When you select the Quick Reply button, yu'll see FORMATTING HELP on the right - next to the reply box.

Cash for Keys, short sales, sub 2 and all the other ways a homeowner can avoid foreclosure will drive that difference, and given time, the industry of avoiding foreclosure (evidence the growth of scams in this area) will continue to grow as well.At the same time, there are a lot of buttons being pushed and levers being pulled, aka foreclosure moratoriums and loan mod programs aimed at slowing the pace of actual foreclosures.I don't think any reduction in foreclosures is a significant indicator, too many differences between this year and last.

The phone number to call is 712-432-0800and access code is 958028# Remember, unless you want to join in the conversation, please be respectful to others and use your mute button.

They also sold all the REO's they couldThey accomplished a few things herePassed the stress testCleared the backlog of REO'sThey are now ready to handle the flood of REO's coming from the foreclosure backlog.It may not be a conspiracy, it sure looks like a plan

And I am thinking of asking for a modification on it to get them to fix it for a nice low rate.My monthly payments are around $2500/mo depending on the variable rate at the time.....Can you offer a few different ideas on how to structure this so they can move in and I can stop stressing over it?

Or you can get out and find a job, any job, save up for a security deposit on a better place (hell, Milwaukee County R/A basically pays for your entire place so you have to worry about very little rent, if at all), give your kids a better life and cut down on your stress levels.

Jeff Jeff - Just hit the quote button next to the post you want to quote and it'll do it for you.

It keeps life simple and stress free!

BTW, I have been doing some research regarding this issue and I'm looking to maybe replace some hardware with stuff like:Replace toilet internalsExample: Fluidmaster® Complete Toilet Tank Repair KitReplace shower head to a low-flow shower headExample: ACE Hardware Whedon® Deluxe Ultra Saver Shower With Push Button (USB4C)Example: http://www.usalandlord.com/ul15gpm.htmlReplace all kitchen and bathroom facets with a low-flow aeratorExample: http://www.usalandlord.com/5gpmfaae2.htmlI know that you can go crazy by spending more money and install stuff like tank-less water heaters and dual-mode flush toilets, but that starts to get expensive.

StephenOne thing we stress is that the seller, my land trust, does not want to be a landlord and wants to sell the property.