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How to Sell a House When It's Worth Less Than the Mortgage

Author: Dwan Bent-Twyford
Publisher: John Wiley & Sons
ISBN: 0470455039
Category : Business & Economics
Languages : en
Pages : 244

Book Description
Due to the wave of refinancing in recent years, and the fall in home values, in 2009 about 12 million homeowners and investors will be "underwater"--owing more than their property is worth. This book explains all the options for these homeowners who are trapped with houses they want to get free from, people whose property value has dropped so low that they can't sell the property, people whose mortgage payment has adjusted and now they can't afford the property. In addition to offering advice on subject to's, rentals, leases, loan modifications and more...the book will teach America how to short sale their own home.

Underwater

Author: Ryan Dezember
Publisher: Macmillan + ORM
ISBN: 1250241812
Category : Political Science
Languages : en
Pages : 189

Book Description
Winner of the Bruss Real Estate Book Award His assignment was to write about a real-estate frenzy lighting up the Redneck Riviera. So Ryan Dezember settled in and bought a home nearby himself. Then the market crashed, and he became one of the millions of Americans who suddenly owed more on their homes than they were worth. A flood of foreclosures made it impossible to sell. It didn't help that his quaint neighborhood fell into disrepair and drug-induced despair. He had no choice but to become a reluctant and wildly unprofitable landlord to move on. Meanwhile, his reporting showed how the speculative mania that caused the crash opened the U.S. housing market to a much larger breed of investors. In this deeply personal story, Dezember shows how decisions on Wall Street and in Washington played out on his street in a corner of the Sunbelt that was convulsed by the foreclosure crisis. Readers will witness the housing market collapse from Dezember’s perch as a newspaper reporter. First he’s in the boom-to-bust South where a hot-air balloonist named Bob Shallow becomes one of the world’s top selling real-estate agents arranging condo flips, developers flop in spectacular fashion and the law catches up with a beach-town mayor on the take. Later he’s in New York, among financiers like Blackstone’s Stephen Schwarzman who are building rental empires out of foreclosures, staking claim to the bastion of middle-class wealth: the single-family home. Through it all, Dezember is an underwater homeowner caught up in the mess. A cautionary tale of Wall Street's push to turn homes into assets, Underwater is a powerful, incisive story that chronicles the crash and its aftermath from a fresh perspective—the forgotten, middle-class homeowner.

Underwater

Author: Rebecca Elliott
Publisher: Columbia University Press
ISBN: 0231548818
Category : Social Science
Languages : en
Pages : 192

Book Description
Communities around the United States face the threat of being underwater. This is not only a matter of rising waters reaching the doorstep. It is also the threat of being financially underwater, owning assets worth less than the money borrowed to obtain them. Many areas around the country may become economically uninhabitable before they become physically unlivable. In Underwater, Rebecca Elliott explores how families, communities, and governments confront problems of loss as the climate changes. She offers the first in-depth account of the politics and social effects of the U.S. National Flood Insurance Program (NFIP), which provides flood insurance protection for virtually all homes and small businesses that require it. In doing so, the NFIP turns the risk of flooding into an immediate economic reality, shaping who lives on the waterfront, on what terms, and at what cost. Drawing on archival, interview, ethnographic, and other documentary data, Elliott follows controversies over the NFIP from its establishment in the 1960s to the present, from local backlash over flood maps to Congressional debates over insurance reform. Though flood insurance is often portrayed as a rational solution for managing risk, it has ignited recurring fights over what is fair and valuable, what needs protecting and what should be let go, who deserves assistance and on what terms, and whose expectations of future losses are used to govern the present. An incisive and comprehensive consideration of the fundamental dilemmas of moral economy underlying insurance, Underwater sheds new light on how Americans cope with loss as the water rises.

Underwater

Author: Marisa Reichardt
Publisher: Farrar, Straus and Giroux (BYR)
ISBN: 0374368872
Category : Young Adult Fiction
Languages : en
Pages : 289

Book Description
Morgan didn't mean to do anything wrong that day. Actually, she meant to do something right. But her kind act inadvertently played a role in a deadly tragedy. In order to move on, Morgan must learn to forgive-first someone who did something that might be unforgivable, and then, herself. But Morgan can't move on. She can't even move beyond the front door of the apartment she shares with her mother and little brother. Morgan feels like she's underwater, unable to surface. Unable to see her friends. Unable to go to school. When it seems Morgan can't hold her breath any longer, a new boy moves in next door. Evan reminds her of the salty ocean air and the rush she used to get from swimming. He might be just what she needs to help her reconnect with the world outside. Underwater is a powerful, hopeful debut novel about redemption, recovery, and finding the strength it takes to face your past and move on.

Breathing Underwater

Author: Sarah Allen
Publisher: Farrar, Straus and Giroux (BYR)
ISBN: 0374313261
Category : Juvenile Fiction
Languages : en
Pages : 129

Book Description
A Junior Library Guild Selection “In Breathing Underwater, Sarah Allen has created characters so alive and compelling that readers will root for them every mile of this moving, heartfelt journey.” —Dan Gemeinhart, author of The Remarkable Journey of Coyote Sunrise A sparkly, moving middle grade novel from Sarah Allen, and a big-hearted exploration of sisterhood, dreams, and what it means to be there for someone you love. Olivia is on the road trip of her dreams, with her trusty camera and her big sister Ruth by her side. Three years ago, before their family moved from California to Tennessee, Olivia and Ruth buried a time capsule on their favorite beach. Now, they’re taking an RV back across the country to uncover the memories they left behind. But Ruth’s depression has been getting worse, so Olivia has created a plan to help her remember how life used to be: a makeshift scavenger hunt across the country, like pirates hunting for treasure, taking pictures and making memories along the way. All she wants is to take the picture that makes her sister smile. But what if things can never go back to how they used to be? What if they never find the treasure they’re seeking? Through all the questions, loving her sister, not changing her, is all Olivia can do—and maybe it’s enough.

How to Sell a House When It's Worth Less Than the Mortgage PDF Download