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Wrong Michael Macapagal?

Michael Macapagal

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I agree to the Terms of Service and Privacy Policy. I understand that I will receive a subscription to ZoomInfo Community Edition at no charge in exchange for downloading and installing the ZoomInfo Contact Contributor utility which, among other features, involves sharing my business contacts as well as headers and signature blocks from emails that I receive.

Background Information

Employment History

President and Chief Executive Officer

First Southwestern Escrow


Contributor

Philippine News


Affiliations

Filipino American Chamber of Commerce

Board Member


Filipino American Real Estate Professionals Association

Founding Member


Web References(2 Total References)


www.philippinenews.com

The term refers to the "process by which the terms of an existing loan -normally pertaining to a home loan- is being amended, at the approval of the lender, to make the current terms more affordable to the borrower or homeowner," explained Michael Macapagal, a title insurance industry veteran with offices in Daly City and Hayward, California.
e distinguished the process from "a refinance," or"a new loan which could involve a new lender who will pay-off an existing loan." "Modifying a loan" means "dealing with the same lender and amending the exact same loan," Macapagal clarified. Macapagal emphasized the two basic requirements for loan modification eligibility. he homeowner must be: * experiencing financial hardship due to the economic crisis (includes owing more than the property is worth), and * able to meet new mortgage obligations if the application for loan modification is approved Macapagal said that while the California Department of Real Estate has certified "certain real estate licensees to process the loan modification on behalf of homeowners... and...attorneys are also legally permitted to perform such services, a recent law bans both real estate licensees and legal practitioners to charge advance fees for such services." The poor economy has contributed to the proliferation of "shady agents...offering exorbitant fees," said Macapagal, or giving "bad advice." "The bottom line is that people should understand what they are getting into," said Macapagal, who is president and CEO of First Southwestern Escrow, a founding member of the Filipino American Real Estate Professional Association and a board member of the Filipino American Chamber of Commerce- San Mateo County."My advice is for the homeowner to be involved in the loan modification process himself or herself.


www.philippinenews.com

By Michael Macapagal
Asked why they are now supporting Noynoy Aquino, the answer is actually quite simple, according to US-based Michael Macapagal, Teddy's eldest son, who is President & CEO of First Southwestern Escrow, northern California's largest escrow company."Wehave a long and deeply-rooted history with the Aquino family.Together, we risked our lives for the restoration of freedom and democracy under the Marcos dictatorship. "When my Dad learned that Noynoy is running, he basically came out of political retirement", said Mike Macapagal."And rightly so, because this election is crucial to the future of our country.


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