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RADHA’s Fast Equity Builder Mortgage:
13 September 2009 18:48
Benefits
RADHA Mortgage provides banks the 5things they need most:
1. Time,
2. Capital,
3. Transforming real estate liabilities into performing assets,
4. Accurate pricing (above market price)
And most of all =
5. Reducing cost of (Real Estate) Write Downs by ...
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There is no Banking (or Real Estate) Crisis. It’s an Accounting Mistake (Part I)
25 April 2009 14:49
How many names can you think of for ‘home loan?’
Mortgage. Securities. Credit-default-swaps?
Different names, same loan. The titles may have confused the accounting as we explain.
The lender asked the homeowner if they would like a loan. Let’s say it’s for $100,000.
The homeowner said yes.
Lender ...
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The ‘Other Way’ To Rid All ‘Toxic Loans’ (Part II)
17 June 2009 14:30
The ‘OTHER WAY’ to get rid of all ‘toxic loans’ (besides bank bailouts) would be to refinance all ‘underwater’ homes (that owe more than they are worth). No More ‘Underwater Homes.’ No More ‘Toxic Loans.’
(Refinancing homeowners is described in Part I: Banks & Insurance Paying off Same Loan.’
The ...
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Finance Bail-Out with Banks Write-down (Part III)
17 June 2009 14:32
In Part I, we demonstrated how the bank and insurance company have been writing off the same mortgage when writing down their own set of securities. (Each has a duplicate of the same mortgage security so the write down by the bank is also writing down the same mortgage for the insurance company too, ...
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Trillion Dollar Discovery:
23 March 2009 13:04
Here's the latest. Everything is summarized in my letter to Carlos.
Hi Carlos,
Thank you for this ACRON report. It offers some very exciting prospects for our RADHA mortgage program.
I’ve just finished the re-write of the RADHA Manual. It took a month. (I’ve been off line during this time.) ...
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RADHA LOANS: An Effective Solution to the Real Estate Crisis that is Simple, Affordable & Fast
26 February 2009 17:14
Name: The RADHA Group
RADHA:
R = Real Estate
A = Association for
D = Depreciating
H = Housing
A = Assets
Named after the Goddess of Devotion. This mortgage program has had a series of names as the program evolved from Compound Mortgage, to Duel Mortgage, to Depreciating Mortgage and ...
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Credit Union Endorses FAB Mortgage
16 December 2008 21:45
We have a couple credit unions now using this new mortgage program. Here's their letter of endorsement of how it works and its benefits to homeowners and banks alike.
The letter is by Carlos Calderon, the CEO of the OAS Credit Union. Carlos and Executive Director: Melinda, changed the name of the ...
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