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We publish blog articles that gives the nation and the world helpful resources, tips, how to's, trends, and best practices related to housing, foreclosure, real estate, short sales, loan modifications, mortgages, formulas, and so much more.

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New Report Shows Homeowners How to Drop PMI Early

Michael Nolen, Founder, CEO October 18, 2016 at 10:53 AM

A new personalized report is now available to homeowners with conventional loans who want to remove private mortgage insurance, or PMI, from their monthly mortgage payment. The PMI Terminator™, a personalized eight page report, is a detailed analysis describing up to eight possible scenarios when borrowers can cancel their PMI early without refinancing and without waiting for the loan balance to reach a pre-determined percentage of the home’s original value.

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Tagged Mortgages, Mortgage Lending, Mortgage Auditing, Mortgage Insurance

Gov. Mortgage Relief Programs End Soon! What’s Next? [My Opinion]

Michael Nolen, Founder, CEO August 10, 2016 at 12:01 PM

Since the collapse of the US housing bubble in 2008, many homeowners have faced the trauma of foreclosure. As an alternative, the government created mortgage assistance programs. While the US housing market has been recovering, many homeowners still find themselves in difficult financial positions. Many are on the verge of delinquency, and some still struggling to get mortgage help.

Is an mortgage help soon to be limited or maybe coming to an end? Is it possible lenders may soon limit loan modification, short sale or deed in lieu of foreclosure programs they offer?

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Tagged Short Sale, Loan Modification, Deed in Lieu of Foreclosure, HAMP, Foreclosure, Making Home Affordable

Michael Nolen to Ride 300 Miles to Help Fight Kids' Cancer

Michael Nolen, Founder, CEO June 1, 2016 at 11:32 AM

Cancer is the largest killer of children from disease in the United States. In fact, 38 children die of cancer every week - And, the Children's Cancer Research Fund is dedicated to finding a cure for childhood cancer!

To help the Children's Cancer Research Fund, Michael Nolen, Founder and CEO of Delmarva Home Relief, has accepted CCRF's Great Cycle Challenge USA.

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Tagged DHR In The News

Hundreds of Mortgage Relief and Debt Relief Operations Banned by FTC

Michael Nolen, Founder, CEO May 26, 2016 at 2:54 PM

On May 25, 2016, attorney's for the FTC's Division of Financial Protection published an announced of the FTC's list of hundreds of companies and people that they put a sequel on their misleading operations.

In this post, we'll share insight about the Federal Trade Commission's publication and some tips for shopping for a mortgage relief or debt relief company.

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Tagged Short Sale, Loan Modification, Deed in Lieu of Foreclosure, Mortgages, Foreclosure, Credit Reporting, Federal Trade Commission

Short Sale VS Deed In Lieu: Which is Really Better?

Michael Nolen, Founder, CEO May 26, 2016 at 9:00 AM

Loan modification denied? What next? When you find out a home loan modification is not an option, you may begin to panic! You get confused, lost, or alone without options. Most get concerned about foreclosure and the F.E.A.R. of a foreclosure sale begins to set in.

So, what are your alternatives to foreclosure? It may be a short sale or deed in lieu! There are many misconceptions about both programs. In light of the myths, I'll help you solve the two primary differences between both programs

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Tagged Short Sale, Deed in Lieu of Foreclosure

10 Summer Ocean City Events Locals Love (and You Should Too!)

Michael Nolen, Founder, CEO May 25, 2016 at 9:00 AM

Many vactioners and newer beach house owners often like to know what locals do in Ocean City. 

After spending some time here, you get a feel for your favorite spots to lay back and relax. The best way for newcomers to find out about local events and cool places is to ask locals for their thoughts or to contact a local real estate rental company. 

In this post, I’ll share 10 Summer Events you should check out while enjoying your time in Ocean City, Maryland this summer.

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Tagged Ocean City MD Real Estate, Ocean City MD Events

5 Mortgages for Buying Ocean Pines Real Estate You Should Know!

Michael Nolen, Founder, CEO May 24, 2016 at 1:00 PM

Did you know it’s simple to find out if you qualify? Put your assumptions aside and call a local mortgage lender. It may be more affordable to buy Ocean Pines, MD real estate than you think!

In this article, I share five different mortgage loans that could help you buy a home in the Ocean Pines, MD area.

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Tagged Mortgages, Buying a Home, Ocean City MD Real Estate, Ocean Pines MD Real Estate

6 Awesome Real Estate Blogs You Should Be Reading

Michael Nolen, Founder, CEO May 18, 2016 at 9:00 AM

Whether you’re a homeowner, future homeowner, or a professional, it’s a necessity to stay up to date with all the new ideas and trends happening. There are millions of blogs online – And it’s humanly impossible to attempt to read them all.

Most of us know the impact the US housing market faced after the bubble burst in 2008. A big problem was the lack of information available to us without going to a salesperson.

In this post, we’re going to highlight six awesome blogs that focus on one thing: real estate. We’ve found some excellent blogs that we wanted to share in hopes that you find educational content when you’re buying a home, selling a home, or looking for some new ideas you didn’t know exist.

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Tagged Mortgages, Buying a Home, Ocean City MD Real Estate, Salisbury MD Real Estate, Ocean Pines MD Real Estate, Buying a Condo

How Interest Rates Today Impacts Home Buying Power?

Michael Nolen, Founder, CEO May 17, 2016 at 1:00 PM

Interest rates today are much lower compared to rates before the collapse of the US housing market. They’re attractive and can give you more power to buy a home.

With the Federal Reserve still uncertain when they’ll raise rates, eligible home buyers may be able to get more mortgage to buy a home.

In this post, I’ll share helpful home buying tips comparing the impact in your home buying power with a lower rate Vs. a higher rate – and how it may impact how much mortgage you can afford.

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Tagged Buying a Home, Ocean City MD Real Estate, Salisbury MD Real Estate, Ocean Pines MD Real Estate, Buying a Condo, How Much Mortgage Can I Afford?

The Home Value Almost Failed an Ocwen Loan Modification?

Michael Nolen, Founder, CEO May 6, 2016 at 2:31 PM

During the process of a recent mortgage assistance request with the Ocwen loan modification department, Ocwen ordered an assessment of the property to get the homeowner's home value using a broker price opinion, BPO for short.

Ocwen determined $5,000 in equity, and denied the application. The homeowner reapplied, and was approved with a $50,000 principal reduction.

In this post, I'll share this homeowners story attempting to get mortgage assistance from Ocwen Loan Servicing.

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Tagged Loan Modification, Ocwen Loan Servicing, Broker Price Opinions, Loan Modification Denied, What Next?, What Is My Home Worth?

Why We Love FHA Loan Modifications (and You Should Too!)

Michael Nolen, Founder, CEO May 6, 2016 at 2:02 PM

You may be wondering why we love a FHA loan modification programs? What's the benefit? It may seems like mortgage lenders are difficult to work with for any mortgage assistance option, so how could we possibly love it. We'll we do!

It's because FHA loan modifications can be more predictable than many other programs if you know how the program and the process works! In this post, I explain some of the key benefits behind FHA programs and why we love them!

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Tagged Loan Modification, FHA Loan Modifications

4 Signs of the Next US Housing Crisis (and Is It Possible?)

Michael Nolen, Founder, CEO May 6, 2016 at 1:00 PM

Many believe the effects from collapse of the US housing market is beginning to stabilize. There are plenty of signs and data showing improvement, but are some signs pointing another direction?

Back in 2005-2007, prior to the financial crisis and the great recession, it seemed mortgage loans were almost as easy to get as candy. Millions of Americans bought into the American dream of homeownership. Hey, if the lender approves you for a loan, you must be able to afford it! Right?

In my opinion, I think there are some concerning factors we need to begin to questions!

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Tagged Mortgages, Housing, U.S Housing Bubble

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