Puede el banco comprar seguro de casa contra mi voluntad?

Si tienes una hipoteca sobre tu casa, tienes que tener seguro contra incendios (hazard/fire insurance) por requisito de banco.  Si no tienes hipoteca (la casa es 100% tuya) aun es muy recomendable que tengas segura por si se quema, etc. Si no tienes seguro el banco te manda un carta enqual te dice que si no obtienes seguro ellos van a obtener el seguro y tu lo tiendes que pagar.Si tienes seguro tienes que mandales copia de la "policy" como prueba.

The Power of the Latino Vote. Let's get something in return

Through our Vote comes Political Power. Through Political Power comes the power to change

how we live, how we are treated, our economic, educational well being, and of course home ownership

and  immigration.

 

So the 2008 Presidential  campaign has started and the Latino vote will be fought for.  Let's make them earn our vote,

lets make them keep their promises (which is very unlikely), and let's, therefore, get something in return for

our community as the candidates seek our vote and supports.

 

Let's get real just immigration reform, affordable housing, have banks better serve us, health care for all, and the list goes on.

 

Here are some highlights about the campaigns and Latinos, from from Cnn.com, http://www.cnn.com/2007/POLITICS/05/31/hispanics.2008.ap/index.html

Latinos are the U.S.'s largest and fastest-growing minority group
• Early voting states Florida, California and New York have large Latino populations
• President Bush captured 40 percent of the Latino vote in 2004, most ever for GOP
• As the Latino population has grown, so has the rate of voting participation

 

Hispanics tend to lean Democratic in national elections, but President Bush showed in 2004 that Republicans have much at stake. Bush captured about 40 percent of the Hispanic vote that year, the most ever for a GOP presidential candidate. His Democratic rival, John Kerry, won 53 percent, down from the 62 percent former Vice President Al Gore garnered in 2000.

California's Hispanic population is nearing 36 percent -- more than double the U.S. average. However, Latino historically vote in numbers well below their share of the population, in part because many are either too young to vote, unregistered or foreign citizens.

Are we making our living at the Cost of the working Poor?

A new study shows that subprime loans are affecting blacks and Latinos more than other groups.
And what is sad is that a lot of these groups could have qualified for non subprime loans.As a real estate and loan agent, I think that many of us perhaps don't intentionally want to hurt our clients, but we fail to do our work and chose the easy path of getting our
client subprime loans because (1) the banks tells that we should because they are easier to get,or (2) we intentionally do it to get a greater compensation.If we really do care about of clients then we should start questioning the loan programs the banks/lenders are asking to submit.
Are we making our living at the Cost of the working Poor?
For more info see
http://money.canoe.ca/News/Sectors/BanksFinance/2007/05/19/4193328-cp.html

Short Sales & Taxes / Venta De Casa Por Menos De Lo Que Se debe al Banco

Very simply: A short sale is when you sell (must sell) your house for less than what you owe the bank on your mortgage.The difference between what you owe the bank and what the bank accepts as sales price may be tax by the IRS as ordinary income, capital gains. Please see a real estate tax expert.

Usted vende su casa por un "Short Sale" cuando tiene que venderla por menos de lo que le debe al banco por la hipoteca. Usted podra tener que pagar impuestos (Federlales, Estateles) en la cantidad de lo que el banco le perdona.