I am a huge advocate of accelerated debt elimination plans (ADEP).Understanding that we are a credit driven society and one needs the ability use credit for purchases from time to time whether it’s to buy a house, car or purchase that 60” plasma television.  I believe ever consumer that has a mortgage or uses a credit card or has any type of credit should implement and utilize an ADEP for money management.  ADEP is not just for those that are overwhelmed with debt! 

An accelerated payment plan allows you to turn the tables on your credit card companies.  These days, with penalty fees, universal interest default, and all kind of other traps, it can be hard to stay ahead of the credit card companies. A rapid repayment plan allows you to pay your debts back in the most efficient and least-expensive way possible, and because you have a clear debt-free date, you’re more motivated to succeed.

The beauty of an ADEP is that it’s confidential, you don’t have to cut up your credit cards, and once you get started you can create tremendous momentum. An added bonus, as you start paying off your debt using an accelerated repayment plan, your credit rating may improve. Better credit means lower rates on your debts, and may lower your insurance premiums too. That means even more money in your pocket to pay toward your debts!

Here’s how it works. Each month you’re paying and paying on your debt. And if you’re like 78% of the people using credit cards, your balances seem to stay pretty much the same, or maybe even go up instead of down. The good thing about this is you already have the discipline to pay the fixed amount each an every month. So, using the same income you can eliminate 30 years worth of debt in as little as 10 years.  With your balances paid off you will have freed up a significant amount of money that you can now turn into wealth and put towards retirement!

There are many different ADEP’s available to choose from. Most of these programs can cost between $2,500 and $12,000 in upfront fees and they only give you the information on “how to do it”. Then it’s up to you.

My personal favorite ADEP service provider is Moneylogic.  With Moneylogic, you do not do it alone, you simply make your biweekly deposits into an FDIC insured account and they pay 100% of the debts for you. It’s automatic and your payments are tracked every month. Moneylogic is secure by LifeLock and assures you that your Identity is protected.  Moneylogic has Brooks Hamilton’s stamp of approval.  Brooks is a world renowned economist who many in Washington look to for advice.  Regardless of you financial situation I believe you owe it to yourself to check out Moneylogic and their services. 

Moneylogic has developed a breakthrough financial system that focuses on paying the principal balances of your debt first, instead of just paying years and years of interest first. MoneyLogic Accelerated Debt Elimination Plan (ADEP) which can take a family with 30 years of debt to being debt free within 10 - 12 years, using the same income they have now, saving hundreds of thousands of dollars.  Your payments will be the same, but it will save you a FORTUNE! 

Moneylogic’s ADEP requires no upfront money. The cost is only $699, which is simply added to your list of debts. And, you will even receive a Sign up Rebate of $60.00!

How moneylogic’s ADEP eliminates debt

You set up your budget to pay your bills biweekly instead of monthly.  The reason for this is every year there are two months that have 5 weeks, so an extra payment will made during those months which generates an extra payment each year.  So, if your bills total X per month, this will create an extra X twice each year. 

v     Example: If your bills are $2,500, of which $1,450 is your Mortgage, $450 is your car, and let’s say you have 2 credit cards that are $300 each. Your ADEP system will pay all of your bills on time and when the extra money becomes available, the system will pay the $1,250 twice each year on the highest interest loan which is usually a credit card, until it’s paid in full.  Once the first credit card is paid off, it will take the extra $300 from that card, and apply it to the 2nd credit card, plus the extra $1,250 that’s available twice each year, until the 2nd credit card is paid in full. After the second card is paid off, the system will take the extra $600 a month (the two credit cards that are paid off @ $300 each) plus the $1,250 twice each year, and the total will be paid on your car until it’s paid in full From this point forward every year, the system will take the extra $1,050 each month ($600 from the two credit cards, and $450 from the car) plus the $1250 twice each year and pay your mortgage until the balance is zero.

To get the 411 on Moneylogic visit them on the web at www.moneylogic.info  you can also read more about their business opportunities and services in the appendix

Appendix A: What you get with MoneyLogic

Imagine a one stop shop, to save, protect, earn, and grow your money!

The Moneylogic platimum plan membership has great value- THE SILVER MONEYLOGIC MEMBERSHIP!

Moneylogic's 7 Step System Makes Dollars and Sense. Don't be stressed by a lifetime of money challenges. Live free from debt, stress, and worries

Let Moneylogic's revolutionary 7-step system help you with the money challenges of today and those that may arise in the future. This simple system can help you achieve a lifetime of Financial Wellness. Why not get started today?

Money Tracker: with Web and Text command!... Find an extra $200 - $500 a month! (no voice command)

Ask Moneylogic... Professional Financial Counselors

Moneylogic Cash Back Rewards Shopping Mall

Moneylogic Accelerated Debt Elimination Plan

Power Payment Debt Elimination Self Help System

Financial Education

Monthly News Letter - Education Center

Online Investments

Online Insurance

Increase Income Option

Financial Calculators

One Time $30.00 then only $29.95 a month

THE GOLD MONEYLOGIC MEMBERSHIP

Moneylogic's 7 Step System Makes Dollars and Sense. Don't be stressed by a lifetime of money challenges. Live free from debt, stress, and worries.

Let Moneylogic's revolutionary 7-step system help you with the money challenges of today and those that may arise in the future. This simple system can help you achieve a lifetime of Financial Wellness. Why not get started today?

Money Tracker: with Web and Text command!... Find an extra $200 - $500 a month! (no voice command)

Ask Moneylogic... Professional Financial Counselors

Moneylogic Cash Back Rewards Shopping Mall

Moneylogic Accelerated Debt Elimination Plan

Power Payment Debt Elimination Self Help System

Financial Education

Monthly News Letter - Education Center

Online Investments

Online Insurance

Increase Income Option

Financial Calculators

Access to Professional Services for the Financial Distressed:

Debt Counseling
Debt Management
Debt Settlement
Credit Repair
Foreclosure Avoidance

ONLY $19.95 Per Month

The PLUS OPTION adds Phone / Voice Command to the Money Tracker for Only $12.95 per month

Example: If a husband, wife and teenager have LifeLock ID theft, it would cost $30 per month. With Moneylogic’s Platinum Membership you receive everything below plus an 8 day 7 night dream vacation EVERY YEAR for only $29.95 per month. That is less than LifeLock alone and LifeLock is included for your entire family! In addition you will receive a $200 rebate from Moneylogic when you sign up for their Accelerated Debt Elimination Plan!   

Financial experts agree that we must protect our financial future. In fact, financial protection is the cornerstone of planning for retirement. Build and protect your financial nest egg against the unknown and unexpected with The Moneylogic Financial Protection Plan.

Money Tracker- with Web and Text command- usually finds an extra $200 - $500 a month.

Ask Moneylogic- Unlimited calls to Professional Financial Counselors

Moneylogic Rewards Online Shopping Mall- with deep discounts, 1000 brand name stores, millions of products and cash back on every purchase.

Moneylogic ADEP- Be out of debt fast and receive a $200 rebate it’s like no cash out of pocket to start. Moneylogic’s partner EAC is A+ BBB rated & regulated by the US Federal Reserve!

Power Payment- For even faster debt elimination

• Financial Education
• Monthly News Letter - Education Center
• Online Investments
• Online Insurance
• Financial Calculators

Access to Professional Services for the Financially Distressed

• Debt Counseling
• Debt Management
• Debt Settlement
• Credit Repair

Foreclosure Avoidance

Moneylogic Family Legal Services- Every year 1 in 2 families will require the services of an attorney. Eight commonly used and deeply discounted services, plus a network of 21,000 attorneys nationwide! Moneylogic provides 9 FREE legal services:

• Unlimited phone consultations for new legal matters
• One-on-One consultations for new legal matters
• Attorney review of independent legal documents (6 page max.) per new matter
• When appropriate, network attorneys will write letters on member's behalf
• When appropriate, network attorneys will make phone calls on member's behalf
• Assistance in solving problems with government programs such as welfare INS
• Assistance with small claims court representation
• Free simple will with annual updates
• Additionally, members have online access through the Legalclub.com website to prepare a free living will (advance healthcare directive)

LifeLock $1 Million Dollars in I D Theft Protection for your entire Family- I D Theft is the fastest growing crime in America. Currently, there is a new I D Theft every 3 seconds. Free Fraud alerts are requested on your behalf to the major credit bureaus when anyone tries to use your credit the merchant is advised to take extra precautions to verify it's you and only you making the request.

• A reduction in junk mail.
• Fewer pre-approved credit card solicitations.
• WalletLock™ assists you in the event your wallet is lost or stolen.
• eRecon™ searches for your information being sold or traded online.
• TrueAddress™ notifies you when a change of address is filed in your name.
• $1 million total service guarantee - if your identity is stolen while you're a client, we will do whatever it takes to recover your good name and spend up to $1 Million to do it.

Personal Tax Service- Tax Program including: Counseling, advice as well as

• Unlimited advice on federal taxation
• Free tax return preparation for forms 1040 EZ, 1040A and standard 1040
• Deep discounts on numerous other tax schedules
• IRS audit assistance
• Tax planning including TAX FREE RETIREMENT PLANS!
• FREE review of your last year's tax return
• Your own personal Member website with tax tips, tax law changes, member advice and much more

IRS Issues- Let our professional Tax Relief specialist deal with the IRS for you. Free initial assessment.

Imagine a DREAM VACATION INCLUDED EVERY 12 MONTHS! 8 day 7 nights Deluxe Hotel accommodations to FABULOUS destinations like… Palm Springs CA. Orlando FL, Branson Mo, Austrian Alps, Costa Blanca Spain, Puerto Vallarta Mexico and many, many more! Vacations are fully transferable, so it makes a great gift!                                    

                                               
 
                Our members are learning how to create wealth on any income,………………………….
                                      Even increase their income!

They're getting spending under control and finding an average of $300 extra every month by tracking their expenses by texting or phoning in their expenses…both personal and business expenses. Our Money Tracker will even create a spending plan for you within seconds!  
They're eliminating of ALL debt in 10 -12 years or less and build hundreds of thousands in Future Wealth! ..Imagine being debt free! Moneylogic even makes they’re debt payments for them! Insuring they’re debt elimination success!
They are learning how to shop wisely. Paying less than retail with over 1,000 top name stores. Stores that they are shopping with now. And, getting paid a commission on every purchase!  - Shop – Save and Earn!
They are being protected by legal services receiving free and deep discounted services and a 40% discount from normal fees and I D Theft for each member of the family
They are receiving a Free Discount Prescription Card that will average saving them 37% to 40% on their prescriptions.
Plus, they're discovering how to build a retirement savings and receive a Tax Free Income for Life!
And just for joining Moneylogic they will receive a 8 day’s and 7 nights Dream Vacation …every year!
And so much more like access to debt settlement, debt management, foreclosure avoidance and credit repair!
Moneylogic is making a difference in people’s lives ….by helping them turn their financial stress into financial success!

To find out more on Moneylogic go to: http://www.moneylogic.info and on facebook go to: http://www.facebook.com/moneybusiness

Go to: http://www.facebook.com/moneybusiness

The current number of properties on the market in Tulsa is 2,795. The Tulsa median listing price is $139,900.

For Tulsa county real estate the total listings are 5,865 and a median listing price of $165,000. This compares to Oklahoma real estate data, which this week shows a total number of listing properties as 22,460 with a median listing price of $149,952.

We have the complete listings to help you find the best markets and organic produce farmers markets in Tulsa. Make sure you click through to our farmers markets detail pages for more information, including times and directions.

Brookside Farmers' Market
Tulsa, OK
More info
(including date and times of the Brookside Farmers' Market farmer market)

Downtown Tulsa Farmers' Market
Tulsa, OK
More info
(including date and times of the Downtown Tulsa Farmers' Market farmer market)

Pearl Farmers' Market
Tulsa, OK
More info
(including date and times of the Pearl Farmers' Market farmer market)

Tulsa's Cherry Street Farmers' Market
Tulsa, OK
More info
(including date and times of the Tulsa's Cherry Street Farmers' Market farmer market)

You can find a full list of Tulsa County Farmers' Markets here.

Beautiful New Construction 4 bedroom, 2.5 bathrooms Open Kitchen, Formal Dining, Family room and Den,  2 car garage, large master bedroom all on approx. 1/2 acre lot. Sq.Ft. 2600-2700'

Homes tour starts Saturday
Parade of Homes features 158 homes in 16 communities in the metro area.

 
This house at 7400 E. Indianola St. in Broken Arrow is one of 158 homes on the Parade of Homes tour. CORY YOUNG/ Tulsa World
By ROBERT EVATT World Staff Writer
Published: 6/19/2010  2:21 AM
Last Modified: 6/19/2010  6:31 AM

Peek into a newly constructed home this year, and chances are good you'll see more textured paints and designs on the walls, said Glenn Shaw of Shaw Homes.

"We're seeing lots of paints and stains with glaze on cabinets and walls, even some woodwork," he said. "It's more of the true, country French interior looks."

These textures are just one new design feature that will be on display at the Parade of Homes, which begins Saturday and runs through June 27.

This year's event, once again presented by the Home Builders Association of Greater Tulsa, features 158 homes spread throughout 16 communities in the metro area.

The parade is an opportunity for local builders — 71 strong this year, including 13 homes built by Shaw Homes — to showcase their skills as well as the latest trends in construction and furnishings. Homes range in cost from $100,000 to nearly $2 million.

Shaw said the event is a great chance for builders to introduce themselves to the buying public, and for potential buyers to see what kinds of new designs are out there.

"It's such a great opportunity for people to come out and see new houses open," he said. "It's the best time of year to get out and see what's available."

Master bedrooms and kitchens are continuing to be big draws for builders, and many of the homes this year feature larger, more detailed versions of these rooms, Shaw said.

Each home in the parade will be open for tours from 1-7 p.m. daily, with no admission.

Extended hour events include Stone Canyon in Owasso, 6-9 p.m. Thursday; Forest Ridge at Broken Arrow, 6-9 p.m. Tuesday; and Berwick on Cedar Ridge from 10 a.m. to 1 p.m. Saturday, June 26.

The official guide to the Parade of Homes, which has a complete listing and location for participating homes in the event, is available at local QuikTrip stores.

Perfect for raising a family or sharing with students. This beautiful Colonial Style Home accross from TU has updated kitchen, baths and new Central Heat & Air.

Hardwoods and Crown molding throughout. Large deck out back with large yard. 4 Bedroom, 2 Baths, Den, Formal Dining and Flex Room.

One year Lease at $1600 per month plus $1600 deposit with approval from owner.

Master Planned Golf Community. Hardwood Floors in Entry, Kitchen and Hearth Room. 9' Ceilings. Office by entry way with double french doors. Over sized back yard with the use of easement fully fenced. Great place to live go to www.forestridge.com

Military Personnel Tax Credit
If you or anyone you know is in the military and are thinking of purchasing a home, we have some very important information for you!  Did you know that the Home Buyer Tax Credit expires for everyone on April 30, 2010 unless you are in the military?  It is available to certain military personnel until April 30, 2011!  There are a few criteria one must meet to qualify for the extension:

•Members of the uniformed services, the Foreign Service and employees of the intelligence community are eligible for this special rule.
•It applies to any individual who serves on qualified official extended duty service outside of the United States for at least 90 days during the period beginning January 1, 2009, and ending before May 1, 2010.
•Qualified official extended duty is any period of extended duty while serving at a place of duty at least 50 miles away from the taxpayer’s principal residence (whether inside or outside the U.S.) or while residing under government orders in government quarters.
•Extended duty is defined as any period of duty pursuant to a call or order to such duty for a period in excess of 90 days or for an indefinite period.

Tulsa Community Calendar

05/10 Arts Commission Meeting 4:00pm

05/10 Tulsa Toastmasters 6:30pm

05/11 Board Of Adjustment Meeting 1:00pm

05/11 Greater Tulsa Area Hispanic Affairs Commission Meeting 6:00pm

05/11 Adoption Information Meeting 6:00pm

05/12 Wednesday Worship Service 7:00pm

05/13 TULSA BUSINESS CLUB INC. 7:30am

05/13 River Parks Authority Meeting 8:00am

05/13 Airport Authority Meeting 8:30am

05/13 Housing Authority Meeting 10:30am

05/13 Tulsa Preservation Commission Meeting 11:00am

05/13 Civil Service Commission Meeting 1:00pm

05/13 Plumbing Appeals Board Meeting 3:30pm

05/13 Tulsa REIA Main Monthly Meetings 7:00pm

05/15 Saturday Worship Service 7:00am

05/15 Real Estate Investor Talk Radio 12:00pm

05/15 Saturday Vigil Mass 5:00pm

05/15 Crawfest 2010

05/16 Sunday Worship Service 9:00am

05/16 Traditional Worship Service 9:00am

CERTIFIED FINANCIAL COUNSELORS

Ask Moneylogic can provide you with unlimited, no cost, personal and private...solutions to your financial concerns

When it comes to money matters, sometimes you just need someone objective to talk to. And, sometimes, that's before or after normal business hours. As a Moneylogic member, you have unlimited access to certified financial counselors through our "Ask Moneylogic" service. Experts who are there from 7:30 a.m. to 7:30 p.m. each weekday to help answer the financial questions you have today - and the ones you have tomorrow as you become more knowledgeable.

For example, are you trying to figure out how to deal with a loss of income? Wondering whether it's better to buy or lease a car - and where to find great deals? Concerned about the impact of divorce on your finances? Ask Moneylogic!

As a student, receiving financial benefits you deserve is important.  For this reason, its imperative military veterans play a proactive role to ensure the educational benefits they’ve earned are in fact received.  The Post-9/11 GI Bill offers terrific benefits.  The actions taken today will simplify the process and help the VA expedite benefit payments. 

The United States Department of Veterans Affairs stresses the importance of completing all of the necessary steps to ensure the benefits you, your friends or classmates deserve will be paid in a timely fashion!  Here’s what needs to be done:

1.Check your eligibility online at www.gibill.va.gov

2. Submit your application VA Form 22-1990 or 22-1990E.

3. After you have enrolled in school, check with your School Certifying Official (SCO) to confirm that your VA enrollment certification has been sent to the VA on your behalf.  This form certifies your actual enrollment period and triggers your payment. *Here’s a little hint: the school’s designated SCO will be found in the Financial Aid Department, Admissions and Records Department, or Registrar’s Office.)
4. And last but not least, enjoy the education benefits you earned!

If you or someone you know is planning to use the Post-9/11 GI Bill to attend school anytime this year, action must be taken today.  For more information please visit: http://www.gibill.va.gov or text GIBill to 99702. 

Goto: http://www.hosted.cdpe.com/65518/FAQ.aspx

Frequently Asked Questions

It is understandable to have questions when coping with a new and challenging situation, especially when a home is at stake. The reality is that millions of homeowners across the country are finding out that they have more questions than answers. We hope that the following information will help you better understand the circumstances. If you have further questions not addressed below, or would like additional information resources, feel free to Contact Us.

Do I qualify for a short sale?
The qualifications for a short sale include any or all of the following:

1.Financial Hardship – There is a situation causing you to have trouble affording your mortgage.
2.Monthly Income Shortfall – In other words: “You have more month than money.” A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
3.Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.
What is a mortgage modification?
A mortgage modification is a process through which your mortgage lender changes any or all of the following:

•Your interest rate
•Your principal balance (through a reduction)
•Your loan terms (example: from an adjustable to a fixed rate)
This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.

Why would a lender modify my mortgage?
Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.

What do I need to qualify for a mortgage modification?
According to the Making Home Affordable Web site (www.MakingHomeAffordable.gov), you will need the following information for your lender to consider a modification:

•Information about your first mortgage, such as your monthly mortgage statement
•Information about any second mortgage or home equity line of credit on the house
•Account balances and minimum monthly payments due on all of your credit cards
•Account balances and monthly payments on all your other debts such as student loans and car loans
•Your most recent income tax return
•Information about your savings and other assets
•Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources
If applicable, it may also be helpful to have a letter describing any circumstances that caused your income to reduce or expenses to increase (job loss, divorce, illness, etc.)

How do I qualify for a mortgage modification?
The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):

•Loss Mitigation
•Mortgage Modification
•H.O.P.E.
Prior to contacting your mortgage lender you can quickly complete an eligibility test at www.MakingHomeAffordable.gov. This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP). For a list of mortgage lenders and servicers, visit www.HopeNow.com.

What if I don’t qualify for a mortgage modification, can’t afford my home, and owe more than it’s worth?
You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents like me, with the Certified Distressed Property Expert® Designation, have undergone extensive training in how to process and negotiate short sales. A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.

What is a Home Affordable Refinance?
If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.

What are the qualifications for a Home Affordable Refinance?
According to the resources released by the government, following are a list of qualifications:

•You are the owner occupant of a one- to four-unit home
•The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
•At the time you apply, you are current on your mortgage payments (you haven’t been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
•You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
•You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan
 Homeowner Resources
 Get Your FREE Report!
 What is a CDPE®?
Learn how agents with the Certified Distressed Property Expert® designation are best suited to help distressed homeowners.Contact This CDPE®
David Hagler
RE/MAX EXECUTIVES
7615 E 63rd Pl.
Suite 105
Tulsa, Ok 74133

(918) 809-9776

Foreclosure Solutions

Go to: http://www.hosted.cdpe.com/65518/Foreclosure-Solutions.aspx

The current U.S. housing market and national financial crisis has caused untold stress and heartache for many American families. Foreclosure is one of the most devastating financial challenges that a family can face and one that many times can be avoided. The options available to Tulsa-area residents for foreclosure are many. Following is a brief explanation of these solutions, including their benefits and drawbacks:

Reinstatement
A reinstatement is the simplest solution for a foreclosure, however it is often the most difficult. The homeowner simply requests the total amount owed to the mortgage company to date and pays it. This solution does not require the lender's approval and will 'reinstate' a mortgage up to the day before the final foreclosure sale.

•Benefit: Does not require the mortgage company or lender's approval.
•Drawback: Requires that a homeowner be able to pay all back payments, fines and fees.
Forbearance or Repayment Plan
A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back payments over a period of time. The homeowner typically makes their current mortgage payment in addition to a portion of the back payments they owe.

•Benefit: Allows the homeowner to make back payments over time.
•Drawback: Requires that a homeowner be in a financial position to pay not only their current mortgage, but also a portion of the back payments owed. Some mortgage companies will require a homeowner to 'qualify' for forbearance.
Mortgage Modification
A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these. These typically result in a lower payment to the homeowner and a more affordable mortgage.

•Benefit: Reduces the payment a homeowner is required to make on a monthly basis and may reduce the principal balance of the loan
•Drawback: Requires that a homeowner 'qualify' for the new payment and will often require full documentation. Lender has to be actively pursuing modifications.
Rent the Property
A homeowner who has a mortgage payment low enough that market rent will allow it to be paid, is able to convert their property to a rental and use the rental income to pay the mortgage.

•Benefit: Allows homeowner to keep property indefinitely.
•Drawback: The issues that can arise with a rental property are many, and rent often does not cover the full cost of property ownership and maintenance.
Deed in Lieu of Foreclosure
Also known as a 'friendly foreclosure', a deed in lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and the homeowner must also vacate the property.

•Benefit: Many times in a successful deed in lieu, the lender will forego their right to a deficiency judgment.
•Drawback: Requires that a homeowner vacate the property, and a deed in lieu may be reported to credit bureaus as a foreclosure.
Bankruptcy
Many have considered and marketed bankruptcy as a 'foreclosure solution,' but this is only true in some states and situations. If the homeowner has non-mortgage debts that cause a shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these debts, this may be a viable solution.

•Benefit: Does not require lender approval.
•Drawback: If a homeowner cannot afford their mortgage payment, a bankruptcy will only stall—not stop—the foreclosure process. Bankruptcy can be costly, is damaging to credit scores, and can only be declared once every seven years.
Refinance
If a homeowner has sufficient equity in their property and their credit is still in good standing, they may be able to refinance their mortgage.

•Benefit: In some cases, this will lower payments.
•Drawback: In today's market, a refinance will almost always raise mortgage payments, and is an expensive process.
Servicemembers Civil Relief Act (military personnel only)
If a member of the military is experiencing financial distress due to deployment, and that person can show that their debt was entered into prior to deployment, they may qualify for relief under the Servicemembers Civil Relief Act. The American Bar Association has a network of attorneys that will work with servicemembers in relation to qualifying for this relief.

•Benefit: If qualified, this will lower payments on all consumer debt in addition to mortgage payments.
•Drawback: Must be active military to qualify.
Sell the Property
Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.

•Benefit: Allows homeowner to avoid foreclosure and harvest some of their equity.
•Drawback: In many cases today, homeowners do not have sufficient equity to sell their property without negotiating a short sale (see next solution).
Short Sale
If a homeowner owes more on their property than it is currently worth, then they can hire a qualified real estate agent to market and sell their property through the negotiation of a short sale with their lender. This typically requires the property to be on the market and the homeowner must have a financial hardship to qualify. Hardship can be simply defined as a material change in the financial stability of the homeowner between the date of the home purchase and the date of the short sale negotiation. Acceptable hardships include but are not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or unplanned relocation, and more.

•Benefit: A short sale allows the homeowner to avoid foreclosure and salvage some of their credit rating. This also keeps foreclosure off the individual's public record, and in many cases will allow the homeowner to avoid a deficiency judgment. Borrower may qualify for another mortgage in as little as 24 months (as opposed to five years for a foreclosure).
•Drawback: Short sales can be a trying process in which a homeowner is best served by contracting with a qualified real estate agent to guide the way.
This represents only a summary of some of the solutions available to homeowners facing foreclosure. Please call me today for a free confidential evaluation of your individual situation, property value, and possible options.
 Homeowner Resources
 Get Your FREE Report!
 What is a CDPE®?
Learn how agents with the Certified Distressed Property Expert® designation are best suited to help distressed homeowners.Contact This CDPE®
David Hagler
RE/MAX EXECUTIVES
7615 E 63rd Pl.
Suite 105
Tulsa, Ok 74133

(918) 809-9776

Chances are, you or someone you know in Tulsa is facing the possibility of foreclosure. But you need to understand that you are not alone.

Today, 1 out of every 10 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

Through my experience handling distressed properties at RE/MAX EXECUTIVES, I've found that homeowners today have more questions than answers about their circumstances. I have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.

You may also have noticed that I'm offering you a FREE Report to explain your options and help you decide on a course of action. The idea of losing a home can be overwhelming, and I feel it is vital for you to have all the facts necessary to make an informed decision.

As an agent with the CDPE® Designation, I have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.

If you would like to know more about your options, please call me at (918) 809-9776.

I am here to help … in any way I can.

David Hagler
 Homeowner Resources
 Get Your FREE Report!
 What is a CDPE®?
Learn how agents with the Certified Distressed Property Expert® designation are best suited to help distressed homeowners.Contact This CDPE®
David Hagler
RE/MAX EXECUTIVES
7615 E 63rd Pl.
Suite 105
Tulsa, Ok 74133

(918) 809-9776

Goto:http://www.hosted.cdpe.com/65518/Eligibility.aspx

Government Programs …
Check Your Eligibility Now.

There are a number of government programs available to provide you with solutions. See which program below matches your situation best, and then take the survey to see if you are eligible.

Take action, find out more about your options and learn if you are eligible. If your situation is urgent, or you have further questions, feel free to contact me.

David Hagler, 918-809-9776, REMAX Executives, Tulsa, OK

Local REALTOR® Obtains e-PRO^Ò Certification

To Provide Consumers With State-of-the-Art Services

As more and more consumers begin their search for real estate-related information on the Internet, it is critical that real estate professionals stay on top of the latest technology for the benefit of consumers and real estate practitioners alike. The e-PRO^Ò Technology Certification Program fills that need.

 Realizing the importance of technology training, the National Association of REALTORS^® (NAR) created a comprehensive Technology Certification course in 2000. And now that course, e-PRO^Ò, has been completely updated to include information on Social Media and Web 2.0 aspects that is, and will continue, to change the real estate business.

 “The real estate industry has undergone a fundamental change over the past five years,” David Hagler said. “Today, more than 85% of all buyers and sellers begin their search online. As an e-PRO^Ò certified agent, I have knowledge and tools needed to provide my clients with the information they need and the customer service they demand. It’s both hi-tech and hi-touch.”

 The all new e-PRO^Ò certification course -- the only technology certification program offered by NAR -- is designed to prepare real estate professionals to make the most of Internet technology and to identify, evaluate, and implement new Internet business models. The elite group of course graduates represents only four percent of all REALTORS^Ò in the country including David Hagler of REMAX Executives

 The PRO^Ò certification course is an educational program unlike any other professional certification or designation course available, comprehensive and interactive. It is specifically designed to provide real estate professionals with the technology tools needed to assist consumers in the purchase or sale of a home.

 The exclusive e-PRO^Ò certification course is presented entirely online and certifies real estate agents and brokers as Internet professionals. The course is designed to help REALTORS^Ò stay at the leading edge of technology and identify, evaluate and implement new Internet business models.

 Once completed, the e-PRO^Ò certified real estate professional joins the ranks of a special community of highly skilled and continuously trained professionals who provide high quality and innovative online-based real estate services.  Consumers can identify the e-PRO^Ò through the exclusive e-PRO^Ò Internet Professional logo.

 Both the content and the delivery platform were created by the San Diego-based technology company InternetCrusade^®. Graduates use the skills they've acquired to provide clients information on properties for sale, local communities, and the local real estate market.

 For more information, e-mail David Hagler at mailto:dhagler@remax.net or call   918-809-9776.

Fabulous newer home with attractive covered porch, open floor plan, kitchen with island and pantry, tile backsplash, high ceilings, office infront, split floor plan, spacious master with walkin closet, double sinks, covered patio for relaxing.