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hey welcome back its Jason Walter here I'm making this video today because I almost fell victim to the loan forbearance program of the cares Act and the carrots act as part of that 2.2 trillion dollar stimulus package that was just passed a couple of weeks ago so my lender offered me this program the loan forbearance program my opposite to pass after I found some major pitfalls with this program and I'll discuss that in this video it's been reported that a record number of homeowners are taking advantage of this loan forbearance program according to some reports there's been a 2,000 percent increase in homeowners deciding to do this but I really worried here is that some people are not reading the fine print but I did I'm going to report that to you so you can make an informed decision so you can decide whether or not this program is right for you the large increase in loan forbearance is is really no surprise because governors across the u.s. are closing their non-essential businesses across their states and this has caused over 16 million Americans to file for unemployment benefit claims over the past three weeks and just last week six point six million people filed for unemployment in addition companies across the u.s. are cutting back on their workforce so for example Yelp actually just laid off and furloughed about 2,000 employees and there are also other reports that Tesla is going to be cutting back on their work force due to the closures of some of their factories it's an understatement to say that there's a large increase in the number of people who need assistance with paying their bills and that number continues to increase as you know the US government responded and passed a 2.2 trillion dollar stimulus package that gave a big boost to unemployment benefits including a $600 weekly increase of up to four months on top of state benefits it also extended unemployment benefits to those who normally do not qualify and those would be gig workers freelancers and independent contractors who are affected by this kovat 19 virus in addition this cares act or the stimulus package added on an additional 13 weeks of state benefits furthermore Americans should start receiving $1200 each as long as you make send $75,000 if you're single or less than a hundred and fifty thousand dollars if you're married filing jointly plus you receive another $500 per qualifying child and the first round of payments are scheduled to go out next week but we'll see you about that there's also some reports there may be some more sinless money coming after this but it's really too early to tell whether or not this is going to come to fruition so definitely do not count on it in addition the cares Act allows homeowners to request a loan forbearance to defer their mortgage payments for up to a hundred and eighty days and potentially for an additional hundred days for those who qualify however this only applies you have a federally backed mortgage such as FHA VA USDA fannie mae and fannie Mac for example and by the way if you're a homeowner and you want to know if you have a federally backed mortgage just contact your loan servicer and that's the company that you've sent your mortgage payment to and just ask them if you are part of this program if you find out that your mortgage is not federally backed you can still ask for financial assistance because regulators have been pushing these lenders who are not fairly back to still work with you let me briefly describe what happened with me how I ultimately decided not to move forward with this loan forbearance program then I'll discuss the advantages and disadvantages of this program I'm a realtor here in Sacramento California and because we have the stay at home order in place I haven't been able to do my job to the fullest extent ever since we had a stay at home order which has been I think about three weeks now so I found out through with my friend who is self-employed and he has a non-essential worker and so he actually contacted his loan servicer to see if there's anything that they could do for him and what they'd get from him was a three-month period where he does not have to make any mortgage payments and his loan servicer approved this loan forbearance period for three months because his business is completely closed he's not getting any income in whatsoever but he still has bills to pay so I thought myself gots really great that his mortgage company is really working with him so I thought well I'm have been affected by this pandemic I'm a real estate agent I'm 90 showhouses me any clients face-to-face and so I called my loan servicer explained the situation and they offer me six months where I do not have to make any mortgage payments whatsoever I just told them basically what was going on and they didn't ask for any documentation whatsoever they just trusted me based on my word and approved me on the spot however I did a ton of research about this loan forbearance program and decided not to move forward with this and I found out really there are some advantages of this program but there are some key disadvantages of this program as well so let me discuss both of those with you but before that please smash the light button they'll help support this channel also subscribe if you haven't done so already I'll keep you updated about real estate related topics and personal finance here are some key advantages of this loan forbearance program and that is that there's no fees or penalties to enter into a loan forbearance it also will not be report to the credit bureaus that you entered into this loan forbearance program or that you are delinquent on your payment's the homeowner typically has some options at the end of the forbearance term but that varies by the lender so you definitely need to read the fine print and if you truly cannot pay your mortgage because your income has been affected by kovat 19 then entering into a loan forbearance program is far better than getting your house foreclosed on ok let's talk about some disadvantages and in my opinion some of these are very very bad so let's go over those there is no reporting to the credit bureaus by your lender during the duration of your tire term of this loan forbearance so if you have a loan forbearance for six months then your lender is not going to be reporting anything to the credit bureaus for that six month period so this lack of reporting could potentially have a negative effect on your credit so let me just read you what my lender I'm sent me it says that we will not be reporting the delinquency status or the entry into the forbearance plan to credit reporting agencies during the term of the forbearance plan so keep in mind that's at three to six month period so it says credit reporting agencies may consider whether there is an increased credit risk due to the lack of reporting and then also we are uncertain as to the impact of your score so you're basically going dark for six months because the your lender is not going to be sending any information to the credit agencies for the term of your loan forbearance period so the credit bureaus are going to be scratching their head wondering is this person actually making their payments or not are they delinquent on their payments really have no idea because we're not receiving any reporting whatsoever about what's going on and I personally made a decision I've had an 800 plus credit score for many many years and I didn't want to do anything to jeopardize or impact my credit score potentially so I assigned obviously not to do this loan for parents program another key disadvantage of this program is that these payments simply do not just go away you have to pay for these missed payments at a later point in time here's yet another major disadvantage of this loan forbearance program and that is what happens at the end of this term let me just read you what my lender sent me it says prior to the end of the forbearance plan again that's at six month period we will contact you to discuss your situation and provide information on options that may be available to you options to resolve your delinquency may include a reinstatement a repayment plan or a loan modification plan so let's go over each of those so the reinstatement that sounds great right you had a reinstatement awesome you didn't make any payments for six months you just reinstate no but that is actually the worst option for you what that means is that you have to make a balloon payment for all your missed payments and then your missed payments would be your principal and interest so if you stopped making your mortgage payment for six months then suddenly this reinstatement means that you have to make a lump sum payment for your missed payments which is absolutely horrible the repayment program means that you're actually going to be saying up a payment plan to help pay off your balance owed but this completely vague language there's nothing in here to say what that payment plan would look like how long it is and how much your payment is going to be in my opinion the loan modification is absolutely positively the best option for you if you're thinking about doing a loan forbearance so what they effectively do is take all your missed payments and they bake it into your loan but you still have this same interest rate and payment so the effectively we just increase the term of your loan if you are having a six-month loan forbearance period then they might increase your loan term by six months and what I really do not like about this letter that was sent to me was the vague language so if you're thinking about doing a loan forbearance and you get a letter from your lender make sure there's clear language in place there about what your options are going to be not what there may be so if they were going to force upon a homeowner to do a balloon payment with that reinstatement plan that's gonna be five to ten thousand dollars or more for many homeowners that are at the write a check after this loan forbearance period and how many people are going to have this ability to do this after they've been unemployed laid off or furloughed and they have a hard time paying their bills right now so how are they going to write a large check at the end of this term so it's a really a big question mark on top of this my loan servicer states the following at the conclusion of the forbearance plan if you are unable to reinstate your loan in full we will work with you to determine what assistance options you may qualify for you may be required to submit an application for assistance potential options include a repayment plan or loan modification so my question is what happens if I were to apply for this loan modification and they deny it am I gonna be forced to make this balloon payment of all these missed payments for the last six months I have been making my um my mortgage or will I have to sell my house for others who have no equity in their houses are they can be forced to do a short sale or foreclosure this is bad news a key point is that this varies by the lender so for example there's an article on NPR's website that said that freedom mortgage was causing grief and frustration to some of its customers because it said that after this loan forbearance period those delinquent loan amounts are not added to the end of the more but rather are due at the conclusion of the forbearance period and the company said the requirements did not provide for any extension of the term of the mortgage so therefore the balloon payment was the only option or run the risk of foreclosure or selling your house so they're basically saying that you knock they're not going to be doing a loan modification for their customers the only option is do this balloon payment of the missed payments so hopefully they got their act together and are giving their customers more options and again in my opinion did this balloon payment option is absolutely horrible if someone's experiencing a financial hardship how are they going to have this ability to pay for their missed payments after just a few months by writing a check I don't really see that as an option for our homeowners I also want to point out that a key disadvantage for the loan servicer is that they may be on the hook for these missed payments so when you make your mortgage payment to your loan servicer they in turn sent a portion of those payments to the investor of the mortgage-backed securities so when you don't pay the loan servicer may be on the hook for those payments and remember federally back merges such as the FHA VA USDA fannie mae and fannie Mack are required to comply with a cares act and offer a loan forbearance if the homeowner has a financial hardship due to kovin 19 so obviously there has to be a solution to this and right now there's a push to provide temporary liquidity to these mortgage servicers but nothing's been finalized yet at the time this video and it's been reported that these missed payments could be as large as of 100 billion dollars so without some government assistance on this some of these mortgage servicers may be in big trouble so hope they figure this out soon and by the way this is really important if your monthly mortgage payment includes your property taxes and your insurance and you do decide to do a loan forbearance make sure you call your loan servicer to see how those are going to get paid if you do not have this impound account or your mortgage payment is only your principal and interest then make sure you continue to pay for your insurance and property taxes please subscribe and I'll keep you updated with new meltem it also if you liked this video please hit the like button I truly would appreciate that you also can follow me on Instagram I'm Sacramento realtor I hope you have an awesome day and I look forward to seeing you on the next video [Music]

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How do you make this information that was not in a digital format a computer-readable document for the user? " "So the question is not only how can you get to an individual from an individual, but how can you get to an individual with a group of individuals. How do you get from one location and say let's go to this location and say let's go to that location. How do you get from, you know, some of the more traditional forms of information that you are used to seeing in a document or other forms. The ability to do that in a digital medium has been a huge challenge. I think we've done it, but there's some work that we have to do on the security side of that. And of course, there's the question of how do you protect it from being read by people that you're not intending to be able to actually read it? " When asked to describe what he means by a "user-centric" approach to security, Bensley responds that "you're still in a situation where you are still talking about a lot of the security that is done by individuals, but we've done a very good job of making it a user-centric process. You're not going to be able to create a document or something on your own that you can give to an individual. You can't just open and copy over and then give it to somebody else. You still have to do the work of the document being created in the first place and the work of the document being delivered in a secure manner."

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