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Bright Johnson, a money writer and researcher, is the publisher of The St Louis mortgage industry is puzzled at the report coming from the United States Treasury Department stating that approximately 90,000 distressed homeowners may lose their federal mortgage funding that was made available by the foreclosure prevention programs.

This report is not just for those who have yet to apply. The loss of monetary benefits includes those who have already completed their loan modification and have paid their lower payments on time every month.

While some of these consumers are losing their benefits due to their surprised latest failure to continue to prove that they were qualified for this help in the first place Cheap Georgios Papagiannis Shirt , many other approved homeowners are losing their current loan modifications due to earning too much or too little income since they started the process.

Although federal programs must have certain limitations to avoid fraud and misuse of governmental funding, what makes this program flawed according to many experts is that it actually penalizes those who are saving some of their income for retirement.

These new accumulated savings will put most homeowners needing this emergency foreclosure prevention over the limit and thus they no longer qualify. And these are the very ones that cannot qualify for a St Louis home loan.

There are many who are loudly calling for the government to stay out of matters that constitutionally dictate they have no right to enter in the first place. But then to disqualify those who originally qualified for funding doesn't seem fair as well.

These homeowners who by the way could not get a St Louis refinancing loan had to go through a rigorous red tape process by meticulously filling in all the paperwork to get approve for their loan modification in the first place.

This of course saved them from foreclosure. But the celebration came to an abrupt end. These responsible homeowners who were making their payments on time received word that Uncle Sam was not going to keep his end of the bargain.

The devastating irony is that taxpayers who have paid taxes for years to keep the government going are the very homeowners who now need assistance yet are denied such deserving benefits.

Advocates for the mortgage and real estate industry are speaking out against the massive bailing out of fraudulent companies which they say must stop and all federal monies re-routed to taxpayers who deserve such benefits.

What is interesting is that due to this bailout fiasco, there are private companies springing up that offer similar foreclosure prevention services but at a cost to St Louis mortgage owners.

One such company that is now offering mortgage-relief options to these distressed homeowners rather than offer the red tape federal mandates is Wells-Fargo. And there seems to be no end to the line-up of homeowners who are leaving federal programs for private ones.

So, you really cannot blame these disconcerted homeowners from leaving this government chaos and looking for direct answers on whether they can truly keep their home or not from companies such as Wells-Fargo.

After spending one year in Seoul Cheap Iman Shumpert Shirt , I have the courage to say that this city is out of the world. With a populace of more than twenty five million, Seoul is a dynamic, economic powerhouse. Home to many of the globe’s biggest companies, this city hardly sleeps.

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