 biological and nineteen “adoptive parents” for accepting up to 10 million Won in Each Case. AFP"

The ringleader while WAS 14 Others Arrested, Including Real Estate Brokers and loan shark are, Were charged but not detained, said spokesman for the Seoul Metropolitan Police Agency are. Government Regulations FIX anti-speculation the price of some Apartments built privately and Reserve ares are seen as what percentage of homes for deserving applicants. Officials are trying to Overcome Traditional reluctance in South Korea are, which places stress on Great Family Bloodlines, to Adopt Children.

The “Forensic Audit’ Loan Modification Scam
This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping their home. The provider of such a noble service simply charges an upfront fee.

Government Regulations FIX anti-speculation the price of some Apartments built privately and Reserve ares are seen as what percentage of homes for deserving applicants. Officials are trying to Overcome Traditional reluctance in South Korea are, which places stress on Great Family Bloodlines, to Adopt Children.

Police said the loan shark visited ares Street vendor last July and received 10 million won. Return to rights he waived in HIS HIS Daughters are let and Street Cleaner “Adopt” them. The Street Cleaner used to the Adoption Document to Secure rights are Buy Luxury Condominium but are resold the rights to high School Teacher.

According to the article, the spokesman for the attorney general, Evan Westrup, explained that “It’s the latest phony foreclosure-relief ’service’ by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren’t helping or providing the relief they need.”
The “Forensic Audit’ Loan Modification Scam
This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping their home.

Home Buyer Children are healthy and child or with an. The ringleader while WAS 14 Others Arrested, Including Real Estate Brokers and loan shark are, Were charged but not detained, said spokesman for the Seoul Metropolitan Police Agency are. Government Regulations FIX anti-speculation the price of some Apartments built privately and Reserve ares are seen as what percentage of homes for deserving applicants. Officials are trying to Overcome Traditional reluctance in South Korea are, which places stress on Great Family Bloodlines, to Adopt Children.

The “Forensic Audit’ Loan Modification Scam
This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping their home. The provider of such a noble service simply charges an upfront fee. Tragically, the audits provide no benefit, as they have nothing to do with helping those facing foreclosure proceedings.

Most builders understand that laying a strong foundation is the key to constructing a good home. Do the job right and the structure will be stable. Do it wrong and it could collapse in Spring Hill.
Local Companies

Edward Jones - Financial Advisor: Manny Tsesmelis
352-686-0338
5173 Mariner Blvd
Spring Hill, FL 34609

Springhill Group Home is a housing finance company with the principal goal of achieving a social requirement of motivating home ownership by offering long-term finance to households. Springhill Group Home has turned the idea of housing finance in Springhill into a world-class business venture with outstanding reputation for dependability, honesty and outstanding services.

Most builders understand that laying a strong foundation is the key to constructing a good home. Do the job right and the structure will be stable. Do it wrong and it could collapse in Spring Hill.
Local Companies

Edward Jones - Financial Advisor: Manny Tsesmelis
352-686-0338
5173 Mariner Blvd
Spring Hill, FL 34609

Springhill Group Home is a housing finance company with the principal goal of achieving a social requirement of motivating home ownership by offering long-term finance to households.

Springhill Group Home has turned the idea of housing finance in Springhill into a world-class business venture with outstanding reputation for dependability, honesty and outstanding services.

Most of the federal bailout money pledged through the Hardest Hit Fund, a program meant to help ailing homeowners in states especially battered by the housing crisis, has gone unspent, according to a report released Wednesday by a government watchdog. And most of that was used for unemployment assistance, not refinancing mortgages.

The World Bank (WB) plans to complete a mid-term evaluation strategy for cooperation with the Government of Azerbaijan (2011-2014) by the end of autumn, Baku representation of the Bank told Trend.

“The lending programme for the remaining two years will be determined after the completion of the evaluation. It will be prepared in accordance with the priorities of the Azerbaijani Government towards foreign loans,” the office said.