-" I HAVE FULL FAITH IN GOD AND LIFE THAT WE WILL ALWAYS HAVE A GOOD ROOF OVER OUR HEADS REGARDLESS OF HOUSING MARKET CONDITIONS AND CHALLENGES THAT MAY ARISE!!!!"

LOAN MOD HAS BEEN APPROVED, I HAVE SECURED 5 YEARS OF  PAYING 1310 A MONTH (Good), LOAN MOD DOCUMENTS CLEARLY STATES THAT  I AM NOT OBLIGATED TO FINALIZE THE LOAN DUE TO THE CHAPTER 7 I FILED 1 YEAR AGO,. HOME HAS BEEN ESTABLISHED AT 350K (REAL MARKET VALUE 220K, 130K UNDER WATER!!!) @ 40 YEARS at MAX 4.75% INTEREST RATE..

- I HAVE A HELOC WORTH 150 K THAT WAS DISCHARGED ON CHAPTER 7, THIS LOAN CONTINUES TO HAVE A LIEN OVER TAHOE PROPERTY BUT I AM NOT PERSONALLY LIABLE FOR THIS LOAN.


- NEXT STEP IS TO NEGOTIATE WHEN TIME COMES A HELOC PAYOFF @ 5% OF TOTAL AMOUNT AND CONSULT WITH DAVE (LAWYER) FOR ANY FURTHER ADVISE.


- FOR NOW CASE RESTS WITH A MONTHLY PAYMENT @ 1310 LIVING IN TRACY CA IN A REASONABLY GOOD HOUSE....:)


- FOCUS ON SPEADPOINT AND GENERATE THE CASH FLOW NEEDED TO ENJOY LIFE TO ITS FULLEST!!!!

-" I HAVE FULL FAITH IN GOD AND LIFE THAT WE WILL ALWAYS HAVE A GOOD ROOF OVER OUR HEADS REGARDLESS OF HOUSING MARKET CONDITIONS AND CHALLENGES THAT MAY ARISE!!!!"