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Trident Title

Credit Brain

HAD

The Mortgage Firm

Brightway Insurance

Paul A. Krasker

Short Sale Innovations

 

  • Trident Title

    888-973-7828

    Trident Title

    Trident Title provides cutting edge title insurance and settlement services throughout the state of Florida for any type of real estate transaction. Our team of experts offers an unparalleled level of knowledge and understanding of the industry. Our cutting edge technology allows us to be more consumer focused and ensures the security of non-public, private information.

    We don’t just clear title and coordinate closings, supporting our clients and providing the best solutions in the most cost effective way is the foundation we build upon. As an Agency in the Florida Agency Network (FAN), we have joined forces and taken on the responsibility of providing and teaching our clients how to use the latest technology and tools to their advantage.

    Realtors:

    Trident Title serves the real estate community as a trusted partner going above and beyond industry compliance standards.

    Lenders:

    As an agency in the Florida Agency Network (FAN), our clients can rest assured Trident Title meets and exceeds industry compliance standards.

    Builders:

    Builders and Developers across the state of Florida choose Trident Title to partner with as they navigate the complexities of a building or development project.

    Attorneys:

    Our attorneys  are available to assist with the many legal issues that can occur during a real estate transaction.

    Short Sales:

    Our designated short sale department has attorneys on staff to help with negotiations as well as the many other issues that can occur during a short sale transaction.

  • Credit Brain

    888-973-7828

    Credit Brain

    Credit Brain is a “smart credit” company. Specifically, we have completed extensive research into credit reporting, credit ratings and credit bureaus and the many factors that affect them. Credit Brain has combined all of its research with tools used to not only maximize credit ratings, but to help ensure long lasting credit success. Our company is happy to pass on the knowledge and resources to our clients.

    Credit Brain is assisted by The Law Office of Paul A. Krasker, P.A., a law firm founded on solutions for today’s economy. This affiliation creates a very unique and powerful combination as we combine our extensive credit research and tools with the experience of the law firm.

    Credit Brain focuses on helping clients by providing tools to educate and by developing a custom plan for success. The goal of Credit Brain is to educate clients on the proper ways to strengthen credit ratings, remove incorrect credit items and make recommendations that will provide a positive and long lasting effect.

    Credit Brain are nationally certified by National Association of Credit Services organizations, (NACSO) and The Law Office of Paul A. Krasker, P.A. is a proud sponsor of NBC News Channel 5 “Impact 5” housing series and an approved advisor of the State of Florida Hardest Hit Fund.

  • Homeowner Assistance Division (HAD)

     

    Homeowner Assistance

     

    Our firm is unique in that we have a separate division,the Homeowner Assistance Division (HAD) that is solely dedicated to the mortgage and real estate crisis.  The division combines a team of real estate attorneys with a team of mortgage research and communication staff.  This unique group allows HAD to concentrate on both real estate law and lender guidelines and policy.  HAD is led by Paul D. Baltrun, an experienced loss mitigation professional with 18 years of mortgage and real estate experience.

     

    Foreclosure Defense for the Palm Beaches

    We have a team of west palm beach foreclosure attorneys that understand the complex foreclosure laws and the foreclosure process. Our approach to foreclosure defense can take one of two strategies. We can be reactive, to responding to pleadings in hopes of delaying the foreclosure and allowing a short sale or deed in lieu to occur, or we can be proactive, and obtain a forensic compliance audit of the loan documents in hopes of reducing or in very limited cases, eliminating the debt. No matter your situation or strategy, we are here to help you through the foreclosure process by filing the needed pleadings, attending the required mediation and hearings or bringing appropriate counterclaims. Our goal is to do everything in our power to in save your most valuable possession and slow, or in limited cases, stop the foreclosure proceedings.

     

    Bankruptcy

    Filing Chapter 7 may be an option which will relieve you of your debt and help you get the fresh start you need. There are several important advantages of filing Chapter 7 bankruptcy. In fact, Chapter 7 is the most common form of bankruptcy in the United States. An individual or a joint debtor may file under Chapter 7 of the U.S. Bankruptcy Code. This process involves the liquidation of assets and the distribution of proceeds from this liquidation to creditors.

    Chapter 7 bankruptcy offers immediate and complete relief of outstanding debts while Chapter 13 merely provides individuals with outstanding debt, a plan to pay back the money that they owe. In this way, Chapter 13 is known more as reorganization than a total liquidation. While the debtor may occasionally be forced into a particular kind of bankruptcy by the creditor, most often they are able to choose which chapter they prefer to file. In certain circumstances, the debtor may be forced into an involuntary bankruptcy by a creditor, but can often convert from 7 to 13 if they wish.

    Loan Modification for the Palm Beaches 

    A Loan Modification creates a permanent change in one or more of the terms of a mortgage loan, allows the mortgage loan to be reinstated, and results in a payment the mortgagor can afford. This is a great tool to reduce monthly payments to make a home more affordable in today’s economic climate. The most common loan amendments include: New interest rate as low as 2%; Past due payments brought current over a period of time and principal balance forbearance.

    HAD works hand in hand with HUD approved housing counseling agencies to assist homeowners with loan modifications.  By referring this type of business to HUD approved agencies, homeowners receive the benefit of working with licensed and trained modification counselors.

     

    Short Sale

    A short sale occurs when the homeowner sells the home to a third party buyer when the homeowner owes more than what the property is worth. We negotiate with the lender to reduce the mortgage balance below its current balance to allow for a sale of the property, and attempt to reduce or eliminate the loan deficiency. This allows a new buyer to purchase the property at fair market value and may or may not allow the seller to walk from any further liability under the loan.

    Our short sale negotiators have extensive knowledge of the options available with all major lenders.

     

    Deed in Lieu

    Deed in Lieu of Foreclosure is when the homeowner transfers their property to the lender in exchange for the waiver of any further liability under the loan. Before a Deed in Lieu may be considered, lenders require that the property be listed for sale with a licensed realtor for a period of at least three months. After the three month period, this may be the quickest and simplest option for a complete waiver of deficiency, but a Deed in Lieu is much harder to get approved than short sales.

     

    New Mortgage Qualification

    We can help set up a strategy to qualify for the purchase of a home in the future. A plan is designed to help clients meet all aspects of mortgage qualifications so that ownership is a possibility again. Some criteria that we review are credit rating, downpayment, debt to income levels and real estate market analysis.

    We are also able to introduce clients to several alternative financing sources, often referred to as “hard money” lenders. The rates may not be as attractive as government backed loans, but can be very helpful in restoring credit so that a homeowner can qualify for more traditional financing after a few years of consistent payments.

     

    Tax Appeals

    We assist owners to lower their tax valuations. For those clients who feel their taxable values are still too high after their proposed tax bill arrives in mid-August, we offer an affordable tax evaluation service. We do not charge a success fee and stage our fee structure so that clients do not have to invest the full $900 at once or at all.

    First, the filing fee to appeal is only $15 and there is plenty of time after the mid-September appeal deadline to investigate the valuation issues. Our staged fee structure is outlined below.

    For an initial fee of $100, you will be provided with an opinion of value based on recent comparable sales. Once you review that opinion of value and desire to pursue the appeal of your taxes, for a flat $400 fee, we review that opinion of value with you and attempt to negotiate a pre-hearing settlement with the Property Appraiser’s Office. If we are unable to negotiate an acceptable settlement and still think you have a strong case, or if you disagree with the proposed negotiated settlement, we are available to attend the Value Adjustment Board hearing on your behalf for an additional fee of $400.00.

    Debt Assistance Strategies

    Credit Card and Unsecured Debt Negotiation

    We can help negotiate credit card and other unsecured debt. We will assess your current financial health and draft a strategy to address your unpaid unsecured debts and decide on a settlement plan that works for your income level. If you qualify, we have relationships with “back end” negotiators who, in most instances, are able to obtain very positive results: interest and penalties are waived, part of the principal is reduced and payments are extended to very manageable terms.

     

    Deficiency Judgment Negotiation

    In the event a foreclosure and a deficiency judgment is entered against you, the lender has the right to pursue collection efforts against the remainder of your assets.

    We can help navigate the enforcement proceedings and/or settle the proceedings on favorable payment terms. In certain circumstances, wages are exempt from creditor attempts of garnishment, and certain assets are exempt from levy.

     

    IRS Tax Negotiation

    We can help negotiate a reduced payoff (“Offer and Compromise”) or negotiate an approved payment plan on IRS tax liens.

     

    Credit Restoration

    We can outline a strategy to improve your credit score and teach you how to keep negative marks off for the future. We have a system to improve your credit scores, and our personal touch ensures the program fits your needs and is within your budget.

     

    Management Oversight

    Paul Baltrun – Director, Homeowner Assistance Division

    HAD is managed by Paul D. Baltrun, a visionary in the mortgage crisis.  He is an experienced Loss Mitigation professional, Mortgage Correspondent, Mortgage Banking Executive and Senior Business Administrator with over 18 years of experience. Over the past 4 years, Mr. Baltrun has dedicated his profession to our mortgage and real estate crisis.  He assists Florida Homeowners through his facilitation and administration of the firm’s agency approval for the Florida Hardest Hit Fund.  Mr. Baltrun was a pioneer in the loss mitigation industry as the founder of Community One, Incorporated, a national servicing company for loss mitigation files.
Mr. Baltrun has founded and operated Community One Mortgage and First Financial Savings, both correspondent mortgage lending companies. He held the position as Vice President of Operations for a fortune 200 mortgage banking company. Additionally, Mr. Baltrun was chosen by the CEO of American General, a fortune 500 company to be part of a distinguished management group.

    Mr. Baltrun holds a BS in marketing from Florida State University, several mortgage accreditation and is a leader in his community. He is asked by various media sources on a regular basis to speak on today’s mortgage problems and solutions.

  • The Mortgage Firm

    888-973-7828

    TheMortgageFirm

    Headquartered in Orlando, Florida, and with offices in South Florida, The Mortgage Firm has been providing quality real estate financing since 1995. With a proven track record, we serve the lending needs of real estate professionals, builders and individual homebuyers throughout Alabama, Florida, Georgia and Tennessee.

    Our qualified and licensed professionals offer expertise in every area of mortgage lending: Conventional, FHA, VA, USDA and Reverse Mortgages.
    We have access to a full range of mortgage sources and all of our lending specialists are dedicated to find the right mortgage loan product to fit each customer’s needs. But that’s just the beginning. Throughout the lending process, our talented staff will provide regular updates and progress reports so you know exactly where you stand, in person or online.
    Now more than ever, experienced people and solid financial resources are two of the most important qualities to look for in a lender. With 15 years of success, The Mortgage Firm is a bonded, insured and licensed Mortgage Lender that offers both. We are committed to responsible lending and are well capitalized for the regulatory and industry changes to come.

    Fair Lending Statement:

    The Mortgage Firm, Inc. is committed to treating all individuals fairly and equitably in the conduct of its lending practices in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race; sex; sexual orientation; color; creed; national origin; religion; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; marital status; familial status (number and age of children); military status; sexual orientation; disability; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or other prohibited basis. Denying any person equal access to basic economic opportunities such as home ownership or credit is morally repugnant, has no place in our company, and will not be tolerated.

    Only through the efforts of all of us at The Mortgage Firm can we ensure that every applicant for credit receives fair and equitable treatment, and that we have helped each member of the communities which The Mortgage Firm serves reach his or her fullest potential.

  • Brightway Insurance

    888-973-7828

    Capture

    Enjoy the feeling that comes with knowing you’re protected.

    Your home is a unique reflection of your style and personality. So, a one-size-fits-all approach doesn’t work for you. That’s where we come in. First, we listen to find out about you, your home, your valuables, your life. Then, we construct a policy that lets you live your life, knowing you’ve got the coverage you need.

    While a policy can cover a number of things, Homeowners insurance typically covers damages from:

    • 

Fire / Smoke


Water (Excluding Flood)


Windstorm / Hail


Theft

    There’s certainly more to it, but we’re here to help. We’ll ask you a lot of questions about your home before we start shopping, and encourage you to ask us questions too. Give us a call to get started.

  • Law Offices of Paul A. Krasker

    888-973-7828

    Law office of PAK

    Paul A. Krasker, Esq. founded The Law Office of Paul A. Krasker, P.A. in 2009 and has been serving West Palm Beach and the surrounding communities for over 20 years as a name shareholder of the law firm of Moyle, Flanigan, Katz, Breton, White, and Krasker. In the wake of the housing crisis, with Florida as one of the leaders in foreclosures, Krasker identified a need to assist the West Palm Beach, FL area with distressed property and mortgage solutions.Shortly after establishing the practice, Krasker established an entire division devoted solely to mortgage assistance. He brought on Paul Baltrun, a 25 year mortgage industry veteran to help create the Homeowner Assistance Division (HAD) of The Law Office of Paul A. Krasker, P.A. exclusively to assist distressed homeowners with various mortgage solutions including foreclosure defense, loan modification, Florida Hardest Hit Fund, or Short Sale.
Practice Areas
The team of attorneys at The Law Office of Paul A. Krasker practice law in areas such as foreclosure defense, bankruptcy, loan modifications, short sales, divorce, debt settlement, and real estate law. All attorneys are licensed to practice law in the state of Florida and are located out of our West Palm Beach office off Flagler Drive.
Why Krasker Law

    The lawyers and staff at Krasker Law pride themselves on providing paramount customer service and communication. A client who is in need of foreclosure defense or any other distressed property situation will receive an individualized plan for his or her specific situation. The Law Office of Paul A. Krasker, P.A. serves the entire south Florida region, including West Palm Beach, Boca Raton, Delray Beach, and northern areas such as Port St. Lucie. The Homeowner Assistance Division focuses exclusively on mortgage solutions and provides homeowners with an individualized approach to foreclosure defense, bankruptcy, and all other practice areas.

    Our office is conveniently located in beautifufl downtown West Palm Beach where we offer free consultations for all of our practice areas. Contact us today for your free consultation.

  • Short Sale Innovations

    888-973-7828

    Short Sale Innovations

    Short Sale Innovations (SSI) offers technology, tools and educational seminars keeping your informed and up to date on the latest short sale industry changes, including bank relocation incentives, Home Affordable Foreclosure Alternatives (HAFA) and other state and federal programs.

    What is a Short Sale?

    A short sale is a sale of real estate in which the proceeds from selling the property will fall short of the balance of debts secured by liens against the property and the property owner cannot afford to repay the liens’ full amounts, whereby the lien holders agree to release their lien on the real estate and accept less than the amount owed on the debt. Any unpaid balance owed to the creditors is known as a deficiency. Short sale agreements do not necessarily release borrowers from their obligations to repay any deficiencies of the loans, unless specifically agreed to between the parties.

    A short sale is often used as an alternative to foreclosure because it mitigates additional fees and costs to both the creditor and borrower. While credit is also typically damaged much less than from a foreclosure, both often result in a negative credit report against the property owner.

    Mission Statement:

    Short Sale Innovations’ mission is to assist Homeowners, Realtors, Lenders and Builders in today’s distressed Real Estate market with a positive outcome for all.
Our goal is to consistently strive to exceed our client expectations and provide excellence in service.