How to Be Prepared to Take Advantage of President Obama's New Executive Orders on Immigration

How to Be Prepared to Take Advantage of President Obama's New Executive Orders on Immigration
By Jaime G Richards

Now is the time to prepare to take advantage of President Obama's new executive orders on immigration. I have prepared a list of documents you can use to qualify for this program. The Lawyers at Richards, Brinley, and Richards are ready to help navigate qualified people through the process.

Proof of Identity

• Passport or national identity of their country of origin
• Birth certificate with photo
• School or military ID with photo
• Any immigration document or the US Government with your name and photo

Evidence of Presence in the United States

• Passport with admission stamp
• Form I-94 / I-95 / I-94W
• School records of the schools you have attended in the US
• Any document of the Immigration and Naturalization Service or DHS showing your entry (Form I-862, Notice of Appearance)
• Travel Records
• Hospitals or medical records
• Rent receipts or utility bills
• Records of employment (pay stubs, W-2, etc.)
• Records of a religious institution confirming their participation in a religious ceremony
• Copies of receipts for cash money orders sent in or out of the country
• Birth certificates of children born in the United States
• Banking transactions with dates
• Receipts license or automotive records
• Deeds, mortgages, leases
• Receipts tax returns, insurance policies.

Proof of Status

• Form I-94 / I-95 / I-94W authorized expiration date of Stay
• Final order of exclusion, deportation or removal A charging document by placing it in deportation proceedings
• Expired visa

Proof of Education

• School records (transcripts, grades, etc.) of the school you are attending in the US, showing the name (s) of (s) school (s), periods of attendance and grade level current educational
• High School Diploma or Certificate of Completion, degree or another substitute
• Evidence that approved a state-authorized, including the Certificate of General Educational Development (GED) or other authorized state (eg HISET or TSC) in the United States exam.

Proof of Being a Retired Coast Guard or Armed US Forces Veteran

• Certificate of Waiver or Low Active Duty (DD Form 214)
• Form 22, National Guard Bureau (NGB), Report of Separation and Record of Service
• Military personnel records
• Military health records

Employment Retention

• Form W-2
• Completed Form SS-4 (by you or on your behalf)
• Bank Deposits
• Paycheck
• Receipt of payment (canceled checks)
• Job ID
• History email to / from other employees or employer
• Business Cards
• Ads publishing services
• Contact details of your employer
• Paying Taxes
• Form W-2
• Bank statements
• Form Individual Taxpayer Identification Number (ITIN)
• Form W-7 to apply for the ITIN

Immigrant History

• Notice to appear
• Deportation papers
• Any document INS or DHS
• family relationships
• List of dependents on your W-2
• Birth certificates for all children, especially children and children who are citizens Lawful Permanent Residents
• A copy of your green card children who are lawful permanent residents
• Marriage certificate (church and civil)
• Adoption Documents

Community Relations

• Records of the Church attendance / membership
• Community service records
• Records of attendance at school or university
• Documentation neighborhood watch
• Register / documentation of participation in their community center
• Documentation membership pool
• Documentation YMCA membership
• Documentation of participation in sport
• Awards / Honors / Awards community

Criminal Record

• Court Judgments
• FBI criminal background check
• Traffic violations
• Any record that has been expunged
• Criminal records expunged when a child
• Documentation for any pardons
• DUI / rehabilitation class registration

The law firm of Richards, Brinley and Richards Law Group PLLC is experienced and ready to guide qualified individuals through the process. Contact us at 1-888-621-7443 for an appointment or visit us at http://www.inmigracionlawyers.com or http://www.richardsgodfrey.com.

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Struggling to Pay Your Mortgage? What To Do If You're Facing Repossession

Struggling to Pay Your Mortgage? What To Do If You're Facing Repossession
By Yasmin Ffion Scott

We understand that this time of the year can be a difficult time for your finances. Christmas and New Year can be very taxing, and you may already be facing the strain with gift shopping and everything that comes with it.

If you feel like you're dealing with financial difficulty, and beginning to feel pressure with paying your mortgage, it can be a very worrying time. If you find yourself falling behind on your mortgage repayments, don't panic - this doesn't mean it's too late to stop yourself from facing repossession.

Before your home gets repossessed, there are certain steps every lender must take in order to try and prevent this from happening.

Firstly, if you have missed any mortgage repayments, it is crucial that you speak with your lender as soon as possible. The worst thing you could do is avoid them, and pretend it isn't happening. The sooner you speak to them; the sooner a solution can be arranged.

After this, your lender must go through the 'pre-action protocol', which are the conditions put in place before a home gets repossessed. Repossession is the absolute last resort, and must be treated as so.

The lender must:

- Tell you exactly how much you owe, including any interest.
- Consider a request from you to change the way you pay your mortgage.
- Respond to any offer of payment from you.
- If they turn down your offer of payment, they must explain their reasons within 10 working days.
- Give you 15 working days' written warning if they plan to start court action, because you haven't kept to a repayment agreement.

Your lender might also suggest certain options to help you keep your home, and get you back onto being able to afford your mortgage repayments. For example, they may offer to extend your mortgage term, which would mean that the monthly costs would go down. Or, they may simply agree to accept reduced repayments for a certain time period.

However, you have to bear in mind that the lender's solutions may not be the best for you. Also, through accepting these mortgage repayment changes, you have to make sure you can actually afford to keep up with it.

You have to act soon, because you can prevent repossession. If you wait and avoid speaking to your mortgage lender, it may be too late to solve the problem. Once your home starts becoming repossessed, it is difficult to amend the situation.

If you don't think your mortgage lender's options are in your best interests, you don't have to put up with it. Either contact a financial adviser, or Contact Us Today - we will help you.

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What You Can Do If You Can't Refinance Your Mortgage

What You Can Do If You Can't Refinance Your Mortgage
By Bill Len

It happens to many people unfortunately; having the home of their dreams can turn into a nightmare. Perhaps for a combination of reasons they can no longer afford their mortgage payments. They try desperately to refinance but get turned down. Then panic begins to set in; what should we do? This article contains some valuable advice for those people.

If someone cannot afford their mortgage payments due to a recently-gained unemployment status there is help for them. Some programs offered by the government; such as the Unemployment Program, will allow a person to temporarily suspend their mortgage payments for a period of time. This should buy enough time to find another job or make other arrangements for paying the mortgage. The typical maximum length of this payment suspension is one calendar year. If somebody is now unemployed and owe a few months' worth of mortgage payment they should qualify for this type of program.

Some financial institutions offer a "Home Loan Modification Program," with the intention of making their mortgage payments more affordable for them. In some cases; even if they do not qualify for similar federal programs, they WILL qualify for those offered by their bank. Sometimes the programs offered by these financial institutions do not have any limitations on how much money a person can borrow or when the origin of the loan took place. This can be a viable option for someone.

If things have become so bad for a person that they want to leave their home, there are different options available for them. One choice could be the "Home Affordable Foreclosure Alternative" program. With this choice the federal government provides the struggling homeowner legitimate opportunities to stay in their home. This is done through options that allow a person to settle their mortgage debt without having the home foreclosed upon. If foreclosure is imminent and they must leave, this program will offer them relocation financial assistance if they qualify. A list of the qualifications that are necessary can usually be found on pertinent websites on the Internet.

A different option for someone who must sell their home is a cooperative short sale. This type of short sale is an alternative to foreclosure for those who are not eligible for a more traditional form of short sale. With this kind of a short sale, a financial institution can begin to pursue the necessary approvals before the struggling homeowner entertains listing their property. This is another type of program for which somebody could be eligible for relocation assistance of a financial nature. It is definitely worth checking this option out.

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The Benefits of Having a Balloon Mortgage

The Benefits of Having a Balloon Mortgage
By Bill Len

What is a balloon mortgage and what are the benefits of having one? A balloon mortgage is a loan of a short duration that mirrors a traditional mortgage. The difference is that; upon the conclusion of its term, its holder must make a substantial payment to pay off the remaining principal amount. There are some advantages to having this type of mortgage. We will explore what they are.

One attractive feature of a balloon mortgage is that they have shorter durations that the decades long terms of traditional mortgages. These terms can vary from five to seven years long; or if the borrower chooses, longer terms of up to ten years. At the conclusion of this type of loan, its holder has a few options to choose from. Options such as to pay the rest of the principal off or sell the home. Another option they have is to have a new mortgage agreement drawn up for them.

Another advantage of a balloon mortgage is that the interest rates and monthly payments are typically lower than with other kinds of mortgages. It may also afford the borrower the opportunity to qualify for a bigger loan amount. If someone is expecting a financial windfall before the end of the loan term; or they opt to sell the house before their loan term expires, a balloon mortgage could be a perfect choice for them.

An important feature of a balloon mortgage to contemplate is that it allows the borrower to re-calculate their mortgage in accordance with current interest rates and pay the newly calculated monthly payment for the rest of the loan's duration. In order to do this however, there are some qualifying conditions he or she must meet. The criteria includes them actually living in the home; not being delinquent in making the payments for at least the prior year and not having any liens on their property.

The pre-eminent feature of a balloon mortgage is that the loan itself does not amortize, but rather utilizes a series of payments and then one huge payoff payment at the very end of its term. A balloon mortgage is very easy to refinance; so if needed at some point in time, a different kind of mortgage with a fifteen to thirty year term can be taken out by the borrower.

One more advantage of a balloon mortgage we would like to mention is that; homes with this kind of a mortgage are particularly easy to sell off. If a potential buyer has a great credit rating they will receive an excellent interest rate on the home. Some people say that a "speedy and bulk repayment is the motto of this loan." If done properly; over the course of time, people that utilize balloon mortgages can acquire a small fortune for themselves. If you are considering this type of a mortgage, make sure you do your research and also speak with mortgage experts. They will fully advise you of all the advantages and disadvantages of doing it this way.

If you looking for a jobs in Boston that has the potential to make over 150k+ your 1st year. And you have your real estate license MA then please contact us at Tazar. Also if you need the best Boston plumbing service at a fair value please contact Boston Plumbing.

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