199738 57 Business & Finance Personal Finance Home Finance true Tue, 07 Jul 2009 16:04:55 -0700 /system/videos/0/38/97/19/199738.flv business, finance, personal, home, house, saving, foreclosure, money, preventing, losing How To Save Your Home From Foreclosure http://www.howcast.com/videos/199738-How-To-Save-Your-Home-From-Foreclosure http://www.howcast.com/videos/199738-How-To-Save-Your-Home-From-Foreclosure/edit approved 116 640 360 <object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=199738"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=199738" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 5 carlo_scialla http://img.howcast.com/system/thumbnails/199738/carlos_save_your_home_from_foreclosure_sm_xxlarge_maintained_aspect.jpg 887 false false false 76439 1 18 Step http://img.howcast.com/system/thumbnails/199738/18.jpg Talk to your lender Arrange a meeting with your lender as soon as you realize you’re having problems making your monthly mortgage payments. Discuss repayment plans that will allow you to stay in your home.

]]> 76440 2 27 Step http://img.howcast.com/system/thumbnails/199738/27.jpg Avoid scam artists Beware of anyone who says they can help you avoid foreclosure for an upfront fee. They are most likely scam artists.

]]> 76441 3 34 Step http://img.howcast.com/system/thumbnails/199738/34.jpg Ponder your options Consider what sacrifices you could make that would enable you to make your payments. Could you take in a boarder? Sell a car? Take on another job?

]]> 76442 4 43 Step http://img.howcast.com/system/thumbnails/199738/43.jpg Ask for mortgage modification Ask if you can modify your mortgage to make your payments more affordable. Options include adding your missed payments to the existing loan balance, lowering your interest rate, or extending the number of years you have to repay the loan.

]]> 76443 5 54 Tip If your mortgage is insured by the Federal Housing Administration, try to negotiate a one-time interest-free loan that you won’t have to repay for several years.

]]> 76444 6 62 Step http://img.howcast.com/system/thumbnails/199738/62.jpg Request forbearance Explore the possibility of forbearance: The lender agrees to reduce or suspend your payments for a set period of time, after which point you agree to begin paying regularly again.

]]> 76445 7 73 Step http://img.howcast.com/system/thumbnails/199738/73.jpg Negotiate a repayment plan Negotiate a plan that allows you to repay missed mortgage payments by adding a portion of them to your current monthly payment until you’re caught up.

]]> 76446 8 81 Step http://img.howcast.com/system/thumbnails/199738/81.jpg Talk to an HUD counselor If you and your lender are unable to agree on a solution, contact a Housing and Urban Development counselor for help. Find one in your area by going on their web site, hud.gov.

]]> 76447 9 91 Tip Don’t confuse the official government site, which ends in “.gov,” with web sites using similar names.

]]> 76448 10 98 Step http://img.howcast.com/system/thumbnails/199738/98.jpg Have HOPE Call HOPE NOW for homeowners, a government-approved program that helps borrowers refinance their mortgage. Visit hopenow.com for information and a telephone number.

]]> 76449 11 108 Fact Seventy percent of homeowners who are delinquent on their mortgage payments aren’t aware of the help that’s available to them.

]]> 48 150908 How To Build a Nest Egg HowcastGuide 1046 Tue, 24 Feb 2009 04:06:08 -0800 4 bencheek ]]> 138 http://media.howcast.com/system/videos/2/08/09/15/150908.flv business, finance, building, saving, money, retirement, funds, investing, investments Business & Finance Personal Finance General Personal Finance 0 http://img.howcast.com/system/thumbnails/150908/nest_egg_hd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/150908-How-To-Build-a-Nest-Egg 48 171776 How To Prepare an Emergency Fund HowcastGuide 1233 Mon, 13 Apr 2009 04:06:09 -0700 4 pscerri ]]> 108 http://media.howcast.com/system/videos/3/76/17/17/171776.flv financing, finance, preparing, saving, money, cash, emergencies, financial, fund, expenses Business & Finance Personal Finance General Personal Finance 2 http://img.howcast.com/system/thumbnails/171776/prepare_emergency_fund_hd_1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/171776-How-To-Prepare-an-Emergency-Fund 48 212507 How To Check Out a Financial Adviser HowcastGuide 802 Fri, 24 Jul 2009 04:07:34 -0700 4 pscerri ]]> 100 http://media.howcast.com/system/videos/1/07/25/21/212507.flv finance, business, adviser, advisor, financial, madoff, burned, checking, investigating, choosing Business & Finance Personal Finance General Personal Finance 1 http://img.howcast.com/system/thumbnails/212507/check_out_a_financial_adviser_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/212507-How-To-Check-Out-a-Financial-Adviser 48 237568 How To Save Money By Eliminating 10 Things You Don't Need HowcastGuide 3842 Mon, 21 Sep 2009 11:04:09 -0700 24 BARKBARK ]]> 142 http://media.howcast.com/system/videos/6/71/00/24/240071.flv Save, Money, Finance, Budget, Consume, Consumer, Cost, Price Business & Finance Personal Finance General Personal Finance 6 http://img.howcast.com/system/thumbnails/237568/save_money_ten_things_hdstill02_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/237568-How-To-Save-Money-By-Eliminating-10-Things-You-Dont-Need 48 239119 How To Help Your Friends and Neighbors Save Money on Energy HowcastGuide 1288 Thu, 10 Sep 2009 13:03:27 -0700 0 CreateTheGood ]]> 154 http://media.howcast.com/system/videos/6/06/80/23/238006.flv AARP,saving,money,friends,neighbors,getting,helping,reducing,environment,using,less,bills,decreasing,smaller Business & Finance Personal Finance General Personal Finance 0 http://img.howcast.com/system/thumbnails/239119/save_energy_hd_1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/239119-How-To-Help-Your-Friends-and-Neighbors-Save-Money-on-Energy 48 268602 How To Be Smart About Saving HowcastGuide 478 Sun, 01 Nov 2009 04:02:57 -0800 3 BajillionairesClub ]]> 127 http://media.howcast.com/system/videos/5/35/08/27/270835.flv smart,saving,money,finance,accumulating,future,strategies,wealth,rich,retirement Business & Finance Personal Finance General Personal Finance 0 http://img.howcast.com/system/thumbnails/268602/smart_about_saving_hdstill02_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/268602-How-To-Be-Smart-About-Saving 50 466 How To Live on a Budget HowcastGuide 16313 Mon, 17 Dec 2007 07:00:24 -0800 42 bender ]]> 146 http://media.howcast.com/system/videos/4/66/04/466.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, live, on, budget, broke, cheap, poor, get, by, spend, less, money, minimum, wage, college, university, student Business & Finance Personal Finance Budgeting 14 http://img.howcast.com/system/thumbnails/466/Business.How_to_Live_on_a_Budget_SD_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/466-How-To-Live-on-a-Budget 50 271893 How To Stop Spending Money For 30 Days HowcastGuide 301 Fri, 20 Nov 2009 05:29:47 -0800 2 carlo_scialla ]]> 123 http://media.howcast.com/system/videos/5/59/36/28/283659.flv stop,spending,money,thirty,days,budgeting,saving,finances,cash,economy,shopping Business & Finance Personal Finance Budgeting 0 http://img.howcast.com/system/thumbnails/271893/CarloScialla_HT_Stop_Spending_Money_hdstill06_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/271893-How-To-Stop-Spending-Money-For-30-Days 53 155471 How To Consolidate Debt HowcastGuide 1481 Fri, 06 Mar 2009 05:47:51 -0800 10 bencheek ]]> 124 http://media.howcast.com/system/videos/1/71/54/15/155471.flv debt, interest, rid, smaller, reduce, get out, money, finance, loans, credit Business & Finance Personal Finance Debt 1 http://img.howcast.com/system/thumbnails/155471/consolidate_debt_hd1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/155471-How-To-Consolidate-Debt 55 649 How To Get Paid For Donating Plasma HowcastGuide 63815 Fri, 18 Jan 2008 07:08:18 -0800 28 ZUCHERO ]]> 112 http://media.howcast.com/system/videos/5/49/06/649.flv become, becoming, business, cash, DIY, Do It Yourself, donate, donating, donor, Essential Skills, fast, finance, get, getting, Instructional, Learn to, make, money, paid, personal, plasma, Tips, tutorial Business & Finance Personal Finance Fast Cash 6 http://img.howcast.com/system/thumbnails/649/ppn_greencard_donate_plasma_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/649-How-To-Get-Paid-For-Donating-Plasma 55 1942 How To Successfully Beg For Money HowcastGuide 16861 Mon, 25 Feb 2008 09:27:24 -0800 29 Chris_Davis ]]> 84 http://media.howcast.com/system/videos/3/42/19/1942.flv beg, beggar, begging, business, cash, cheap, DIY, Do It Yourself, Essential Skills, free, get, homeless, Instructional, Learn to, money, need, poor, street, success, successfully, Tips, tutorial Business & Finance Personal Finance Fast Cash 3 http://img.howcast.com/system/thumbnails/1942/ppn_davis_beg_for_money_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/1942-How-To-Successfully-Beg-For-Money 55 3100 How To Live on Practically Nothing HowcastGuide 34338 Mon, 14 Apr 2008 07:03:13 -0700 45 Chris_Davis ]]> 89 http://media.howcast.com/system/videos/6/00/31/3100.flv bargain, broke, business, cash, cheap, deal, DIY, Do It Yourself, Essential Skills, finance, income, Instructional, Learn to, lifestyle, live, living, low, money, poor, survive, surviving, Tips, tutorial Business & Finance Personal Finance Fast Cash 11 http://img.howcast.com/system/thumbnails/3100/ppn_davis_live_on_practically_nothing_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/3100-How-To-Live-on-Practically-Nothing 55 14326 How To Have a Yard Sale HowcastGuide 4602 Mon, 16 Jun 2008 14:56:56 -0700 19 Dynamic ]]> 188 http://media.howcast.com/system/videos/4/26/43/01/14326.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal Business & Finance Personal Finance Fast Cash 1 http://img.howcast.com/system/thumbnails/14326/yard_sale_hd_01_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/14326-How-To-Have-a-Yard-Sale 55 28936 How To Find a Legal Loan Shark HowcastGuide 8049 Wed, 03 Sep 2008 06:01:28 -0700 6 ThirdPro ]]> 119 http://media.howcast.com/system/videos/5/36/89/02/28936.flv business, finance, personal, fast, cash, finding, loan-shark, loan, shark Business & Finance Personal Finance Fast Cash 0 http://img.howcast.com/system/thumbnails/28936/legal_loan_shark_hd_3_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/28936-How-To-Find-a-Legal-Loan-Shark 55 149074 How To Get Free Stuff HowcastGuide 7853 Sat, 21 Feb 2009 04:06:07 -0800 37 Dynamic ]]> 159 http://media.howcast.com/system/videos/2/74/90/14/149074.flv fashion, shopping, spending, money, cheap, deals, bargains, buying, easy Business & Finance Personal Finance Fast Cash 1 http://img.howcast.com/system/thumbnails/149074/Dynamic_HT_Get_Free_Stuff_still1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/149074-How-To-Get-Free-Stuff