My friend in Phoenix, AZ is thinking of foreclosing his house. The price fell down by 40% since he bought it in 2006. He has no financial trouble but wondering does it still make sense to pay such a high monthly mortgage on his devalued home. Any suggestions?

Thanks.

I live in California and need to have a condo in Phoenix, AZ foreclosed on. It has gone down 100k and I can’t afford it anymore.

Both California and Arizona have anti deficiency laws protecting me. I have talked to two lawyers (one in CA and one in AZ). They both say if my loan is a "non-recourse loan" I am protected.

How do I find out if it is? I have been going through my loan documents, but there is so much information there. I also called CHASE (my lendor), but the woman had NO CLUE what non-recourse meant.
I don’t want to call chase again because someone will probably know I want to foreclose.

I have not refinanced on this loan at all. (I did on my CA house during the 30 years I’ve lived here).

But before stopping payment on the mortgage for the Arizona COndo, I want to be 100% sure my loan is a non-recourse.

HELP!
I just want to make sure I am getting the right information. I have NOT refinanced on the mortgage for the PHOENIX, AZ condo that will be foreclosed on…

I HAVE refinanced on my house in California (that I live in) since moving in 30 years ago.

Are these loans kept separate? I just want to make sure that refinancing (before buying the AZ condo) on my own house won’t affect how the loan for AZ was taken out.

1.
Which of the following was an effect of the growth in mining?
A) Decreased crime due to the prevalence of law enforcement officers in the new territories.
B) The rise of boomtowns in areas where gold, silver, copper, and lead were found.
C) Fewer railroad stops in the areas where mines were built.
D) Families living in community homes with multiple families, due to a shortage of lumber supplies.
2.
All of the following occurred because of the growth of mining except:
A) The admission of North Dakota, South Dakota, and Montana as states
B) Creation of vigilante committees to control crime
C) A number of towns that went bust after mining resources were gone
D) An increase in the price of silver because of its great supply

3.
Which of the following greatly spurred the settlement of Colorado, Arizona, and Montana?
A) The availability of free land
B) The arrival of large numbers of miners
C) The growth of the cattle industry
D) The presence of peaceful, orderly towns
4.
Which city became the second largest in the West due in large part to the mining of gold and silver, which brought railroads to the area?
A) Denver
B) San Francisco
C) Phoenix
D) Leadville
5.
What industry greatly expanded because of mining growth in the West?
A) Textiles
B) Communications
C) Railroad
D) Cotton mills
6.
Which of the following was an effect of the growth of ranching?
A) Cattle from the East adapted to life on the Great Plains.
B) Many people created large private ranches in California on federal land.
C) Increased crime with bandits taking large numbers of cattle from ranchers
D) Several cattle trails were created by Texas ranchers driving herds north for sale.
7.
All of the following resulted from the growth of ranching except:
A) Increased sales of longhorn cattle to businesses in the East
B) Some Texas longhorn cattle went to ranchers in other parts of the West to increase their herds.
C) Boomtowns going bust when people decided to pursue ranching instead of mining
D) An increase in investment in the cattle business from people in the eastern United States and Britain.
8.
What was one undesired effect of the growth of ranching on ranchers?
A) Sheep herders relocated their flocks to the open range for grazing, blocking cattle trails.
B) Railroads began to open more stations and create more routes throughout the West.
C) Most people moved to the Great Plains to become ranchers when mining wasn’t successful for them.
D) Concerns were raised about the environmental impact of the longhorn cattle on open range land.
9.
In which of the following ways did ranching change as it grew?
A) More eastern-bred cattle were brought to the Great Plains.
B) Open range ranching ended and cattle were raised on ranches fenced in by barbed wire.
C) The role of the cowboy expanded as more ranchers established their own ranches.
D) The price of beef continued to rise as more cattle went to market in the 1880s.
10.
One successful approach to farming on the Great Plains was dry farming, in which farmers
A) cooperated to build community irrigation ditches.
B) dug out depressions to create ponds for irrigation.
C) grew crops that could withstand long periods without rain.
D) planted seeds deep in the ground.
11.
In the 1890s, when a glut of wheat on the world market caused prices to drop, some farmers tried to survive by
A) planting corn and other crops.
B) forming cooperatives.
C) mortgaging their land.
D) buying more land on credit.
12.
Which of the following was a hardship faced by settlers on the Great Plains?
A) Prairie fires
B) Flooding
C) Too many trees
D) Loose soil
13.
Which of the following inventions helped farmers on the Great Plains succeed in planting and harvesting their crops?
A) Barbed wire
B) Threshing machines
C) Hydraulic planters
D) Haciendas
14.
What problems did many early settlers in the Great Plains face?
A) Insufficient funds to purchase farming land
B) Railroads owned much of the land, making it hard to find a place to settle.
C) Difficulty accessing water and lack of trees to build homes
D) Unsanitary conditions that spread disease
15.
What contributed to the success of the Great Plains farmers throughout the 1870s?
A) A great surplus of land to farm
B) Supplementing their farm income by selling cattle they kept on their land
C) The extinction of the buffalo that once roamed the plains
D) Above average rainfall in the area

I’m a licensed substance abuse counselor interested in furthering my education in the counseling field. I will soon complete a bachelors of psychology degree. I have a growing young family and a mortgage – making moving or commuting to a new school a very difficult and costly proposition for a number of reasons. I have been considering enrollment into the mental health counseling program at the University of Phoenix. I’m interested in opinions, etc. but I am most interested in feedback from those who have enrolled in this particular program. Any help is appreciated.

1.
Which of the following was an effect of the growth in mining?
A) Decreased crime due to the prevalence of law enforcement officers in the new territories.
B) The rise of boomtowns in areas where gold, silver, copper, and lead were found.
C) Fewer railroad stops in the areas where mines were built.
D) Families living in community homes with multiple families, due to a shortage of lumber supplies.
2.
All of the following occurred because of the growth of mining except:
A) The admission of North Dakota, South Dakota, and Montana as states
B) Creation of vigilante committees to control crime
C) A number of towns that went bust after mining resources were gone
D) An increase in the price of silver because of its great supply

3.
Which of the following greatly spurred the settlement of Colorado, Arizona, and Montana?
A) The availability of free land
B) The arrival of large numbers of miners
C) The growth of the cattle industry
D) The presence of peaceful, orderly towns
4.
Which city became the second largest in the West due in large part to the mining of gold and silver, which brought railroads to the area?
A) Denver
B) San Francisco
C) Phoenix
D) Leadville
5.
What industry greatly expanded because of mining growth in the West?
A) Textiles
B) Communications
C) Railroad
D) Cotton mills
6.
Which of the following was an effect of the growth of ranching?
A) Cattle from the East adapted to life on the Great Plains.
B) Many people created large private ranches in California on federal land.
C) Increased crime with bandits taking large numbers of cattle from ranchers
D) Several cattle trails were created by Texas ranchers driving herds north for sale.
7.
All of the following resulted from the growth of ranching except:
A) Increased sales of longhorn cattle to businesses in the East
B) Some Texas longhorn cattle went to ranchers in other parts of the West to increase their herds.
C) Boomtowns going bust when people decided to pursue ranching instead of mining
D) An increase in investment in the cattle business from people in the eastern United States and Britain.
8.
What was one undesired effect of the growth of ranching on ranchers?
A) Sheep herders relocated their flocks to the open range for grazing, blocking cattle trails.
B) Railroads began to open more stations and create more routes throughout the West.
C) Most people moved to the Great Plains to become ranchers when mining wasn’t successful for them.
D) Concerns were raised about the environmental impact of the longhorn cattle on open range land.
9.
In which of the following ways did ranching change as it grew?
A) More eastern-bred cattle were brought to the Great Plains.
B) Open range ranching ended and cattle were raised on ranches fenced in by barbed wire.
C) The role of the cowboy expanded as more ranchers established their own ranches.
D) The price of beef continued to rise as more cattle went to market in the 1880s.
10.
One successful approach to farming on the Great Plains was dry farming, in which farmers
A) cooperated to build community irrigation ditches.
B) dug out depressions to create ponds for irrigation.
C) grew crops that could withstand long periods without rain.
D) planted seeds deep in the ground.
11.
In the 1890s, when a glut of wheat on the world market caused prices to drop, some farmers tried to survive by
A) planting corn and other crops.
B) forming cooperatives.
C) mortgaging their land.
D) buying more land on credit.
12.
Which of the following was a hardship faced by settlers on the Great Plains?
A) Prairie fires
B) Flooding
C) Too many trees
D) Loose soil
13.
Which of the following inventions helped farmers on the Great Plains succeed in planting and harvesting their crops?
A) Barbed wire
B) Threshing machines
C) Hydraulic planters
D) Haciendas
14.
What problems did many early settlers in the Great Plains face?
A) Insufficient funds to purchase farming land
B) Railroads owned much of the land, making it hard to find a place to settle.
C) Difficulty accessing water and lack of trees to build homes
D) Unsanitary conditions that spread disease
15.
What contributed to the success of the Great Plains farmers throughout the 1870s?
A) A great surplus of land to farm
B) Supplementing their farm income by selling cattle they kept on their land
C) The extinction of the buffalo that once roamed the plains
D) Above average rainfall in the area
16.
The combination of new technology and successful wheat farming led to the creation of what?
A) Cattle ranches
B) Bonanza farms
C) New mail routes
D) Wheat mills
17.
Which of the following was a problem Great Plains farmers faced in the late 1880s?
A) A severe drought that destroyed crops
B) Competition from ranchers for land
C) A railroad strike that prevented the shipment wheat to market
D) Long winters that made the planting seasons shorter

18 to 25 Also If you Have Them. Please!!!

I own the note on a very nice piece of rental property (12 apartments) in Phoenix. They are in a good area, unlike most of Phoenix, and the value on the property is probably 0k-0k realistically. The note is for 0k at an interest rate of 7.5%. Payments are current, but I suspect that he will default soon since I do not see him getting enough of a return to keep making those payments.

I have a handful of investors making me offers on the note, but I have no idea how much it is worth considering that I will probably have to discount it. I was hoping that someone who knows more about this could give me some advice on what a good ballpark figure I should be seeking would be. Is it the value of the asset? How much should I discount it? Thank you!

I’m looking at buying a foreclosed home.
If I can get it for say 160K with a 3% downpayment, let’s say I end up financing 160K, how much would my mortgage insurance be… this is near Phoenix, AZ.
The house if fixed up is worth well over 200k

1. Which of the following was an effect of the growth in mining?
A) Decreased crime due to the prevalence of law enforcement officers in the new territories.
B) The rise of boomtowns in areas where gold, silver, copper, and lead were found.
C) Fewer railroad stops in the areas where mines were built.
D) Families living in community homes with multiple families, due to a shortage of lumber supplies.
2. All of the following occurred because of the growth of mining except:
A) The admission of North Dakota, South Dakota, and Montana as states
B) Creation of vigilante committees to control crime
C) A number of towns that went bust after mining resources were gone
D) An increase in the price of silver because of its great supply

3. Which of the following greatly spurred the settlement of Colorado, Arizona, and Montana?
A) The availability of free land
B) The arrival of large numbers of miners
C) The growth of the cattle industry
D) The presence of peaceful, orderly towns
4. Which city became the second largest in the West due in large part to the mining of gold and silver, which brought railroads to the area?
A) Denver
B) San Francisco
C) Phoenix
D) Leadville
5. What industry greatly expanded because of mining growth in the West?
A) Textiles
B) Communications
C) Railroad
D) Cotton mills
6. Which of the following was an effect of the growth of ranching?
A) Cattle from the East adapted to life on the Great Plains.
B) Many people created large private ranches in California on federal land.
C) Increased crime with bandits taking large numbers of cattle from ranchers
D) Several cattle trails were created by Texas ranchers driving herds north for sale.
7. All of the following resulted from the growth of ranching except:
A) Increased sales of longhorn cattle to businesses in the East
B) Some Texas longhorn cattle went to ranchers in other parts of the West to increase their herds.
C) Boomtowns going bust when people decided to pursue ranching instead of mining
D) An increase in investment in the cattle business from people in the eastern United States and Britain.
8. What was one undesired effect of the growth of ranching on ranchers?
A) Sheep herders relocated their flocks to the open range for grazing, blocking cattle trails.
B) Railroads began to open more stations and create more routes throughout the West.
C) Most people moved to the Great Plains to become ranchers when mining wasn’t successful for them.
D) Concerns were raised about the environmental impact of the longhorn cattle on open range land.
9. In which of the following ways did ranching change as it grew?
A) More eastern-bred cattle were brought to the Great Plains.
B) Open range ranching ended and cattle were raised on ranches fenced in by barbed wire.
C) The role of the cowboy expanded as more ranchers established their own ranches.
D) The price of beef continued to rise as more cattle went to market in the 1880s.
10. One successful approach to farming on the Great Plains was dry farming, in which farmers
A) cooperated to build community irrigation ditches.
B) dug out depressions to create ponds for irrigation.
C) grew crops that could withstand long periods without rain.
D) planted seeds deep in the ground.
11. In the 1890s, when a glut of wheat on the world market caused prices to drop, some farmers tried to survive by
A) planting corn and other crops.
B) forming cooperatives.
C) mortgaging their land.
D) buying more land on credit.
12. Which of the following was a hardship faced by settlers on the Great Plains?
A) Prairie fires
B) Flooding
C) Too many trees
D) Loose soil
13. Which of the following inventions helped farmers on the Great Plains succeed in planting and harvesting their crops?
A) Barbed wire
B) Threshing machines
C) Hydraulic planters
D) Haciendas
14. What problems did many early settlers in the Great Plains face?
A) Insufficient funds to purchase farming land
B) Railroads owned much of the land, making it hard to find a place to settle.
C) Difficulty accessing water and lack of trees to build homes
D) Unsanitary conditions that spread disease
15. What contributed to the success of the Great Plains farmers throughout the 1870s?
A) A great surplus of land to farm
B) Supplementing their farm income by selling cattle they kept on their land
C) The extinction of the buffalo that once roamed the plains
D) Above average rainfall in the area
16. The combination of new technology and successful wheat farming led to the creation of what?
A) Cattle ranches
B) Bonanza farms
C) New mail routes
D) Wheat mills

I’m Looking for loan in Phoenix, az?
Personal or mortgage.
willing to negotiate on interest rate.
let me know if you can help.

must have a local representative (so if you’re in dubi or S. Africa then don’t bother trying to get my personal info by e-mil )

Our status:
married couple.
k in the bank.
His scores: 624 ; 608; 578
Her Scores: 634 ; 621 ; 641
INcome: k+ / yr
OUTcome: 85 / month
House price to purchase: k to k total purchase price.
Up to k available for down payment.

no credit cards or credit card debt.
both cars paid off.
Errors in credit score.

Let me know if you can help.

no debt counselors please.
RE: Roderick_Young
"With a 50-60% down…bank or mortgage broker…find a seller-financed mortgage."
–Most lenders won’t even consider less than a ,000 loan. the minimum scores needed today appear to be about 640. so not only are we not "Worth their investment", we’re also "a high risk"

"How bad are those errors on your credit score? Do you have any debt at all (student loans, etc.)? can fix..errors…scores to 700…lenders will want…you."
==There are about 100pts of errors on our credit reports. Stuff from her ex husband, a student loan collections that says i hadn’t paid since 05 even though i have bank statements proving otherwise – they are try trying to bully me to sign an agreement to raise my interest rate.

"If those are really your monthly expenses…a year from now, you can pay cash for a k home"
== That’s what we thought a year ago when homes were k. now we have k and they are about k. :/
ABU – i said i will only deal with a local representative. I’m not about to give out my personal information to some stranger’s e-mail. yes, i gave my credit scores. but credit scores are useless unless you know who they belong to.
Lord how i hate all the bots.

1. Which of the following was an effect of the growth in mining?
A. Decreased crime due to the prevalence of law enforcement officers in the new territories.
B. The rise of boomtowns in areas where gold, silver, copper, and lead were found.
C. Fewer railroad stops in the areas where mines were built.
D. Families living in community homes with multiple families, due to a shortage of lumber supplies.

2. All of the following occurred because of the growth of mining except:
A. The admission of North Dakota, South Dakota, and Montana as states
B. Creation of vigilante committees to control crime
C. A number of towns that went bust after mining resources were gone
D. An increase in the price of silver because of its great supply

3. Which of the following greatly spurred the settlement of Colorado, Arizona, and Montana?
A. The availability of free land
B. The arrival of large numbers of miners
C. The growth of the cattle industry
D. The presence of peaceful, orderly towns

4. Which city became the second largest in the West due in large part to the mining of gold and silver, which brought railroads to the area?
A. Denver
B. San Francisco
C. Phoenix
D. Leadville

5. What industry greatly expanded because of mining growth in the West?
A. Textiles
B. Communications
C. Railroad
D. Cotton mills

6. Which of the following was an effect of the growth of ranching?
A. Cattle from the East adapted to life on the Great Plains.
B. Many people created large private ranches in California on federal land.
C. Increased crime with bandits taking large numbers of cattle from ranchers
D. Several cattle trails were created by Texas ranchers driving herds north for sale.

7. All of the following resulted from the growth of ranching except:
A. Increased sales of longhorn cattle to businesses in the East
B. Some Texas longhorn cattle went to ranchers in other parts of the West to increase their herds.
C. Boomtowns going bust when people decided to pursue ranching instead of mining
D. An increase in investment in the cattle business from people in the eastern United States and Britain.

8. What was one undesired effect of the growth of ranching on ranchers?
A. Sheep herders relocated their flocks to the open range for grazing, blocking cattle trails.
B. Railroads began to open more stations and create more routes throughout the West.
C. Most people moved to the Great Plains to become ranchers when mining wasn’t successful for them.
D. Concerns were raised about the environmental impact of the longhorn cattle on open range land.

9. In which of the following ways did ranching change as it grew?
A. More eastern-bred cattle were brought to the Great Plains.
B. Open range ranching ended and cattle were raised on ranches fenced in by barbed wire.
C. The role of the cowboy expanded as more ranchers established their own ranches.
D. The price of beef continued to rise as more cattle went to market in the 1880s.

10. One successful approach to farming on the Great Plains was dry farming, in which farmers
A. cooperated to build community irrigation ditches.
B. dug out depressions to create ponds for irrigation.
C. grew crops that could withstand long periods without rain.
D. planted seeds deep in the ground.

11. In the 1890s, when a glut of wheat on the world market caused prices to drop, some farmers tried to survive by
A. planting corn and other crops.
B. forming cooperatives.
C. mortgaging their land.
D. buying more land on credit.

12. Which of the following was a hardship faced by settlers on the Great Plains?
A. Prairie fires
B. Flooding
C. Too many trees
D. Loose soil

13. Which of the following inventions helped farmers on the Great Plains succeed in planting and harvesting their crops?
A. Barbed wire
B. Threshing machines
C. Hydraulic planters
D. Haciendas

14. What problems did many early settlers in the Great Plains face?
A. Insufficient funds to purchase farming land
B. Railroads owned much of the land, making it hard to find a place to settle.
C. Difficulty accessing water and lack of trees to build homes
D. Unsanitary conditions that spread disease

15. What contributed to the success of the Great Plains farmers throughout the 1870s?
A. A great surplus of land to farm
B. Supplementing their farm income by selling cattle they kept on their land
C. The extinction of the buffalo that once roamed the plains
D. Above average rainfall in the area

16. The combination of new technology and successful wheat farming led to the creation of what?
A. Cattle ranches
B. Bonanza farms
C. New mail routes
D. Wheat mills

17. Which of the following was a problem Great Plains farmers faced in the late 1880s?
A. A severe drought that destroyed crops
B. Compet