Loan Modification

According to a recent posting on Bloomberg, Richard Neiman, the New York State superintendent of banks stated that mortgage companies make the loan modification problem worse because they actually lose paperwork. The California Reinvestment Coalition found in a survey they conducted of 40 counselors that represent around 14,000 homeowners, these counselors all said servicers had either ignored or even lost loan modification paperwork.

Regarding loan modification paperwork being lost, Joe Ridout, a spokesperson for Consumer Action, an advocacy and education group based in San Francisco said, “It’s more common to hear that banks have lost paperwork than to hear that they received it and properly handled it”.

This sloppy and uncaring practice leaves HAMP participants open to the foreclosure nightmare, which has been further scrutinized by allegations of ‘robo- signing’.  ‘Robo-signing’ is a process which mortgage companies signed and submitted court documents to justify the seizures of homes without verifying these documents were properly compiled and accurate.

Loan Modification To Lower Mortgage Payments

A HAMP loan modification is designed to lower mortgage payments to 31 percent of a borrower’s monthly gross income. This loan modification process often ends up in a bigger mortgage as accrued interest and additional charges are added onto the balance. Some HAMP loan modifications even add balloon payments to the loan that are must be paid when a house is sold or the mortgage paid off.

Loan Modification Programs Performing – Really?

According to a phone interview the loan modification program, Andrea Risotto, a spokesperson for the Treasure said, “The program continues to perform well,” she also stated “The target of affordability that HAMP put in place – this idea of 31 percent debt to income — which was far more aggressive than what was done historically, is helping homeowners sustain the modification over time,” but this does not take into consideration the many people that report having been put into foreclosure as a result of this HAMP process, discussed in other articles on this site and other sites.

I offer a Free – No Obligation Consultation And Preliminary Audit-review of your loan modification/mortgage situation as a first step to getting you help to stop foreclosure.

Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,

Click Here —>>  http://help-to-stop-foreclosure.net/

Resources:

http://www.bloomberg.com/news/2010-11-02/mortgage-modifications-meant-to-save-u-s-homes-push-them-into-foreclosure.html

Thinking About A Loan Modification – BE AWARE!

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Home foreclosures are unfortunately still a serious problem in our country. Though, foreclosure rates are down in areas such as Atlanta, that’s not the case in most of America. Each month, there are thousands of foreclosures in newspapers across the country and many predict the numbers will  stay the same for some time to come.

Many attorneys that handle foreclosures are saying that they think what we’re seeing now will continue and foreclosures will continue on a steady pace.

There are alternatives to a foreclosure, one being something called a short sale; however not everyone qualifies.  You see, it’s very costly for a bank to foreclose a home, then put it back on the market, and in many cases have to repair the house prior to placing it on the market.

Another alternative is to fight your foreclosure. I have successfully helped many of my homeowners stop the auction of their home by their banks and remain in their homes.  I offer a free preliminary audit of your mortgage documents to see if I can help.  I lost my home to foreclosure years ago and decided then and there to never let that happen again and to help anyone I can to avoid the same.

I offer a Free – No Obligation Consultation And Preliminary Audit of your mortgage situation.

Call (888) 819-6554 or fill out the Stop Foreclosure Help email form,

Click Here —>>   http://help-to-stop-foreclosure.net/

Resource:

http://www.walb.com/Global/story.asp?S=12792338

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Accordning to Mercury News and writers Tracey Kaplan and Maria J. Ávila López “Increasing numbers of Californians are suing lenders to avoid foreclosures”

Statewide Federal Court Filing in California to stop foreclosure by homeowners has risen from 29 in 2005 to 1,395 in 2009, per PACER.

Like Californians people all over the country are finding out that they can fight back to keep their home

You Can too!

To get help to stop your foreclosure go to:

http://help-to-stop-foreclosure.net/wp-content/stop-foreclosure-fast-form.html

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