♫ Should we stay ... or ... should we go? ♪

This recently published book is a must read for everyone who owns (or hopes to own) residential property.

This is particularly true if your house is in jeopardy of foreclosure because of payment issues, OR, if you are underwater, and owe more on your mortgage than the current value of your home.

The article below explains your legal rights regarding Predatory Lending and Securities Law violations. Most loans have such violations!

Is Obama Captured? -- The New ... New Mortgage Scam

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Buy a copy of:

We offer a book, which shows all current and future homeowners (not just those under mortgage stress):

• How and why we reached current financial distress.
  
  
• Alternative options and actions.
  
  
• How to take control -- under your terms.
  
  
• Discover if you were a victim of Predatory Lending.
  
  
  • If so, you may be able to have your mortgage rescinded.
    
    
  • And, in a settlement with the lender, have your mortgage modified, with an interest rate and loan principle reduction.
    
    
  • Alternatively, you may be able to walk away owing nothing and possiblly receive monetary damages.
    
    
  • If certain violations exist, it will be literally: Your Choice.
    
    
• Some say most mortgages issued since 2000 contain Predatory Lending violations, and otherwise violate Federal and/or State laws.
  
  
• Every current and future home owner needs to read this book in order to discover all of the options available to protect your family.
  
  
• We believe this to be the ultimate source at book length to clearly explain everything stated above and more in a historical time frame.
  
  
• Every current and future home owner needs to read this book in order to discover all of the options available to protect their families.
  
  
• We also call the book: Homeowner's Economics 101.
  
  All economic terms are explained in common sense language.
  
  
• In the book we explain why former Secretary of the Treasury Paulson had to pressure Congress for the largest bailout in history. This was done to protect the interests (and the "bonuses") of Wall Street over the security of Main Street.
  
  Through Financial Capitalism over Industrial Capitalism, they've destroyed the Middle Class, sent our jobs overseas, and have now literally doomed the financial system as we have known it since enormous debts were taken on beginning in the Vietnam War.
  
  It is not a "credit crunch" as they claim, it is a "debt crunch," unsustainably based on debt that will never be repaid. Is it smart to continue to pay on a house loan of $400,000 when the house is only worth $310,000. It's not smart. In fact because of Predatory Lending Violations and Securitiies Law issues you should not do it.
  
  You can and should take the ethically and morally high ground.

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  Save Your Home:
  
  Use the Law.
  
  

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  Below is our opinion on the inevitable Price Discovery, which will lower the value on all American homes to historic Income to Debt levels. This is take from the on page 9.   
  

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  “In its simplest definition, Price Discovery is a method of determining the price for a specific commodity or security or product through basic supply and demand factors related to the market. In addition, Price Discovery is the general process used in determining prices. Prices are dependent upon market conditions, which affect demand. For example, if the demand for a house is higher than the supply, the price will typically increase, and vice versa. Yet, if the money available to purchase houses is greatly increased and loan standards are loosened – risk is ignored, rather passed on to a Greater Fool (Institutional Investors) – the result will always be a Housing Bubble.
  
  Price Discovery for the Federal Reserve and the U.S. Treasury is discovering various “Plans” to “keep people in their homes” (to bailout Investment Banks) have failed. [They have.]
  
  Price Discovery for Investment Banks is discovering that Mortgage Backed Securities are marketable at 30 cents on the dollar; and Institutional Investors are suing you to buy them back at face value. [They are.]
  
  Price Discovery for local, regional and national home lending institutions is discovering that 50% of your privately held “portfolio” properties have been been vacated (foreclosed by you or walked away from by the borrower); and you further discover that you can only sell them at 50-70% of the note value because there are so many similarly distressed properties on the market that prices have dropped dramatically.
  
  Price Discovery for Realtors and other housing and mortgage professionals is discovering that the real estate market has returned to a normal and balanced market. You can once again do business assisting sellers to sell and buyers to buy homes that now have affordable prices based on historical loan to value ratios and income to debt ratios.
  
  Price Discovery for residential investors who’ve been priced out of the market is discovering in early 2009 that lenders have given up and are selling Real Estate Owned (REO) properties at absolute auctions (no minimum bid). Once again you can purchase properties at auction for “buy and hold,” meaning that rentals will enable the deals to cash flow.
  
  Price Discovery for homeowners living in underwater homes is waking up every morning for the next 3-4 years (if lucky) to discover that your home continues to decrease in value, yet your house payment increases, or remains the same.
  
  Price Discovery for homeowners who walked away from underwater homes is discovering that a home similar to the one you bought 2-3 years ago at $400,000 (and walked away from at $300,000), can be purchased by you with the down payment you saved (over the last three years) for $250,000 – and you do it.
  
  Price Discovery brings you back to an affordable home – the Restored American Dream.
  
  Price Discovery then may ultimately be evidenced by house values returning to their pre-bubble prices from 6-10 years ago. Thus, reversion to the mean, which occurs in nearly every bubble throughout history. Homes become affordable once again.
  
  This will happen. Every bubble in history crashes and so will this one. We’ve only begun to see the down-side. If you are underwater, how deep is the water? How long does it take to get to the bottom before you go back up and resurface. We believe and will attempt to prove in this book that the more people who walk away – and the sooner they do it – the sooner the bottom will be achieved in housing, A bottom that induces potential buyers to come back into the market. The longer it takes – the deeper the bottom. What is the point of staying underwater – of drowning – with unrelenting financial and emotional stress on your family?
  
  In Choose Foreclosure, we explain all of this. But, please, remember what Price Discovery really is and how it applies to you. Think of Price Discovery as the underlying or sub-theme for this book, and how, ultimately Price Discovery is your friend – if you’ve taken action to protect your family by withdrawing from the market while it is resetting.”
  

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  Please understand that the book went into print before the oncoming equity crash actually crashed. 
  
  Below we offer another short excerpt from the book, Chapter 3, The Political Economy, Pgs. 83-84
  

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  “Based on facts presented here, it has been easy enough to be negative. Doom and Gloom. We believe it’s our obligation (and our pleasure) to present a positive outcome. Below is one idea in our arsenal that is practical, doable and very arguably holds merit.
  
  We believe that the simplest way to immediately re-industrialize, give the nation something to believe in and rebuild the Middle class is to build a National High Speed Rail Transit System, to move the goods and people. This would immediately create employment throughout the nation, while reducing our reliance on, and need, for massive amounts of expensive non-renewable petroleum, purchased from nation’s that are frankly not our friends – and based on Centuries old tribal culture – are not likely to be our friend’s anytime soon. 
  
  Adopting such a monumental program will enable us, on a cost productive basis, to extend the National Rail System – Amera-Rail – by building thousands of miles of inter and inner-city light rail systems. To help fund the entire System, we will be able to export all of the above (for profit) to the Americas, both North and South. Build the world’s state-of-the-art transportation system (an infrastructure investment) and encourage our closest neighbors to become our best trading partners.
  
  Nothing wrong with that, it’s purely economic driven, not political, though it makes good sense politically. We can then invite the World to come to our Hemisphere, bring their money, buy an Amera-Rail pass and tour the historic locations and magnificent vistas of our nations – North and South.
  
  Bringing the Future Today. As we face the consequences of imprudent economic dislocation, we’ll state belief that a politician, a President, that put the country back to work by implementing a high speed rail system would be considered by History as a Savior, as Franklin Delano Roosevelt was the by the people he led from the grinding poverty of a World Wide Great Depression. (Jack Kennedy said – we’ll shoot the moon.  We did. And, they shot him. Moreover, perhaps for issuing U.S. Treasury Notes as Official U.S. currency.) 
  
  And, while we’ll cede a large point for those that argue that Hitler provided the actual reason for building up our industries, which certainly helped end the Great Depression, the overriding point that perhaps we can all agree on, is that we must invest monies for infrastructure here at home – to create jobs here at home. While labor arbitrage has been wildly advantageous to Structured Finance, that took our industrial capacity hostage, ultimately it works to the disadvantage of a balanced economy. Snake eats tail and keeps on eating.
  
  Domestic productive investment, with the goal of reaching full employment and real National Wealth, which will enable all boats to float again; and moreover, create the possibility of fair distribution of income. In a sincere attempt to avoid political judgments, we’ve not introduced the unbalanced distribution of wealth prior to this point. Now we have. Our country has been hollowed out economically because wealth is distributed disproportionably at the top. Most politicians have aided and abetted in this process. Period. [Note: Not Ron Paul we state in appeasement.]
  
  Clearly, history has shown that a strong and prosperous middle class is the engine for growth. American consumers have lately provided 70% of Gross Domestic Product (GDP). Over the last eight years, the money came from consumers piling on debt enabled by inflated house values, not by increasing wages. To the contrary the hollowing of our economy, and our middle class, the destruction of our productive capacity leaves us terribly vulnerable to the downturn created by Structured Debt Finance. It will not be pleasant.
  
  Yet, those who are smart enough to step to the sidelines – walk away from underwater homes – will have the opportunity to literally save their money and plan for a bright new day. This may seem too be good to be true, but, remember – making the decision to walk away – requires a tremendous amount of courage, strength, commitment and immediate sacrifice through downsizing. We ask: is it better to be safe – or risk being very very sorry?"
  

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