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GASTRO-AWARD 2009 – the top 10 until the Awards top 10 is an essential prerequisite for the importance of gastronomy in the society also and especially the appreciation of each individual restaurateur. That means his services must be supported and highlighted. Here is our core competence. The participation of more than 6,000 dining establishments is a significant confirmation for our usage. We – the GASTRO-AWARD Germany AG – want to thank at this point for the overwhelming confidence, which you place in us. Even in difficult times, restaurateurs/inside Germany show an outstanding commitment and creative inventiveness. And be the better judge who could as their guests you have decided, expressed their thanks and therefore appreciated the performance of each individual company.

See the top 10 of the individual federal States under gastro award.de GASTRO-AWARD goes on tour at the Gala to honor it, not just the winners shall be a representative value for the gastronomy and accordingly to be appreciated by the public and the media. But if the main players of this evening, namely the restaurateurs, not in sufficient number are represented, this is not given. Many restaurateurs use the quieter summer weeks to make holidays even once. This led us to a country-wide survey: the ceremony of the winner of the Germany at the Gala will be held in the summer of 2009 or, as well as at the State winners in the respective companies? Not only our electronic mailboxes are defected, the lines also have annealed. The result is clear: in the plants the exact dates for the individual companies will be from late July announced. We can look forward to numerous awards. Eagerly we anticipate how you put yourself and your local GASTRO award ceremony in scene. As you have proven in the past years, they know how to party.

loan modification, Obama mortgage refinance, mortgage refinance with bad credit making home affordable program which introduced by Obama sometimes last year to help struggling homeowners through different loan modification and mortgage refinance programs. Two new programs are expected to be in function soon. Making home affordable refinance program are available to those who are having problem with current mortgage payments and are struggling to make both ends meet. Cancer research can provide more clarity in the matter. Ultra-delicate seeking home loan modification programs are requested to apply before December 31, 2012. another two new programs have commenced in April, 2010 last year Obama refinance plan which introduced with key task of helping homeowners facing hardship to pay their home mortgage by home loan modification and refinance plan. If you plan are considering applying for a refinance loan under the Obama, here is some vital information which you might find useful. To apply for home affordable refinance program (HARP), concerned applicants are instructed to meet their lender for further procedure. They are required to provide few essential documents like payroll, bank statement, list of income tax return and few others as required by specific lender. If you are unsure how to proceed, check out Professor Roy Taylor.

Most lenders want so demand letter of financial hardship which explains why the borrower needs to opt for home refinance loan program. Letter of hardship plays very important role to get approved for home mortgage refinance loan under HARP as it includes the most valid reason for financial crisis and your bank statements and even efforts taken by you to meet your basic daily requirement. Typically, Obama mortgage refinance plan is for those who have secured a mortgage loan on homes up to four units. Few other requirements to certify for this program include being current on mortgage payments for the last 12 months and has no late payment default for more than 30 days from the actual payment date. In any case, value of existing home mortgage should not exceed from 125% of the home existing market value. The other viable alternative under the Obama stimulus program is the home affordable modification program (HAMP). Both the HARP as well as the HAMP are meant for homeowners who are primary occupants of their pre-owned homes. Borrowers are eligible to apply for this program if the first mortgage is equal or less than specified HAMP limits.

Loan modification limits are $729,750 for single-unit family for two houses, $934,200 unit homes, $1,129,250 for three unit homes, or $1,403,400 for four unit homes. Under HAMP guidelines, if a borrower is eligible for a mortgage loan workout, his monthly mortgage installments would be not more than 31% of his of great monthly income. In order to ensure this, your lender would either reduce the rate of interest or extend the duration of your current mortgage loan. Further program detail can be increased from the official website of widely trusted loan goals, along with important guidelines for mortgage refinance with bad credit and other loan modification programs.