Home buyers qualify for FHA loan despite short sale or foreclosure


Eli Younes of Viking Mortgage in Pembroke Pines
Eli Younes of Viking Mortgage in Pembroke Pines

Mortgage borrowers may now qualify for an FHA mortgage under new guidelines established by the Department of Housing and Urban Development (HUD), according to Eli Younes of Viking Realty Group in Pembroke Pines on Tuesday.

As a result of the housing collapse, many homeowners experienced a serious reduction in income or lost their jobs due to the crumbling economy.   Some mortgage borrowers were forced to file bankruptcy or short sale their home to avoid foreclosure.  

Others were not so lucky and lost their home on the courthouse steps.

The new HUD rules allow borrowers whose credit was damaged due to a temporary loss of employment or income to qualify for an FHA mortgage if they have substantially recovered from that situation and maintained a positive credit history for at least 12 months.

Borrowers who recently experienced a bankruptcy, foreclosure, short-sale, loan delinquencies, deed-in-lieu, debt collections or other situation negatively impacting their FICO credit score may now be able to qualify for an FHA loan.

Recognizing that any number of events may have impacted a borrowers’ credit rating, the Federal Housing Administration (FHA) believes that such catastrophic event does not mean they are not financially stable or unable to make a mortgage payment.  

As such, the previous 3-year waiting period required by the FHA on financing a new home has been revised.

“Referred to as the ‘Back to Work’ initiative, this program is designed for borrowers who lost their home through foreclosure, short sale, bankruptcy or deed in lieu and also suffered a 20% or more loss in household income,” Eli Younes of Viking Mortgage told Examiner.  “As with most FHA loans, this program only requires a 3.5% down payment and is applicable for all purchase loans other than the Home Equity Conversion Mortgage.”

In order to qualify for a mortgage under the “Back to Work” initiative, there are several steps that must be taken to prove an “Economic Event” that was beyond the borrower’s control.

Employment Requirements:

The lender must verify that the borrower lost at least 20% or more in household income – or became unemployed – for a period of six months prior to the foreclosure, short-sale, or deed-in-lieu.  To verify loss of income, the lender must request a written Verification of Employment to show the termination date or loss of income, receipt of unemployment compensation, or signed W-2’s and tax returns detailing the reduction in earnings.

To demonstrate a loss of income for part-time or seasonal employment, the borrower must prove a 2-year history in the same field prior to loss of employment.  Borrowers will also be required to prove that they have fully recovered from their hardship, increased earnings and have maintained other credit obligations for a period of 12 months following foreclosure, short sale, bankruptcy or deed in lieu.

Credit Requirements:

When evaluating a borrower for the “Back to Work” initiative following a foreclosure, the lender may deem the borrower eligible if:

1.)  The borrower’s credit report is free of any late housing payments within the last 12 months;

2.)  All other mortgage accounts must be current for the last 12 months, even if the loan was previously modified to avoid a foreclosure action;

3.)  The borrower’s credit report contains no more than a single 30-day delinquency on payments due other creditors; and

4.)  The borrower’s credit report contains no current collection accounts or public records.  This condition may be waived in instances of identity theft or borrower’s with medical collections.

Bankruptcy Filings:

1.)  Chapter 7 Bankruptcy:  One year must have elapsed since the bankruptcy discharge.  Proof must also be shown that the bankruptcy filing was the result of an “Economic Event” covered within the FHA program guidelines.

2.)  Chapter 13 Bankruptcy: Most lenders will require that the bankruptcy filing be discharged with all payments required under the agreement having been made on time.  For borrowers currently in bankruptcy, written approval from the court allowing them to enter a new mortgage contract is required.

Housing Counseling Requirement:

For purposes of establishing satisfactory credit following an “Economic Event,” mortgage borrowers’ under the “Back to Work” initiative must:

1.)  Receive homeownership counseling or a combination of homeownership education and counseling, at a minimum, one hour of one-on-one counseling from HUD-approved housing counseling agencies, as defined at 24 C.F.R. §214.100; and

2.)  Be completed a minimum of thirty (30) days but no more than six (6) months prior to submitting a loan application to a lender, as application is defined in Regulation X, implementing the Real Estate Settlement Procedures Act, 24 C.F.R. §3500.2(b).

The housing education may be provided by HUD-approved housing counseling agencies, state housing finance agencies, approved intermediaries or their sub-grantees, or through an online course.  It may be conducted in person, via telephone, via internet, or other methods approved by HUD, and mutually agreed upon by the borrower and housing counseling agency.

Rules for Renters:

Under certain circumstances, renters may qualify under the “Back to Work” initiative.  For purposes of establishing satisfactory credit, mortgage borrowers must:

1.)  The borrower’s credit report is free of any late rental payments within the last 12 months;

2.)  The borrower’s credit report contains no more than a single 30-day delinquency on payments due other creditors; and

3.)  The borrower’s credit report contains no current collection accounts or public records.  This condition may be waived in instances of identity theft or borrower’s with medical collections.

A foreclosure, short-sale, Chapter 13 bankruptcy or deed-in-lieu will continue to plague a borrower’s credit report at the Equifax, Experian and TransUnion consumer reporting agencies for a period of seven years.  A discharged Chapter 7 bankruptcy will remain on the credit report for a period of ten years.

“With the housing crash, many homeowners experienced unemployment or depreciated home values and for one reason or another were not able to make their mortgage payments,” Carlos J. Reyes, a foreclosure defense attorney with the Reyes Law Group in Fort Lauderdale, told Examiner.  “The recent changes in the FHA guidelines have finally recognized the financial hardship faced by many borrowers and is allowing them to once again reach for the American Dream through homeownership.”

The new guidelines are in effect immediately and will be in force through at least September, 2016.

_______________________________________

As a nationally recognized credit repair and ID theft expert, Bill Lewis is principal of William E. Lewis Jr. & Associates, a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity.

Home buyers may qualify for FHA loan despite short-sale or foreclosure



fha-back-to-work-program

As a result of the housing collapse, many homeowners experienced a serious reduction in income or lost their jobs due to the crumbling economy.   Some mortgage borrowers were forced to file bankruptcy or short sale their home to avoid foreclosure.  Others were not so lucky and lost their home on the courthouse steps.  Borrowers may now qualify for an FHA mortgage under new guidelines established by the Department of Housing and Urban Development (HUD), according to Eli Younes of Viking Mortgage in Pembroke Pines on Monday.

The new HUD rules allow borrowers whose credit was damaged due to a temporary loss of employment or income to qualify for an FHA mortgage if they have substantially recovered from that situation and maintained a positive credit history for at least 12 months. Borrowers who recently experienced a bankruptcy, foreclosure, short-sale, loan delinquencies, deed-in-lieu, debt collections or other situation negatively impacting their FICO credit score may now be able to qualify for an FHA loan.

Recognizing that any number of events may have impacted a borrowers’ credit rating, the Federal Housing Administration (FHA) believes that such catastrophic event does not mean they are not financially stable or unable to make a mortgage payment.  As such, the previous 3-year waiting period required by the FHA on financing a new home has been revised.

“Referred to as the ‘Back to Work’ initiative, this program is designed for borrowers who lost their home through foreclosure, short sale, bankruptcy or deed in lieu and also suffered a 20% or more loss in household income,” Eli Younes of Viking Mortgage told Examiner.  “As with most FHA loans, this program only requires a 3.5% down payment and is applicable for all purchase loans other than the Home Equity Conversion Mortgage.”

In order to qualify for a mortgage under the “Back to Work” initiative, there are several steps that must be taken to prove an “Economic Event” that was beyond the borrower’s control.

Employment Requirements:

The lender must verify that the borrower lost at least 20% or more in household income – or became unemployed – for a period of six months prior to the foreclosure, short-sale, or deed-in-lieu.  To verify loss of income, the lender must request a written Verification of Employment to show the termination date or loss of income, receipt of unemployment compensation, or signed W-2’s and tax returns detailing the reduction in earnings.

To demonstrate a loss of income for part-time or seasonal employment, the borrower must prove a 2-year history in the same field prior to loss of employment.  Borrowers will also be required to prove that they have fully recovered from their hardship, increased earnings and have maintained other credit obligations for a period of 12 months following foreclosure, short sale, bankruptcy or deed in lieu.

Credit Requirements:

When evaluating a borrower for the “Back to Work” initiative following a foreclosure, the lender may deem the borrower eligible if:

1.)  The borrower’s credit report is free of any late housing payments within the last 12 months;

2.)  All other mortgage accounts must be current for the last 12 months, even if the loan was previously modified to avoid a foreclosure action;

3.)  The borrower’s credit report contains no more than a single 30-day delinquency on payments due other creditors; and

4.)  The borrower’s credit report contains no current collection accounts or public records.  This condition may be waived in instances of identity theft or borrower’s with medical collections.

Bankruptcy Filings: 

1.)  Chapter 7 Bankruptcy:  One year must have elapsed since the bankruptcy discharge.  Proof must also be shown that the bankruptcy filing was the result of an “Economic Event” covered within the FHA program guidelines.

2.)  Chapter 13 Bankruptcy: Most lenders will require that the bankruptcy filing be discharged with all payments required under the agreement having been made on time.  For borrowers currently in bankruptcy, written approval from the court allowing them to enter a new mortgage contract is required.

Housing Counseling Requirement:

For purposes of establishing satisfactory credit following an “Economic Event,” mortgage borrowers’ under the “Back to Work” initiative must:

1.)  Receive homeownership counseling or a combination of homeownership education and counseling, at a minimum, one hour of one-on-one counseling from HUD-approved housing counseling agencies, as defined at 24 C.F.R. §214.100.  The counseling must address the cause of the ‘Economic Event” and the actions taken to overcome it as well as reduce the likelihood of reoccurrence; and

2.)  Be completed a minimum of thirty (30) days but no more than six (6) months prior to submitting a loan application to a lender, as application is defined in Regulation X, implementing the Real Estate Settlement Procedures Act, 24 C.F.R. §3500.2(b).

The housing education may be provided by HUD-approved housing counseling agencies, state housing finance agencies, approved intermediaries or their sub-grantees, or through an online course.  It may be conducted in person, via telephone, via internet, or other methods approved by HUD, and mutually agreed upon by the borrower and housing counseling agency.

Rules for Renters:

Under certain circumstances, renters may qualify under the “Back to Work” initiative.  For purposes of establishing satisfactory credit, mortgage borrowers must:

1.)  The borrower’s credit report is free of any late rental payments within the last 12 months;

2.)  The borrower’s credit report contains no more than a single 30-day delinquency on payments due other creditors; and

3.)  The borrower’s credit report contains no current collection accounts or public records.  This condition may be waived in instances of identity theft or borrower’s with medical collections.

Prior to the proposal of new mortgage guidelines, the FHA had considerably shorter waiting periods for borrowers who had gone through foreclosure or bankruptcy than for conventional mortgages.  In the past, borrowers could be approved for a new FHA mortgage in as little as three years after a foreclosure or two years following a Chapter 7 bankruptcy.

A foreclosure, short-sale, Chapter 13 bankruptcy or deed-in-lieu will continue to plague a borrower’s credit report at the EquifaxExperian and TransUnion consumer reporting agencies for a period of seven years.  A discharged Chapter 7 bankruptcy will remain on the credit report for a period of ten years.

“As a result of the recession many homeowners experienced unemployment or unforeseen circumstances and were not able to make their monthly mortgage payments,” Carlos J. Reyes, a foreclosure defense attorney with the Reyes Law Group in Fort Lauderdale, told Examiner. “I’m glad to see that the FHA has recognized the financial hardship faced by many borrowers and is allowing them to once again attain the American Dream through homeownership.”

The new guidelines take effect immediately and will be in force through at least September, 2016.

Mortgage foreclosure relief available for distressed homeowners


foreclosure

I recently reported on important relief available to homeowners facing foreclosure, paying more than their house is worth or those who have been foreclosed upon and lost their home.

As crucial deadlines are fast approaching, I am providing an updated summary of assistance available for struggling homeowners and other victims of unfair lending practices — and what you need to do to access it.

Remember, these programs matter but unless you take advantage of them, help is not available. A proactive approach is required.

Thousands of Floridians qualify for help. Below is a list of settlements and reviews that were created to help struggling borrowers. In some cases, application deadlines are coming up. If you miss the deadline, you will not qualify for relief.

Independent Foreclosure Review vs. National Mortgage Settlement:

If you believe your home mortgage foreclosure was conducted unfairly or mistakes were made, relief is available in several forms:

Independent Foreclosure Review

In April 2011, the Federal Reserve Board and the Office of the Comptroller of the Currency took action against over 20 large mortgage servicers. If your primary home was involved in a foreclosure between January 1, 2009 and December 31, 2010, you may qualify for a free independent foreclosure review.

Independent fact-checkers will determine whether you were harmed by mortgage foreclosure errors or other problems and should be paid to make up for that harm. Borrowers seeking a review must apply by December 31, 2012.

Help with the form and answers to questions about the process are available on the Independent Foreclosure Review website or by calling 888-952-9105.

The following mortgage servicers are participating in the Independent Foreclosure Review process:

“Homeowners who believe they were wrongfully injured by a foreclosure error in 2009 and 2010, should request a review,” stated Bryan Hubbard, an Office of the Comptroller of the Currency spokesman. “They give up no rights by requesting a review.”

In effort to assist with the application process, the Federal Reserve has put together a short “Independent Foreclosure Review PSA” video. The video provides program details in English and in Spanish.

For in-depth information on how to spread the word to your local area, please visit the community partner toolkit.

National Mortgage Settlement

Last February, the U.S. Department of Justice and 49 state attorneys general announced a $25 billion settlement with five major banks over so-called “robo-signing,” in which foreclosure documents were signed without properly verifying their accuracy.

While not a perfect deal, the settlement offers meaningful relief for some homeowners in the form of principal or interest reductions, in addition to other relief.

The National Mortgage Settlement administrator recently mailed Notice Letters and Claim Forms to those borrowers who lost their home due to foreclosure between January 1, 2008 and December 31, 2011 whose loans were serviced by one of the five servicers: Ally/GMACBank of AmericaCitiJPMorgan Chase, and Wells Fargo.

Impacted homeowners can now submit their claim form online. The deadline to file is January 18, 2013.

If you think you may be eligible, you can contact your bank directly for additional information:

Ally/GMAC: 800-766-4622

Bank of America: 877-488-7814 (Available M-F 7 a.m. – 9 p.m. and Saturdays 8 a.m. – 5 p.m. Central Time.)

Citi: 866-272-4749

JPMorgan Chase: 866-372-6901

Wells Fargo: 800-288-3212 (Available M-F 7 a.m. – 7 p.m. Central Time)

For more information, please visit the National Mortgage Settlement website or call them at 888-995-HOPE (4673).

To learn whether your loan is owned by either Fannie Mae or Freddie Mac, visit their website and complete the convenient online form for an instant determination.

“Whether it be through the Independent Foreclosure Review or the National Foreclosure Settlement, homeowners faced with a foreclosure should take advantage of this review,” stated Fort Lauderdale foreclosure defense attorney Carlos Reyes. “The process is free and totally without fee. Don’t let someone charge you for completing an application that you can complete yourself online in less than 30 minutes.”

Time running out for a free mortgage foreclosure review


 

Were you involved in a mortgage foreclosure action in 2009 or 2010? If so, you may be eligible for relief through a widely ignored governmental program targeting homeowners that have lost the place they call home.

According to RealtyTrac, there were 26,412 Florida homes in some stage of foreclosure in May. That included 14,768 new filings, an 83 percent increase over last year.

Last year, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Office of Thrift Supervision announced enforcement action against 14 large residential mortgage servicers and two third-party vendors for unsafe and unsound practices related to residential mortgage servicing and foreclosure processing.

Among the sanctions received by mortgage servicers was an obligation to independently review problematic foreclosures. In an effort to reach as many Americans as possible, the government has extended the “Independent Foreclosure Review” program through September 30.

Homeowners who lost their home to foreclosure are not eligible to have it returned but may be eligible for a cash payment of up to $2,000. Affected homeowners may also be eligible to have most, if not all, of any deficiency balance waived.

There were more that 6.6 million foreclosures nationwide between Jan. 1, 2009, and Dec. 31, 2010, according to RealtyTrac. A consulting firm acting on this information and on behalf of federal bank regulators mailed almost 4.4 million letters to homeowners who may be eligible to have their foreclosures reviewed for mistakes.

Thousands of Floridians have been deemed eligible for an Independent Foreclosure Review, but have yet to make an application for relief under the program. 

The three-month extension provides not only the 14 sanctioned mortgage servicers who may have harmed homeowners more time to notify them of the federal enforcement action, but also the 13 additional mortgage servicers — who joined the program in an effort to identify impacted borrowers — an opportunity for independent foreclosure review as well.

So far, the response has been extremely disappointing.

As of May 31, the independent consultants have received 193,630 requests for review. The servicers themselves, through their own sampling, selected an additional 144,817 cases, for a total of 338,447.

Although the Office of the Comptroller of the Currency believes the number of applications will dramatically increase by the end of July, just 7.7 percent of the estimated 4.4 million homeowners believed eligible have applied for review.

“If a homeowner believes they were wrongfully injured by a foreclosure error in 2009 and 2010, they should request a review,” stated Bryan Hubbard, a spokesman for the OCC. “They give up no rights by requesting a review.”

To be eligible for relief, affected mortgages must have been for a homeowner’s primary residence and in active foreclosure between Jan. 1, 2009, and Dec. 31, 2010.

The following mortgage servicers are participating in the Independent Foreclosure Review process:

America’s Servicing Company , Aurora Loan Services, BAC Home Loans Servicing, Bank of America, Beneficial, Chase, Citibank, CitiFinancial, CitiMortgage, Countrywide, EMC, EverBank/EverHome Mortgage Company, Financial Freedom, GMAC Mortgage, HFC, HSBC, IndyMac Mortgage Services, MetLife Bank, National City Mortgage, PNC Mortgage, Sovereign Bank, SunTrust Mortgage, U.S. Bank, Wachovia, Washington Mutual, Wells Fargo and Wilshire Credit Corporation.

The Independent Foreclosure Review should not be confused with the $25 billion national mortgage settlement recently negotiated between most of the states’ attorneys general and the big five mortgage servicers: Bank of America, J.P. Morgan Chase, Citibank, Wells Fargo and Ally Financial (formerly GMAC). Every state in the nation but Oklahoma is participating.

According to the government-mandated oversight website IndependentForeclosureReview.com, some primary examples of mortgage servicer mistakes that may have resulted in financial injury are:

— The mortgage balance was overstated or miscalculated at the time of foreclosure

— Foreclosure proceedings were initiated despite the fact that the homeowner was in bankruptcy, waiting to hear about a request for mortgage modification or abiding by terms of a mortgage modification

— The foreclosure proceedings coincided with active military service.

The Independent Foreclosure Review process is free and can be completed online at www.independentforeclosurereview.com or through the mail. Applications must be processed by September 30 to be eligible for review.

Homeowners in need of assistance should call 888-952-9105. In an effort to assist with the application process, the Federal Reserve has put together a short “Independent Foreclosure Review PSA” video. The video provides program details in English and in Spanish.

Foreclosures nationwide rose to over 200,000 for the first time in two months.  Georgia has the highest rate of foreclosures in the country with one in every 300 housing units, followed by Arizona, Nevada, California, Illinois and Florida.

 “Homeowners faced with a foreclosure in 2009 or 2010 should take advantage of this review,” stated Fort Lauderdale foreclosure defense attorney Carlos Reyes. “The process is free and totally without fee. Don’t let someone charge you for completing an application you can complete online in less than 30 minutes.”

To review Bill Lewis’ entire consumer protection series, visit www.williamlewis.us.

William E. Lewis Jr. & Associates is a solutions based professional consulting firm specializing in the discriminating individual, business or governmental entity. To learn more, tune into “The Credit Report with Bill Lewis,” a daily forum for business and financial news, politics, economic trends, and cutting edge issues on AM 740 WSBR.

For daily updates on The Credit Report with Bill Lewis, you can join Bill’s 35,950 plus fans on Facebook at: www.facebook.com/thecreditreportwithbilllewis

93 Days and Counting on The Credit Report with Bill Lewis


With 93 days remaining on my contract with Beasley Broadcasting and AM 1470 WWNN, I have called it quits.  Between an ever-growing family and changing priorities, there is simply not enough time in the day for a morning drive radio talk show.  Besides, I have grown bored.

After eight plus years on the South Florida air waves – starting at WFTL and later moving to WWNN – it is time to move on.  My last day on the air will be Tuesday, January 31st.

Now for the current week – Interesting guests and timely topics will be on AM 1470 WWNN the week of October 31th and The Credit Report with Bill Lewis.

Coral Springs Commissioner and mayoral candidate Vince Boccard will appear and discuss his decision to run for mayor of one of Money Magazine’s “100 Best Places to Live” across America – ranked first in the State of Florida and 44th on the overall list.

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

“Liberal Barry” Murray will appear and discuss his view on the all things Republican from an “Obama perspective.”

Former prosecutor and Fort Lauderdale criminal defense attorney Jim Lewis will appear and discuss his candidacy for Broward State Attorney as the only Republican for this countywide office in 2012.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss Congressman Allen West’s appearance at the monthly meeting and the continuing commitment of the Broward Republican Executive Committee to ensure success in the 2012 presidential election.

Davie Mayoral candidate Mike Crowley will appear and discuss his candidacy for mayor and his plan to create jobs by attracting high-technology business to Davie.

Talk show host Steve Kane will appear and discuss his successful appearance at Wings Plus in Coral Springs and other initiatives of The Steve Kane Show on AM 1470 WWNN.

Florida’s 34th Senator and current U.S. Senate candidate George LeMieux will discuss his candidacy in the Republican race to replace Democratic Senator Bill Nelson.

Cooper City Commissioner John Sims will appear and discuss the David Nall libel litigation against the city as well as other local business.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing when seeking employment in tough economic times.

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470.

This Week on The Credit Report with Bill Lewis


Interesting guests and timely topics will be on AM 1470 WWNN the week of October 17th and The Credit Report with Bill Lewis.

Former prosecutor and Fort Lauderdale criminal defense attorney Jim Lewis will appear and discuss his candidacy for Broward State Attorney as the only Republican for this countywide office in 2012.

Davie Mayoral candidate Mike Crowley will appear and discuss his candidacy for mayor and his plan to create jobs by attracting high-technology business to Davie.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss Congressman Allen West’s appearance at the monthly meeting and the continuing commitment of the Broward Republican Executive Committee to ensure success in the 2012 presidential election.

Talk show host Steve Kane will appear and discuss his upcoming appearance at Wings Plus in Coral Springs and other initiatives of The Steve Kane Show on AM 1470 WWNN.

Florida’s 34th Senator and current U.S. Senate candidate George LeMieux will discuss his candidacy in the Republican race to replace Democratic Senator Bill Nelson.

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

Coral Springs Commissioner and mayoral candidate Vince Boccard will appear and discuss his decision to run for mayor of one of Money Magazine’s “100 Best Places to Live” across America – ranked first in the State of Florida and 44th on the overall list.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing when seeking employment in tough economic times.

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470. 

This Week on The Credit Report with Bill Lewis


Interesting guests and timely topics will be on the air the week of October 10th on AM 1470 WWNN and The Credit Report with Bill Lewis.

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss the October 17th meeting of the Broward Republican Executive Committee featuring Congressman Allen West.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

Davie Mayoral candidate Mike Crowley will appear and discuss his candidacy for mayor and his plan to create jobs by attracting high-technology business to Davie.

Broward Sheriff Al Lamberti will appear and discuss CyberVisor, the agency’s version of Twitter, and other initiatives of the largest fully accredited law enforcement agency in America.

Coral Springs Commissioner and mayoral candidate Vince Boccard will appear and discuss his decision to run for mayor of one of Money Magazine’s “100 Best Places to Live” across America – ranked first in the State of Florida and 44th on the list overall.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Cooper City Commissioner John Sims will appear and discuss the David Nall libel litigation against the city as well as other local business.

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing or expungement when seeking employment in tough economic times.

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470. 


Interesting guests and timely topics will be on AM 1470 WWNN the week of September 26th and The Credit Report with Bill Lewis.

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss the successful Presidency 5 convention in Orlando and the continuing commitment of the Broward Republican Executive Committee to ensure success in the 2012 presidential election.

Fort Lauderdale personal injury attorney David Singer will appear and discuss his successful Jail & Bail fundraiser on behalf of Broward unit of the American Cancer Society and next week’s appreciation celebration at Chima on Las Olas Boulevard.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Florida’s 34th Senator and current U.S. Senate candidate George LeMieux will discuss his candidacy in the Republican race to replace Democratic Senator Bill Nelson.

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

Davie Mayoral candidate Mike Crowley will appear and discuss his candidacy for mayor and his plan to create jobs by attracting high-technology business to Davie.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing when seeking employment in tough economic times.

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470. 

This Week on The Credit Report with Bill Lewis


Interesting guests and timely topics will be on AM 1470 WWNN the week of September 19th and The Credit Report with Bill Lewis.

Orlando will be crawling with presidential candidates and other state, local, and federal politicians this week as the state Republican Party on Thursday kicks off its three-day Presidency 5 conference at the Orange County Convention Center. 

On Friday, CPAC – the Conservative Political Action Committee – will host their conference at the Orange County Convention Center as well.  Organized by the American Conservative Union, a virtual “Who’s Who” of candidates are scheduled to make appearances.

Bill Lewis will be broadcasting his show from Orlando on Friday where a number of Florida’s political elite will make appearances on The Credit Report with Bill Lewis.

Among other scheduled guests this week:

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss Presidency 5 and the continuing commitment of the Broward Republican Executive Committee to ensure success in the 2012 presidential election.

Florida’s 34th Senator and current U.S. Senate candidate George LeMieux will discuss his candidacy in the Republican race to replace Democratic Senator Bill Nelson.

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Fort Lauderdale attorney Christine C. Gill will appear and discuss “September is National Coupon Month” and initiatives at maximizing your dollar when shopping for groceries and other household goods in tough economic times.

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing when seeking employment in tough economic times.

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470. 

This Week on The Credit Report with Bill Lewis


Interesting guests and timely topics will be on the air the week of September 12th on AM 1470 WWNN and The Credit Report with Bill Lewis.

Florida’s 34th Senator and current U.S. Senate candidate George LeMieux will discuss his candidacy in the Republican race to replace Democratic Senator Bill Nelson.

Commander Michael Calderin of Broward County Crimestoppers will appear and discuss the recent reenactment of the homicide of BSO Sgt. Chris Reyka and the $267,000 reward being offered in the unsolved murder of a policeman.

Foreclosure defense attorney Carlos Reyes will appear and discuss the latest developments in the “robo-signing” controversy and investigations started by the Florida Attorney General’s Office.

Talk show host and attorney Lisa Macci will appear and discuss her recent move to AM 1470 WWNN and “The Justice Hour with Lisa Macci.”

Tom Lauder of RedBroward will appear and discuss his political blog where “Making Broward See Red” is not such a hard job.

Chairman Richard Denapoli of the Broward Republican Party will appear and discuss Presidency 5 and the continuing commitment of the Broward Republican Executive Committee to ensure success in the 2012 presidential election.

Cooper City Commissioner John Sims will appear and discuss the David Nall libel litigation against the city as well as other local business.

Fort Lauderdale attorney Christine C. Gill will appear and discuss “September is National Coupon Month” and initiatives at maximizing your dollar when shopping for groceries and other household goods in tough economic times.

Broward Sheriff Al Lamberti will appear and discuss CyberVisor, the agency’s version of Twitter, and other initiatives of the largest fully accredited law enforcement agency in America.

Criminal defense attorney John Contini will appear and discuss the importance of criminal history records sealing when seeking employment in tough economic times.

Scott Spages will appear and discuss a special screening of the documentary: “Iranium the Movie” on Friday, September 16th at Calvary Chapel Ft. Lauderdale, under the Faith Forum program. 

Republican Party of Broward County Executive Director Rico Petrocelli will appear and discuss initiatives to grow the local party and upcoming events.

The Credit Report with Bill Lewis is a daily forum for business and financial news, politics, economic trends, and cutting edge issues.  Bill can be heard weekday’s at 9 o’clock on AM 1470 WWNN in south Florida or by streaming audio at www.wwnnradio.com.  Phone lines are open at (888) 565-1470.