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Foreclosure filings were reported on 2.3 million U.S. properties in 2008, an increase of 81 percent from 2007 and up 225 percent from 2006, according to the RealtyTrac U.S. Foreclosure Market Report released January 15, 2009. The soaring number of forclosures have sent ripples through the housing and banking industry with the affects being felt by millions.

According to RealtyTrac, California, Florida, Arizona posted the highest 2008 foreclosure totals. A total of 523,624 California properties received a foreclosure filing in 2008, the nation’s highest state total. Foreclosure activity in the state increased nearly 110 percent from 2007 and nearly 498 percent from 2006. With 385,309 properties receiving a foreclosure filing in 2008, Florida documented the second highest state total. Florida foreclosure activity increased 133 percent from 2007 and nearly 412 percent from 2006. Arizona’s 2008 total of 116,911 properties receiving a foreclosure filing was third highest among the states. Foreclosure activity in Arizona increased 203 percent from 2007 and 655 percent from 2006. Other states with Top 10 totals for 2008 were Ohio, Michigan, Illinois, Texas, Georgia, Nevada and New Jersey.

With mounting job losses and a weakening economy, forclosures and mortgage delinquencies are expected to continue to rise. The nation’s unemployment rate shot up at the end of the year, reaching 7.2 percent in December — its highest level since early 1993, according to a Labor Department report release January 9, 2009. That puts U.S. job losses at 2.6 million for 2008.

However, with all this doom and gloom in the housing market, there is a glimmer of hope for senior homeowners 62 years of age and older. That hope comes in the form of a HUD Home Equity Conversion Mortgage (HECM) or Reverse Mortgage. Those who have obtained a reverse mortgage need not be concerned with the increasing forclosure rates and whether or not they can make their mortgage payments. With a HECM reverse mortgage, there are no monthly payments required. 

Borrowers remain in their homes for life and never have to worry about making a mortgage payment again. All they need to do is keep the property in good repair, pay their property taxes and keep their homeowners insurance current and paid. 

For seniors who currently do not have a reverse mortgage, now may be the time to explore the option. It does not matter if a senior is currently late on their mortgage. They may still qualify for a reverse mortgage. To qualify all borrowers on title must be 62 years or older, occupy the property as their primary residence and not currently be in a bankruptcy. That’s it! 

MLS Reverse Mortgage has helped save several seniors who were months away from losing their homes. 

So, in these tough economic times, there is still hope for seniors looking for mortgage payment relief or cash out to enjoy life’s pleasures.

Learn more online: http://www.mlsreversemortgage.com

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Shangri-La, Paradise can be yours! 6000 sq.ft house with 8 interconnecting domes, a 2000 sq.ft separate building, a 32 ft. diameter grow-dome. All built with love by Nicole LaVoie of SoundWaveEnergy in beautiful Southern Colorado. Property has magnificent views of the Rocky Mountains and the Apishipa River Valley in Las Animas County.

Craigslist is the most simplified form of classified ads in several topics and is split to cover all fifty states and various parts of the United States of America. Craigslist receives almost four billion page views every month and is a community, having extensive members around the world.

Craigslist offers free posting of advertising and with such a vast ocean of customers, it would be ridiculous, to say the least, not to advertise on Craigslist. Another appealing factor to advertise on Craigslist is the low risk related to posting. It is reported that there are ten million monthly visitors to Craigslist and hence the advertisements shown on Craigslist would certainly get the attention of the potential buyers. So, the advantages of advertising on Craigslist are unlimited.

If the ads placed kindle the curiosity of the viewers and convey the right information and are placed in the right place for the prospective customers to access, then, advertising on Craigslist is highly successful. To make the best use of advertising on Craigslist, it is vital to make targeted advertising and it should reach the right persons who are interested in buying the products and utilize the services.

The major advantage of advertising in Craigslist is that there are different categories for posting. In fact, it is almost similar to the classified section of a newspaper. After identifying the target customers who have a genuine interest in the products or services, the next step is to find the corresponding category on the Craigslist.

If the ads posted do not fall into any of the sections specified, then, they may be posted in the small business ads section. One can also suggest new categories by contacting Craigslist which has a chance of being considered by them. While advertising on Craigslist, it is important to follow the rules and do accordingly. If an ad is placed in too many categories owing to over enthusiasm, they may get into the trouble of spamming which ultimately leads to being banned from Craigslist and effectively, shun the potential customers.

Advertising on Craigslist is also an intelligent way of making new friends. People who are interested in organizing online networking opportunities for like minded people to share ideas, can make use of Craigslist. This would help to create a thriving community. Discussion forums are placed on Craigslist to voice the opinions and exchange information and give a chance to meet others.

It is an understatement to say that advertising on Craigslist is advantageous, rather, it would be better to say Craigslist is the most ideal place to advertise a product or service, if one wants to expand the horizon of potential customers.

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Multi Families Foreclosures Remain Unsold Despite Low Mortgage Rates
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